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Google faces UK antitrust probe in crackdown on Big Tech dominance

Google faces UK antitrust probe in crackdown on Big Tech dominance

You can get up to 5.00% APY on the best high-yield savings account on Oct. 29, 2025

You can get up to 5.00% APY on the best high-yield savings account on Oct. 29, 2025

Earn up to 4.20% APY with the best CD rates available on Nov. 5, 2025

Earn up to 4.20% APY with the best CD rates available on Nov. 5, 2025

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Tech 2025-12-02 03:00:24

Google faces UK antitrust probe in crackdown on Big Tech dominance

The Competition and Markets Authority (CMA) has initiated an investigation into Google to determine if its search and advertising services are producing fair outcomes within the UK. Today, the watchdog declared the commencement of its inaugural "strategic market status designation investigation" under the new Strategic Market Status (SMS) regime that came into effect on 1 January this year, as reported by City AM. The inquiry will scrutinise the effects of Google’s services on UK consumers and businesses, including publishers, search engine rivals, and advertisers. With Google's search services commanding over 90 per cent of search queries in the UK, the CMA emphasised the importance of ensuring these services benefit both businesses and consumers. "Millions of people and businesses across the UK rely on Google’s search and advertising services – with 90 per cent of searches happening on their platform and more than 200,000 UK businesses advertising there," said Sarah Cardell, CMA Chief Executive. "That’s why it’s so important to ensure these services are delivering good outcomes for people and businesses and that there is a level playing field, especially as AI has the potential to transform search services." The investigation aims to guarantee that individuals enjoy access to diverse services and full control over their data, while also fostering innovative services and preventing biased content, according to the CMA. The Competition and Markets Authority (CMA) in the UK is set to initiate a probe with the objective of maintaining competitive advertisement costs, reducing consumer prices, and affording emerging enterprises an opportunity to vie with established tech entities. The CMA has indicated its intent to conclude the inquiry within approximately nine months. "It’s our job to ensure people get the full benefit of choice and innovation in search services and get a fair deal – for example in how their data is collected and stored," said Cardell. "And for businesses, whether you are a rival search engine, an advertiser or a news organisation, we want to ensure there is a level playing field for all businesses, large and small, to succeed." This investigation is part of a wider effort to rein in big tech firms, as signified by Google's 2024 court defeat in the US over claims that it unlawfully sustained its internet search monopoly.

Personal Finance 2025-12-22 03:15:49

You can get up to 5.00% APY on the best high-yield savings account on Oct. 29, 2025

Now’s a great time to open up a new savings account to reach your financial goals. Many of the best savings account rates on the market are above 4.00%, and a few outliers may even reach close to 5.00%.Rising inflation and economic uncertainty prompted the Federal Reserve to pause further rate cuts over the past several months. But that changed at the central bank’s Sept. 16-17 meeting, when the Fed cut the federal funds rate by a quarter percentage point.Savings account APYs remained relatively stable in the first part of 2025, but are likely to decrease if markets anticipate additional Fed rate cuts. And, with two more Fed meetings on the calendar for later this year, more cuts are indeed possible.For investors who want to maximize their returns or save for a new financial goal,Fortunehas collaborated with Curinos, a team of financial industry experts, to provide an overview of the most competitive high-yield savings account rates available on October 29, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.DCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesVIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #wgZaNkmexkYXliZM .spinner { display: none; 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} } @keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } #wgZaNkmexkYXliZM { font-family: Roboto,sans-serif; margin: 0; font-size: 14px; box-sizing: border-box; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; -webkit-tap-highlight-color: transparent; padding: 0 32px; max-width: 1024px; margin: 0 auto; position: relative; } #wgZaNkmexkYXliZM input.chk-btn { display: none; } #wgZaNkmexkYXliZM input.chk-btn + label { border: 1px solid #1C96F0; background: #FFFFFF; padding: 5px 8px; cursor: pointer; border-radius: 5px; color: #1C96F0; padding: 10px 16px; font-size: 14px; } #wgZaNkmexkYXliZM input.chk-btn:not(:checked) + label:hover { box-shadow: 0px 1px 3px; } #wgZaNkmexkYXliZM input.chk-btn + label:active, #wgZaNkmexkYXliZM input.chk-btn:checked + label { box-shadow: 0px 0px 3px inset; background: #1C96F0; color: #FFFFFF; } #wgZaNkmexkYXliZM .filter-check-options-cntnr { display: flex; flex-flow: row wrap; width: 100%; align-items: center; justify-content: flex-start; margin-top: 24px; } #wgZaNkmexkYXliZM .check-elem { display: flex; margin: 5px; } #wgZaNkmexkYXliZM .check-elem.view-btn, #wgZaNkmexkYXliZM .check-elem.view-less-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; cursor: pointer; } #wgZaNkmexkYXliZM .check-elem.view-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; } #wgZaNkmexkYXliZM .shmktpl-title { font-size: 42px; line-height: 51px; font-weight: 500; } #wgZaNkmexkYXliZM .shmktpl-subtitle { font-size: 20px; color: #0A3B5F; line-height: 24px; } #wgZaNkmexkYXliZM .sub-heading-container { display: flex; justify-content: space-between; margin-top: 10px; } #wgZaNkmexkYXliZM .prod-desc-text { font-size: 12px; text-decoration: underline; color: #1C96F0; cursor: pointer; line-height: 16px; } #wgZaNkmexkYXliZM .hide { display: none; } #wgZaNkmexkYXliZM .overlay-background-blur { position: fixed; top: 0px; left: 0px; width: 100%; height: 100%; background: rgba(53, 49, 69, 0.4); z-index: 1; } #wgZaNkmexkYXliZM .prod-desc-popup-content { top: 5%; margin-top: 20px; padding-bottom: 0; position: fixed; z-index: 1000; left: 0; right: 0; min-width: 600px; width: 80%; height: 90%; overflow-y: scroll; margin: auto; text-align: left; background-color: #fff; border: solid 1px #dcdcde; font-size: 12px; -webkit-box-shadow: -2px 2px 2px 0px rgba(220,220,222,0.75); -moz-box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); -webkit-border-radius: .125rem; -moz-border-radius: .125rem; border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #wgZaNkmexkYXliZM .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #wgZaNkmexkYXliZM .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #wgZaNkmexkYXliZM .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #wgZaNkmexkYXliZM .product-list { display: flex; flex-flow: row wrap; } #wgZaNkmexkYXliZM .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #wgZaNkmexkYXliZM .description { font-size: 12px; line-height: 18px; } #wgZaNkmexkYXliZM .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #wgZaNkmexkYXliZM .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #wgZaNkmexkYXliZM input.chk-btn + label { padding: 10px 11px; } #wgZaNkmexkYXliZM .check-elem { margin: 3px; } #wgZaNkmexkYXliZM.minFilter .check-elem.annuity { display: none !important; } #wgZaNkmexkYXliZM.minFilter .check-elem.businesschecking { display: none !important; } #wgZaNkmexkYXliZM.minFilter .check-elem.view-btn { display: none; } #wgZaNkmexkYXliZM.minFilter input.chk-btn + label { padding: 10px 11px; } #wgZaNkmexkYXliZM .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #wgZaNkmexkYXliZM input.chk-btn + label { padding: 10px 8px; } #wgZaNkmexkYXliZM.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #wgZaNkmexkYXliZM input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #wgZaNkmexkYXliZM.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #wgZaNkmexkYXliZM .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #wgZaNkmexkYXliZM.loadingMessage .sh-loading-msg { display: block; } #wgZaNkmexkYXliZM.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #wgZaNkmexkYXliZM .sh-loading-msg { font-size: 18px; } } #wgZaNkmexkYXliZM .mobile { display: none; } #wgZaNkmexkYXliZM .sh-hide { display: none; } #wgZaNkmexkYXliZM .desktop { display: block; } #wgZaNkmexkYXliZM .desktop-inline { display: inline-block; } #wgZaNkmexkYXliZM .row-1, #wgZaNkmexkYXliZM .row-2 { display: flex; } #wgZaNkmexkYXliZM .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #wgZaNkmexkYXliZM .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #wgZaNkmexkYXliZM .row-2 .listing-description { padding: 24px 23px; width: 100%; } #wgZaNkmexkYXliZM .logo-image-wrapper { margin: auto; width: 196px; } #wgZaNkmexkYXliZM .logo-column { display: flex; align-items: center; } #wgZaNkmexkYXliZM .logo-image-wrapper img { width: 100%; height: auto; } #wgZaNkmexkYXliZM .ad-copy { margin-left: 24px; } #wgZaNkmexkYXliZM .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #wgZaNkmexkYXliZM .listing-description .disclosure-content { margin-top: 0px; } #wgZaNkmexkYXliZM .logo-column.flex-container { flex: 0 0 20%; } #wgZaNkmexkYXliZM .ad-copy-column.flex-container { flex: 0 0 78%; } #wgZaNkmexkYXliZM .top-section-right { margin-left: 5px; } #wgZaNkmexkYXliZM .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #wgZaNkmexkYXliZM .ad-copy { margin-left: 24px; } #wgZaNkmexkYXliZM .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #wgZaNkmexkYXliZM .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #wgZaNkmexkYXliZM .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #wgZaNkmexkYXliZM .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #wgZaNkmexkYXliZM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #wgZaNkmexkYXliZM .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #wgZaNkmexkYXliZM .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #wgZaNkmexkYXliZM .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #wgZaNkmexkYXliZM .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #wgZaNkmexkYXliZM .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #wgZaNkmexkYXliZM .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #wgZaNkmexkYXliZM .disclosure-contnr { text-align: center; } #wgZaNkmexkYXliZM .listing-header-cntnr { margin-top: 34px; } #wgZaNkmexkYXliZM .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #wgZaNkmexkYXliZM .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #wgZaNkmexkYXliZM .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #wgZaNkmexkYXliZM .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #wgZaNkmexkYXliZM .apy-label { font: normal normal 900 24px / 28px Roboto; } #wgZaNkmexkYXliZM .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #wgZaNkmexkYXliZM .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #wgZaNkmexkYXliZM .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #wgZaNkmexkYXliZM .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #wgZaNkmexkYXliZM .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #wgZaNkmexkYXliZM .additional-content { margin-top: 0px !important; } #wgZaNkmexkYXliZM .additional-content ul li { margin-bottom: 0; } #wgZaNkmexkYXliZM .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #wgZaNkmexkYXliZM .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #wgZaNkmexkYXliZM .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #wgZaNkmexkYXliZM .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #wgZaNkmexkYXliZM .shArrow { width: 12px; height: 7px; } #wgZaNkmexkYXliZM span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #wgZaNkmexkYXliZM .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #wgZaNkmexkYXliZM .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #wgZaNkmexkYXliZM #see_more_carrier, #wgZaNkmexkYXliZM .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #wgZaNkmexkYXliZM .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #wgZaNkmexkYXliZM .apy-label p { margin-top: 0px; margin-bottom: 0px; } #wgZaNkmexkYXliZM .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #wgZaNkmexkYXliZM { padding: 0 26px; } #wgZaNkmexkYXliZM .logo-image-wrapper { width: 136px; } #wgZaNkmexkYXliZM .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #wgZaNkmexkYXliZM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #wgZaNkmexkYXliZM .prop-value-container .apy-container { flex: 0 0 44%; } #wgZaNkmexkYXliZM .prop-value-container .mfee-container, #wgZaNkmexkYXliZM .prop-value-container .minvalue-container { flex: 0 0 28%; } #wgZaNkmexkYXliZM .ad-copy-top-section { margin-bottom: 15px; } #wgZaNkmexkYXliZM .sh-row-product-title { max-width: 136px; } #wgZaNkmexkYXliZM .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #wgZaNkmexkYXliZM .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #wgZaNkmexkYXliZM .logo-image-wrapper { width: 100%; max-width: 292px; } #wgZaNkmexkYXliZM .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #wgZaNkmexkYXliZM .ad-copy { margin-left: 0; } #wgZaNkmexkYXliZM .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #wgZaNkmexkYXliZM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #wgZaNkmexkYXliZM .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #wgZaNkmexkYXliZM .see-more-text { padding: 16px 15px; } #wgZaNkmexkYXliZM .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #wgZaNkmexkYXliZM .top-section-right { margin-left: 0px; } #wgZaNkmexkYXliZM .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #wgZaNkmexkYXliZM.sizeone .header-section { padding: 6px 10px; } } #wgZaNkmexkYXliZM.sh-box650.device-desktop .row-1 { padding-left: 14px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box700.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box750.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box800.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box850.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box900.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box700.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box750.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box800.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box850.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box900.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box700.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box750.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box800.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box850.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box900.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box700.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box750.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box800.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box850.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box900.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box750.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box800.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box850.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box900.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box750.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box800.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box850.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box900.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box950.device-desktop .prop-value-container .mfee-container #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box750.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box800.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box850.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box900.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box700.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box750.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box800.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box850.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box900.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box700.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box750.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box800.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box850.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box900.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box700.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box750.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box800.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box850.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box900.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #wgZaNkmexkYXliZM.sh-box650.device-desktop .row-1, #wgZaNkmexkYXliZM.sh-box700.device-desktop .row-1 , #wgZaNkmexkYXliZM.sh-box650.device-desktop .row-2, #wgZaNkmexkYXliZM.sh-box700.device-desktop .row-2 , #wgZaNkmexkYXliZM.sh-box500.device-desktop .row-1, #wgZaNkmexkYXliZM.sh-box550.device-desktop .row-1 , #wgZaNkmexkYXliZM.sh-box500.device-desktop .row-2, #wgZaNkmexkYXliZM.sh-box550.device-desktop .row-2{ display: unset; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box700.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box550.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box700.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box550.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box500.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value, #wgZaNkmexkYXliZM.sh-box550.device-desktop .prop-value, #wgZaNkmexkYXliZM.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box700.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box550.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#wgZaNkmexkYXliZM.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#wgZaNkmexkYXliZM.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#wgZaNkmexkYXliZM.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #wgZaNkmexkYXliZM .shmktpl-title, #wgZaNkmexkYXliZM .sub-heading-container, #wgZaNkmexkYXliZM .filter-check-options-cntnr, #wgZaNkmexkYXliZM .listing-header-cntnr { display: none; } #wgZaNkmexkYXliZM.title .shmktpl-title, #wgZaNkmexkYXliZM.subHeading .sub-heading-container, #wgZaNkmexkYXliZM.multiSelectFilter .filter-check-options-cntnr, #wgZaNkmexkYXliZM.resultsText .listing-header-cntnr { display: flex; } #wgZaNkmexkYXliZM.sizeone .add-overlay-content { width: 62%; height: auto; } #wgZaNkmexkYXliZM.sizeone .disclosure-title { padding: 6px 0px; } #wgZaNkmexkYXliZM.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #wgZaNkmexkYXliZM .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #wgZaNkmexkYXliZM.sizeone .title-container { margin-top: 0; } #wgZaNkmexkYXliZM.sizeone .non_featured_list { margin-top: 0; } #wgZaNkmexkYXliZM.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #wgZaNkmexkYXliZM.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,PHN2ZyBpZD0iYXJyb3ctcG9pbnQtdG8tcmlnaHRfMl8iIGRhdGEtbmFtZT0iYXJyb3ctcG9pbnQtdG8tcmlnaHQgKDIpIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2LjkzNiIgaGVpZ2h0PSIxMi4xNjciIHZpZXdCb3g9IjAgMCA2LjkzNiAxMi4xNjciPg0KICA8cGF0aCBpZD0iUGF0aF8xMDYiIGRhdGEtbmFtZT0iUGF0aCAxMDYiIGQ9Ik0xMDMuODI1LDYuNjg2bC01LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMS0xLjIwNS0xLjJsNC42MjktNC42MjlMOTcuMzg4LDEuNDU0YS44NTIuODUyLDAsMCwxLDEuMjA1LTEuMmw1LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMSwwLDEuMloiIHRyYW5zZm9ybT0idHJhbnNsYXRlKC05Ny4xMzkgMCkiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } @media (min-width : 651px) and (max-width : 1024px) { #wgZaNkmexkYXliZM .item { flex: 1 1 calc(50% - 48px); } #wgZaNkmexkYXliZM .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #wgZaNkmexkYXliZM .item:nth-of-type(4n+3), #wgZaNkmexkYXliZM .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #wgZaNkmexkYXliZM .item:nth-of-type(4n+1), #wgZaNkmexkYXliZM .item:nth-of-type(4n+1) + * { background-color: #fff; } #wgZaNkmexkYXliZM .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #wgZaNkmexkYXliZM .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #wgZaNkmexkYXliZM .desktop, #wgZaNkmexkYXliZM .desktop-inline { display: none; } #wgZaNkmexkYXliZM .mobile { display: block !important; } #wgZaNkmexkYXliZM { padding: 0 18px; } #wgZaNkmexkYXliZM .shmktpl-title { font-size: 24px; line-height: 29px; } #wgZaNkmexkYXliZM .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #wgZaNkmexkYXliZM .add-overlay-content { width: 80%; height: auto; } #wgZaNkmexkYXliZM .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #wgZaNkmexkYXliZM .row-1 { flex-flow: column; padding: 16px; } #wgZaNkmexkYXliZM .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #wgZaNkmexkYXliZM .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #wgZaNkmexkYXliZM .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #wgZaNkmexkYXliZM .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #wgZaNkmexkYXliZM .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #wgZaNkmexkYXliZM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #wgZaNkmexkYXliZM .prop-value { margin-top: 0; } #wgZaNkmexkYXliZM .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #wgZaNkmexkYXliZM .non_featured_list { margin-top: 18px; } #wgZaNkmexkYXliZM .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #wgZaNkmexkYXliZM .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #wgZaNkmexkYXliZM .item:nth-child(3n), #wgZaNkmexkYXliZM .desktop-bg { background: none; } #wgZaNkmexkYXliZM .prod-desc-popup-content { padding: 0; } #wgZaNkmexkYXliZM .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #wgZaNkmexkYXliZM .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #wgZaNkmexkYXliZM .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #wgZaNkmexkYXliZM .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #wgZaNkmexkYXliZM .disclosure-content ul { padding-left: 14px; line-height: 28px; } #wgZaNkmexkYXliZM .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #wgZaNkmexkYXliZM .additional-features { flex: 0 0 100%; } #wgZaNkmexkYXliZM .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #wgZaNkmexkYXliZM.sizeone .listing-header-cntnr { display: none; } #wgZaNkmexkYXliZM.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #wgZaNkmexkYXliZM .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #wgZaNkmexkYXliZM .prod-desc-popup-content { position: fixed; } } #wgZaNkmexkYXliZM.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #wgZaNkmexkYXliZM.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #wgZaNkmexkYXliZM.listingAlignment .logo-image-wrapper img { width: 100%; } #wgZaNkmexkYXliZM.listingAlignment { padding: 0px; } #wgZaNkmexkYXliZM.listingAlignment .listing-title { font-size: 14px; } #wgZaNkmexkYXliZM.listingAlignment .listing-title span { font-size: 14px; } #wgZaNkmexkYXliZM.listingAlignment .row-1 { padding: 26px 10px; } #wgZaNkmexkYXliZM.listingAlignment .prop-name { font-size: 10px; } #wgZaNkmexkYXliZM.listingAlignment .prop-value { font-size: 14px } #wgZaNkmexkYXliZM.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #wgZaNkmexkYXliZM.listingAlignment .logo-column.flex-container { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .prop-conatiner { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .ad-copy-column.flex-container { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .cta-column.flex-container { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .disclosure-content ul li::before { content: unset; } #wgZaNkmexkYXliZM.listingAlignment .disclosure-content ul li { list-style: disc; } } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #wgZaNkmexkYXliZM.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #wgZaNkmexkYXliZM.ctaAlignment .cta-column.flex-container { display: block !important; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button { font-size: 16px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #wgZaNkmexkYXliZM .sh-no-listing-msg { padding: 20px 0px; } #wgZaNkmexkYXliZM .sh-widget-footer-MBT { display: none; } #wgZaNkmexkYXliZM.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #wgZaNkmexkYXliZM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #wgZaNkmexkYXliZM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #wgZaNkmexkYXliZM .sh-widget-footer-QS { display: none; } #wgZaNkmexkYXliZM.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #wgZaNkmexkYXliZM.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #wgZaNkmexkYXliZM.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title, #wgZaNkmexkYXliZM.customizeColorEffect .prop-name, #wgZaNkmexkYXliZM.customizeColorEffect .prop-value, #wgZaNkmexkYXliZM.customizeColorEffect .curDate, #wgZaNkmexkYXliZM.customizeColorEffect span.current-date, #wgZaNkmexkYXliZM.customizeColorEffect .disclosure-content ul li, #wgZaNkmexkYXliZM.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #wgZaNkmexkYXliZM.customizeColorEffect .add-text, #wgZaNkmexkYXliZM.customizeColorEffect .see-more-text, #wgZaNkmexkYXliZM.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #wgZaNkmexkYXliZM.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #wgZaNkmexkYXliZM.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #wgZaNkmexkYXliZM.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #wgZaNkmexkYXliZM.sizeone.customizeColorEffect .header-section, #wgZaNkmexkYXliZM.customizeColorEffect .row-2 { background: #E9F0EC; } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title { display: unset; } #wgZaNkmexkYXliZM.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title .prod-name:hover, #wgZaNkmexkYXliZM.customizeColorEffect .listing-title:hover, #wgZaNkmexkYXliZM.customizeColorEffect .add-text:hover, #wgZaNkmexkYXliZM.customizeColorEffect .disclosure-contnr .text:hover, #wgZaNkmexkYXliZM.customizeColorEffect .see-more-text:hover { color: #EB0017; } #wgZaNkmexkYXliZM.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #wgZaNkmexkYXliZM.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #wgZaNkmexkYXliZM.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title { display: block; } #wgZaNkmexkYXliZM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #wgZaNkmexkYXliZM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #wgZaNkmexkYXliZM .sh-right-arrow { display: none; } #wgZaNkmexkYXliZM.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #wgZaNkmexkYXliZM.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #wgZaNkmexkYXliZM.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #wgZaNkmexkYXliZM{position:relative;}.add-overlay-content{right: 4%;}#wgZaNkmexkYXliZM .shmktpl-button span.btn__text::after{display:none;} #wgZaNkmexkYXliZM .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #wgZaNkmexkYXliZM .shmktpl-button:hover{background:#0E86DE;} #wgZaNkmexkYXliZM .add-text:hover {color:#0E86DE;} #wgZaNkmexkYXliZM .listing-title .prod-name:hover{color:#0E86DE;} #wgZaNkmexkYXliZM .disclosure-contnr .text:hover{color:#0E86DE;} #wgZaNkmexkYXliZM .see-more-text{width:68px} #wgZaNkmexkYXliZM .see-more-text:hover{color:#0E86DE;} #wgZaNkmexkYXliZM .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings account rates on October 29, 2025: Earn up to 5.00% APYVaro Bank has the best savings account rate, offering up to 5.00% APY. As part of our ongoing commitment to help readers optimize their savings,Fortunecontinuously monitors the top rates offered by leading U.S. financial institutions. Compare the top savings account rates below:FDIC average national deposit rates: January 2020 to presentThe rates listed above are significantly higher than the national average of0.41%%that you’ll find on many accounts. And after the Fed’s recent rate cuts this average has been falling, down from a previous high of 0.47% in March 2024.Savings account news in 2025The Federal Reserve’s monetary policy decisions play a key role in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the APYs offered on savings accounts to remain competitive. Conversely, when the central bank lowers rates, savings account yields generally decrease.At present, the federal funds rate stands at 4.00%-4.25%. It long remained at 4.25%-4.50% after the December 2024 meeting, but the central bank made a quarter percentage point cut when it met Sept. 16-17, 2025.It’s possible we’ll see savings account APYs dip, especially if banks anticipate the Fed may cut rates further when it meets in October and December of this year.Still, bear in mind that the linkage between Fed rates and savings yields isn’t always so direct. Banks adjust their savings rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Here’s why finding high-yield savings account is importantThe key difference between high-yield and traditional savings accounts lies in the interest rate offered; High-yield accounts typically provide rates 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is0.41%, many of the high-yield accounts on our list offer rates above 4.00%.Traditional accounts often come with physical branch access but lower rates, while high-yield accounts are typically offered by online banks. They feature higher rates but no option for in-person services. Just remember that no matter what type of account you have, you’ll owe the IRS a portion of the interest earned.Substantially higher interest rates aren’t the only perk you get from these accounts, either. They’re often free from minimum balance requirements or monthly fees. Your liquid funds remain easily accessible, making them ideal for emergency funds or short-term savings goals. And these online accounts are still FDIC-insured, providing the same protection as traditional banks.When comparing savings accounts, keep these factors in mind:Interest rates:Look for competitive APYs to maximize your earnings.Minimum balance requirements:Many high-yield accounts have no minimums.Fee structure:Avoid accounts with monthly maintenance fees.Fund accessibility:Ensure easy withdrawals or transfers when needed, preferably without charging foreign ATM feesSecurity:Verify FDIC insurance coverage.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?The frequency with which your high-yield savings account’s rate changes isn’t set in stone. Financial institutions can update APYs at their discretion, but changes are commonly linked to moves in the federal funds rate set by the Federal Reserve.Should I switch banks if I find a savings account with a higher rate?If you find a higher APY elsewhere, it might be smart to switch, but only after checking if the extra interest earned would be substantial and if the new account’s terms (for example, minimum deposit requirements) fit your needs.How easy is it to withdraw money from a HYSA?It’s typically simple to take money out of a HYSA, especially assuming your bank offers digital transfers. Just know that even though federal limits on withdrawals have been lifted, some banks continue to restrict you to six per statement cycle.Should I choose an online-only bank for my HYSA?Online banks frequently offer more competitive yields on savings accounts, so they’re a great place to look when searching for the best high-yield options.Can I lose money in a high-yield savings account?With FDIC or NCUA insurance, your principal in a HYSA is secure up to the insurance max. However, if the account’s APY is lower than inflation, your money’s buying power could decrease over time.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-22 05:55:11

Earn up to 4.20% APY with the best CD rates available on Nov. 5, 2025

You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.Currently, the best CD rates offer up to 4.20% annual percentage yield. If you fund a certificate of deposit on November 5, 2025, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser Disclosure Advertiser Disclosure:Powered By:/* Loader */ #GQjWquANcykEQOzL .sh-spinner { display: none; } #GQjWquANcykEQOzL.listingsLoading .sh-spinner { display: block; } #GQjWquANcykEQOzL.listingsLoading .sh-widget-render-result { display: none; } #GQjWquANcykEQOzL.listingsLoaded .sh-widget-render-result { display: block; } #GQjWquANcykEQOzL.listingsLoaded .sh-spinner { display: none; 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} #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-m-hide, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-m-hide, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-m-hide { display: none !important; } #GQjWquANcykEQOzL.sh-box600.device-desktop .seeMoreTerms, #GQjWquANcykEQOzL.sh-box650.device-desktop .seeMoreTerms, #GQjWquANcykEQOzL.sh-box700.device-desktop .seeMoreTerms { max-width: 400px; margin-left: auto; margin-right: auto; } #GQjWquANcykEQOzL.sh-box600.device-desktop .logo-image-wrapper, #GQjWquANcykEQOzL.sh-box650.device-desktop .logo-image-wrapper, #GQjWquANcykEQOzL.sh-box700.device-desktop .logo-image-wrapper { max-width: 200px; min-height: unset; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-row-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-row-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-row-container { flex: 0 0 100%; order: 2; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-row-sub-container .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-row-sub-container .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-row-sub-container .sh-title-container { display: flex; margin-bottom: 15px; } #GQjWquANcykEQOzL.sh-box600.device-desktop #sh-header-container, #GQjWquANcykEQOzL.sh-box650.device-desktop #sh-header-container, #GQjWquANcykEQOzL.sh-box700.device-desktop #sh-header-container { padding: 0 20px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-d-hide, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-d-hide, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-d-hide { display: block !important; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-listing-content-wrapper, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-listing-content-wrapper, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-listing-content-wrapper { display: block; padding: 20px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-promo .sh-promo-text, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-promo .sh-promo-text, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-promo .sh-promo-text { font: normal normal normal 16px/25px Roboto; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-btn__text, #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-btn__text, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-btn__text, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-btn__text, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-btn__text, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-btn__text { width: 100%; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-fdic-insured, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-fdic-insured, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .product-details-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .product-details-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .product-details-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .product-details-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-title, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-title, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-promo, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-promo, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-promo-offer-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-promo-offer-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-fdic-dis-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-fdic-dis-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-cta-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-cta-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-cta-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-cta-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .mobile-bottom-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .mobile-bottom-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #GQjWquANcykEQOzL.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #GQjWquANcykEQOzL.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #GQjWquANcykEQOzL.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #GQjWquANcykEQOzL.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #GQjWquANcykEQOzL.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #GQjWquANcykEQOzL .sh-row-container.sh-apy-value { height: 24px; } #GQjWquANcykEQOzL .sh-title-container { height: 45px; } #GQjWquANcykEQOzL .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #GQjWquANcykEQOzL .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #GQjWquANcykEQOzL .sh-first-product .sh-title-container { height: 72px; } #GQjWquANcykEQOzL .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #GQjWquANcykEQOzL .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #GQjWquANcykEQOzL .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #GQjWquANcykEQOzL .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #GQjWquANcykEQOzL .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #GQjWquANcykEQOzL .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #GQjWquANcykEQOzL .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #GQjWquANcykEQOzL.loadingMessage .sh-loading-msg { display: block; } #GQjWquANcykEQOzL.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #GQjWquANcykEQOzL .sh-loading-msg { font-size: 18px; } } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-container { align-items: center; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #GQjWquANcykEQOzL .sh-row-product-title.sh-bank-name { display: none; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #GQjWquANcykEQOzL.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #GQjWquANcykEQOzL.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #GQjWquANcykEQOzL .sh-gb-banner.sh-promo { display: none !important; } #GQjWquANcykEQOzL.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #GQjWquANcykEQOzL.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #GQjWquANcykEQOzL.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #GQjWquANcykEQOzL.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; 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} #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; 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font-weight: 600; } }The best CD rates on November 5, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY, but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with lower rates in 2025. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-28 05:33:26

Mid Wales cyber firm SudoCyber looking to scale-up on £1m equity injection

Gamified cyber-security learning platform venture, SudoCyber, has secured a seven-figure equity investment to support its growth plans. The Brecon-based firm has received a £1m investment from the £130m Investment Fund for Wales, which was launched in November 2023 by the economic development bank of the UK Government, the British Business Bank. The £50m equity element of the fund is managed by Foresight Group, which has made its fourth investment and its first in Mid Wales. SudoCyber founders Jason Davies, Marc Del-Valle and John Davies have all served in the armed forces. he investment bolsters its growth plans for their gamified training which is used by the military, police, academia and industry. Established three years ago, the business began by training military personnel and has expanded to train cyber-crime police officers. Last year it won a three-year contract to train officers across all UK forces and the UK’s 10 regional organised crime units. The firm also services most universities in Wales, including Cardiff, Wrexham and south Wales. In its first funding round, SudoCyber said it will enable its 11-strong team to expand and recruit to further develop services, build the sales and marketing team, as well as expand internationally. As part of Foresight’s investment, the SudoCyber team will be supported by Geraint McGrath, senior investment manager at Foresight, who has been appointed to the board. A military background has been crucial to the team’s success. Mr Del-Valle, chief executive of SudoCyber, has more than 20 years of experience creating and delivering bespoke tactical and strategic communication instruction as part of his role within the British Army. He said: “With the ever-evolving landscape of cyber threats, it is essential that organisations maintain a knowledge of cutting-edge cybersecurity. We have equipped soldiers with the necessary skills to counter nation-state threats and this previous experience, insight and expertise has contributed to our success. “From very early conversations with Foresight, we realised that we were aligned in driving the issue of cyber security forward.” SudoCyber chief executive and co-founder Mr Davies, said: “We’re excited at the prospect this equity investment presents. We have ambitions to further develop the gamified elements of our learning platform, and to expand our client base in the UK and internationally. “This includes reaching out to more universities where lecturers in cyber security appreciate being able to outsource some modules to benefit from our expertise.” Bethan Bannister, senior investment manager, nations and regions investment funds at the British Business Bank, said: “The Investment Fund for Wales was established to provide the financial backing that innovative and ambitious companies like SudoCyber so often need, and we are particularly pleased to support their growth plans as they continue to scale. “The SudoCyber team is expert within this specialist and increasingly vital sector, and they have established an impressive roster of clients. “We look forward to tracking their success following this significant investment.” Mr McGrath said: “We are very pleased to support SudoCyber with this significant £1m investment, marking our first investment in mid Wales and underscoring our commitment to supporting the growth of dynamic Welsh businesses. “With this investment, SudoCyber is poised to enhance its capabilities, expand its team, and broaden its market reach. We look forward to partnering with Jason, Marc, and John on their exciting growth journey.” Mr McGrath said: “We are very pleased to support SudoCyber with this significant £1m investment, marking our first investment in mid Wales and underscoring our commitment to supporting the growth of dynamic Welsh businesses. “With this investment, SudoCyber is poised to enhance its capabilities, expand its team, and broaden its market reach. We look forward to partnering with Jason, Marc, and John on their exciting growth journey.” Advisers Foresight: SME financial advice by FosterDenovo Dynamic Portfolios Legal advice by Blake Morgan SudoCyber:

Personal Finance 2025-12-22 03:42:18

Current ARM mortgage rates report for Nov. 10, 2025

While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Average ARM mortgage ratesFortune reviewed the most recent data available as of Nov. 7. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.513%6.584%6.670%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.513%U.S. Bank 7/6 ARM6.584%Zillow Home Loans 7/6 ARM6.670%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesAbout 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity. When you might consider an adjustable-rate mortgageHere are three categories of homebuyer for whom ARMs can be helpful:Buyers of temporary or “starter homes.”If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits. Investors.Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one. Buyers during periods of high interest rates.Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires.  Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins. Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including: Benchmark rates.ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages. Margins.The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins. Rate caps.Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total. The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms). Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageSometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance.  Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.Pros and cons of adjustable-rate mortgagesLike any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process: N/AProsPossibility for a lower interest rate upfront.Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period. Lower borrower requirements.Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI). Monthly payments may decrease.If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment. ConsBut, monthly payments may go up.Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.Difficult to rate shop.When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront. Less peace of mind.Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. 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Travel 2025-12-05 23:37:04

Close quarters: What are the defining factors of a liveable urban area?

1.Fremantle, AustraliaWestern Australia’s Fremantle – or Freo (“Free-O”) as it’s known – may technically be a suburb of Perth and its port, but the area’s distinct history and tight-knit creative community make it a place unto itself. While the 30,000 or so people who live here affectionately describe Fremantle as a “bubble”, downtown Perth (30 minutes away by car or train) is a place to venture only if strictly necessary. “It’s like a small town where everyone knows everyone,” says Blaze Young, executive chef at Nieuw Ruin, a restaurant on Fremantle’s Norfolk Street. Young was born in Fremantle but grew up “way out in the bush” and moved back as an adult. “This is a really beautiful, open and welcoming community. There are no downsides.”Fremantle’s beautifully preserved Victorian and Edwardian architecture points to its heyday as a 19th-century maritime hub and there’s a mix of colonial red-brick houses, ornate wrought-iron balconies and gothic revival-style churches. Bricks-and-mortar retail is thriving too: the high street is a bustling mix of cafés, wine bars, bookshops, fitness studios and art galleries. The ocean is a few minutes’ away and walking and cycling paths trace the shoreline, leading to pristine sandy shores such as Bathers Beach and the seaside Esplanade Park. Families with young children crowd the playground and wander along the shore. “We have the best beaches in the world by far,” says Young with utter conviction. Every afternoon in the summer, the “Freo Doctor”, a colloquial term for a seasonal sea breeze, blows in from the sea, cooling the whole town.South Fremantle dog beachIn the past few years a spate of new cocktail bars, breweries, restaurants and speciality cafés opened, injecting new energy into Fremantle’s dining scene (but the classic seaside fish-and-chip spots are still not to be missed). Fresh seafood and local produce dominate bistro menus and wine lists run pages long, taking advantage of Fremantle’s proximity to Margaret River, one of the country’s best wine regions. Good Things Café on Bannister Street has become a weekend brunch institution, to the extent that its owners have been stopped on the street by loyal customers demanding to know when their favourite seasonal dishes are returning to the menu. A quiet cultural backwater it isn’t: Fremantle’s arts scene, one of its best-known features, has deep roots. Former shipping warehouses and a Victorian-era asylum now serve as exhibition centres and artists’ studios, such as the colourful J Shed, while independent art galleries populate many shopfronts around town. Amy Grasso, a Fremantle resident who juggles a day job at an apothecary with her textile art, which she makes in one of the J Shed studios, co-organises “creative meet-ups” for local artists. “We’re trying to organise community support for creatives,” says Grasso with a grin. “A lot of artists live in Freo.” Indeed, there are frequent weekend and summer markets featuring Fremantle artisans, dressmakers and ceramicists. “It’s a place that artists have always been drawn to,” says Carine Thévenau, a photographer who grew up in Fremantle and moved back from Sydney last year with her husband and daughter. Before heading to the beach, she drops a parting refrain that Monocle became very familiar with on our trip. “Freo has everything we need.”Fremantle’s top spotsThe bar:Patio Bar 4/3-13 Essex Street Nieuw RuinThe outdoor space:South BeachThe cultural centre:1 Fleet StreetThe school:John Curtin College of the ArtsDrinks at Gage Roads BreweryKidogo ArthouseHannah at Patio BarJ Shed artists’ studiosIce cream at Kuld CreameryDinner at Nieuw RuinNew Edition bookshopWine tastingFremantle wine bar Vin PopuliSouth Beach at sunsetTaking a dipCicerello’s FremantletFremantle harbourBaby Jack Jones and dadSculptor Greg James at J ShedSculptor Jina Lee’s studio at J ShedStudent at the University of Notre DameKuld Creamery owners Kaitlyn and Mati KuldFish tacos at Gage Roads BreweryBathers Beach House2.Kita-Kamakura, JapanJust a short journey from Tokyo by train, Kamakura offers a very different perspective. The city of 171,000 sits on Sagami Bay, spreading back from a wide sandy beach into the hills. It might not be immediately obvious from the laidback surfer vibe of today but Kamakura was once the religious and political heart of Japan and, in the 13th century, its second capital. The remnants of that era are everywhere, in dozens of temples, shrines and gardens. Tsurugaoka Hachimangu shrineEnoden railwayCipollino restaurantJust a few steps away from Shokado is Cipollino, a bistro where the daily menu includes a fresh pasta with local vegetables and seafood from Zushi, just along the coast. Owner-chef Shuhei Koizumi’s grandfather had a Japanese restaurant in Kita-Kamakura. “I trained in Tokyo,” says Koizumi. “But I always wanted to come back.” One woodworker here is still operating at age 79. His family shop, Tomono Furo, which sells cedar bowls, stools and chopping boards, has been in Kita-Kamakura since 1814. “I started when I was 10 and I make everything by hand,” he tells Monocle. “Things you buy online can’t compare.” Taking snaps on Yuigahama BeachYakitori HideyoshiKamakura Annex at the Museum of Modern Art, Kamakura AnnexKita-Kamakura (North Kamakura) is a lush, woody enclave a couple of kilometres inland and surrounded by hills. Streets are leafy and low-rise, and the elegant tone is shaped by the historic Zen temples that stretch along the road. Shokado is a confectionery shop on the main street run by Tomoko Kurihara and her brother; their father opened the business in 1961 and today they sell traditional Japanese sweets. “This is a friendly neighbourhood,” says Tomoko. “People look out for each other.” Outdoor activities are also prominent. “If you grow up here, hiking is part of life,” she adds. One of the most popular trails leads up from Kita-Kamakura, along a ridge and down into Zuisen-ji temple in the east of the city. La Petite Boulangerie in Kita-KamakuraSurfing at Yuigahama BeachMeigetsuin temple in Kita-KamakuraLast year furniture collector Thierry Lamoine and his wife, Arrow Nakajima, opened Galerie One in a pre-warkominka(wooden house). A short walk from Kita-Kamakura and next to the peaceful temple of Kakuon-ji, the beautifully preserved house is the perfect backdrop for Lamoine’s exceptional finds by architects and designers such as Pierre Jeanneret and Charlotte Perriand. “The furniture looks much nicer than in a white cube in Tokyo,” says Lamoine, who also has a gallery in Paris. “Knowing our customers is the biggest asset of the Kamakura gallery: collectors can sit, have a drink and take time to tell us which pieces they like. They never stay less than one hour.”Kenji Oguchi at Kita-Kamakura ShokadoHokokuji templeViews of Sagami BayWhile the tranquillity of Kita-Kamakura makes it a great place to live, those after a more vibrant proposition can hop on a five-minute train to central Kamakura, where there are bars, restaurants and food shopping in theichibamorning market. The traditional Kamakura scene ofhato-sabure(dove-shaped shortbread biscuits) and craft shops is still there but it has now been joined by outdoor brands, coffee shops and a Muji restaurant. Some things never change though: just stand on the beach and take in that perfect sunset view of Mount Fuji.  Ikebana’ artist Toru Watarai at Galerie OneNoodles at Kirasa restaurant in KamakuraDaibutsu at Kotokuin templeBack in Kita-Kamakura, residents have the place to themselves, the only audible sounds emanate from the trees and the forested hills (and perhaps the clink of wine glasses at Cipollino). “It’s very quiet here,” says Tomoko Kurihara. “That’s how we like it.”Cyclists at WakamiyaojiCipollino’s owner-chef Shuhei Koizumi with colleagueGalerie OneFresh goods at La Petite BoulangerieProduce market in KamakuraCafé Meal MujiBamboo flower baskets for saleHappy walkers on Yuigahama BeachNowhere bakery in a former liquor shop3.Chiaia&Vomero, Italy“I wouldn’t go to any other city in the world,” says Giò Nardi as he shows Monocle around his apartment in Naples’ upscale Chiaia neighbourhood. Like so many we speak to during three days in the city, something drew Nardi, a DJ and events organiser, back to his hometown after some time away. It might have something to do with the Bay of Naples glistening away in the distance just outside the window. “I can swim before work or go to Capri at weekends,” he says. “It still feels authentic here.”Naples’ stretch of coastline isn’t the Côte d’Azur – but that’s the point that Nardi is making. Neighbourhoods such as Chiaia feel rooted in place rather than transformed into tourist playgrounds; community still exists. One resident we meet by the district’s waterfront, who gives his name only as Andrea, says that he has lived in Miami and Barcelona but Naples always wins due to “the Neapolitan’s heart; a Neapolitan will always help you”, before zipping down the Viale Anton Dohrn on his BMW CE 04 electric motorbike.Naples’ top spotsGiovanni Bausan the restaurant Cap’alice 28/m Via Giovanni Bausan the outdoor space Villa Floridiana Park the cultural centre Thomas Dane Gallery thomasdanegallery.com the shop M Cilento & Fratello cilento1780.itLiberty palazzo in ChiaiaReady for summer on Chiaia’s public beachSweeping views, including of Vesuvius, from VomeroChiaia is one of the city’s most liveable quarters, with shops, bars and restaurants at its centre. As you retreat from the shore and up into the hills, it becomes populated by 18th and 19th-century villas, plus the occasional Liberty beauty. Nardi calls the area “a good compromise” between the centre – teeming with history but chaotic and full of tourists – and more residential Posillipo further round the coast.Lemon-selling kioskLucrezia Maspero in Villa Floridiana parkFederica Sheehan’s homeThat sense of warmth is shared by Lucrezia Maspero, a tennis instructor originally from Milan, who met her Neapolitan husband in Rome and moved to the city eight years ago. We meet in the Villa Floridiana park in Vomero, a leafy neighbourhood with spectacular views, that sits immediately above Chiaia. “People are very close here,” she says. “You feel immediately at home.” And while she admits that it lacks playgrounds for her two children and other civic amenities, she can still jump in a canoe and explore the coast or be in woodland in less than an hour.Flower shop spilling onto the streetJ’adore Napoli” kioskNear the waterfront in ChiaiaBack in Chiaia, gallerist Federica Sheehan shows Monocle around the Naples outpost of London’s Thomas Dane gallery, open since 2018. Set in a grandiose 19th-century villa, Sheehan says that Chiaia has the “space and light” that the centre lacks. She also explains the neighbourhood’s deep contemporary art roots, pioneered by art dealer Lucio Amelio and continued by the likes of Studio Trisorio and Galleria Lia Rumma.  Osteria della MattonellaSharp dressing on Chiaia’s waterfrontLively avenueIn the evening, people are drinking aperitivo on Via Bisignano, while children play football and adults fish off rocks on the waterfront. Restaurants and taverns such as Cap’alice, Osteria della Mattonella or Vomero’s historic Gorizia pizzeria mean that it’s hard not to eat well. Over at Jus natural wine bar and restaurant, small dishes includingluvaro(a local fish) served with a strawberry vinegar and celery, and anchovy fillets accompanied by fragrant bergamot butter, can all be washed down with a glass of minerally Greco di Tufo white wine. Ponte di Chiaia dates back to the 17th centurySmart shops in central ChiaiaPalazzo courtyardJus owner Diego Amura left a job in telecommunications to follow his passion for wines in 2021 and hasn’t looked back, helped by the fact that his commute is precisely a three-minute walk. “I love it here. I practically live on the sea and arriving at work is a joy,” he says, before pausing for a moment. “The sea changes everything.”Effortless moped-ready styleChic Chiaia localLunchtime crowd at Osteria della MattonellaChiaia street sceneChiaia resident

Personal Finance 2025-12-08 17:47:07

Current price of silver as of Thursday, October 30, 2025

At 8:15 a.m. Eastern Time on October 30, 2025, silver cost $48.17 per ounce. That’s a $0.13 drop from yesterday but more than a $14 increase compared with last year.Silver price per ounce% ChangePrice of silver yesterday$48.30-0.26%Price of silver 1 month ago$46.92+2.94%Price of silver 1 year ago$33.77+42.64%Price of silver yesterdaySilver price per ounce$48.30% Change-0.26%Price of silver 1 month agoSilver price per ounce$46.92% Change+2.94%Price of silver 1 year agoSilver price per ounce$33.77% Change+42.64%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t an investment to look to for explosive returns. In the long term, it significantly trails the stock market. Since 1921, silver’s value has lagged the S&P 500 by about 96%—meaning an identical investment in both would leave the silver portion worth roughly 96% less on October 30, 2025. Silver’s appeal lies in stability and hedging against inflation. Known as a “store of value,” it often preserves purchasing power when inflation bites, effectively petrifying the value of your money until you want to access it again. That said, silver’s price swings are more pronounced than gold’s because of its industrial applications—in gadgets, healthcare tools, and beyond—whereas gold is almost exclusively a safe-haven asset.What does “spot silver” mean? The “spot silver” price indicates the current rate at which silver could, in principle, be traded instantly. But we should note that buyers in the real world typically face premiums above spot to cover markups, shipping costs, and insurance. Spot pricing offers investors a real-time barometer of market demand. That is to say, a higher spot price suggests stronger buying pressure.What is “price spread” in silver trading? “Price spread” denotes the difference between ask and bid prices: Ask price.This means the cost to purchase silver Bid price.This means the proceeds from selling silver A tight bid-ask spread points to high liquidity, while a wide gap can indicate lower trading activity. How to invest in silver Silver holdings can be physical or fund-based (ETFs). ETFs allow you to gain exposure without handling storage or logistics, as the fund can still retain actual silver. Popular silver investments include: Bullion.This is in the form of bars or rounds sold by weight and purity. Coins.Government-minted currency such as American Silver Eagles and Silver Maple Leafs, often sold at a premium, are popular both for aesthetic reasons and because the government backing may give buyers a level of confidence in the purchase’s authenticity.  Jewelry.Think artisanal pieces that command prices above equivalent-purity bullion. Mining stocks.This refers to shares in companies extracting silver, offering an indirect route for investing in silver. On exchange platforms, bullion and coins must be at least 99.9% pure. Anything below this threshold typically qualifies as industrial or collectible silver. 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font-weight: 600; } }Is it a good time to invest in silver? Silver’s price has climbed almost 25% in 2025, reaching decade-high levels. Whether to buy now hinges on your strategy. Precious metals can hedge inflation, and rising industrial uses—from solar to electronics—could potentially drive further gains. However, investors looking for more robust growth may be disappointed. Current precious metals prices as of 8:15 a.m. ET on October 30, 2025 Precious metal Price per ounceGold$3,981.05Silver$48.17Platinum$1,585.35Palladium$1,431.56GoldPrice per ounce$3,981.05SilverPrice per ounce$48.17PlatinumPrice per ounce$1,585.35PalladiumPrice per ounce$1,431.56Gold is the stalwart safe haven; platinum and palladium share similar volatility to silver due to smaller markets.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway In an uncertain economy, precious metals may be a prudent addition to one’s portfolio. Silver’s performance in 2025 has bested gold’s, and some analysts predict a continued uptrend which may potentially push prices to all-time highs. Silver’s relatively low cost makes it more accessible for the casual investor. Whether through physical holdings, ETFs, or mining equities, you can position yourself to benefit from the next silver upswing. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors typically advise allocating no more than 10% to 15% to silver and capping precious-metal exposure overall at 20%.Can silver be held in an IRA?Yes—IRA-approved, 99.9% pure coins and bars held by an IRS-approved custodian qualify.  While some may choose to collect silver jewelry with lower purity levels or pre-1965 U.S. coins containing silver (often containing around 90% purity and known as “junk silver”) just know these won’t qualify for IRA inclusion.What’s driving silver prices in 2025? This year’s silver rally likely stems from limited supply and growing demand from industrial and investment sectors.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-03 10:34:53

IT services firm strikes Birmingham City deal

An IT services company has struck a new deal with Birmingham City FC. Intercity has become the club's official IT support partner for the next three years. The Birmingham-based company will be responsible for upgrading the club's IT systems and cloud servers, providing matchday stadium support and enhancing network connectivity at the training ground among other work. A support engineer from Intercity will also be on site to provide technical support. Intercity has doubled its workforce to 325 over the last five years. This latest deal with League One Birmingham City follows similar tie ups with Warwickshire County Cricket Club and their home of Edgbaston stadium. Chief executive Charlie Blakemore said: "We are incredibly proud to partner with Birmingham City FC, a cornerstone of our local community. "This strategic partnership represents a great synergy between two Birmingham-based organisations with deep and passionate roots in the city. "Our focus will be on helping the football club with its digital transformation, a critical journey that will boost operations and allow them to focus on their performance both on and off the field. "We have always prioritised building strong partnerships within the community and adding Birmingham City to our roster is not only a tremendous honour but a fantastic vehicle for doing good in the local areas we operate in. "There is a real vision and desire from the owners to use football to regenerate places and lives and we will ensure they can do that through the most appropriate use of technology and by driving shared connections in the city." Birmingham City chief executive Garry Cook added: "We took over 18 months ago and the focus was on fixing and building the football club.

Travel 2025-12-15 09:19:00

Editor’s letter: Andrew Tuck on why we travel

After The Monocle Quality of Life Conference concluded in Istanbul in October, we took a crack team of readers on an adventure south. Everyone was a little depleted from a series of too-fun dinners, some dancefloor exuberance and taking in the joys of being in the boisterous city.The delayed departure of the Istanbul to Bodrum flight wasn’t exactly what we had hoped for. But, secluded in the lounge, people started introducing themselves to one another and began revealing elements of their lives. We were a globally disparate pack – from Dubai, China, the Philippines, the US, Switzerland and the Netherlands – but we were all united by our mission to reach the beach resort of Macakizi. Landing at Milas-Bodrum Airport, we were met by a fleet of identical Land Rover Defenders, their drivers a well-turned-out and soothing team. We headed off into a dusky glow, as a bougainvillea-pink sun eased below the horizon. After brief and restorative dives from the jetty into the sea, everyone gathered for dinner at the hotel. By now we were a team, sitting together in the night air as conversations bounced back and forth across the table and laughter echoed. Over the next two days there were boat trips and snoozing, healthy lunches and books devoured. People relaxed. Characters shone. It all flowed from a couple of days spent in a well-run hotel where the luxuries were discreet and the service exemplary. I have been feeding off of that brief sojourn’s warm glow ever since; you can plan a stay too after reading our report.This is why we travel. Whether your adventure involves driving along the Albanian coast, crisscrossing Greek mountains or finding quiet roads and outposts in remote Australia (all in this magazine), the simple act of setting off on a journey holds the potential to reset your mind, make you feel at ease, fill you with new ideas and introduce you to places and people who might just change your life (or prove to be perfect company after a Monocle conference).While planning 2024’s outing ofThe Escapist, we sought out new perspectives and destinations, lifted the lid on the business of travel and met the hospitality architects changing our hotels for the better. We also interviewed the industry chiefs in attendance at the International Luxury Travel Market in Cannes to find out where trends will be taking us and looked at everything from upscale train brands to aircraft design. In short,TheEscapistis a bulging suitcase of reports and ideas.But this isn’t our only deep dive into travel. In Monocle, you’ll find The Concierge pages, where we guide you to the best places to stay, dine and visit across the globe. And, very soon, we’ll be unveiling a new world of travel atmonocle.comas we explore how to guide you around the world with ease. But for now, sit back, read the pages and start dreaming. Life awaits.

Tech 2025-12-07 23:57:20

Kinewell Energy targets Asia-Pacific growth with revamped software products

Offshore digital tech firm Kinewell Energy has its sights on further expansion into the Asia-Pacific following backing from Innovate UK. The Tyneside-based creator of software that helps offshore wind farm developers lay out turbines and connecting cabling has translated its suite of systems into Japanese and Korean - both expanding markets in which the firm hopes to do more business. Kinewell has already enjoyed some initial success in the Asia-Pacific market, having last year launched the Kinewell Wake-Optimisation Turbine Arrangement solution - an AI-powered software for calculating the best position of offshore wind turbines - at the Global Offshore Wind Summit in Fukuoka in Japan. In South Korea, the firm has supported the early development of the 600MW Wando-Guemil offshore wind project in the Yellow Sea, helping Blue Wind Engineering to find the best location for the offshore substation and optimise the project's inter-array cable layout. This week, some of the firm's North Shields-based team have travelled to Taiwan, Japan and South Korea to meet clients and drum up further business. They will attend the APAC Wind Energy Summit in Incheon, South Korea. Founder and CEO Dr Andrew Jenkins said: “We’ve already worked with six companies in Japan and three in South Korea to deploy our SaaS optimisation tools and provide consultancy services. One of our Japanese clients has also recently renewed its subscription to continue using our KLOC inter-array cable layout optimisation solution, and the demand for our services in the market is continuing to grow. "This is why we decided to translate our software solutions into Japanese and Korean, to make it easier for clients to use our tools through their native language, and we’re thankful to Innovate UK for helping make it possible to do so. We see strong demand and growth across the whole of the Asia-Pacific region for our offshore wind design optimisation tools and the funding and support from Innovate UK will really help us to grasp the lucrative opportunities this increased demand will present.” Government support for Kinewell has come via Innovate UK, part of UK Research and Innovation (UKRI), through its Net Zero Living: User focused design competition. It allowed Kinewell to make its software solutions as easy to use as possible through user-focused design principles and work with the Design Council, as well as funding for the language translation.

Travel 2025-12-27 03:09:23

Why travellers are heading north to Norway’s Lofoten Islands – a hidden gem of the wild and windswept north

If you’re on holiday in Nusfjord, you’ll likely have come far. You’ll probably have changed planes in Oslo, boarded another in Bodø and ended up careening over the crags of Norway’s northwestern coast in your little Dash 8 turboprop, where the dark islands look like whales breaching in the brine. Then you’ll have dipped a wing toward the Lofoten archipelago, where the bays are turquoise and the summer grass is green. You’re in the cock’s comb, almost at the top of mainland Norway and well into the Arctic Circle, to find Nusfjord: a beautiful nook in the world’s second-longest coastline (Norway is still some 100,000 kilometres behind the weathersome cliffs of Canada). This neck of the Nordic woods and its latitudinal brethren are hot because they’re cool: as southern Europe’s sizzle has turned to crackle, eyes are looking northward for a calmer balm and some old-fashionedweather. So, if you’re here and you don’t speak much Norwegian, you’ll likely have come far.Phew, you have arrived.Cabin feverMountain highNusfjord was a fabled fishing village for a thousand years, a haven on a wild coastline where boats could be safely moored and cabins built to house the hundreds of fishermen who’d rowed for days and weeks on high seas to reach this specific spot, staying for months to catch, dry, store and sell their cod. Renata Johansen, born and raised in the village, puts it better. “Every January to March theskreihas been coming down from the northern sea with his girlfriend to find the marriage bed with the perfect temperature for making babies,” she says. “What was irresistible for the fish was irresistible for the fishermen, too.” Plate expectationsJohansen is the front-of-house manager for what Nusfjord is now, which is still what you want on reaching a haven but in a very different way: a beautiful resort in which the rooms are calm, luxurious revamps of those old cabins and the administrative office for the weighing and selling of fish is now the very fine Restaurant Karoline. The rest of the village offers a swoon-inducing on-site bakery, thelandhandlerietshop and café for sandwiches, coffee and local crafts, an art gallery patronised by Norway’s Queen Sonja, a museum, a pub-and-pizza joint and a sauna that’s best enjoyed after a jump in the bloody freezing sea. It’ll toughen you up but not to the point that you’ll be like Johansen or one of her family. “Growing up here, the only child labour that was allowed in Norway is cutting the tongue out of the cod’s head. I bought myself a nice boat and a big motor with the money but we don’t offer it as an activity here for guests nowadays,” she says with a chuckle. Hitting the sweet spotWe’re soon out on the water – high above the cod – with Fred Ravneberg, Nusfjord’s general manager, his big laugh, a couple more members of his team and Caroline Krefting, whose family own Nusfjord. “In fact most of what you can see – even the mountain,” she says, with a smile that’s both proud and shy of any boastfulness. We’re out on the RIB boat for a tour that’ll take in the incredible sea eagles that nest and hunt around the bay and the Nusfjord estate’s small, private island with its very own small, private house, whose nickname seems to have stuck on the resort’s official literature: The Isolated Fisherman. But first, why get there slowly when you can rip around on that twin-engine RIB? A boat in the shape of a waterski and which appears to have been designed – and certainly today piloted – with the same thrills and spills in mind. It’s fast as hell and loves to get airborne off the waves. Lifejackets are hugged as the cold spray rains down. Greater still is the pure animal buzz of the big birds; the pair of sea eagles riding high on the updrafts above us, before swooping down on the waves to snatch a talon-full of what might well have been the leftovers of my fish. On we bounce and fly and bounce. The eagles regard us with a patient eye, then turn on their tail feathers for home and their young.In the swim of thingsView of the fjordSalteriet Galleri NusfjordCall of the wildArtisanal goods“We started this adventure eight years ago and now I feel both very grateful and very proud,” says Krefting. She is smiling into the sun’s dazzle as it dances off the sea, through the island pines and sitting room windows of the cosy cottage that, in June at least, does little justice to the name of The Isolated Fisherman. “Being here gives me a new perspective on life every time,” says Krefting. “In January we were skiing up on the mountain with wild views at 1,000 metres; where else can you see the sea from a mountaintop and almost ski down to it? And now we’re here right next to that sea and it’s another experience, to do with the season and the weather and the magic of this place.” Drinks at Oriana KroAfter the Krefting family bought Nusfjord, Caroline and her mother-in-law have ensured the accommodation and resort-wide fixtures and fittings have gone from a cheap-ish hotel-standard approach that made nothing of the cabins’ original layouts to a high-quality, low-volume, classily reserved Nordic style – all quiet luxury, cool and calm. Nusfjord, despite not having a road until the 1950s (it’s the sort of perfectly preserved picture of a place that you might stamp on a Norwegian biscuit-tin), had been inundated with camera-wielding coach-trips until the rethink and refurb. Now the village is still open for people to have a look and a coffee and poke about but some subtle yet firm pressure has helped bid the coachesadjø. There seems to be an honesty and a tenderness to the relationship between Krefting and, for example, Nusfjord-born Johansen’s family. Krefting talks of the “great warmth, great stories, great laughs” that go with the territory here and that she feels fortunate to have been involved with. “We also just had this goal which is about authentic experiences,” she says, “and that you don’t need to choose between comfort and nature – I hope we’ve woven both together here.”Cosy accommodationPeak performanceFlying highSerene watersThe weaving has indeed wrought a happy tapestry. Nusfjord’s village-first, hotel-later atmosphere is achieved through the open-air museum style of the resort but also by the charming staff, almost all of whom live here. Of course Nusfjord’s Nordic spa boasts a suite of treatments but maybe it expects you to have also broken a sweat outside of its sauna. Anyone for an adventure?“Haha! You’re in!” says Ravneberg, big laugh on full beam, on our fishing trip aboardElltor, the resort’s handsome boat. “Now wind him in, nice and smooth.” Out of the mill-pond-still of Nusfjord’s bay, we’re reeling again on the swells of the Norwegian Sea. A light breakfast seemed a wise choice: eyes on the horizon, breathe through your nose and focus on being flattered as a half-decent fisherman by a man who knows more than you about the ways of cod, coalfish, hake and halibut – and not because they were presented on a bed of samphire under Restaurant Karoline’s candlelight last night. There’s some angling banter about how I must have got lucky last night to be so lucky with the rod this morning, which we’ll let fly away on the Arctic breeze. Suffice to say, a respectful haul was had. Gutted, cleaned and into the ice they go, in order to be delivered to a beaming chef on dry land later. Fish soup, sir, caught by yourself? Ooh,ja vennligst.Lunch with a view of the surroundsWarmth in the wild at Nusfjord SpaFamily prideThe nature is really the thing. For all the laid-on activities, as lively or contemplative as they might be, the best thing photographer Ivar and I did was walk to the summit of the huge hill that looks over the village. It’s a decent hike, complete with knee-deep June snow in parts. The reward is the view at the top, the beer at the bottom and the kinship of walking together. Dinner at Restaurant Karoline – mostly fished, reared or grown nearby – was manna, a rum nightcap was nectar and the cabin and the bed – just right, just perfect – were heaven. That and the journey because you may well have come a long way but phew: you have arrived.nusfjordarcticresort.comWhat to packYou’ll want to indulge in all things Nusfjord on your trip, and that means dressing for the Nordic summer during the year’s middle months and being ready for almost anything for the rest of the year. The summer in Nusfjord typically means 10C to 15C but it can easily get up to 20C or dip into single figures when the wind has an edge. Take a bathing costume for the hot tub and a dip in the Arctic Sea (the sauna at Nusfjord is also swimmers-on); waterproof hiking boots; and a good rain jacket and hiking trousers (not the swishy kind, for the sake of Odin’s beard). And pack an eye mask: 24-hour sunlight can be as maddening as it is intriguing.What to seeThe Lofoten archipelago is a place of jaw-dropping beauty. Leknes, where we landed, would be a good spot to hire a car or you may wish to start further east into Norway to drive the length of the snaking peninsula, to end at the western tip and the succinctly-named Å. Along the route you’ll see many stunning beaches where you might do a double-take at the sight of plucky surfers in inch-thick wetsuits. Unstad beach is a popular spot to watch before getting a lesson courtesy of the Lofoten Surfsenter, where “Jack Frost”, the Lebowski-like local guru and proprietor, will regale you with tales of surfing among the ice floes in winter.Three books to get you in the mood‘A Woman in the Polar Night’byChristiane RitterThe 1930s memoir of an Austrian woman who left urban comforts behind to live with her explorer husband for a year in a shack in Arctic Spitsbergen. This classic of travel-writing witnesses months of near madness before her conversion to the Arctic’s lunar beauty.‘The Ice Palace’byTarjei VesaasA strange and allegorical coming-of-age tale about two girls on the brink of becoming young women in postwar rural Norway. Are Siss and Unn separate girls or halves of the same character? A sharp shock of powerful storytelling – the equivalent of a psychological ice-bath.‘Kon Tiki Man’byThor HeyerdahlThis is about the late, great Norwegian explorer and ethnographer rather than about his home country but there is much of the Nordic temperament in Heyerdahl’s unfussy prose. It describes an 8,000km cross-Pacific odyssey that he undertook on a hand-built raft in 1947.

Tech 2025-12-13 23:17:53

Grimsby's Card Industry Professionals acquired by US-based tech firm Shift4

Payments tech firm Card Industry Professionals has been acquired by New York Stock Exchange-listed Shift4 in an undisclosed deal. The Northern Powerhouse Investment Fund (NPIF)-backed business has become part of Shift4's global operation which processes $260bn of transactions annually. The deal represents an exit for Mercia Ventures, which backed the firm in 2022 to the tune of £850,000 using NPIF and Midlands Engine Investment Fund money. Card Industry Professionals was launched in 2017 by young entrepreneur Ciaran Savage, who was joined by his month, Lyn Savage as operations director and John Selby as sales director. The Aylesby-based firm now employs 20 people and has a network of more than 150 sales agents, and processes more than £60m of transactions each month. Ciaran Savage, founder and managing director, said: "We are excited to be joining the Shift4 family. We are committed to upholding the company values and best-in-class service customers have come to expect from us and are confident that this acquisition will allow us to improve upon those service levels, while offering even more value in the form of new benefits, incentives and product offerings." Maurice Disasi of Mercia Ventures added: "We’re delighted to have supported CIP on its growth journey. Ciaran and the team have built a business with first-class customer support and Shift4 now has the benefit of adding a strong and well-respected team here in the UK as part of their global operations. We wish the team continued success."

Tech 2025-12-01 01:09:04

County Durham firm braves Dragons' Den in bid to secure investment

A County Durham couple will become the latest regional business to brave the Dragons’ Den this week. Zara Paul and Aaron Morris are the founders of Choppity, a Belmont Business Park company behind a web-based AI video editing platform which is set to appear on the new series of the BBC pitching programme on Thursday in a bid to secure investment for their start-up. The co-founders and married couple only launched Choppity in 2023 with a vision to simplify the video-editing process for podcasters and businesses. The platform, which was founded in Durham, is already used in production by companies including ITN, Autotrader, Turtle Bay, and Sonatype, with features including AI subtitles, in which Choppity instantly adds subtitles to podcast clips, and Magic Reframe, which instantly turns a landscape podcast into a portrait or square one to make sure every speaker’s face can be seen. Before taking on the Dragons, the pair said their number one target for investment was entrepreneur and host of one of the world’s most listened-to podcasts, Diary of a CEO, Steven Bartlett. Zara proudly represents the LGBTQ+ community as an openly non-binary contestant, and said the experience was “important and deeply personal”. Zara said: “It was an unforgettable moment to be in that room, presenting something we’ve worked so hard on. The setup felt incredibly stripped back - just the two of us and a screen in front of the five established entrepreneurs. It was both nerve-wracking and exhilarating. “The startup world, and the media more broadly, often feel bare of LGBTQ+ representation, especially for gender non-conforming and trans founders. I hope this moment inspires others to pursue their ambitions and know they belong here too.” In a LinkedIn post the firm said: “After months of secrecy, we’re so excited to finally reveal the news. Watch the episode this Thursday 16th January, 8pm on BBC 1 to find out what the Dragons thought of Choppity. For those that have been following our company’s journey for a while, I hope you have fun watching this episode! “We’re extremely grateful for the opportunity to showcase Choppity on a national stage. To all of our users, customers and supporters, thank you for helping us get here.”

Tech 2025-12-12 13:42:16

Prime Minister Keir Starmer unveils 1,000 new AI jobs in Liverpool City Region with Kyndryl tech hub

Prime Minister Keir Starmer has announced 1,000 new tech jobs for Liverpool City Region as he pledged to 'relight the fires of innovation' through Artificial Intelligence (AI). The PM told BusinessLive's sister title the Liverpool Echo that American group Kyndryl, the world's leading IT infrastructure services provider is set to open a new tech hub in the Liverpool City Region, which will generate 1,000 jobs over the coming three years. Sir Keir told the Echo: "Liverpool voted for change in July. And my Labour government has been working tirelessly to deliver on that change. We're starting to reap the rewards of that hard work. "Last November I visited Runcorn to announce 2,000 jobs in the region - thanks to our £22 billion investment in Carbon Capture. Today I can announce that yet more jobs are coming as Kyndryl has committed to an extra 1,000 AI-related jobs over the next three years. He continued: "These are jobs of the future that will relight the fires of innovation across the Liverpool City Region. It means working people - from the Wirral to St Helens - will feel the change we promised. "I promised the Echo that I would turbocharge this great region, and here is the proof. Working hand in hand with Mayor Steve Rotheram, today's announcement shows how Labour in power is delivering for working people." Sir Keir's government said the new tech hub "will share the government's ambition to roll AI out across the country to help grow the economy and foster the next generation of talent." The Liverpool news comes as part of a broader government announcement, which states that AI will be 'unleashed' across the UK in an effort to "help turbocharge growth and boost living standards". The Prime Minister unveiled details of the government's AI Opportunities Action Plan today, stating that AI can "transform the lives of working people". Sir Keir added that the new technology "has the potential to speed up planning consultations to get Britain building, can help drive down admin for teachers so they can get on with teaching children, and feed AI through cameras to spot potholes and help improve roads. " The Prime Minister emphasised his government's commitment to this industry by agreeing to implement all 50 recommendations set out by Matt Clifford in his "game-changing" AI Opportunities Action Plan. The Prime Minister said: "Artificial Intelligence will drive incredible change in our country. From teachers personalising lessons, to supporting small businesses with their record-keeping, to speeding up planning applications, it has the potential to transform the lives of working people. "But the AI industry needs a government that is on their side, one that won't sit back and let opportunities slip through its fingers. And in a world of fierce competition, we cannot stand by. We must move fast and take action to win the global race. "Our plan will make Britain the world leader. It will give the industry the foundation it needs and will turbocharge the Plan for Change. That means more jobs and investment in the UK, more money in people's pockets, and transformed public services. That's the change this government is delivering." Chancellor Rachel Reeves said: "AI is a powerful tool that will help grow our economy, make our public services more efficient and open up new opportunities to help improve living standards. "This action plan is the government's modern industrial strategy in action. Attracting AI businesses to the UK, bringing in new investment, creating new jobs and turbocharging our Plan for Change. This means better living standards in every part of the United Kingdom and working people have more money in their pocket."

Travel 2025-12-03 23:49:28

Editor’s letter: Andrew Tuck on the best cities to call home

In the summer of 2007, Monocle launched its inaugural Quality of Life Survey as we searched for the best cities in the world to call home. Though other city-ranking indexes existed, we felt that they came to some poor conclusions. Had their compilers, we wondered, ever looked up from their spreadsheets of metrics to ask a few simple questions: is this city, which sounds good on paper, a fun place to live? Is it accepting of outsiders? Can you go to a bar at 01.00? Is it easy and pleasant to get around by foot, tram or bicycle? We were suspicious that the authors of these reports, well-meaning statisticians, hadn’t visited all of the cities that they lauded. So we saw an opportunity to create a survey that homed in on true liveability – what it was really like to reside in a place. Yes, we would gather statistics but we would also ask our network of correspondents and editors to tell us what was really happening in their hometowns.Not surprisingly, some cities have always flourished in our survey – often medium-sized metropilses that have invested wisely in infrastructure for generations, have nature on their side and sit in wealthy nations. So, this year, we wanted to put more cities in the spotlight – places that might struggle to get to the front of the pack if you take in every data point but are clear winners when you consider one key metric. I won’t spoil all of the fun here but for 2025 we have chosen 10 winners – yes, we have an overall champion but also nine more cities that deserve to be garlanded for their safe streets (without having your every move watched on CCTV), start-up culture and nightlife. Congratulations to all of the upstarts that made the podium this year.While we’re on the topic of Quality of Life, are you coming to our annual conference on this very subject? It’s taking place in Barcelona from Thursday 4 to Saturday 6 September. There’s a welcome reception on the first day, followed by a day of talks and panels looking at how we can improve our cities, retail, hospitality and the world of work – and a fun dinner that night. Then, for the final day, after breakfast, we have organised trips to ateliers, galleries and more, all with special access. There’ll be no lanyards; you’ll be looked after by Monocle staff; and, by the end of the event, you will have met numerous people with ambitious ideas and great perspectives on the world. You can sign up atmonocle.com/eventsor email my colleague – and head of events – Hannah Grundy athg@monocle.com.In 2023 we organised another one of our talk series, The Weekender, in Asheville, North Carolina. We had a great few days exploring the city as we met chefs, campaigners and ceramicists, and we had a pop-up shop at Citizen Vinyl. Being in this lush outpost in the Blue Ridge Mountains was a special experience. It’s why last September’s news that whole parts of the city had been washed away in the floods that followed Hurricane Helene really hit home at Monocle. For this issue, Alexis Self visited the city to see how it has responded and how the determination of people to rebuild has come to the fore, even as huge challenges remain. Perhaps that’s something else we should evaluate when creating our city survey: the ability of a community to come together, to find common purpose.This being summer – in the northern hemisphere, at least – we have also ensured that this issue has plenty of moments of pure joy. We have dedicated our Expo to 21 things to make your summer pop (from the perfect sliders to the best outdoor cinema) and, in our culture pages, have compiled a sunny checklist of music, books and films to entertain you on your poolside lounger.And there’s one final story, also in culture, that’s important to highlight: our report on kiosks. Magazines such as Monocle only thrive in cities that care about having an informed and entertained citizenry. It’s painful to watch as city halls hand the licences for their kiosks to people who just want to use them to sell soft drinks. The reason why kiosks fail is that they don’t have inspirational owners. If you don’t believe me, meet the people who keep their city’s kiosks thriving. We need these media stars.Finally, thank you for reading Monocle – whether purchased from a newsstand or as a subscriber (well, you do get a discount on your conference ticket). As always, feel free to drop me an email –at@monocle.com– with ideas, feedback or just your Barcelona confirmation.

Travel 2025-12-29 05:13:13

A roadtrip through the Peloponnese: Greece’s rugged, scenic heartland

With its four “fingers” stretching out into the Aegean, the Peloponnese is a defining part of Greece’s geography: its hand-like shape helps to make the country’s outline immediately recognisable on a map. Yet its shores have long been under-explored by those international visitors who, after landing in Athens, hop straight onto a ferry bound for one of the country’s islands. Perhaps unsurprisingly, this largely unspoilt area has instead served as the setting of many a Greek childhood summer – and, in recent years, it has been luring back nostalgic domestic entrepreneurs seeking to give it a well-deserved update.The Mple Kanarini restaurant in KalamataThe drive from Athens to Corinth, which sits on one side of the isthmus dividing the mainland from this sizeable peninsula, is only an hour long. But the scenery soon becomes more rural and the roads wilder. Most will know this territory as the home of Sparta, the much mythologised rival to Athens in antiquity. But the Peloponnese’s role in Greek history begins long before that, as the seat of the Mycenian civilisation during the last phase of the Bronze Age. Many cities that signify Greekness abroad can be found here, including Olympia, the birthplace of world’s most renowned sporting event, and Kalamata, known for its olives.Fresh catch at Porto HeliDining at the Kinsterna Hotel in MonemvasiaWhile many who head to the Cyclades relish the chance to avoid driving on holiday, the Peloponnese rewards an old-school roadtrip approach. You’ll have to get behind the wheel to reach some of the remote villages and thick pine forests, which later descend into semi-deserted coves.Outside the Patrick Leigh Fermor HouseView from Lela’s Taverna in KardamiliThe region is a combination of starkly different terrains. You can start your day in the mountainous wilderness of Arcadia and soon be scattering your towel on the pebbly shores of the Argolic Gulf. The Mani peninsula, the Peloponnese’s middle finger, is said to have the area’s most spectacularly crystalline waters. Though grand hotels clinging on to steep hills can make for dramatic accommodation options, this is a place of rustic guesthouses, where the sun filters through olive groves and afternoons are soundtracked by the hypnotic buzz of cicadas. Lunches at old-school tavernas are practically mandatory, though many ambitious chefs are rethinking the region’s traditional fare. Here is our pick of the essential stop-offs to explore.Room at the Opora hotelKonstantinos Markidis, owner of the Opora Country Living hotelStay: Kinsterna Hotel, MonemvasiaThis hotel near the town of Monemvasia is housed in a 17th-century mansion that looks out to the Aegean. The surrounding farm, vineyard and olive groves supply the kitchen with oil, wine and fresh produce.kinsternahotel.grStay: Opora Country Living, NafplioOwner Konstantinos Markidis decided to renovate his family’s traditional stone farmhouse in 2015. Tucked away in the hills, this guesthouse has a handful of self-contained rooms, as well as a delightful pool.oporacountryliving.comStay: Amanzoe, Porto HeliHigh up on a hill on the Argolis peninsula, this Aman property is designed with Hellenic simplicity in mind. Made up of marble-clad villas and column-lined, Parthenon-like pavilions, it nods aesthetically to the Acropolis and its temples.aman.comStay: Laspi, PefkaliA brutalist-inspired construction made up of two villas on a hillside on the northern Peloponnese coastline. Inside, the raw concrete is balanced out by warm interiors.laspi.lifeEat: Mple Kanarini, KalamataAfter a stint working abroad, chef Konstantinos Vasiliadis returned to his hometown of Kalamata to celebrate the bounty of the southern Peloponnese. Signature dishes, such as stuffed courgette flowers in tomato sauce, reimagine traditional staples.Kritis 34, KalamataEat: Lela’s Taverna, KardamiliGiorgos Giannakeas has been running this restaurant alongside his brother since taking over from their mother, Lela, who established it in 1983. The menu now offers more contemporary options but the taverna’s spirit of easy hospitality has not changed.lelastaverna.comSpa: Euphoria Retreat, MystrasThe region’s celebrated Byzantine churches provided inspiration for the centrepiece of this spa resort: a cave-like thermal pool painted in shades of blue and green.euphoriaretreat.comGetting here: Though the cities of Kalamata and Patras have airports, Athens is far better connected. The drive from Attica can become part of a well-planned roadtrip.

Travel 2025-12-10 15:51:16

Three new must-visit luxury openings in São Paulo, Kurashiki and Paris

1.Pulso HotelSão PauloBar at PulsoSão Paulo, Brazil’s most sprawling metropolis, is the heartbeat of the nation – which is why Otávio Suriani decided to name his latest hotel in the city Pulso. “It’s a word that’s linked to music and movement, both things that we want to bring to the hotel,” he says. Designed by architect Arthur Casas, Pulso sits on the border between the Faria Lima financial district and the buzzy Pinheiros district. It offers 52 apartments and five suites, all dressed in elegant neutral tones. “Casas designed the entire complex, from the façade to the small details on the lamps,” says Suriani.Pulso pays tribute to two of the city’s biggest strengths: nightlife and food. Chef Charlô Whately oversees the hotel’s Restaurante Charlô and Boulangerie Cha Cha, the latter of which is part bakery, part deli. “This is a city that never sleeps,” says Suriani. “Our nightlife is crazy.” You can experience it for yourself at Pulso’s Bar Sarau, which is always ready to welcome those craving a nightcap and some intoxicating bossa nova.pulsohotel.com2.YoruyaKurashikiCentury-old exteriorsThe city of Kurashiki in western Japan has long attracted enthusiasts of folk arts and crafts – it’s home to the Kurashiki Mingeikan, a museum dedicated to the subject – but it also has plenty to offer for those with more contemporary tastes. Fans of modernism will want to visit the Kurashiki City Art Museum, designed by Kenzo Tange, one of Japan’s great postwar architects. Day trippers, meanwhile, come to see the old buildings and tree-lined waterways. Until recently, however, anyone wanting to stay overnight would have struggled to find accommodation to match the surroundings. Now they have somewhere that fits the bill: Yoruya, a 13-room inn in a sensitively converted and extended former kimono merchant’s residence.The century-old building’s original exterior has been retained, with a simple lantern above the door. Inside, the layout has been designed to mimic the traditional narrow streets known ashiyasaithat are a distinctive feature of Kurashiki’s historic centre. Tokyo-based studio Simplicity has brought its signature modern craft style to the interiors – think white plastered walls, well-chosen Japanese prints and art books. The rooms couldn’t be more serene, with low mattresses, cotton pyjamas and baths that are open to the elements.Minimalist interiors by Simplicity studioThe operations team, Naru Developments, is led by hoteliers Yuta Oka and Fumitomo Hayase. They’ll be familiar to anyone who has stayed at Tokyo’s Hotel K5 or Onomichi’s Azumi Setoda. Dinner in Yoruya’s counter restaurant centres on local produce: chef Fumio Niimi prepares anomakasedinner that features such delicacies as clam cooked in a whole yuzu fruit and Okayama Nagi beef. Yoruya’s invitingly low-lit bar is open to non-residents; it’s well worth stopping in for a glass of wine or a local saké. Breakfast, best taken in the garden with its flowering crepe myrtle tree, is another treat. Expect fresh sesame tofu, grilledmamakarisardines (a regional speciality) and the chef’s homemade Japanese grape jelly. It’s a perfect start to the day before you hit Kurashiki’s streets to explore the city’s many cultural and historic delights.yoruya-kurashiki.com3.Hôtel DalilaParisStroll through Montmartre and you’re almost certain to spot a few flowers hanging from residents’ balconies. The recently opened Hôtel Dalila in Paris’s 18th arrondissement is fittingly floral. Its 49 rooms, breakfast area and workspaces were conceived by Bordeaux-based Giovanna de Bosredon (pictured) of Auguri Studio, who designed the seven-floor hotel to resemble a comfortably lived-in Paris apartment.“Our work here was a combination of architecture, interior design and curating vintage pieces,” says De Bosredon. “Inside the hotel, the chequered tiles and caning are in Montmartre’s colour palettes: the green of its squares, the red of the wine and the orange of the famous Lapin-Agile cabaret.” Among the vintage pieces are a bistro bar made from zinc and metal lamps by French architect and designer Charlotte Perriand.This mishmash of old-school elements is complemented by more modern Hay sconces, bold carpet colours and metal furniture that echoes the seats found in public parks. The finishing touch? A view of the Basilique du Sacré Coeur. Hôtel Dalila is a true neighbourhood gem. Bravo!hoteldalila.com

Personal Finance 2025-12-08 02:22:45

Current ARM mortgage rates report for Oct. 29, 2025

If you’re the type of homebuyer who is willing to deal with a little uncertainty in exchange for the possibility of getting a low rate, an adjustable-rate mortgage might be right for you. These can be particularly good options for homebuyers planning to rent out or flip an investment property, or who know they intend to move before the loan’s introductory fixed-rate period ends.Read on and we’ll break down how ARMs work, consider when they might be worth considering over the far more common fixed-rate home loan, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of October 28, 2025. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.500%5.750%6.000%APR6.460%6.524%6.673%Interest RateBank of America 7/6 ARM5.500%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM6.000%APRBank of America 7/6 ARM6.460%U.S. Bank 7/6 ARM6.524%Zillow Home Loans 7/6 ARM6.673%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans account for about 92% of all mortgages in U.S. households. Unlike ARMs—where interest rates can increase or decrease after an initial fixed period—a fixed-rate mortgage guarantees the same rate for the entire loan term. This consistency gives them an obvious appeal.However, there are situations where ARMs might be worth considering. Roughly 8% of borrowers choose these loans because they see unique advantages.When you might consider an adjustable-rate mortgageThree types of buyers often find ARMs beneficial:Starter home buyers:If you plan to move within a few years, an ARM may let you capitalize on a low initial rate without having to worry about future adjustments, as you intend to sell the home before the fixed period ends.Investors:Real estate investors who intend to flip a house or rent it out may use ARMs to minimize upfront costs, then sell the property or adjust the rent amount when rates change.Buyers facing high-interest markets:During periods of elevated interest rates, ARMs might offer lower upfront costs and may even provide relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically feature a low fixed interest rate for a predetermined period—such as three, five, seven, or 10 years—followed by periods of adjustment. Factors affecting ARM rates during the adjustments include:Benchmark indices:ARM rates are often tied to benchmarks like the SOFR. The U.S. Treasury publishes an updated SOFR each day, reflecting the overnight costs faced by banks for borrowing cash. Margins:Lenders add margins (fixed percentages) to benchmarks when calculating your ARM’s final rate. These can often range from 2% to 3.5%.Caps:Rate caps limit increases during specific intervals or throughout the loan term (e.g., initial adjustment caps, subsequent caps).In most instances ARMs will be 30-year loans. Popular ARM structures include 5/1 and 10/6—meaning a fixed rate for five years and then annual adjustments, and a fixed rate for 10 years and adjustment periods every six months, respectively. There are also 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageIf your plans change, you can likely decide to refinance into a fixed-rate mortgage. For instance, say you decide to stay in your home longer than you initially thought you would.You’re not alone if that’s the situation you find yourself in, as many Millennial and Gen Z homeowners can’t afford to upgrade and are getting by with their starter homes.Much like refinancing from one fixed-rate loan to another (which is often done to obtain a better rate or to tap equity) refinancing from an ARM to a fixed-rate loan involves shopping around with lenders, providing documentation to show you meet their requirements, and paying off your existing mortgage.Pros and cons of adjustable-rate mortgagesARMs come with positives and negatives you should weigh before applying for this type of mortgage. And, working with a trusted loan officer can help you determine if this is really the right loan type for you. Here are some basics to consider. N/AProsChance for a lower rate at first.During the fixed introductory period, you may find an ARM offers you a lower rate than you could get on a fixed-rate mortgage.Potential for easier qualification.Some borrowers may find they’re more likely to qualify for an adjustable-rate mortgage than for a fixed-rate loan. Possible savings down the road.This is not guaranteed, but if market rates decrease during adjustment periods, your monthly payment might go down accordingly.ConsPossibility for payments to rise.Remember, adjustment periods are dependent on what’s happening with the market. Just like there’s a chance for your rate and thus your monthly payment to go down, the converse could happen.Hard to comparison shop.Complex terms can make comparison shopping for a good rate on an ARM more difficult than with common fixed-rate mortgage types. Less predictability.Once you take out a fixed-rate mortgage, you’re locked into that rate as long as you have the loan. This can give you a little more stability in terms of monthly payment (though you may still face changes to things like homeowners insurance or your HOA dues). With ARMs, you need a certain level of risk tolerance.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-26 14:11:21

Rescue buyer sought for Tyneside tech firm Zytronic as restructuring specialists appointed

Bosses at touch screen technology maker Zytronic are looking for a buyer to protect jobs, but have not ruled out the possibility of closing entirely. The Blaydon-based maker of products for the international gaming and vending markets has appointed restructuring specialists FRP Advisory having concluded a consultation about its future. It told investors on the London Stock Exchange that it will now seek a sale of the business, or a wind down of its assets leading to a solvent liquidation. Zytronic employs about 110 people at its Tyneside facility which had supplied touch-screens for a broad range of uses - from electric vehicle charging stations to casino slot machines. The firm has repeatedly warned of lacklustre trading in recent years and recently said efforts to turn around the position had "not delivered meaningful results”. In its latest update to the market, the firm said the decision to either sell or wind up the business had been "reinforced by continuing weakness in trading conditions with no material uplift in order intake". Last month, and in a bid to reduce costs, Zytronic had indicated it could de-list from the AIM stock market where its shares have been traded since 2000. The firm's share price has fallen considerably over the last two years. Most recent unaudited full year results show revenues fell from £8.6m to £7.2m in the year to the end of September - a marked disappointment for the company which had expected to see a 22% increase in revenues in the second half of the year but came to the conclusion it was unlikely to see a recovery in the short to medium term. Bosses said FRP will now run a process to maximise returns for shareholders, which might involve a sale of the group's main trading company - Zytronic Displays Ltd - as a continuing business or a sale of its underlying trade, intellectual property and assets. As part of the process, an "outcome report" will be prepared to provide an estimate of returns to shareholders. Zytronic said: "As highlighted in the Strategic Review Announcement, there can be no guarantee as to returns that may be available at this stage. A further announcement will be made in due course." Christopher Potts, chair of Zytronic said: "This decision has not been taken lightly. Whilst the board had confidence in the opportunity presented by the transformation plan, we collectively felt duty bound to present it alongside the different options available to shareholders at this important juncture for the company. Our focus will now be on ensuring a suitable buyer is found for ZDL to protect jobs in this important business based in the North of England and interested parties should contact FRP Advisory."

Travel 2025-12-04 17:45:47

Behind the scenes at Salone del Mobile’s unofficial watering hole: Bar Basso

In its decades-long reign as the Salone del Mobile’s unofficial watering hole, Bar Basso has been where the design world gets drunk. Opened in 1933, it has been managed since 1967 by the Stocchetto family, who introduced Milan to cocktail hour. Its owner, Maurizio Stocchetto, can often be found at the bar, cheerfully recounting the area’s history. Bar Basso is a neighbourhood institution but, for a week in April, it also becomes the go-to social hub for an international set of designers. Here’s how this bar on Via Plinio became Milan’s centre of gravity during Design Week.1960s:Bar Basso passed from its founder, Giuseppe Basso, to bartenders Mirko Stocchetto and Renato Hausammann in 1967. Originally from Venice, the duo had cut their teeth behind the bar of Hotel de la Poste in Cortina and were intent on introducing cocktail culture to Milan.1970s:The bar has always adhered to old-school bartending methods: drinks are measured out by eye. While mixing a negroni in the late 1970s, Mirko poured in prosecco instead of gin. Thus the negroni sbagliato (“wrong negroni”) was born. Mirko also designed a supersized goblet for the cocktail, the 33cm-tallbicchierone. It was later licensed for production by Germany’s WMF.1990s:When Jasper Morrison and James Irvine started designing furniture for Cappellini, the two designers often stayed at Irvine’s flat in Milan and drove to and from the factory in Brianza. “On the way there, we would stop for coffee at Bar Basso; on the way back, we’d stop for an aperitivo,” says Morrison. They befriended Mirko’s son Maurizio, who allowed them to organise parties there during Salone. When Bar Basso acquired a late licence, these became open to everyone. A turning point was when the friends started issuing drink tokens as invitations. “They were popular as you could hand them over to the barman without having to queue to pay,” says Morrison.Bar Basso2010s:In partnership withToiletpapermagazine, artist Maurizio Cattelan threw a party at an unglamorous, Chinese-owned bar across the roundabout from Bar Basso, dubbing it Lo Sbagliato. Today it’s known as Caffé degli Artisti but Cattelan’s art works are still above the bar. Bar Basso, meanwhile, received a touch-up in 2016 by Valentina Ciuffi, who had just started her creative agency Studio Vedèt (and now runs Milan Design Week showcase Alcova). “I lived down the street and frequented the bar, and I had the idea that I’d make a website for it,” says Ciuffi. “Maurizio was sceptical of anything digital. It took one, two, maybe three aperitivos for him to agree.” Onbarbasso.com, Studio Vedèt has organised exhibitions dedicated to the venue’s regulars, cocktails, staff and eclectic signage.2020s:The unofficial house bar of the Salone del Mobile has now become a brand in itself, hosting Design Week events. In 2022, Bar Basso teamed up with Berlin-based lifestyle brand Highsnobiety on a line of merchandise and the bar has even had a pop-up in Berlin. Bar Basso itself, however, remains happily frozen in time, with its walnut panelling and chandeliers unchanged since the 1960s. “It makes you reflect on our profession,” says regular Marcel Wanders. “Designers talk about changing everything but, at the end of the day, we want to sit down at a place that hasn’t changed in 80 years.”

Personal Finance 2025-11-30 23:06:06

Current ARM mortgage rates report for Nov. 6, 2025

Homeowners with some tolerance for uncertainty might find that an adjustable-rate mortgage is worth considering as a way to get a low introductory rate before the adjustments kick in. This loan type can be a particularly good choice if you’re aiming to rent out for flip the property, or when you know you intend to move before the loan’s fixed-rate period ends.Keep reading and we’ll explain how ARMs work, consider when an ARM is worth considering as an alternative to a fixed-rate mortgage, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of Nov. 5. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.572%6.648%6.739%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.572%U.S. Bank 7/6 ARM6.648%Zillow Home Loans 7/6 ARM6.739%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate mortgages dominate U.S. households, comprising about 92% of all home loans. Unlike adjustable-rate mortgages (ARMs), which allow interest rates to change after an initial period, fixed-rate loans offer consistency throughout their term—which likely explains their popularity.That said, ARMs can be advantageous under specific circumstances. Around 8% of borrowers choose them for their unique benefits.When you might consider an adjustable-rate mortgageThree groups of homebuyers can commonly benefit from considering ARMs:Homeowners who intend to move soon:If you’re confident you’ll be moving in a few years, perhaps because this is a starter home, an ARM may let you enjoy a low introductory rate without worrying about future adjustments.Real estate investors:Landlords buying a property to rent out or house flippers intending to sell a property quickly may use ARMs with the intent of adjusting the monthly rent if interest rates increase or selling before the adjustment period kicks in.Buyers in high-interest environments:During times of elevated interest rates, ARMs can sometimes offer lower rates during the introductory period, and the potential for relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs begin with an introductory fixed rate that often lasts three, five, seven, or 10 years before the loan transitions into its adjustment periods. How much your rate changes during an adjustment period can depend on a variety of factors, including:Benchmarks like SOFR:An ARM’s rate is typically tied to a benchmark, commonly SOFR. This particular benchmark reflects the cost for banks to borrow money overnight. The U.S. Treasury publishes an updated each morning. Margins:Fixed margins are added by lenders on top of the benchmark to determine your ARM rate. These can often range between 2% to 3.5%.Caps:Adjustment caps limit how much rates can increase at specific intervals or over time. You may hear about initial adjustment caps, subsequent caps, and lifetime caps.Common ARM formats include 5/1 (an introductory rate that lasts for five years followed by annual adjustments) and 10/6 (a 10-year intro period followed by adjustments every six months) structures. Other structures on the market include 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageLife happens. Plans change. If it turns out you’re going to be in your starter home longer than expected, and you initially took out an ARM, you might opt to refinance to a fixed-rate loan.First, know you’re not alone. A large chunk of Millennial and Gen Z homeowners can’t afford to upgrade and are continuing on in their starter homesTo refinance from an ARM to a fixed-rate mortgage, the process is more or less the same as refinancing from one fixed-rate loan to another. You’ll shop around with various lenders, provide the application documents necessary to show your credit profile and income meet the lender’s requirements, and you’ll use the new loan to pay your old one off in full. Pros and cons of adjustable-rate mortgagesWork with a trusted loan officer to ensure you’re selecting the best mortgage type for your needs. To get you started, here are some basic factors to consider in evaluating if an ARM is right for you.N/AProsPossibly lower initial rate compared with fixed-rate loans.Potentially easier qualification standards for some borrowers. Chance to save if market conditions improve and rates go down.ConsPayments could spike after adjustments begin.Comparing offers is more complex than with common fixed-rate loans.Homeowners face more unpredictability than with a fixed-rate loan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-24 01:39:43

Vodafone sees revenue growth and completes share buyback amidst market challenges

Vodafone, the FTSE 100 telecoms behemoth, has announced a surge in operating profit today, maintaining its financial forecast for the year following a series of asset sales. The firm informed the market this morning that revenue for the first half of its fiscal year had increased by 1.6 per cent to €18.3bn (£15.2bn), with growth in service revenue partially offset by unfavourable foreign exchange movements, as reported by City AM. Overall, service revenue rose by 1.7 per cent to €15.1bn on a reported basis and 4.8 per cent organically. Vodafone's German division saw the most significant slowdown, with revenue falling 6.1 per cent in the second fiscal quarter. Meanwhile, revenue at Vodafone's business arm grew four per cent in the second quarter, while organic growth at its African business reached 9.7 per cent. The FTSE 100 company reported an overall operating profit of €2.4bn in the first half, up 28.3 per cent, primarily due to a €0.7bn gain from the sale of an 18 per cent stake in Indus Towers. Adjusted earnings before interest, tax, depreciation, amortisation and adjusted lease liabilities (EBITDAaL) on an organic basis rose by 3.8 per cent to €5.4bn. The company attributed this growth to service revenue growth and reduced energy costs in Europe. Vodafone reaffirmed its full-year guidance for adjusted EBITDAaL of €11bn and adjusted free cash flow of at least €2.4bn. The telecommunications behemoth announced the near completion of its second €500 million share buyback programme, having repurchased 1.2 billion shares for a total cost of €1 billion by 11 November 2024. Vodafone's CEO Margherita Della Valle remarked: "We continue to make good progress on our strategy to change Vodafone. The approval processes for our transactions in the UK and Italy are nearing conclusion. These will complete our programme to reshape the group for growth. We are also investing in Germany to strengthen our market position and taking steps to expand our B2B capabilities." Della Valle added, "As we move through this year of transition, our results in the first half have been consistent with our expectations and we are reiterating our full year guidance. We grew service revenue by 4.8 per cent and adjusted EBITDAaL by 3.8 per cent. We delivered good performances across our markets, with the exception of Germany, where we have been impacted as expected by the TV law change." She concluded with confidence, "I am confident that the actions we are taking will deliver growth for Vodafone this year and a further acceleration into FY26." In a difficult environment where competition is fierce, Richard Hunter, Head of Markets at interactive investor, has acknowledged Vodafone's initiatives towards asset disposals and cost reduction, but notes the company has significant strides to make to assure the market of its recovery trajectory. Richard Hunter commented: "For Vodafone, years of underperformance are being addressed, with a major transformation of its business well underway. Even so, turning around a super tanker is never an easy task, especially when the company is in the midst of a highly competitive arena." He further noted: "There is little to catch the eye of the bulls in this release, with the end game still some way off, and the share price has reacted accordingly. The decline adds to a drop of 4 per cent over the last year, which compares to a gain of 10.4 per cent for the wider FTSE100 and the not so steady decline the shares are down by 70 per cent over the last ten years and by 54 per cent in the last five leaves the price languishing at multi-decade lows."

Travel 2025-12-10 09:55:18

Interview: Le Bristol’s managing director on the secrets to keeping a luxury hotel relevant (and booked) for 100 years

Tucked behind a red velvet rope in an inky side room off the main lobby, Le Bristol After Dark is delightfully unexpected – as if stumbling into a secret speakeasy in a palace. The nightclub stands in stark contrast to the famed 100-year-old hotel entrance – a grand space with ornate chandeliers, plush fringed couches and a painting of Marie Antoinette. In comparison, the club is lit with pink-and-purple neon lights, disco balls shining overhead. Partygoers sip Ruinart champagne and DJs spin disco and lounge tracks until the early hours of the morning. The perfect balance of tradition and trend is what allows Le Bristol to maintain its reputation as one of Paris’s most legendary hotels. Set in an historic building and a hop away from Parisian icons such as Palais Garnier and the Tuileries Garden, the iconic property has hosted everyone from Coco Chanel to Elsa Schiaparelli and Salvador Dalí. Now celebrating its centennial, Monocle meets president and managing director Luca Allegri to discuss how the hotel maintains its relevance in an ever-evolving hospitality landscape. Head in the game: Luca Allegri100 years of business is no easy feat. How do you stay timeless in a world that’s moving so quickly? We try to surprise our guests with new ideas – art, for example. [American contemporary artist] George Condo, a longtime guest, collaborated with us on the renovation of the Imperial Suite. We asked whether he could leave a small piece of art with us when the suite was ready. We have also hosted a pop-up with Gabriela Hearst, who has been staying with us since she was at Chloé. When she launched her own brand [10 years ago], we began a partnership with a retail installation. [Now, a decade later, another pop-up has been launched in a space created by Benji Gavron and Antoine Dumas of Gavron Dumas Studio.] There are some clients who only come to the hotel for Le Bristol After Dark. [The club] is a way for us to show that, while we have been around for a century, we are also contemporary. How do you maintain a strong heritage aesthetic while always offering something new?The owners are heavily involved in decorating the hotel, which allows them to preserve its DNA while bringing some novel elements to the style. We are very privileged to have plenty of space, which has enabled us to increase the number of junior suites and bathrooms (two per suite). After speaking to our clients, we learned that this was what they wanted the most.Out in front: Le Bristol’s façadeOff the wall: The hotel’s lobby(Image: Claire Cocano)Window of opportunity: Striped awnings offer shadeWhat kind of experience do you want to create for your guests?A distinctly Parisian one. We are located in the heart of a neighbourhood with the most popular galleries and attractions in Paris, so we also attract the city’s residents with our food-and-beverage offerings. We have launched our own in-house bakery with a mill in the basement, where we produce our own flour for bread. We now have a chocolate factory, pasta-making facilities and a cellar too, [which is] likely the largest wine cellar of all the Parisian palace hotels. It’s about giving guests a unique experience with a level of personalisation that they won’t find elsewhere.We want to give our visitors an incredible experience not only in Paris but throughout the rest of France as well. I’m the son of a concierge, so I understand firsthand how crucial this role can be. Interacting with clients and creating meaningful moments are the most important aspects of our jobs. On Wednesday afternoons, we host cocktail parties where we invite some of our frequent guests to meet different team members, such as the concierge, the guest relations or the rooms divisions [managers]. They mingle and meet other clients too – sometimes they even become friends. How are you managing your staff and their experiences in a way that might differ to other notable hotels? Leading by example is very important. We have members of staff that have been with us for 30 to 40 years. When employees reach a milestone – such as 20 or 30 years of service – we invite them to celebrate by bringing their family to the hotel or organising a party. We’re a family-run business, so we like to give [the staff] a sense of belonging and community. Le Bristol is not just a hotel or home for the owners – it’s also a home for the staff. How have you adapted to changes in guest preferences to ensure the hotel’s continued relevance?Some 30 to 35 per cent of our clients are returning guests and we want to show them that their future stays are as important as their past stays. For example, we have a family from New York that has been staying in the same suite for the past 25 years. To show them how much we appreciate their loyalty, we approached them during the renovation of the suite to share the plans with them. We then designed the layout of the room together and they changed the placement of the bed. For us, adapting is a way of honouring such loyalty.

Travel 2025-12-03 05:53:37

Everything you need to know about visiting the Albanian Riviera

It began as a whisper, an intriguing proposition. As interest surged, it grew to a chorus chanted from London to Los Angeles: “Visit Albania!” “It’s like the Cayman Islands but in Europe!” “It’s like Greece but half the price!” “The waters are as blue and warm as the Caribbean Sea itself!” The Balkan nation is now, according to the chatter, the place to go to enjoy a sun-drenched, beachside European getaway with an aura of post-communist exoticism. To verify these claims, Monocle set out for the 120km-long southern stretch of coastline dubbed the Albanian Riviera (no doubt by a marketing-savvy clerk at the National Tourism Agency with a penchant for chic suffixes).One of the easiest ways to access the southern tip of Albania is to board a ferry from Corfu or the Puglian city of Bari and cross the sea to Sarandë, a port town with pizzerias, cocktail bars and gelaterias that line its tidy promenade. Here, vendors in canopied stalls hawk carved wooden goods and football shirts to passers-by. The mountains that cradle the bay heave with hotels and apartment blocks featuring sea-facing balconies. Sarandë’s main draw is its convenience as a launchpad for the rest of the region. Turn right from the port to go south or left to go north. A further 20-minute drive will bring you to a rocky beach with velvety blue waters.Child’s playHaving a ballZoe Hora hotel in DhërmiRoad through the Ceraunian mountainsAs we pick up our rental car, our friendly lessor tells Marco Argüello (Monocle’s Athens-based photographer) that he can pay in full at the end of our visit. “And if you don’t, the police will find you very easily,” he adds with a smile as he waves us off.The south of the riviera, especially the town of Ksamil, has absorbed much of the surge in tourism in recent years. It’s easy to see why. The craggy, arid landscape harbours beaches rendered in oversaturated tones. Jetsetters abound; British-Albanian singer Dua Lipa has often stayed in a villa within the luxurious Kep Merli resort. As we wind our way down the coast, painted wooden signs advertise beach clubs with names like Bora Bora, Puerto Rico, Blue Diamond, Paradise and, more mystifyingly, Greg.By the water, the white drapery of cabanas-for-hire billow and straw umbrellas shade loungers, the pulsating sounds of Europop anthems dominating the airwaves. Fruit sellers rove the pristine beaches with trays of cherries, grapes, figs and fried dough. “I’ve come here to escape the crowds in Italy but still experience something you might find in Puglia or even Greece,” says Giuseppe, an Italian holidaymaker sporting Speedos, a Panama hat and an iridescent sheen of sunscreen. Going by snippets overheard, it seems that most people hail from Giuseppe’s home country. However, there is a fair degree of English, Dutch, German, French, Danish, Russian and Portuguese representation too. On Pulëbardha bay, we meet a British couple in their sixties who say that they have been pleasantly surprised by the beauty of the Albanian coast. Overall, the mood is upbeat. Tanning sessions are interrupted for leisurely lunches of grilled fish, mussels and bottles of Korça, the local beer with labels featuring buxom Balkan women.`Canoodles in KsamilFresh seafood at Pulëbardha bayElena Bardhi, co-founder of MoyoSculptural feature at MoyoConstruction has noticeably surged to meet the infrastructure demands of the Albanian Riviera’s newfound popularity. “Albania is developing a lot,” says Elena Bardhi, co-owner of the Moyo beach club on Drymades beach. “There is new investment coming in and it’s changing year-to-year.” Once a haven for hippies who would spend summers camping there, Drymades now exemplifies the wave of beach clubs and resorts crashing down on these once-virginal seafronts. But Bardhi cites the welcome arrival of the new Llogara tunnel, a government-funded project that opened in July 2024. The former 30-minute journey over the Ceraunian mountain range, travelling from Dukat to Palasë, has been shaved to seven minutes. Albania’s prime minister, Edi Rama, is also pushing for a new airport in Vlorë to improve access to the south. “We need to cherish and protect the land but we’re also trying to put Albania on the map,” says Bardhi. “In five years, everything will be closer to being finished.”Since founding Moyo in 2022 with her husband Julian Zguro – the chef behind popular Tirana restaurant Tribe – Bardhi has overseen the beach club, which includes two restaurants, a yoga studio, a spa and a shop that stocks clothes and jewellery made by local artisans. She also organises events throughout the summer every year to attract lively crowds. But while Bardhi is eager to expand Moyo’s reach by hosting international DJs, she is conscious of safekeeping Albanian culture too; line-ups are spliced with local iso-polyphony singing (the Unesco-protected style of folk music). “We implement an Albanian vibe because we’re here, on this beautiful sea with the mountains directly behind us,” she says. “It’s magical.”It’s true. For those not in a rush, taking the scenic route through the mountains is a rewarding experience. Olive groves mingle with sprays of lavender, sage and bougainvillea. The occasional mushroom-shaped concrete bunker is a reminder of Albania’s Stalinist leader Enver Hoxha’s rule from 1944 to 1985: paranoid about an invasion, he commissioned the construction of more than 750,000 of these bunkers that, ultimately, were never used. Today, herds of brown horses and their foals graze past them. Roadside vendors sell dried sage and rose petals, fresh plums, fig jam, honey and olive oil in repurposed plastic bottles and jars – often displayed on chintzy floral blankets. In the mountains, the sound of cicadas is constant when it’s not being drowned out by the intoxicating riffs of Balkan pop coming from the car radio.The south of the country still struggles with the rural exodus that took place in the wake of Hoxha’s rule. (The Albanian diaspora is estimated to be about 1.2 million people; the national population is currently 2.4 million.) But the emergence of the coastline as a tourism destination has seen many people of Albanian descent return to the country for a holiday or to find work during the summer season. For example, Moyo’s friendly Albanian shopkeeper Jehona Shabani is usually based in Stockholm. And we meet Noel Çani in Qeparo at his family’s seven-bedroom hotel, Kshira Oasis; he now lives in Rome but returns to Albania every summer to help his parents run the business. “My friends in Italy all say that they want to come to Albania now,” says Çani. “When I was growing up, everyone here wanted to leave because of the economy,” he adds with a perfectly executed Balkan shrug.Leah Whitman-Salkin (second from the left) with her mother, Frankie, and Saturnit friends and co-founders, including Ervjola Selenica and Raphael WolfEven non-Albanians are setting up their own ventures on the riviera. In the laidback seaside town of Himarë, we meet for a final sundowner with Mexico City-based Leah Whitman-Salkin. With her partner, chef Raphael Wolf, and friend Ervjola Selenica, she opened restaurant and bar Plazhi i Saturnit as a summer project. Prior to Mexico, Whitman-Salkin lived and worked for six years as a book editor in Tirana. There, she opened a bookshop, started a feminist reading group and curated the Albanian pavilion at the 2016 Venice Architecture Biennale. “Going to the coast in the summer was a very important part of my life in Albania,” she says over a glass of orange wine. “Being here holds a lot of meaning. We all had this fantasy of bringing people together at a beach bar. We’re a hotchpotch crew but it’s been amazing. We’ve had friends come from Tirana and Pristina but also Mexico.”Wolf is busy in the kitchen preparing today’s menu: fried potatoes with sage foraged that morning, caponata and pink shrimp crudo in plum water. This evening, his sous-chef is Whitman-Salkin’s mother, Frankie. “We work with three different local fishermen to source all of the seafood,” says Whitman-Salkin. “It’s fusion food in the sense that we’re all designing the menu together and we come from different backgrounds. Raphael trained in New York but has also worked in Tokyo and Mexico City.”As we dig in, the sky glows orange and beachgoers begin to pack up their lilos and parasols. It’s true what they say: you should visit Albania. But it’s not Italy, Greece nor anywhere in the Caribbean Sea – and that’s a good thing. It has a charm of its own.Taking flightPost-beach catch-upThe Albanian Riviera address bookStay: Zoe HoraPerched in the hills overlooking the village of Dhërmi, Zoe Hora is an upmarket hotel that offers rooms and villas within its stone-walled premises. Stay here to enjoy breakfast by the pool and an evening aperitivo, while taking in a view of the sea from a roof terrace.zoehora.comEat: Taverna StolisThe Albanian Riviera’s proximity to Greece can be felt in the abundance of tavernas offering fresh fish, grilled vegetables and baked dishes such as moussaka. Our favourite is Taverna Stolis in Himarë, set within the peaceful confines of an olive grove. Make sure to round off the meal with a shot of the homemade raki, brewed in a bottle that also contains a wooden cross.+355 69 283 3993Arjan Stoli, founder of Taverna StolisDrink: Moyo Beach ClubLocated on the far southern end of Drymades beach, Moyo Beach Club attracts a well-heeled crowd. After a day spent catching waves in the Ionian Sea, we recommend settling in here for the evening with a margarita and small plates of lobster ceviche, tuna tartare and bruschetta.moyo.alSee: Zvërnec MonasteryLocated north of the pine-tree forests of Vlorë, on an island in the Narta Lagoon, you will find this 14th-century Byzantine monastery. Inside, the paintings and intricate woodwork are well-preserved examples of Balkan art history. If you’re lucky, you might even see some flamingoes in the lagoon.Shop: Abaia Winery&VineyardAlbania’s wine scene is on the rise, with wineries improving the local stock. Make a pit stop at the Abaia Winery&Vineyard near Durrës to pick up some bottles of Shesh i Bardhë white and some local virgin olive oil to take home.abaiawinery.alSwim: Gjipe beachA brisk 20-minute hike down a red-dirt trail takes you this beach. Located in a secluded bay surrounded by lush greenery, it’s a hidden gem that is well worth the effort to get there.

Travel 2025-12-21 19:37:05

Six spots the Milanese keep quiet about

Milan-based couple Chiara Pino and Riccardo Ganelli left their jobs in fashion to open Bar Nico in 2023 (they were later joined by their friend Nicolò Terraneo). It has since become a hot spot in their home city’s Acquabella neighbourhood, drawing a loyal crowd with its natural wines and Mediterranean small plates. “We’re not doing anything particularly special here,” says Pino when Monocle joins her and her two business partners for lunch. “Milan just didn’t have a natural-wine scene until a couple of years ago.”That might be true but Bar Nico is flawlessly executed. You’ll find the minimalist space, designed by Milanese practice Sagoma Studio, on the ground floor of a modernist apartment block in a former tyre shop (it was a pasta factory before that). The interior is furnished with Thonet’s bistro chairs, a large aluminium counter and wine shelves. “We serve wines from smaller vineyards in France but also bottles from Italy, Austria and Germany,” says Ganelli, who trained as a sommelier and oversees the selection.Bar Nico’s Afghan hound logoPino, Ganelli and Terraneo at Bar NicoWith Bar Nico, Pino, Ganelli and Terraneo are leaning into Milan’s contemporary side. It’s this milieu that the trio introduce to Monocle on a tour of their hometown. As we prepare to set off, the conversation turns to what makes the city tick. “It takes a little effort to fully appreciate Milan because it’s a secretive place,” says Terraneo. Having guides with local knowledge and packed address books full of reliable trattorias and ice-cream shops certainly helps.Here are the Bar Nico team’s favourite places in the city:1.Trattoria del Nuovo MacelloVia Cesare Lombroso 20“This place brings the heritage of Milanese cuisine up to speed,” says Terraneo, who eats lunch at this trattoria as often as he can. “There’s one man who always calls the restaurant to place his order 10 minutes before the kitchen closes so that it’s ready when he arrives.”trattoriadelnuovomacello.itCounter at Trattoria del Nuovo Macello2.Chiesa di Santa Maria AnnunciataVia Neera 24In this church in the south of Milan you’ll find US minimalist artist Dan Flavin’s final installation. He completed its design two days before he died in 1996. Come here for a moment of quiet contemplation.parrocchiachiesarossa.netInside the Chiesa di Santa Maria Annunciata3.PavéVia Cadore 30 and Via Cesare Battisti 21At its two locations in the city, Pavé serves the best artisanal ice cream. Pino’s rates the almond and amarena cherry flavour highly.pavemilano.comScoop of gelato from Pavé4.Massari Giovanni FioristaPiazza Giuseppe Grandi 24Florist Giovanni Massari sells bouquets with dramatic flair. “I love to drop by and catch up with him,” says Pino, who regularly picks up flowers here.+39 02 7012 6975Florist Giovanni Massari in his shop5.Cinema Godard at Fondazione PradaLargo Isarco 2Movie nights don’t get much more chic than this. The programme at Fondazione Prada’s in-house cinema ranges from classics to buzz-worthy new releases.fondazioneprada.orgFondazione Prada6.PeckVia Spadari 9 and Via Tommaso Salvini 3This small deli chain is a Milanese institution. With two locations in the city (and an outpost in Forte dei Marmi on the Tuscan coast), it has been a reliable one-stop shop for the finest cheeses, cold cuts, wines and pasta since it first opened in 1883.peck.itArancini to start

Travel 2025-12-23 20:44:34

Visiting Jakarta? Here’s where to stay, eat and shop

STAY25Hours Hotel The Oddbird, Senayan, Kebayoran BaruA new addition to Jakarta, 25Hours is conveniently housed on top of the Ashta shopping mall. Indonesia’s take on the expanding Hamburg hotel chain is called The Oddbird and embraces every opportunity to be bold and a bit whimsical. Rooms are equipped with Freitag bags and Schindlehauers bikes.25hours-hotels.comFOOD&DRINKModernhaus, Senopati, Kebayoran BaruModernhaus feels more like an architect’s lounge than a cocktail bar. The mid-century-inspired space by Union Group hums with low-lit warmth, an inviting bar and cocktails from mixologist Mirwansyah “Bule”.+62 817-7233-3368Kaum, Menteng, Central JakartaKaum distils Indonesia’s culinary heritage in an unpretentious experience courtesy of the Potato Head Family. Recipes including lamb drizzled in pickled greens, beef slow-cooked in red lado, and rice laced with green stinky beans, are given a polished edge and sit with inventive new ones.kaum.comScarlett’s House Blok M, Melawai, Kebayoran BaruScarlett’s textural riot of sugary delights was the talk of the town during their time in Pantai Indah Kapuk: patrons started queuing at 09.00 for a slice of its poured tiramisu. Their latest in the vibrant Blok M/Melawai sees the patisserie take on another mantle as a bistro-cum-listening bar.+62 812-9272-1601SHOPArchie, Selong, Kebayoran BaruIn the quieter end of Gunawarman, Archie showcases a curated line of tailorings and ready to-wear pieces from names such as Drake’s and made-to-measure clothes from Flannel Bay and Sartoria Melina. Founder Michael Wong regularly hosts trunk shows, with the latest from Japan’s Lecteur (Yuki Igarashi flew in) and Florence’s Leonardo Simoncini (hosted together with Wong’s other venture Soroi in Panglima Polim). The collaboration pieces with Alden are perfect for Jakarta’s unending summer.archiestore.comSarinah, Gondangdia, MentengJakarta’s oldest department store, first envisioned by Soekarno in the 1960s, is now a dynamic cultural and retail space housing everything local (well, almost). Its post-renovation offering spans from heritage-rich batik ateliers to new homegrown brands alongside an extensive selection of local food and beverages (all worth sampling), while the plaza often holds events and performances.sarinah.co.idSEEROH Projects, Menteng, Central JakartaA maverick gallery that took its permanent space in 2022 in a converted mid-century colonial house on Jalan Surabaya. Notable names it represents include Maruto Ardi, Kei Imazu, Bagus Pandega and art collective Tromarama.rohprojects.netMuseum of Modern and Contemporary Art of Nusantara (MACAN), Kebon JerukMuseum MACAN (founded 2017) is the country’s leading institution for modern and contemporary art with a growing international significance. While it offers a window to the world – bringing in heavyweights such as Chiharu Shiota and Yayoi Kusama – it also brings forward local names through major exhibitions.museummacan.org

Travel 2025-12-03 12:14:25

Fiddly New Nordic cuisine is falling out of favour on its home turf

A few years ago I had dinner at a trendy, much-hyped Helsinki restaurant and was served a solitary carrot. It was a steamed carrot, cooked to perfection, but with nothing on the side and no sauce. “This ispeakNew Nordic,” I thought, referring to the food movement that belaboured hyperlocal ingredients and elevated long-forgotten and highly esoteric Nordic staples, from wild herbs and foraged berries to obscure mushrooms. At its best, it was brilliant. But it was often a little pretentious.In hindsight that carrot probablywaspeak New Nordic. So influential was the movement that restaurants from Singapore to New York, which had little to do with the cuisine’s roots, described themselves as New Nordic-influenced. Usually, that meant obscure regional ingredients cooked in an ambitious fine-dining style, where plates were presented like abstract art and chefs had an obsession with tweezers and microherbs. Luckily, it seems that the Nordics are beginning to move on. New Nordic food at the influential Noma restaurant in Copenhagen(Photo: Jason Loucas)The Nordic restaurant scene has undergone a profound transformation in recent years. Most of the popular places that have opened in my native Helsinki, such as Maukku, Jason and Mat Distrikt, are casual bistros with chalkboard menus that serve hearty, down-to-earth food, often inspired by either French, Japanese or Italian cuisines. Gone are the days when top restaurants in Stockholm opted for tasteless Swedish truffles instead of their clearly superior counterparts from Piemonte. The decline of New Nordic cuisine is related to the waning popularity of fine dining. It’s a trend across the Western world that is related to both the downturn in our economies and the move towards a more relaxed working culture. But diners have also started to reject New Nordic’s dogmatic and fussy approach to food. With naming names, I have eaten in Michelin-starred New Nordic restaurants where presenting the menu felt more like a lecture than a treat. When a cuisine becomes a movement, it can sometimes lose sight of the basics. Dining out should be a fun and social experience. People like food for its taste, not for its intellectual or philosophical underpinnings. Nolla restaurant, Helsinki(Photos: Emma Ranne, Riikka Katinkoski)My favourite restaurant in Helsinki, Nolla, is case in point. It’s a relaxed bistro with fun and interesting owners who are full of stories and laughter, and the menu is a wonderful mix of Serbian, Finnish, Portuguese and Catalan flavours. It also happens to be a world pioneer in zero-waste cooking, which isn’t even trumpeted on its menus. Why? Because that’s not why people eat in restaurants. Another Helsinki example is French bistro BasBas. It has been voted the city’s most popular restaurant so many times that you now need to book your table weeks in advance. The restaurant floor contains so much energy that your spirits are lifted as soon as you walk through the doors. The menu isn’t conceptual or stuffed with the names of wild herbs that no one knows. Not all of the food comes from within a radius of five kilometres either – and that’s okay because people still eat here.The New Nordic movement had its place and will have its legacy. It put Scandinavia on the culinary map. Copenhagen’s Noma, the epicentre of the movement, was doubtlessly one of the world’s best restaurants for many years. Yet, for all of Noma’s influence, Nordic diners now crave something different – and their appetites are taking them elsewhere. As for me? I’ll skip the carrots for now, thank you.

Tech 2025-12-28 19:51:06

Global focus on Liverpool's video game sector as industry talks diversity and success

Making the Northern games industry more diverse could help it to more global success – that was the message from one of a series of events this week aimed at growing the thriving video games industry. Liverpool City Region has a long heritage in video games and hosts many companies in the sector today supporting thousands of jobs. But the industry does face skills challenges. Last year, metro mayor Steve Rotheram and the Combined Authority’s Careers Hub launched the GameChangers scheme to promote local talent. On Thursday, Liverpool hosted the Develop North conference to showcase its video games sector to the world. The keynote was delivered by the leadership team from the city's Wushu Studios. On Friday morning, GameChangers Liverpool City Region will hold an event at FACT aimed at tackling what the organisation calls a “skills crisis”, as companies find it hard to hire for technical roles and as educational providers battle to keep up with the sector’s ever-changing technology. GameChangers says the industry must invest in local talent “to grow a local cohort of candidates that are properly equipped for a modern games industry”. On Wednesday, Liverpool Game-Dev Network teamed up with #RaiseTheGame, an industry-wide equality, diversity & inclusion (EDI) project, to host panel debates on the future of the sector – including a discussion about authenticity and diversity in the workplace. The event was organised by Marek Smagala, founder of Liverpool Game Dev Network, and Dominic Shaw, who facilitates and runs the #RaiseTheFame initiatives with Ukie. Alison Lacy, co-chair of Liverpool GameChangers, said some in the games industry historically felt they should focus on money or art rather than thinking about diversity. But she said that making an effort to reach diverse audiences would bring those rewards, by ensuring that games could reach far wider global audiences. She said: “Diversity will bring lots of money. And it will bring fantastic art. That’s the great thing about it.” Alison also talked about how industry leaders should avoid the temptation to hire people just like them – “don’t ask personal questions to find people who share the same hobbies as you". Louise Andrew, head of art at d3t Ltd added that different people bring different strengths – and said successful companies could “celebrate differences” in their workforce while allowing people to be themselves at work. Chloe Sinclair, engagement manager at Climax Studios and a specialist in equality, diversity & inclusivity (EDI) initiatives, said the industry needed to continue to “build up voices that aren’t at the table.” One area where she said companies could be more accessible is in recruitment – for example being clear about definitions of “remote” work The event also talked about the importance of authenticity in the workplace, and about being honest leaders to help ensure staff could reach their full potential. Both Chloe and Liz Prince, business manager at games recruitment specialists Amiqus, and said leaders should lean into their strengths, acknowledge where they need to develop their skills, and and hire people to fill those gaps. Liz said a happy team “will benefit you commercially, enormously”. Another panel session at the event focused on the indie gaming experience in the North West – discussing issues including fundraising. It was hosted by Hannah Wright from Recruitment Heroes with panellists including Jonathan Holmes, CEO and founder at Milky Tea Studios and Alex Moretti, CEO at Fallen Planet Studios.

Personal Finance 2025-12-18 18:08:47

Current price of silver as of Monday, November 10, 2025

At 8:15 a.m. Eastern Time on November 10, 2025, silver was valued at $50.09 per ounce. That’s a $1.39 uptick from the same time on Friday and more than a $19 gain over the past year. Silver price per ounce% ChangePrice of silver yesterday$48.70+2.85%Price of silver 1 month ago$49.39+1.41%Price of silver 1 year ago$30.68+63.26%Price of silver yesterdaySilver price per ounce$48.70% Change+2.85%Price of silver 1 month agoSilver price per ounce$49.39% Change+1.41%Price of silver 1 year agoSilver price per ounce$30.68% Change+63.26%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.What does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance.  The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade.  The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on November 10, 2025Precious metal Price per ounceGold$4,104.09Silver$50.09Platinum$1,584.30Palladium$1,439.02GoldPrice per ounce$4,104.09SilverPrice per ounce$50.09PlatinumPrice per ounce$1,584.30PalladiumPrice per ounce$1,439.02Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-07 23:12:54

The Monocle Concierge’s guide to Bangkok’s hidden treasures

Click here to enjoy Monocle’s complete city guide to Bangkok

Tech 2025-12-17 04:41:21

Tyneside tech firm ITC Service on acquisition trail following £7m investment deal

A Tyneside technology firm is embarking on the acquisition trail after sealing a £7m investment to fuel its growth. ITC Service, an IT managed service provider based in Hebburn, South Tyneside, was founded in 2016 by Christopher Potts and Peter Anderson and over the years it has grown to deliver outsourced IT services to more than 400 SMEs across the North East. The company is seeing growing demand for its services, which include managed IT support, cyber security, Microsoft 365 cloud services, voice, communication, consulting and digital transformation. Now ITC has secured the seven-figure sum from growth capital investor BGF in a deal which will allow it to continue to scale through a combination of organic growth and acquisitions, including complementary companies in neighbouring regions. Mr Potts, founder and director, said: “Over the last 18 years, we have built a highly successful, respected business that has developed a strong and valued client base. With the ongoing support of my co-founder Peter, I am excited to lead ITC forward, to continue to grow and support our region, to help more local businesses achieve their goals and complete a carefully executed M&A strategy. “In order to fulfil this potential, we need an investment partner that is willing to take a long-term approach to support our growth ambitions. With an excellent track record of backing exciting and dynamic businesses in the North East, we are confident BGF is the right choice and we’re delighted to have the team onboard.” The deal was led by John Healey and Christian Pollard, investors in BGF’s Newcastle team. As part of the investment, Lee Shorten will join the board as non-executive chair. BGF investor Mr Healey added: “ITC is a real success story in the North East, where it has a long-established track record of delivering exceptional client outcomes. With an appetite to accelerate growth, through a leading service offering combined with a client focused approach, ITC is well positioned to expand its footprint in the regional market.” BGF, which has funding from a number of the UK’s largest banks, was set up in 2011 and has invested £4bn in more than 600 companies. It describes itself as the most active investor in the UK and says it takes minority, non-controlling stakes with a “a patient outlook on investments”.

Personal Finance 2025-12-09 07:27:15

Current refi mortgage rates report for Nov. 4, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.39%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.39%20-year6.41%15-year5.64%10-year5.84%Jumbo mortgages30-year7.06%15-year6.28%FHA loans30-year7.25%15-year5.25%VA loans30-year6.53%15-year6.20%Note thatFortunereviewed the most recent Zillow data available as of Nov. 3.How mortgage refinancing worksMortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to the hard inquiry, and there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates would decrease following the Federal Reserve’s cuts to the federal funds rate late last year. However, mortgage rates remained stubbornly near the 7% mark for 30-year, fixed-rate loans nationwide. Although rates dipped slightly toward the end of February, moving closer to 6.5%, they remain significantly higher than the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to a Redfin report. That means a significant chunk of homeowners have been locked in, unwilling or unable to move or refinance with rates as high as they are currently. Still, homeowners got some relief starting in late August and early September of 2025, when mortgage rates started trending downward ahead of the Sept. 16-17 Fed meeting. They dropped to a low not seen in almost a year, and the Fed delivered a much anticipated reduction of a quarter percentage point to the federal funds rate.Mortgage rates inched down further leading up to the Fed’s Oct. 28-29 meeting, at which the central bank cut the federal funds rate by another quarter percentage point.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs before you apply for a refi. A guideline you’ll often hear is that refinancing makes sense if you can secure a rate that’s a full percentage point lower than your current rate. For example, if you have a 7% loan, refinancing when you’re able to land a 6% rate could be a smart move to save on interest charges over the life of your loan.  You might also consider a cash-out refinance to tap into your home equity—which typically requires at least 20% equity in your home. Homeowners have significant flexibility to use the cash disbursement from such a refi however they please, as there aren’t generally restrictions on what you can do with the cash portion of a cash-out refi. For example, you’re free to invest those funds, use them to cover a down payment on a vacation home or rental property, or pay off credit card debt. Refinancing can also allow you to change your loan term. For instance, someone originally took out a 15-year mortgage but finds their budget stretched may benefit from switching to a 30-year term for a smaller monthly payment.  And, refinancing can be a way to switch loan types, like moving from an FHA loan to a conventional one to get rid of your FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, you might pay between $6,000 and $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your current loan).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans out there, and the right one for your needs will depend on your goals and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is probably the most popular type of refi. It lets you lower your interest rate and/or change your loan term. Note if you opt for a shorter term, while that does typically earn you a lower rate and substantial lifetime interest savings, you’ll be stuck with higher monthly mortgage payments.Cash-out refinance:A cash-out refi taps your home’s equity by replacing your existing loan balance with a new, larger one and withdrawing the difference in cash. You can use the money for a wide variety of purposes, including home improvements, consolidating high-interest debt, or other financial goals.No-closing-cost refinance:With this type of refi, the lender covers closing costs in exchange for levying a higher interest rate. If you don’t have the cash on hand to pay for closing costs and could otherwise benefit from a refinance, this option might be worth evaluating.Streamline refinance:These refis are for existing FHA, VA and USDA loan borrowers, and generally involve less documentation plus offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to refinance with your original lender, and shopping around can help you find the lowest interest rate available to you and perhaps the best service as well. However, your existing lender might offer incentives, such as waiving closing costs, if you stay with them. So you should at least broach the topic with your current lender.Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-16 15:57:13

A guide to Zagorohoria, Greece’s undiscovered mountainous hideaway

The journey from Athens to Zagorohoria is a scenic five-hour drive. The Mediterranean landscape of scrubland and low-slung trees gives way to expanses of cotton fields, while hills carpeted with rich, green pine forests rise in the distance. At roadside stalls, fruit sellers court the business of passing drivers. “How do you know about Zagorohoria?” asks one stallholder as we choose a bunch of sweet grapes from his display.Most travellers head to Greece for its sun-drenched shores and clear waters but in recent years an increasing number of visitors have started to venture further inland. About 80 per cent of Greece’s land is covered by mountains and many people are beginning to discover the country’s high- altitude expanses. The region of Zagorohoria (or Zagori) lies in the Pindus mountain range along the nation’s northwestern border with Albania. The area, with its 46 ancient villages, was recently added to Unesco’s World Heritage list as an “outstanding example of traditional human settlements”.Zagorohoria is best reached via Ioannina, a vibrant university town. We park along the lakefront promenade, where rows of lively tavernas, cheese shops and cafés are filled with students sippingfreddo espressos. Ioannina has a long history of silversmithing, with craftsmen having made intricate buckles, plates and jewellery in the city for more than 400 years. You can still find evidence of this tradition on Averof Street, where shops offer antique artefacts and contemporary takes on old designs. Jeweller Dimitris Zhnas has been making bracelets, necklaces and rings here for more than 30 years. “I also incorporate precious and semi-precious stones into my pieces,” he says.Boat trip on the lake of IoanninaOne of the mustard-yellow houses dotting IoanninaFurther into the city, bazaars overflow with trinkets and cowbells. On one corner we find Telis, a shop famed for its knives and farming tools. “My grandfather opened the shop in this exact location 90 years ago,” says owner Rania Pitenis, who runs the business with her husband, Evangelos Gkogko. “Evangelos makes the knives’ handles from Greek wood,” she says. “And the blades come from a carbon-steel stock first bought by my grandfather.”Ninety-year-old blades from TelisTelis’s creations are prized in restaurants across Greece, from the Peloponnese to the Cyclades, though the workshop remains rooted in Ioannina’s rural heritage. Before the Second World War, Telis was well known for knives. But as others began to import them, Pitenis’s father’s focus shifted to sheep shears. “It is still a big part of our business,” says Pitenis. “Our spring production is dedicated to making tools for shepherds.” Just a five-minute walk from Telis is Select, a bakery that has been serving sweet and savoury pies since 1964. Visitors of all ages line up for freshly madebougatsa– a layered-phyllo pie filled with custard and dusted with cinnamon and icing sugar – andtyropita, a pastry made with feta.As we head back to the car, one of Ioannina’s mosques comes into view. During Ottoman rule, the city was known as Europe’s Eastern gate. After an easy 40-minute drive, we reach Kato Pedina, our first stop in Zagorohoria. “The region enjoyed a degree of autonomy in the Ottoman period,” says hotelier Georgios Kountouris. “The villagers formed an agreement with the pasha, which allowed the area’s unique culture and traditions to flourish.” In 2010, Kountouris and his family relocated to Zagorohoria from Athens and turned their 300-year-old family home into a hotel named Apeiros Chora. It is a striking example of the region’s distinctive architecture, built entirely from stone with a grey-slate roof made to endure the region’s harsh winters. “It took five years to restore the structure to its original state,” says Kountouris. “We were very lucky to find local stone masons to work with.”The fertile farms surrounding Kato Pedina produced much of Zagorohoria’s food during the 18th century, which brought wealth to the area. Schools, carpet-making workshops and embroidery studios thrived. But like many rural Greek villages, it experienced significant emigration after the Second World War. Villagers left for bigger cities in search of work, and mansions fell into ruin. “Traditional ventures such as winemaking, beekeeping and dairy production were no longer financially viable, so repurposing the original mansion into a hotel seemed as though it was the only path forward,” says Kountouris.Owners of Kanela&GaryfalloTourism is now a vital contributor to Zagorohoria’s economy. People with ties to the region are slowly returning to help preserve its cultural, architectural and culinary heritage by opening new businesses. “This is the land of my ancestors,” says Vassilis Katsoupas, who left a career in the environmental field and his life in Canada to open Kanela&Garyfallo, a mushroom-focused restaurant in Vitsa, just 15 minutes from Kato Pedina. Portions are generous and sharing is advised. “You need to study mushrooms carefully; knowing how to distinguish between edible and poisonous species is just as important as knowing how to cook them,” says Katsoupas. When Monocle visits, dishes include crunchy cabbage salad with pomegranate, apple and arbutus honey, and rich risotto with morels, porcini, trumpets and black truffles. “Fungi are so important to the environment here. The truffles are a local delicacy but most of them are exported,” he adds.Back at Apeiros Chora, Kountouris pours us his amber-hued agedtsipouro, a potent Greek spirit, for a nightcap. “The house was lived in until the start of the Second World War. To protect it, my grandfather gave one of the rooms to a priest,” he says, pointing at a religious icon in the lounge. “A relative bought us this icon. We discovered that someone had taken it but returned it to our family after a spell of bad luck. They thought it was cursed,” he adds jokingly. Kountouris suggests visiting a nearby church the next day. “It’s not open to the public but I can get the keys.”Breakfast at Apeiros ChoraGreek welcomeA traditional village in ZagorohoriaIn the morning we follow him down the hill to a small 16th-century chapel. More than 200 churches and monasteries are scattered among Zagorohoria’s villages. Inside this example, intricate frescoes gleam in the dim light. Kountouris gestures to the cupola. “Look, the Greek philosophers,” he says. “Local priests believe that they paved the way for Christianity.”After we leave the fertile, open valley of Kato Pedina, the roads become narrower. We have to slow down as we climb the ribboned route towards the imposing peaks of the Pindus mountains.“For many years, Zagorohoria felt isolated from Greece’s largest cities due to poor road connections,” says Vasilis Iosifidis, owner of Aristi Mountain Resort and Salvia restaurant. Born in Thessaloniki, Iosifidis returned to Greece after living in Germany and now divides his time between his hometown and the small village of Aristi. “I have always been a passionate hiker and the trails here are one-of-a-kind,” he says.Local greens at SalviaThis isolation has shaped Zagorohoria’s culinary traditions. At Salvia, chef Yannis Liokas combines regional ingredients with the resort’s own vegetables. The menu celebrates the region’s flavours with seasonal soups, smoked trout and roasts. The dining room hums with conversations in French, English and Yiddish, reflecting the growing international interest in this once-isolated region. Zagorohoria has many smaller guesthouses but few hotels, with the biggest being the 26-key Aristi Mountain Resort. This is in keeping with the region’s focus on preserving its character and Unesco heritage listing, as well as creating a more intimate and authentic travel experience for visitors.Embroidered pillows at Aristi Mountain Resort“Most of the tourists in the area are Greek but there are also Israelis, Germans, Dutch and French people,” says Chloe Economides of Avragonio hotel. Avragonio is a family affair nestled beneath the imposing 700-metre-high Astraka cliffs in the village of Megalo Papigo. Possibly the region’s best-known towns, Megalo (Big) and Mikro (Small) Papigo embody its charm and have become year-round destinations for curious travellers. The hotel’s suites feature fireplaces, handwoven textiles and sweeping views of Astraka. From here, hiking trails take more adventurous visitors to the bottom of Vikos Gorge, the world’s deepest canyon relative to its width.The climb to Megalo PapigoThe Vikos GorgeWe exit the car just outside the village to begin our exploration on foot. Colourful wooden doors line the cobblestone streets. We take a path suggested by Giorgia, Chloe’s mother, which leads us to rock pools where locals and visitors cool themselves in the refreshing water. This brief adventure leaves us longing for a hearty meal.Papigo is home to numerous restaurants, such as Nikos&Ioulia, which offers sweeping views over the gorge. When we visit, Ioulia warmly describes the day’s offerings: slow-roastedkatsiki, wild greens,briamand a sumptuousportokalopita– appropriate rewards for completing a strenuous hike in the mountains.The next day, breakfast at Avragonio fuels us for the roadtrip to Metsovo, a three-hour drive east of Zagorohoria. As the road from Papigo begins its descent, the towering cliffs of Astraka disappear behind us and the glistening blue-green waters of the Voidomatis river come into view. A few brave tourists stand in the almost-glacial waters, while a rafting boat appears from around a bend in the gorge.Just past Aristi, we veer off the main road, which takes us to a series of famous 18th- and 19th-century stone bridges. Their moss-covered arches – once vital lifelines connecting isolated villages – now stand as silent monuments to the area’s architectural legacy. After a while, the view opens onto the sweeping plains surrounding the Aoos Springs Dam and the landscape transforms into a serene tableau of rolling meadows and still waters.The scent of black pine and damp grass fills the car. Shepherds sit on hillside rocks, their flocks grazing nearby. Their dogs’ protective nail-studded collars signal that we’re in wolf and bear country. We slow several times to allow animals to wander across the road. At various points, a motionless cow needs coaxing out of the way with the help of our horn, while goats stare defiantly at the car and a few sheep, donkeys and tortoises amble past.Grand Forest Metsovo pool“I call it the Greek safari,” says Maria Koulakidou, sales manager at the Grand Forest Metsovo hotel. We are welcomed into the building with hot mountain tea and invited to relax on dark-blue sofas adorned with embroidered pillows in traditional motifs. “You’ll find handmade furniture throughout the hotel, as well as pieces inspired by regional craftsmanship and Greek art,” says co-owner Ellie Barmpagiannis. Floor-to-ceiling windows frame the tranquil valley views. “I always return to the mountains when I want to feel grounded,” says Barmpagiannis. As the day comes to a close, we head to the hotel pool to enjoy a swim and reflect on the path that led us here. Next time you crave an escape, why not follow in the footsteps of the Greeks: venture north and take the road less travelled.Zagorohoria address bookStay: Apeiros ChoraThis boutique hotel is run by the seventh and eighth generations of the Kountouris family. It comprises four rooms and two suites in a restored mansion in the centre of Kato Pedina. Artefacts are on display throughout the house.apeiroschora.grStay: Aristi Mountain Resort&VillasThe largest hotel in the area, with views of the Vikos Gorge. It features a spa, two swimming pools and a restaurant. There is also an exhibition featuring the work of Greek and German artists inside.aristi.euStay: AvragonioThis guesthouse is a restoration of the Economidies’ old family property in Megalo Papigo. The buildings offer unobstructed views of the Astraka cliffs and a fireplace to cosy up beside on winter nights. In summer, you can head to the infinity pool and cocktail bar.avragonio.grEat: Kanela&GaryfalloA mushroom-specialised restaurant in the small village of Vitsa. Its seasonal menu features foraged mushrooms and fresh regional ingredients.kanela-garyfallo.grEat: LithosThis restaurant offers a daily menu, with pairings of organic wines and beers from the region.lithos-dilofo.grDrink: Katogi AveroffIn the brown-bear habitat of Metsovo, Katogi Averoff winery offers tasting tours of lesser-known indigenous grape varieties such as vlachiko, vlachavona, gudaba and pyknoassa. The building is also a museum and testament to the rich history of the area.katogiaveroff.grShop: TelisFounded more than 90 years ago in Ioannina, this shop is now run by Rania Pitenis and her husband, Evangelos Gkogko, who still makes every knife by hand.telisgiannena.grVisit: Rizario Exhibition CenterIn the small village of Monodendri in Zagorohoria, this museum hosts numerous photographic exhibitions of internationally renowned artists with ties to Greece. Showcases focus on Greece’s cultural and craft heritage, featuring work by artists such as Robert McCabe and Nobel Prize-winning writer Giorgos Seferis.rizarios.gr

Travel 2025-12-08 09:30:36

The 15 things on Monocle’s 2025 travel wishlist

1.BC05BraunTo keep us on time for our flights and checkouts, we’re turning to theBC05 by Braun, a quartz precision travel clock created by German designer Dietrich Lubs in 1995. This battery-powered, analogue alarm clock provides the essentials while you’re on the road and its protective lid is equipped with a world time chart to help you navigate across time zones. Paired with an otherwise monochrome palette, the red “off” and green “snooze” buttons foster intuitive use and are in keeping with the colour schemes of many other Braun products.With its sleek silhouette and emphasis on functionality, the BC05 exemplifies the kind of utilitarian design that we have come to associate with Braun, pioneered by the German manufacturing company in the 1980s by industrial designer Dieter Rams. Our favourite detail? The quiet clock can leap into action with a crescendo alarm that gradually gets louder, ensuring that even the deepest of sleepers can be roused. Now, that’s what we call sound design.2.Nexpect CoffeeTokyoBarista-turned-businessman Kenji Kojima wanted to get back to doing what he loves best: making coffee. After helping Oslo-based Fuglen to set up in Tokyo, he recently opened Nexpect Coffee in a former newspaper shop on a quiet street in Kodenmacho in Nihonbashi. Customers order and pay on a screen by the counter, freeing baristas to focus on making great coffee.Nexpect even has its own robot mascot, Neku Yukun. “It’s good to be in a new place,” says Kojima, who has moved to the neighbourhood, which he finds a refreshing change from Shibuya. The area is warming up with new shops and restaurants, and many coffee pilgrims are making their way to see what Kojima, a renowned figure in the Tokyo bean scene, is up to. A roasting machine is on order and, if all goes well, this will be the first of several Nexpect coffee shops. nexpect.theshop.jp3.Steinach TownhouseMerano, ItalySet across two buildings in the Steinach neighbourhood of Merano’s historic centre, this hotel is just the right blend of old and new. The 17th-century building was tastefully restored by designer couple Roger Botti and Giulia de Andreis, with an understated colour scheme that includes pistachio-green window shutters.Mid-century pieces such as Le Corbusier’s Marseille lamp are juxtaposed with flashes of Tyrolean culture, including contemporary art from local artists and hand-painted stencil work on traditional wooden furniture (for which South Tyrol is famed). With 11 spacious suites, each with its own bedroom and living room areas, this is the ideal escape from which to launch yourself into winter hikes – or to hit the slopes at the nearby Merano 2000 resort.steinachmeran.com; theaficionados.com4.KaenkrungBangkokThis new spot in west Bangkok has a refreshingly offbeat take on Thai cuisine. Kaenkrung opened in October 2024 with a menu that draws on the flavours of Isan, Thailand’s northeastern province. The converted shophouse on the Thonburi side of the Chao Phraya river is the second restaurant by Paisarn Cheewinsiriwat and Kanyarat “Jib” Thanomseang. The two chefs have drawn crowds with their first site, Kaen, a culinary destination in Khon Kaen, one of the largest cities in Isan. At Kaenkrung, the pair bring their signature dishes and a playlist of funky, folkymor lammusic to the capital (Krung thepis slang for Bangkok).“We want to create contemporary regional cuisine that embraces local ingredients and traditional cooking techniques,” says Cheewinsiriwat, an Isan native and former executive chef at Chiva-Som health resort. Isan pork sausages are an easy entry point, before moving on to a creative twist on spicy green salad (som tam), made using jicama, a tropical root vegetable, instead of the usual papaya. The northeast is home to some of Thailand’s best beef, so the charcoal-grilled ribeye with vegetables and a sticky rice waffle is a must, even if it means giving the popular lambmassamancurry a miss.Kaenkrung comfortably seats 16 on the ground floor, while upstairs is reserved for private bookings, collaborations with guest chefs and other special events. “Isan culture is all about coming together,” says Cheewinsiriwat, who splits his time between his kitchens in Khon Kaen and Bangkok. As appreciation for Isan cuisine grows, a trip to Thailand’s little-known northeast might even be on next year’s wishlist.+ 66 87 324 46195.La MissionÎle d’YeuÎle d’Yeu, a rugged Atlantic island off the coast of Vendée in France, offers plenty of options for holidaymakers during the summer but boltholes that stay open beyond the peak months are harder to find. “We love how the island evolves across the seasons and want to share that with our guests,” says Michel Delloye, co-founder of Hôteliers Impertinents. That’s why the group designed its newest opening, La Mission, to be one of the island’s few year-round destinations.Located in the main village of Saint-Saveur, the property is as much a gathering place for islanders as a hotel. With a calendar of seasonal activities, from raclette dinners in the winter to pétanque competitions in the summer, the founders’ aim was to give a piece of local heritage back to the community.La Mission is set in one of theîle’s most storied locations. Its main building dates back to the 19th century, when it was constructed under Napoléon iii as military barracks; it was later transformed into a school and a parish hall. “Some locals still have memories of going to school here,” says Delloye. “Others come in to reminisce about family gatherings at the hall.”When it came to creating the hotel’s warm, convivial interiors, designer Pauline d’Hoop was mindful of staying true to the essence of the place. The 22 guest rooms and suites are decorated in the typical island style, featuring white wood-panelled walls, rattan furniture and splashes of colour. It’s the perfect retreat after a blustery island walk.lamissionyeu.com6.Somewhere LombokLombokThe island of Lombok, just east of the more developed Bali, remains unjustly overlooked. Its beaches, paddy fields and forested slopes easily rival those of its better-known neighbour and there are fewer people to elbow out of the way to see them. With 20 standalone villas, a restaurant and bar, a spa and an infinity pool overlooking the ocean, Somewhere Lombok is the place from which to explore the island.The villas are scattered across a cascading hill, allowing them valley views; each has its own terrace and private plunge pool. The open-air restaurant offers a mix of Indonesian and Western fare and features fresh seafood. “We wanted people to feel at one with nature, rather than being boxed in,” says Claire Gontard, who co-founded Somewhere Lombok with her sister, Valia. “We are lucky to have unobstructed views of the entire bay.”somewherelombok.com7.Clemente BarNew YorkSwiss chef Daniel Humm and Italian artist Francesco Clemente bonded over a shared love of New York, art and hospitality before opening their homage to all three, Clemente Bar, in October. The moody space – all wood panelling, wall sconces and striped banquettes – sits above Humm’s plant-based restaurant Eleven Madison Park. Its interiors come courtesy of Brad Cloepfil of Allied Works, with lighting by German artist Carsten Höller and furniture from Los Angeles-based designer Brett Robinson. The drinks menu is long and lively (be sure to sample the smooth, saffron-infused Clemente martini), while The Studio, a nine-seat counter, is available for 90-minute tasting menus.The drinks offering, overseen by Sebastian Tollius, and the chef’s counter are the main draws. The presence of Clemente’s custom-made neo-expressionist, ochre-hued friezes and evocative canvases, however, is the extra ingredient that nudges the bar from simply being notable to being a distinctive pleasure that should last the test of time. It’s amazing what a lick of paint can do.clementebar.com8.Super KioskCambridge, New ZealandTom Sykes was the head of digital brand strategy for the King James Group advertising agency in Cape Town when he started drafting plans to start something of his own. Having spent his career positioning big brands, he began wondering what it might be like to start something fresh after moving to New Zealand in 2018. “I had no clue what to do, never mind how to run my own business or what it would even be,” he tells Monocle. “I started thinking about what I loved and what I hated. I love things that are elegant and enduring. So: stationery.”This was the genesis of Super Kiosk, Sykes’s shop in Cambridge, a town about 150km south of Auckland. Today, wooden shelves are stacked high with well-made wonders and tidy tools from Australia, Japan, Germany and the US, including Delfonics ballpoint pens, steel Penco tape dispensers and notebooks from Any Day Now.“It would have been much easier if I was a fifth-generation stationer and all of this was written in the stars,” adds Sykes, amused by the success of his just-so-branded business. “But that’s not my story.Thisis my story.” And a rather touching tale it is too.superkiosk.online9.Ace Hotel&Swim ClubAthensAce Hotel has marked its return to Europe with Ace Hotel&Swim Club on the Athens Riviera. “This city is a perfect location, with its juxtaposition of ancient and contemporary influences,” says the company’s CEO, Brad Wilson. “Glyfada specifically is undergoing a renaissance, with a vibrant creative scene and exciting new developments.”The 1970s building was reimagined by French firm Ciguë, with the support of Athens-based Georges Batzios Architects, to capture the breezy spirit of a modernist seaside resort. The pool area features green loungers and butter-and-cream-coloured umbrellas. Earthy-toned furnishings and natural materials sit inside with pieces by design icons such as Carlo Scarpa and Harvey Guzzini, selected by the owners of Athens-based vintage furniture shop Back to the Future. Works by emerging and established Greek artists were selected by Diplomates Studio’s founder, Matthieu Prat, and Aliki Lampropoulos, an advisor to the director of the Acropolis Museum. “A small gallery space at the hotel will feature rotating exhibitions,” says Wilson. “We’re focusing on work from collaborators and friends in the Athenian community.”Sebastian restaurant serves modern Mediterranean fare. Try the Kástra Elión vodka, distilled from olives, for a fitting start to the weekend – then a few other options at The Lobby bar. The stools look sturdy enough.acehotel.com10.Island Shangri-LaHong KongHong Kong’s Island Shangri-La hotel unveiled its revamped Shangri-La Suite in 2024. This 222 sq m home from home – the latest step in the 544-key hotel’s lengthy renovation – comes with his and her dressing rooms, a generous lounge, a 10-seater dining table, a kitchen, a wine cellar and a freestanding bar. Kuok Hui-kwong, the executive director and chairwoman of Shangri-La Group, had a hand in the design, elevating French designer Tristan Auer’s vision with Chinese opulence and a few deft touches. The hand-painted murals and oversized marble bathtub overlooking Victoria Harbour provide a sense of permanence (not to mention a great soak).But in Hong Kong, even the most luxurious of spaces must have flexibility built in. Guests can use one of the two bedrooms as a gym, yoga room or office; larger parties can add an adjoining room. The tropical wallpaper in the private dining area can even be covered for brand events or board meetings. As hoteliers across Asia talk about the rise of multi-generational travel and its effect on hotel design, the Shangri-La Suite shows what flexibility can mean on a new level. Now, do you mind? That bathtub is beckoning.shangri-la.com11.FuglenSeoulOslo coffee shop Fuglen, whose name means “bird” in Norwegian, opened its first overseas outpost in Tokyo in 2012. Given its success, the brand was bound to expand to new shores in Asia at some point. First up is Seoul’s fashionable Sangsu district. Fuglen’s now signature design is in place – vintage furniture, modern reproductions of mid-century Nordic pieces (another part of the Fuglen business) and straw wallpaper from Biri in Norway.Staff from Fuglen Japan pitched in to help and hundreds of people turned up on the opening day. The company’s CEO, Einar Kleppe Holthe, is a former barista champion and one of the co-founders who took over the original 1963 Fuglen café in Oslo. He says he has been fielding offers from across the world. “Seoul was natural as there has been so much interest from South Korea.”fuglen.no12.Sea Sea HotelCrescent HeadSea Sea Hotel is tucked away on a quiet street in Crescent Head, a seaside town about halfway between Sydney and Byron Bay. The 25-room hotel opened in November 2024 as the newest venture from hotelier George Gorrow, formerly of The Slow in Bali. It’s just a few minutes’ walk from two pristine beaches that stretch either side of the town, affording sandy expanses for sunbathers and ideal point breaks for surfers.Gorrow decided to open Sea Sea after stumbling across what was then a run-down hotel property from the 1980s, featuring cabins that reminded him of Balinese villas. Gorrow kept the original structures but expanded the pool. He gave the rooms a modern cabin-in-the-woods look, with timber-clad walls. He also added sleek furniture, gauzy curtains and contemporary art. A restaurant serves local seafood and natural wine, and there’s a surf shop, a music lounge and an events space. Guests can rent boards and book surfing lessons at the hotel.“I grew up on the beach and my dad was a big surfer,” says Gorrow. “This was always one of the spots that we used to pop into on our trips. It’s a cute town with amazing beaches. It still feels pretty untouched.”seaseahotel.com13.Travelling companionsAt Monocle, we know that packing for a trip is about more than merely selecting the appropriate wardrobe. Depending on the destination and your means of travel, different accoutrements become necessary. One item that is indispensable no matter where you’re heading is a camera. We’re fond of theLomo’Instant Wide Boston by Lomography. The Vienna-based company produced this instant camera with lens attachments so that users can have the flexibility offered by smartphones and digital cameras while also shooting on instant film.To set the tone on the road, we’re pumping up the volume withMania by Devialet. The French brand’s first portable speaker combines hi-tech audio with an elegant design. Its spherical form is wrapped in a hardy woven fabric that protects the speaker.Staying hydrated is essential while travelling too, so pack a cooler. We love theCamping Bucket by Niwaki. This waterproof bag can be folded flat for easy storage and then opened when needed. We’re filling ours withStrong Blonde Golden Ale by La Chouffe, the Belgian brewery whose bottles and graphic design are as tasty as its beverages.14.The MannerNew YorkThe interiors of mid-century Italy were unapologetically grand, intricate and brimming with bravura – a world away from what you’ll find at most modern hotel makeovers in the US. A notable exception is The Manner in New York, the latest addition to The Standard International family. When the group’s chief design officer, Verena Haller, set out to find someone to reimagine the property, she enlisted Milan-based Hannes Peer, renowned for his sumptuous residential projects that epitomise Italiangrandezza. This establishment, set on Soho’s Thompson Street, eschews the standard, chunky check-in desk in favour of a striking tableau of marble, brass, leather and terracotta, channelling Milan’s most opulent entryways.Ascending a travertine staircase, guests are greeted by The Apartment, a living-room-style retreat with a cinematic feel, Pompeian red walls, a mahogany divider and handcrafted ceramic columns by sculptor Ben Medansky. This decadence extends to The Manner’s 97 guest rooms (including 10 suites and one penthouse), where every detail is a tribute to Italianate splendour. Lipstick-red lacquered headboards, floor-to-ceiling mirrors and glossy dark-wood veneers amplify every room’s inherent drama.Dining is equally indulgent. The Otter, The Manner’s seafood-focused restaurant, offers dishes ranging from classic shrimp cocktails to a more modern swordfish steak frites. Sloane’s, a discreet speakeasy, serves vintage spirits in a setting that is as refined as its menu. And come spring, a rooftop space will make its debut. You know where to find us.themanner.com15.Die CafetièreViennaGerman-born Peggy Strobel spent many years in the Netherlands before moving to Vienna in 2007. There she managed Mraz&Sohn, the Michelin-starred restaurant of her husband, Markus Mraz, then stepped back to start a family. Harbouring an ambition to open a place of her own, she took a hospitality course in Innsbruck. After the coronavirus lockdowns, a friend told her that the Naber Café in the first district, run by the family-owned Naber Roastery, was looking for a new owner. Strobel didn’t think twice.Strobel has preserved the décor from the 1960s, an era when many espresso joints of this kind sprang up across Vienna. The back of the building now doubles as a showroom for Percy Thonet, scion of the chair-making Thonet family, and Anna Prinzhorn, the creative force behind furniture brand One for Hundred. Alongside pastries, Die Cafetière serves ham-and-cheese toasties called Karl-Heinz, named after Strobel’s late father-in-law who, says Strobel, made them best. “My motto is ‘With and without tradition’,” she says. There’s a stimulating thought to round-out our Wishlist – not all hospitality highpoints involve completely changing the recipe and starting from scratch.diecafetiere.wien

Travel 2025-12-09 00:13:01

All puffed out: Milan’s new smoking laws cause a stir

Sometimes over a drink with friends in Milan, both Italian and expat, conversation will turn to the “elasticity” of rules in theBel Paese, a stretchiness comprising two distinct layers. The top one involves the definition of what the rule is in the first place: in Italy, it turns out that almost everything operates in a grey area, rather than being a clearly defined, hard-and-fast ordinance. A rule can be interpreted diversely according to whoever happens to be in charge that day, based on things such as whim or emotion. Almost everything, it turns out, is negotiable.Once you’ve got over the hurdle of defining the law, there’s the second layer of whether you’re going to obey it, based largely on the calculation of how much chance there is of enforcement. A case in point? Everyone knows you’re not technically allowed to double park but, listen, you had to take your elderly grandparent to a doctor’s appointment and what kind of a cold-hearted traffic cop would you be to not understand that, anyway? As long as you put your hazard lights on, Milan is a forgiving place.Which is why I had to chuckle when earlier this year a friend from Argentina sent me a link to an article in one of the South American nation’s daily’s,Página 12, with the headline, “Milan bans smoking in open-air spaces”. From a public relations point of view, the fact that the news had travelled thousands of kilometres meant the announcement was already doing its job.The “ban” (note the quotation marks here) came into force at the start of this year and is a hardening of a law from 2021 restricting smoking in some public spaces. According to the new legislation, you can no longer smoke in any public areas, including the outdoor seating areas of bars and cafés, and on the street, if you can’t be more than 10 metres away from someone else. Failure to abide by the rules can lead to a fine of €40 to €240. But according to one report, in the first month only about 20 people had been fined, with police preferring “education” instead.Skip forward to early spring and people are still smoking in bars and lighting up after they alight the Frecciarossa at Central Station. And I’m still making zigzags on pavements to avoid plumes of smoke on my morning runs. Trying to cut down on small-particle pollution in a city that often has very poor air quality is a noble cause. But I’m yet to see a billboard advert, strategically placed no-smoking sign or proactive enforcement to make me think that this is anything more than another chance for Italians to assess the malleability of the law. Up in smoke? Quite literally.About the writerStocker is Monocle’s Europe editor at large, based in Milan since 2020. A law in his current hometown requires locals to smile constantly; he’s rarely in danger of breaking it.Want more stories like these in your inbox?Sign up to Monocle’s email newsletters to stay on top of news and opinion, plus the latest from the magazine, radio, film and shop.Your EmailSubscribe

Travel 2025-12-30 22:27:29

Yoji Tokuyoshi is the Japanese chef teaching the Italians about eating well

Originally from Japan, chef and entrepreneur Yoji Tokuyoshi has taken Milan’s culinary scene by storm since moving here almost 20 years ago. His epiphany? Turning his Italian restaurant that used Japanese techniques into a Japanese one obsessed with Italian ingredients. As the founder of Alter Ego Italian restaurant in Tokyo, Tokuyoshi also has an appetite for side projects, many of which he runs with French-Japanese partner Alice Yamada. Quick to smile, Tokuyoshi speaks to Monocle from a low window table at his Bentoteca restaurant about inspiration, his cappuccino regime and why he’s eyeing New York, London and Paris for his next venture. What made you leave Japan for Italy?To learn Italian cooking, I obviously had to learn the original. I worked in an Italian restaurant in Tokyo for six years but I had no idea whether the food I was making was authentic or not. I moved to Italy and spent a decade working for Massimo Bottura at Osteria Francescana in Modena. My intention was to spend three or four years there and then return to Japan to become a star. That’s what a lot of Japanese chefs do. But four years turned into five, then six, then seven. I was growing and I wanted to see how far I could go. Once we [Osteria Francescana] got our third Michelin star, I said, “OK, now I want to forge my own path.”Was the idea always to come to Milan?I wanted to open my own restaurant but I didn’t have a clear idea. So I spent three months travelling in Italy. I discovered a beautiful thing: the morning routine of having a cappuccino. It’s something that I couldn’t do when I worked at Osteria Francescana because I would wake up and go to work immediately. During my travels I would get up at 10.00 and buy a coffee. I’d always see people at the café, smiling. Che bello.And so, you opened an Italian restaurant?Yes, Italian food but cooked using Japanese techniques. The restaurant was called Tokoyushi. We received a Michelin star in the first year of opening. During the coronavirus pandemic, we changed the idea and started to make Japanese food. It began as a take-away service and then, when we reopened, we kept to authentic, simple Japanese food. It has evolved a bit since then. What we do is a mixture because we use Italian ingredients: butter from the mountains, capers from the island of Pantelleria and Sicilian tomatoes.Why did you give up your Michelin star?My original decision was to keep going. I wanted one star, two stars, three stars. I really had to digest that decision. The first Japanese person in Italy to receive three stars sounds good, doesn’t it? I decided that I could always go down that route in future but it was better not to take the risk. It’s not about being number one in everything; I want a place where we do things that no one else can do. How does travelling inspire what you do?Massimo Bottura taught me that when you return from travelling you have to reflect on what you have done. I catalogue everything and use it to add to my experience and help me come up with new dishes. If I’m looking at a work by Argentine-Italian artist and sculptor Lucio Fontana, I ask myself, “What was the thought behind it? What did he want to say?” You’ve shaken up Milanese dining and you have an Italian restaurant in Japan. Where else would you like to open?What food do Americans like? Either Italian or Japanese. So, if I mix both, I think that New York is a good option. We opened a Katsusanderia pop-up in the Financial District last December and we’re now working on a Bentoteca pop-up for May. I’m also looking at opportunities in Paris and London.CV1977:Born in Tottori, on the west coast of Japan.1998:Works in an Italian restaurant in Tokyo for six years.2006:Starts working at the Osteria Francescana in Modena, soon to become the sous chef of Massimo Bottura.2015:Opens Tokuyoshi in Milan and is awarded a Michelin star in its first year.2019:Opens Alter Ego in Tokyo, an Italian restaurant.2020:Transforms Tokuyoshi into Bentoteca, giving up the Michelin star.2022:Yoji Tokuyoshi meets Alice Yamada. Together they found the company Kazoku. They open the first Katsusanderia in Milan.2023:Pan bakery opens in Milan. Bentoteca joins the 50 Best Discovery list.2024:Second Katsusanderia branch opens.2025:Piccolo Pan, a delivery-only bakery, opens in Milan. Tokuyoshi plans a Bentoteca pop-up in New York for May and June.

Travel 2025-12-15 07:10:03

A sleep expert’s top three tips for beating jet lag

For all those caught up in the excitement of booking a long-haul flight and jetting off to an exciting new destination, there is one main downside: jet lag. It’s a challenge that neuropsychiatrist Irshaad Ebrahim advises on. After founding the London Sleep Centre in 2002, he set up several other such institutions across the world, including The Constantia Sleep Centre in South Africa. Here, he gets us up to speed on beating jet lag.Pre-flight“Before you even get on the plane, you need to have established good sleep-hygiene routine,” says Ebrahim. “This will immediately help to offset any effects of jet lag.” Exercising regularly and drinking plenty of water are among his top recommendations. Other tips shared by medical professionals include resisting the temptation to nap throughout the day and investigating your clock gene (a protein-coding gene that plays a central role in regulating circadian rhythms) through lab tests if you suffer from daytime drowsiness or regularly wake up in the night. The most indulgent recommendation of all? Ensure that your bedroom is a sanctuary. Pile up a stack of escapist titles, play some relaxing tunes and or put on that cucumber facemask. It’s all about maintaining a bedtime routine before your flight, says Ebrahim.On board“Once you’re on the aircraft, there is one trump card that you must play,” says Ebrahim. “Clock into your destination the moment you get on the plane. Check the season and time difference beforehand. When you’re on the aircraft, you should switch to the timings of the country that you’re travelling to. Fall asleep when people there are going to bed and wake up when they are waking. This allows you to prepare psychologically and behaviourally for landing in a new place.” It also prevents you from falling asleep unexpectedly upon arrival. So pull down your window, insert your earplugs and put on your eye mask. This should all lead to a restful sleep.On arrival“Taking a melatonin supplement is a useful aid in combatting jet lag,” says Ebrahim. The hormone is produced in the brain in response to darkness and helps with the timing of your circadian rhythms. “The key to this is taking it about an hour before sleep once you land. Continue taking it for three days after arriving and repeat for another three days when you return from your trip.” The doctor is also keen to stress that exposure to the right type of light is essential. “There is a lot to be said for light therapy,” he says, explaining that an exposure to special bright-white light bulbs that emit 10,000 lux (an amount similar to the light in the sky just after dawn) can be beneficial to sleep. “Buy a portable light-therapy lamp and switch it on 30 minutes after waking up. It helps to suppress melatonin and gives your brain the impression that a new day is starting.”

Personal Finance 2025-12-10 07:38:58

This CD still yields 4.35%—here are the best CD rates on Oct. 31, 2025

There’s still time to secure an attractive return on a certificate of deposit, but don’t delay. In the aftermath of the Federal Reserve’s three interest rate reductions in 2024, CD rates fell quickly. They largely leveled off in the first part of 2025 while the Fed temporarily suspended further rate changes—but have begun to dip in light of the central bank’s rate cut in September and the possibility of further cuts in October and December.The most lucrative CD rates currently available offer up to 4.35% APY. By funding a certificate now, you could potentially lock in these high rates for years to come. With markets anticipating the possibility the Fed further reducing the federal funds rate in coming months, any delays may result in missing out.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on October 31, 2025: Earn up to 4.35%The highest CD rate of 4.35% is offered by Ivy Bank on its three-month CD.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates available:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare rates to top national banksMany of the institutions mentioned may not be familiar because certificates of deposit typically do not generate significant income independently for major financial institutions. Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more lucrative products, such as loans and credit cards, rather than CDs. Consequently, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Additionally, securing a competitive rate at these larger banks may necessitate opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Investors should understand that CD rates move in lockstep with Federal Reserve monetary policy decisions. When the fed funds rate rises or falls, CD rates follow. It’s crucial for CD investors to stay attuned to shifts in central bank policy in order to effectively plan for potential rate adjustments.The federal funds rate currently stands at 4.00%-4.25% after the Federal Open Market Committee (FOMC) met Sept. 16-17.In 2024, the Fed cut rates three times, leaving the federal funds rate in a range of 4.25%-4.50% as of December. The central bank reduced rates as inflation began receding following a pandemic-related spike. The rate cuts sought to support the U.S. economy with cheaper loans, and that took CD rates down from highs seen the years prior.The very rich CD yields in 2022 and 2023 were driven by a two-year-long series of Fed rate hikes. From March 2022 to July 2023, the FOMC raised the federal funds rate 11 times, taking it from zero all the way up to 5.25%-5.50%. The central bank was acting to control inflation that hit highs not seen since the 1980s, driven by the significant economic disruptions of the COVID-19 pandemic.With the Fed’s first rate cut of 2025 occurring at its September meeting, rates began to show signs of dipping. They could drop further if the Fed reduces rates again when it meets in October and December. The next FOMC meeting is set for Oct. 28-29.While current CD rates are softer now, they’re still not far off their recent highs. Investors still have plenty of opportunities to secure advantageous rates on both short-term and long-term CDs. By investing a larger lump sum into your CD account, you can benefit from substantial interest accumulation.Historical CD ratesIn the early 1980s, CD rates surged into double digits, in sharp contrast with lower rates in 2025. By 2019, however, the APY for a 5-year CD had surpassed 3.00%.In recent years we experienced a period of increasing rates, with the best offerings surpassing 5.00% APY for 1-year CDs in 2024. These APYs are now beginning to stabilize, and we no longer see many rates above this threshold in 2025.How to get a good CD rateDetermining what constitutes a “good” CD rate involves finding a balance between securing the highest available rate and your willingness to keep funds locked away for a specific duration. For instance, choosing a 5.00% APY CD over five years might not be ideal if you expect to need access to your funds sooner or if interest rates increase, potentially lowering your overall returns. Generally, rates that exceed the national average are considered advantageous. It’s crucial to compare rates across different banks to find the best option tailored to your specific financial goals. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Higher rates are typically offered for longer terms.Minimum deposit:Verify that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Confirm that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Additionally, online banks often provide higher interest rates, but be mindful of any minimum balance requirements and associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksOnline banks and fintech companies often offer more competitive rates compared to national banks. Large financial institutions primarily derive revenue from interest on loans, fees, and investments in securities.Meanwhile, smaller banks and online fintech companies attract customers by providing competitive APYs on deposit accounts. Furthermore, online banks typically operate with lower overhead costs, allowing them to pass on better rates to their clients.Set up a CD ladderCD ladders appeal to savers who prefer flexibility without committing funds for extended periods. By diversifying savings across CDs with different maturity dates, you can balance short-term accessibility with higher long-term interest rates.For instance, begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year terms). As each CD matures, reinvest the funds into a new 3-year CD. This approach allows annual access to your funds while benefiting from accrued higher interest from the longer term lengths.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Types of certificates of depositThere are various types of CDs designed to meet different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often offer higher APYs because they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD’s term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-23 07:46:38

Invest in CDs now to get up to 4.20% APY. Here are the best CD rates for Nov. 6, 2025

It’s still possible to earn a decent return on a certificate of deposit, but you need to act soon. Average CD yields declined significantly in 2024 as the Federal Reserve reduced interest rates—and while they remained relatively stable in the first part of 2025 as the central bank held off on making more rate changes, the Fed made its first rate reduction of the year in September, and another in October.The highest CD rates on the market offer up to 4.20% annual percentage yield. By funding a certificate now, you could secure these high rates for years, depending on the choice of a CD term that best suits your goals. And, with the potential for one more Fed rate cut this year, there’s no time to lose.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 6, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help our readers obtain the best possible return on their CD investments. Here are the best available rates:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with the banks listed in the table above, there’s a good reason. The big banks depend less on certificates of deposit to build their capital base than smaller financial institutions. That means they see less need to compete by offering the highest rates.Established banks like Chase, PNC, and U.S. Bank acquire customers via business lines like loans and credit cards. As a result, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Securing a competitive rate at big banks may require opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Seasoned investors know that CD market rates closely track the monetary policy decisions of the Federal Reserve, particularly changes in the fed funds rate. Anyone who wants to invest in CD should learn to keep an eye on central bank policy changes in order to understand shifts in CD yields.The Federal Open Market Committee (FOMC) left the federal funds rate unchanged from January through August of 2025. Then, at its Sept. 16-17 meeting, the FOMC announced a quarter percentage point reduction, bringing the federal funds rate to 4.00%-4.25%. The fed funds rate currently stands at 3.75%-4.00% after a cut at the central bank's October meeting.There's one more FOMC meeting scheduled for this year, on Dec. 9-10.In 2024, the Fed cut rates three times—the last rate cut was at the December FOMC meeting—leaving rates in a range of 4.25%-4.50%. These changes came in response to cooling U.S. inflation, and the Fed aimed to support the U.S. economy with cheaper lending. This is why CD rates came off their previous two-decade highs last year.Those historically high CD yields were driven by aggressive Fed interest rate hikes in 2022 and 2023. Between March 2022 and July 2023, the FOMC hiked rates 11 times, from zero up to a range of 5.25%-5.50%. The Fed’s higher rates were an attempt to cool off the hottest inflation readings since the 1980s, which were themselves the result of economic disruptions from the pandemic.It's worth noting that current CD rates aren’t far off their recent peaks. Investors still have the opportunity to secure competitive rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD account, you can generate considerable interest earnings.Historical CD ratesIn the early 1980s, CD rates soared into the double digits, a sharp contrast to the lower yields. By 2019, however, the APY for a five-year CD was only a hair above 3.00%.Throughout the early 2020s, rates soared over 5.00% as the economy worked its way through the Covid-19 pandemic. Five years later, we are seeing CD rates stabilize in the 3.00%-4.00% range.How to get a good CD rateDetermining what qualifies as a "good" CD rate involves striking the right balance between high rates and your appetite for locking up money for a long period of time. Say you’re looking at a 5-year certificate yielding 5.00% APY. You should only pull the trigger if you’re sure you won’t need the funds sooner and you don’t think interest will increase.Key factors to evaluate when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Typically, higher rates are offered for longer terms.Minimum deposit:Confirm that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)insured to keep your money secure.Online banks typically advertise the highest CD yields, just make sure you understand the minimum balance requirements and any associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksFintech firms and online banks generally offer more competitive rates than national banks. Large financial institutions generate revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Additionally, online banks have lower overhead costs, which lets them pay better rates on deposits.Set up a CD ladderCD ladders are ideal for savers who prefer not to tie up funds for long periods. By spreading savings across CDs with varying maturity dates, you can enjoy both short-term access and higher long-term interest rates.For example, start by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD reaches maturity, reinvest the funds into a new 3-year CD. This strategy provides yearly access to your money along with the accumulated interest.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Understand the different kinds of CDsThere are several types of CDs available to cater to different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often provide higher APYs since they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD's term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-23 22:18:55

Havana’s neighbourhood hotel revival is transforming its hospitality scene

On Sunday mornings, the tinkle of piano keys can be heard on the streets of Havana’s artsy Cayo Hueso district, between the 16th-century Old Havana and Vedado. After the hospitality sector opened up to private and international operators in 2016 (when Cuba’s socialist government relaxed its regulations), a new crop of hotels has been helping to revitalise once-forgotten neighbourhoods for locals and visitors alike.The source of these particular neighbourhood melodies is the large, high-ceilinged café at the Tribe Caribe hotel, which opened a year ago in a grand, finely restored former apartment building that dates back to the 1920s. In the 1940s and 1950s, it housed one of Havana’s most storied jazz bars.“It feels like a bit of a miracle that we were able to restore a building so important to the musical history of the neighbourhood,” says co-founder Andrés Levin, a Grammy award-winning Venezuelan-German musician, producer and songwriter who has lived in Havana for almost 30 years. He undertook the hotel’s revival alongside his business partner, Canadian investor and property developer Chris Cornell. Given how young Cuba’s private hotel sector is, Levin adds, the role that hospitality businesses can play in their parts of the city is still in flux. “We wanted to restore the building to the glory of what it once was,” he says. “But we also wanted to create a ripple effect throughout the neighbourhood.” It has begun to draw visitors to a part of the city that was often sidestepped by the million or so people who travel to Havana every year, he tells Monocle.“We knew that we wanted the hotel’s public spaces to pay homage to the city’s musical and cultural heritage but also to generate opportunities in the neighbourhood,” he says. To do so, a dedicated exhibition space, The Black Box, was incorporated into the ground floor, which hosts performances by emerging Cuban musicians, contemporary art exhibitions and film screenings.A portion of the revenue from the 11-room hotel, which has been furnished with work by contemporary Cuban artists and antique fixtures and furniture, will be invested nearby. That includes the proposed revitalisation of a historic park and a long-term plan to restore Havana’s international jazz festival and invest in local talent.“We want this to be a model that can be replicated in other parts of the city,” says Levin. “We hope that other businesses will see what we have done here and take it as a starting point for themselves.”tribecaribecayohueso.com

Personal Finance 2025-12-27 04:31:39

Current price of gold as of November 6, 2025

As of 10 a.m. Eastern Time on November 6, 2025, gold was priced at $4,008 per ounce. This represents a $31 rise from yesterday at the same hour and an increase of over $1,302 compared to one year ago.Gold price per ounce% ChangePrice of gold yesterday$3,977-0.77%Price of gold 1 month ago$3,928-2.00%Price of gold 1 year ago$2,706-32.49%Price of gold yesterdayGold price per ounce$3,977% Change-0.77%Price of gold 1 month agoGold price per ounce$3,928% Change-2.00%Price of gold 1 year agoGold price per ounce$2,706% Change-32.49%If you’re searching for an investment that doesn’t move in lockstep with inflation, gold could be a smart pick. Over time, gold has generally shown an upward trend in value. Many investors use a gold IRA to buy and hold gold, which can help stabilize a portfolio during market swings. It’s also a convenient option for those who want to avoid the hassle of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always the top performer. In times of economic strength, stocks can yield better returns both short and long term. Between 1971 and 2024, the average annual return for stocks was 10.7%, while gold averaged 7.9% annually.Nevertheless, gold is often favored as a low-risk asset during economic uncertainty. For this reason, some investors treat it more as a store of value than as a traditional investment like stocks or bonds.What does “spot gold” mean?The spot price of gold is the current price for immediate purchase or sale in the over-the-counter market. This price helps investors track gold demand and market trends in real time. In simple terms, a higher spot price indicates stronger demand for gold. Unlike futures, the spot price refers to immediate delivery.When the price for future delivery is higher than the spot price, it’s called contango, which is typical for commodities with storage costs. If the futures price is below the spot price, it’s known as backwardation.Numerous variables can affect the spot price, making it highly volatile. Investors in gold should be prepared for these price swings.What is price spread in gold trading?The price spread is the difference between an asset’s buying price and its selling price.In gold markets, the ask price is the cost to purchase, while the bid price is what you’d get for selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are narrow, it usually points to increased gold demand.How to invest in goldIf you imagine gold investing as a cartoonish dive into a pile of coins, that’s only part of the story. While physical gold bars, coins, or jewelry are options, most gold trading happens through exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Some common gold investment methods include:Gold bars:Also called bullion, these are sold by weight, with details like purity and manufacturer marked on the bar. There are also gold rounds.Gold coins:Collectibles such as the American Gold Eagle coin, often sold at a premium due to their rarity.Gold jewelry:Priced above the gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, letting investors speculate on price movements without handling the metal.Gold funds:Mutual funds or ETFs invested in gold assets, whose value changes with the underlying holdings.Is it a good time to invest in gold?Deciding if now is the best time to buy gold is subjective. Still, gold can help diversify your portfolio and reduce the impact of market volatility.Gold remains a stable choice amid market turbulence. Prices have surged to record highs, up over 25% since early 2025, driven by inflation and uncertainty. Many experts see this as a good time to add gold for diversification.Current precious metals pricesas of 9:05 a.m. ET on November 6, 2025Precious MetalPrice per ounceGold$4,008Silver$48Platinum$1,561Palladium$1,404GoldPrice per ounce$4,008SilverPrice per ounce$48PlatinumPrice per ounce$1,561PalladiumPrice per ounce$1,404Silver, platinum, and palladium are also popular among investors. Gold is usually less volatile than silver, which can see significant price swings even within a day. Silver’s widespread industrial use makes it more sensitive to economic trends.Platinum and palladium share similar traits with silver. While they offer diversification benefits, they tend to be more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for some time, with persistent inflation making an impact. Gold can serve as a hedge against inflation in your portfolio. Thanks to various ways to buy, gold is accessible to investors of all experience levels. Whether using a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors opt for gold ETFs, which provide a managed basket of easily traded assets.Is gold a good investment?Gold is often chosen by those wanting to diversify and hedge against inflation. There are many straightforward ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are collectibles and may command a higher price per ounce than bars. Their collectible and historical value can make them appealing. U.S. minted coins may also help protect against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-18 10:53:49

Newcastle property firm iamproperty to create 100 jobs over coming months

A major recruitment drive has been opened up by Newcastle's iamproperty as it plans to create 100 jobs over the next 18 months. The Gosforth-based provider of technology for online property auctions says it will initially focus the expansion on its residential conveyancing arm, Medway Law. It is part of a move to capitalise on continued rises in auction transactions. To begin with, 20 roles are being advertised across its conveyancing and business support services. In February and March, more than 20 roles will be available for auction specialists. Bosses say the move comes on the back of demand for iamproperty's auction solution driven by buyers and sellers looking for fast sales ahead of the Stamp Duty Land Tax deadline in April. That is when the threshold band on residential properties will reduce from £250,000 to £125,000. Iamproperty, which employs 700 people, is said to be the UK's largest online residential auctioneer and reports that the number of properties sold by auction was up by 28% in December last year, compared with the year before and bidding activity was up 64%. The firm says that auctions can offer 56-day completion timescales from receipt of draft contracts, based on a standard property. Ben Ridgway, co-founder at iamproperty, said: "We’re pleased to be expanding our 150-strong team within Medway Law with these new legal roles. We know some redundancies were faced in the industry before Christmas and are keen to hear from people with experience who want to be part of modernising the property market and driving innovation. "We’re committed to making the moving process better, faster, and more secure for everyone involved, and we’re in it for the long term. We’re looking forward to welcoming successful candidates who share our vision. "The market conditions mean that auction is helping support buyers with quick sales to make Stamp Duty savings and is the current focus of our recruitment efforts. However, we will be creating opportunities in multiple areas of the business as we continue to realise our ecosystem vision to drive real change in the property market." Plans to increase headcount at iamproperty follow several years of the growth, including 2023's investment from private equity backer Perwyn in a deal believed to have topped £100m. Iamproperty was founded by Jamie Cooke and Ben Ridgway in 2009 as they spotted a gap in the market for a property auction service that benefited estate agents and buyers.

Travel 2025-12-20 08:58:44

Sensei Porcupine Creek: A mid-century marvel that embodies the spirit of Palm Springs

If the brochures are to be believed, Frank Sinatra crooned and caroused his way around much of Palm Springs. It’s a claim to fame that hotels and bars in this Californian desert city still trade on – especially at the Purple Room, a cabaret lounge built in 1960 at which Ol’ Blue Eyes would sometimes get up on stage.“Palm Springs was the playground of the stars,” says Michael Holmes, who revived the Purple Room almost a decade ago and caters to healthy crowds every night. “At the time, actors weren’t allowed to be more than 100 miles [161km] away from the studio when they were in production – and this is 100 miles from Hollywood.”Poolside perchHolmes, an accomplished jazz singer who also performs a stage show dressed as Judy Garland, first came to Palm Springs to flee a cold Chicago winter. This oasis city of perfect blue skies has long been a place that people escape to. In the 1930s it was the desert hideout for stars seeking refuge from the Los Angeles press. Then it was a seasonal bolthole for sun-seeking retirees. More recently it has been a pit stop for festival-goers on their way to Coachella.Palm Springs holds a special place in the American imagination – people say that they can feel their shoulders drop as they cross its city limits – but having a captive audience has meant that some of the hotels and places to eat were resting on their laurels. The past few years, however, have brought a fresh breeze that’s ruffling the city’s fronds. The extraordinary collection of mid-century buildings – homes created for California’s elite by leading American modernists such as John Lautner and Albert Frey – now attract a global audience. In February, more than 130,000 people descended on Palm Springs during its annual Modernism Week, when the people living in many of these restored houses open their doors to the public. In 2022, Palm Springs provided the backdrop for the martini-swilling fictional utopia of the filmDon’t Worry Darling. These houses, with their crisp roof lines and 1950s panache, have soared in value as people decamp to the desert to seek open spaces and a place where the sun shines every day.With this renewed interest has come a swath of new hoteliers and restaurateurs catering to a changing crowd. During the week that Monocle spent in Palm Springs, a new hotel by Life House opens and a Hyatt Thompson downtown is nearing completion.The most inspiring stay is Sensei Porcupine Creek, a hotel at the end of a winding street of mid-century modern bungalows in Rancho Mirage, a community in Greater Palm Springs. The resort, on the estate of technology entrepreneur Larry Ellison, sits on 93 hectares of desert garden interwoven with a manicured golf course. Amid this otherworldly landscape of succulents and meandering trails perfumed by the musk of the creosote bush is Ellison’s extensive sculpture collection, including a stack of Keith Haring’s red, yellow and blue figures – a shock of colour peeking out from behind the palm trees.Sensei Porcupine Creek CEO Alexandra WalterspielSensei Porcupine CreekDespite all the space, there are only 22 places to stay on the property, comprising standalone villas dotted through the grounds and suites in the single-storey estate house, which also contains a Nobu restaurant. The bedrooms are understated, verging on spartan, with light wooden interiors and vast windows that frame the gardens beyond. Staff say that the design is about drawing the eye to the estate’s abundant nature rather than the hotel itself, even if it is choreographed: the waterfalls that bubble through the grounds subtly change their cascade according to the time of day, calming to a restful flow after dark.Keith Haring’s bright figures“There’s science to all of it,” says Julie Oliff, the Swiss-born general manager, as she drives Monocle along one of Sensei’s canyon trails in a golf cart. Stretching out below us is the hotel’s canopy of 4,000 palm trees and one of its bright-blue tennis courts, where a bobcat is known to sleep in the midday heat. Like many of her colleagues, Oliff came to Sensei from running premium hotels around the US and takes a high-minded view of the work they are doing in the Coachella Valley. “Our mission is to guide the world to greater wellbeing,” she says.Clean lines at Sensei Porcupine CreekEllison co-founded Sensei with David Agus, an author and physician whose book on healthy living sits on the hotel’s bedside tables. Sensei offers guests an “intention-setting” session with a member of its dedicated wellness team to find out what they would like to get out of their stay, whether in terms of fitness or rest. In practice, this means having your blood pressure and some biometrics checked and signing up for yoga, exercise or meditation.“Wellness is a term that has been used too loosely and way too often, just as ‘boutique hotels’ was about 25 years ago,” says Alexandra Walterspiel, Sensei’s German-born president and CEO. “We just help guests to find opportunity in carving out time for themselves.” That said, Sensei is still a resort that keeps an excellent wine list and will serve a club sandwich poolside. It’s also a premium hotel that sets a new bar for an overnight stay in this valley.Villa Royale’s John JanulisBack in town, the most sought-after table is at Bar Cecil, a corner restaurant where trays of oysters and martinis are whisked through a candlelit dining room. Over the din of a Tuesday evening, co-founder John Janulis explains that there’s fierce competition to get a reservation here. He came to Palm Springs to restore and reopen the once-derelict Villa Royale and believes that now is a moment of great opportunity for those who want to refresh hospitality in town. “It’s the most unique city in America,” says Janulis. “For a lot of people, coming to Palm Springs means instant vacation.”What’s your poison?Mid-century allureTasty spread at Bar CecilEntrepreneurs such as Janulis say that it’s not a case of reinventing Palm Springs but re-energising what is already there. Even the Ace Hotel and Swim Club, which opened 15 years ago and was the first to tap into the Coachella crowd, is soon to be remodelled. “The property was originally a Howard Johnson motor lodge and we turned it into a desert retreat,” says Roman Alonso, founder of LA-based Commune Design, which was responsible for the original Ace and is coming back to spruce it up. He says that Palm Springs is being born again.Service in the sunThe past few years have seen several sensitive restorations take place that have breathed fresh life into old lodgings. Azure Sky, which reopened in 2022, took the bones of an old motel and brought a sense of spaciousness and light back into the rooms. Casa Cody, in downtown Palm Springs, is a hotel that hosted Hollywood stars throughout the 1930s and once belonged to Harriet Cody, a cousin of cowboy showman Buffalo Bill. “We wanted to keep the residential feel of the estate in the design and the renovation,” says Carolyn Schneider, co-founder of the Casetta Group, which added muted colours to Cody’s old home that emphasise the bright bougainvillaea spilling over the walls and roofs. Orange and grapefruit trees give shade to the gardens.Awash with naturePreservation is a relatively new phenomenon in Palm Springs. After the mid-century boom, the city stagnated. By the 1990s its architectural marvels had been mostly forgotten. “They were intact but neglected,” says Peter Moruzzi, an architectural historian who formed the Palm Springs Modern Committee in 1999 to safeguard mid-century masterpieces around town that were threatened with demolition, starting with Albert Frey’s Fire Station No 1.Peter Moruzzi’s restored mid-century houseMoruzzi and his partner, Lauren LeBaron, first came to the city in 1991. “I instantly loved the mountains, the air, the palm trees,” says Moruzzi. “Then we noticed all this mid-century stuff just sitting there, still in pretty good shape.” The couple have meticulously restored a 1950s “tract home”, built for the middle classes in the modernist designs favoured by Hollywood stars. Every February they let the public in during Modernism Week, to sit beside their twinkling pool, in the shade of two crossed palms, and admire the oddity that is the indoor barbecue. “A short-lived fad of the time,” says Moruzzi. These houses were undervalued in the 1990s, when nobody cared about Palm Springs modernism, but nearby houses now sell for millions of dollars. “We get a lot of guests booking to stay here because they would like to buy a house in Palm Springs,” says Bruno Santos, the general manager of Colony Palms, a grand old hotel with verdant verandas and green-striped parasols. It opened in 1936 and was reputedly owned by mobster and bootlegger Al Wertheimer, who ran a speakeasy and gambling den in the basement; a mural has survived from the time showing a bacchanalian scene of cavorting women.The Colony Palms was restored by Steve Hermann, a Montecito-based designer turned hotelier who has recently expanded L’Horizon, his other hotel in town, with bungalows that take cues from mid-century design. Spend enough time in Palm Springs and the pools and palms start to blur together; one blue-skied David Hockney painting after the next. Like the shifting lines that dance across a swimming pool in the midday sun, the city is moving with the times while retaining its sense of mid-century allure. Celebrated artist Phillip K Smith III, a self-professed “desert rat”, grew up in the Coachella Valley and returned to Palm Springs after studying at the Rhode Island School of Design. “I missed the brown mountains, the horizon,” Smith tells Monocle. His sculptural light pieces change colour almost imperceptibly, creating an effect similar to that of a gentle sunrise or sunset in these parts. “The desert I’m talking about doesn’t necessarily have tennis courts, golf courses and pools,” he says. “It’s about going there to disconnect.”Artist Phillip K Smith IIIFrom the windows of his studio, Smith can watch a grand light show as the mountains change from red to black. “It is a totally natural phenomenon that happens every day,” he says. “All you have to do it is to stop and look.”Palm Springs address bookStaySensei Porcupine CreekA retreat-like stay on vast grounds where privacy and peacefulness are prized.sensei.comEatBar CecilConvivial corner restaurant with sought-after reservations that’s a tribute to Cecil Beaton.barcecil.comDrinkThe Copper RoomIt’s worth the trip out of town to this lovingly-restored lounge at the old Yucca Valley Airport.thecopperroom1957.comSee‘Albert Frey: Inventive Modernist’The Palm Springs Art Museum has a long-awaited exhibition dedicated to the architect who defined the city. Until August.psmuseum.org

Personal Finance 2025-12-16 09:14:54

Current price of silver as of Tuesday, October 28, 2025

At 8:15 a.m. Eastern Time on October 28, 2025, silver stood at $46.50 per ounce. That marks a $0.91 decrease from this time yesterday—but more than a $12 rise compared with one year ago.Silver price per ounce% ChangePrice of silver yesterday$47.41-1.91%Price of silver 1 month ago$46.05+0.97%Price of silver 1 year ago$33.67+38.10%Price of silver yesterdaySilver price per ounce$47.41% Change-1.91%Price of silver 1 month agoSilver price per ounce$46.05% Change+0.97%Price of silver 1 year agoSilver price per ounce$33.67% Change+38.10%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock. However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises. Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.What does “spot silver” mean? Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses. Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.What is “price spread” in silver trading? The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include: Ask price.This refers to what you pay to acquire silver Bid price.This refers to what you receive when you sell silver As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver. How to invest in silver You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs). ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally. Common silver investments include: Silver bullion.This includes bars or rounds sold by weight and purity. Silver coins.Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee. Silver jewelry. Specifically, crafted pieces that are worth more than equivalent-purity bullion. Silver mining stocks.This type of investment refers to shares in companies that extract silver, giving you indirect exposure. On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade. Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }Is it a good time to invest in silver? In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade. Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains. Current precious metals prices as of 8:15 a.m. ET on October 28, 2025Precious metal Price per ounceGold$3,927.54Silver$46.50Platinum$1,563.40Palladium$1,374.40GoldPrice per ounce$3,927.54SilverPrice per ounce$46.50PlatinumPrice per ounce$1,563.40PalladiumPrice per ounce$1,374.40Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.Pro tipPrefer gold? Check out our list of the best gold IRA companies.The takeaway With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs. Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-19 10:03:16

London holds on to crown as tech capital of the world as New York closes in

London has retained its position as the world's tech capital, according to a highly-regarded league table, while New York is inching closer to reclaiming the top spot. The Z/Yen Smart Centres Index, which ranks 77 global commercial hubs based on their ability to innovate, develop and implement technology, revealed that London continues to hold the first place, a title it has maintained since surpassing New York last May, as reported by City AM. In the most recent edition, New York regained second place after falling behind Zurich six months prior. The gap between London and New York has shrunk by six points since May, with London's score recently decreasing by seven. San Francisco ascended four places to secure fourth place, trailing Zurich. Oxford and Cambridge, recognised as influential global tech hubs, dropped by four and one places in the ranking respectively. The new UK government has positioned Britain’s tech industry at the heart of its pledge to attract more international investment and foster a supportive environment for start-ups. At Labour’s flagship investment summit last month, US companies CyrusOne, Cloud HQ, CoreWeave and ServiceNow committed a combined £6.3bn in funding for the UK’s data centre industry to cater to the nation’s growing demand for AI and machine learning. Jersey was the only location in Z/Yen’s top 20 to witness an increase in its score over the past six months, with the average rating across the index falling 1.07 per cent. According to recent numbers, confidence appears to be waning in global technology centres, a trend that Z/Yen attributes to the ongoing geopolitical tensions and economic instability. Commenting on the current state of sentiments, former Lord Mayor of the City of London and Z/Yen chair Michael Mainelli said: "The latest results in the SCI show a slight dip in confidence in the strength of centres, and confirmation that strengths in AI, digital, and computing skills will have a major impact on centres’ performance."

Travel 2025-12-15 01:40:15

Worth the wait: Six new global restaurant openings to save on your map

1.OobatzParisDan Pearson moved to Paris to study international relations but found that there were other ways to win hearts and minds. The chef first made mouths water with a pizza pop-up at the Michelin-starred La Rigmarole. Now he’s back with Oobatz in the 11th arrondissement. The line-up features six pizzas, each made with market-fresh ingredients before its 90 seconds in the Swedish pizza oven at 480C. Monocle’s favourite has a marinara base, with pork and veal polpette and creamy caciocavallo. Call ahead as tables are tough to snag.2.Dodeka PiataAthensTrue to its name, Dodeka Piata (“12 plates”) offers a dozen dishes in celebration of the Greek concept of mezedes (sharing plates). The new restaurant in Koukaki is overseen by chef Pavlos Kyriakis and features mosaic-tiled floors and white linen tablecloths, with wooden chairs replacing the straw seats of a taverna. The menu is modest in volume but the smoked tzatziki and tyrokafteri, a spicy whipped cheese dip, will leave you satisfied. The pork gyros with paprika and onion are exceptional.36 Odissea Androutsou, Athens 117 413.Uno di Questi GiorniBolognaThis restaurant from the duo behind Bologna’s much-loved Ahimè has been four years in the making. Whenever co-founders Lorenzo Vecchia and Gian Bucci were asked about the opening date, they’d reply “Uno di questi giorni” (“One of these days”); the name stuck. Designed by Trieste-based studio Metroarea, the interiors feature exposed wooden beams, contemporary lighting and cream-coloured sofas. But the real showpiece is the large open grill, where everything from Jerusalem artichokes to Po Delta oysters are cooked as part of the grill-only menu.unodiquestigiorni.it4.EsraAmsterdamYou’ll find this 26-cover Turkish offering in Amsterdam’s formerly industrial eastern docklands. Its appeal lies in the ever-changing menu of its London-born Turkish Cypriot owner, Selin Kiazim (pictured, on right, with co-owner Steph De Goeijen). “The food scene in Amsterdam is always evolving,” she says. “Esra’s menu switches with the seasons, sometimes even after a day.” Past menus have featured pollock with pistachio cream, and herring roe and Turkish eriste egg noodles with pickled maitake mushrooms and sheep’s cheese sauce. The wine list features appellations from Georgia, Croatia and Greece.esra.amsterdam5.Bar SuperBarcelonaBar Brutal and its bottle shop Can Cisa brought Barcelona’s most enterprising drinkers round to biodynamic wine when it opened in 2013. Its new sibling, Bar Super, is located next to the Mercat de Santa Caterina in El Born. Given its prime location, twin restaurateurs Max and Stefano Colombo, as well as winemaker Joan Ramon Escoda rely on cuina de mercat (market produce), to which they add the Venetian sensibilities that they channelled into their debut opening, Xemei, an Italian osteria in Poble Sec. At Bar Super, expect fresh prawns, succulent tuna carpaccio and colourful varieties of beetroot. The wine list features Catalan appellations from winemaker friends, as well as an in-house bitter made in collaboration with Genoese bodega La Ricolla.barsuper.com6.GhostBaliGhost Kitchen and Record Bar mixes wood-fired cooking with a warm vinyl soundtrack. Executive chef Tim Stapleforth blends Balinese flavours and fresh produce with what he grew up eating in Queensland. Standouts include the babi guling crumpet, a play on the Balinese hog roast.No 99 Jalan Pantai Berawa

Travel 2025-12-10 12:32:06

A guide to Thailand’s Sukhumvit Road, from Bangkok to Koh Chang

Anyone who has visited Bangkok will know Sukhumvit Road. It’s the Thai capital’s answer to Oxford Street, Orchard Road or Fifth Avenue, all rolled into one. Visitors of every stripe are drawn to this traffic-clogged, six-lane stretch of central Bangkok. But there’s far more than the shopping malls, five-star hotels and hostess bars with questionable names (Spanky’s, we’re looking at you).In total, Sukhumvit Road rolls east for almost 500km. Highway 3, as it is also called, travels along the Gulf of Thailand through six provinces and alongside dozens of undeveloped sandy islands, right up to the Cambodian border. It’s one of Thailand’s longest and most famous roads and one of the most significant markers of the country’s rapid economic development in the late 20th century, when US military money flooded in during the Vietnam War and let Thailand leave its war-torn neighbours in the dust.Might the future of Thailand’s all-important travel and tourism industry lie this way too? While many visitors take flights south to the busy islands or north to the nation’s hill country, there’s some space to develop in the wilder, lesser-known east. Our “Made in Thailand” stamped Mitsubishi Pajero Sport is part of the story too. The Japanese automaker produces most of these suvs from factories near Laem Chabang, Thailand’s largest port and one of the lesser-sought spots on Highway 3. Our trip doesn’t take us off-road but it does take us off the beaten track. On the way, we’ll encounter fighter jets, rare gems, French colonial leftovers and a Scandinavian enclave with a royal seal of approval. There could even be an international incident when we arrive at our tropical destination. This is Thailand without crowds, tuks-tuks, billboards or even a 7/11.Day 1:Chon BuriDowntown BangkokOur journey begins in downtown Bangkok, where Ploen Chit becomes Highway 3. Sukhumvit Road is the commercial and residential heart of the modern Thai capital and our first stop is the offices of Siam Seaplane near Bumrungrad Hospital (a mecca for medical tourists). The aviation start-up, which began in 2019 with the ambition to relaunch the seaplane sector in Thailand, swapped a regular office tower for a converted house on one of the many “sois” or alleys that run off Sukhumvit. “The trend of travel is going to go east in the next five years,” says Worakanya Siripidej, CEO and co-founder of Siam Seaplane, before running through a list of infrastructure developments and hotel openings in our direction of travel. Siripidej expects to launch her first seaplane flights in 2025 and her team has been busy signing deals with beachside resorts in the Gulf of Thailand. These will let customers fly straight from Bangkok aboard a fleet of Cessna Caravans fitted out like private jets. Eager to see the lay of the land, we jump back in the Pajero and dive straight into a traffic jam – quiet time. Thai’s don’t honk. At all. This remarkable display of collective enlightenment makes driving easy on the ears and more forgiving for uncertain out-of-towners. Worakanya Siripidej, CEO and co-founder of Siam SeaplaneThe elevated BTS “Sukhumvit Line” runs down the middle of Sukhumvit Road, casting a shadow on the shady business that populates this end. Money changers, tailors, massage parlours and shops selling cannabis are a primer for the seedy resort town of Pattaya, a favourite weekend destination for many Bangkokians. The closest stretch of hotel-lined sand to the capital is also the furthest east that many will have travelled. The arrival of family-friendly hotels, music festival Wonderfruit and the pygmy hippo Moo Deng (of internet meme fame) are, in their own ways, helping to change Pattaya’s reputation as a red-light resort. But we avoid the downtown area’s saucy nightlife altogether and plot a course for Jomtien Beach.On the beachCanals run alongside the road for much of the drive through two provinces, Samut Prakan and Chachoengsao. Rudimentary arched bridges cross the narrow waterways at various points. We could be on the outskirts of Amsterdam, only without any bikes. Crossing into Chon Buri, we make a brief pit stop at the ptt petrol station in Si Racha – birthplace of the famous hot sauce – to fill up the tank and get takeaway coffees from Café Amazon.Two hours later, having driven past Thailand’s largest port, we pull into Southeast Asia’s largest marina and the stomping ground of Aussie harbour master Scott Finsten. According to the Sydneysider, who takes Monocle on a golf-cart tour of his growing number of piers and superyachts, many Thais “discovered the charms of boating” during the pandemic, when money normally spent on shopping trips to Singapore and Hong Kong paid for pleasure cruisers instead. His job is to give them reasons to use their new vessels. “This used to be called the graveyard for yacht brokers but you can now jump in a taxi in Bangkok and they will know Ocean Marina,” he says, back on dry land. As the sun begins to set, we sip iced lemon tea and watch a boat being lifted out of the water. A colleague comes over for help with a visiting yacht owner who doesn’t want to check in. Finsten recently addressed an industry gathering in Kuala Lumpur and his sales pitch for the Gulf of Thailand is simple: year-round cruising, no typhoons and a boatload of uninhabited islands.By 18.00 it’s dark and bunking options for yacht-less overland travellers in Na Jomtien are good. Boutique hotel Mason is nearby and The Standard is landing here soon. Checking into Thailand’s first Andaz hotel, which opened here in 2023 in a beautifully landscaped former family estate, deserves the hype it’s garnered. A missed lunch is made up for by an order of pork ribs on the steakhouse veranda. And, as this is Thailand, there’s mango sticky rice on the menu.Day 2:RayongAt sunrise the sea is calm, the sky is blue and the busy capital feels a long way away. The Gulf of Thailand is a tranquil stretch of water and the scenery on Sukhumvit Road begins to get a lot more green and tropical as it curls around Chon Buri’s southern peninsula. Sattahip is the Royal Thai Navy’s turf and home of Thailand’s largest naval base. The seafaring admirals even rule the airspace at U-Tapao International Airport in neighbouring Rayong.The US military built the runway for bombing raids during the Vietnam war. That’s probably why civilian travellers arriving to take a flight are met at the entrance road by a “Welcome to U-Tapao” sign and a decommissioned fighter jet parked on a roundabout. At least for now. By 2055, U-Tapao will have a new runway and terminals for civilian use capable of handling 60 million passengers a year. That’s a considerable increase on the sleepy airport’s current traffic. Construction of the runway is expected to start in 2025, according to Chula Sukmanop, secretary-general of the Eastern Economic Corridor Office of Thailand, a government body put in charge of managing the airport on behalf of the navy. “[The eastern seaboard] has been the area where foreign investment has come into the country for a long time,” says Sukmanop, who usually acts as a one-stop shop for foreign investors, from Chinese electric car manufacturers to European eyewear brands. “We are the gateway to Thailand and it is our job to make that gateway bigger,” he says.The central government is working with some of the country’s largest corporations to build a high-speed railway between U-Tapao and Bangkok, plus a new airport city made up of conference facilities, luxury condominiums and an Formula One-grade racing track. But progress is slow-going. Our tour of the site takes in the near-completed jet-fuel tanks and a well-placed solar panel farm.Leaving the airport behind, we turn off Sukhumvit Road and head to the beach for some lunch: grilled shrimp and deep-fried sea bass at the original branch of seafood restaurant Laem Charoen, now a national chain.For afters, something sweet and juicy from Taphong Fruit Market. Agriculture is a big part of Thailand’s economy and the east is the place for exotic fruits. The harvest in May and June hosts orchard tours and a fruit festival starring fresh durian, mangosteens, longans and lychees. When it comes to sun-worshippers though, October to April is the best season for this part of the country, when Phuket and the south of Thailand get rained on.Rayong’s coastline has long stretches of golden sand and Mae Phim Beach is a favourite winter perch for migrating Scandinavians. Pasi Marjamaki arrived in Mae Phim at the beginning of the century to work for a Swedish-owned property developer and launched his own estate agency in 2023. “There was almost nothing here when I arrived except the odd few restaurants,” says the Finn, while taking Monocle on a tour and pointing out where the Swedish king and queen sometimes stay at a friend’s house. “This place essentially started because of Scandinavians.”Silver-haired Swedes might have bought the first generation of second homes but Marjamaki’s recent transactions have been with remote workers in their thirties and forties from both the East and the West. Seeing the area’s potential, Marjamaki will soon begin his first property development: a series of seven standalone homes called The Boulevard, set back from the beach. He estimates that the price of one rai (1,600 sq m) of beachfront land in Mae Phim has shot up from about thb3m (€83,000) to thb25m (€693,000).French hospitality firm Accor recently opened a second wing of the Mercure site in Mae Phim, next to Marjamaki’s office. Monocle checks in. A rooftop restaurant overlooking the ocean has yet to open, so we head to the sister property to eat grilled squid with a green papaya salad by the water. Come nightfall the horizon across this part of the Gulf of Thailand glows green with lights from squid-fishing boats.Day 3:ChanthaburiSukhumvit Road was originally carved out of the tropical shrubbery in the 1930s and named after a former transport chief. The highway passes through a handful of unremarkable cities en route to Cambodia. As each two-storey town flashes by the passenger window, a pattern emerges: Japanese car showroom, Big C supermarket, ptt petrol station and a local building-supplies merchant. We leave Rayong and enter Chanthaburi, deciding to stop over in the province’s namesake capital, which has become a favourite with hospitality entrepreneurs seeking a slower pace of life.Founders Chaiwat and Pinyapat Treeratsakulchai opened The Gardener café in 2016 and the adjoining bakery, L’Oeuf, in 2022. “I can’t live in Bangkok any more; it’s too busy,” says Chaiwat, who grew up in the Thai capital. The architect met his wife in Phuket while working at the same design studio and they later returned to her hometown. When Chaiwat and Pinyapat are not in the kitchen baking for financiers or working behind the counter, the 30-somethings run their own studio, Paper House.Rocket Ice Cream in ChanthaburiArmed with an iced coffee and Treeratsakulchai’s signature cream-cheese banana bread, Monocle sets off to explore Chanthaburi on foot. The French briefly occupied this multicultural, multifaith settlement of half a million people at the turn of the 19th century, adding a Gallic flavour to the existing blend of Thai, Vietnamese and Chinese cuisine and architecture – and presumably an appetite for dairy. The food group is big in Chanthaburi, which features everything from milk bars to milk-flavoured lollipops at Rocket Ice Cream shop. Lolly in hand, we wander the old town and spot a bare-footed monk in orange robes popping into The Reader bookshop to pick up his latest subscription.Cocktail at EasterlyChanthaburi has been a trading centre for rubies and sapphires for hundreds of years. But it’s the locals returning from the nation’s capital with a design degree and work experience who are enriching the modern city more than the dwindling trade in rare stones. Easterly is another local gem. Motion-graphics designer Khanapong Pumarin opened the brunch spot and bar next to the canal-like Chanthaburi river. His elder sister’s coffee shop, cap, is celebrating its 10th anniversary with a new venue on the opposite side of Sukhaphiban Road. Easterly has a few rooms upstairs for overnight stopovers but the islands are calling and the Pajero is waiting just across the river, right next to Thailand’s largest cathedral. We jump in, head back to the Sukhumvit Road and make our way to Trat, the final Thai province before Cambodia.Cathedral of the Immaculate ConceptionDay 4:Koh ChangAn hour after leaving Chanthaburi we take the turn-off for Ao Thammachat ferry pier and pass by Trat Airport. The private terminal run by Bangkok Airways operates a few flights to Bangkok most days and is in the process of being expanded. Our Pajero joins a line-up of white Toyota minivans at Ao Thammachat, queuing for the ferry for Koh Chang, Thailand’s third-largest island, after Phuket and Samui. Koh Chang – which means “Elephant Island” in English, named because of its shape – ranks much lower for tourist traffic, despite the easy access. After a breezy 20-minute transfer, we’re soon rolling onto the northside dock before embarking on leisurely reconnaissance and driving up some surprisingly steep inclines. Most development is taking place on the island’s west, where the sun sets over idyllic beaches.Mate Teeraniti of The RetreatHaving earned a rest, the Pajero pulls into The Retreat hotel near Kai Bae Beach. We take a comfy spot at the Ocean Terrace after checking in, then order a spicy green curry. A temporary stage nearby is waiting to be dismantled after hosting a 50-piece symphony orchestra. The 38-room resort and spa, designed by Bangkok-based Spacetime Architects, was opened by Mate Teeraniti and his parents in 2023. The Teeranitis’ relationship with this part of Thailand started out fairly typically for a Bangkok family (they didn’t go) before a customer of their mechanical and electrical engineering business opted to settle an outstanding bill with a hotel on Koh Chang called The Chill. “Koh Chang is not very well known and those who do know it have a preconceived idea that it’s difficult to get to,” says Teeraniti, whose childhood holidays were spent in Khao Yai, Hua Hin or Europe. The 29-year-old now visits Koh Chang once a month for business and takes part in the annual trail run. “People come here to relax, not to party,” he says. “The nature is incredible and it’s so different from Phuket and Samui. Once people see it for themselves they are always impressed.” Most of the island is a protected national park, so there’s a ceiling on the development; it will never become another Phuket, despite the recent appearance of big chains such as ihg. Teeraniti sits on the tourism committee and talks of managing growth carefully. “The scene has been maturing for the past two years – but slowly,” he says.Sea viewPool at The RetreatBringing the outside inRoom at The RetreatTo really escape the crowds, we must leave the Pajero and continue by foot. The 90-minute catamaran ride from Koh Chang’s southern pier provides an opportunity to catch up with the latest news about our final destination. The tiny island of Koh Kut hit the front pages in recent months because of an oil exploration deal signed with Cambodia in 2001 involving Thaksin Shinwatra, Thailand’s former leader and father of the current prime minister. Will we be greeted by flag-waving nationalists? The Thai navy? Far from it. When we disembark and make our way to the luxury Soneva Kiri resort, staff and guests seem to live in a different timezone, whizzing around on golf carts and following a “no shoes, no news” mantra. Any political squabble over this patch of Thailand, home to a few thousand Thai residents, says more about infighting in the capital than any genuine territorial dispute with Phnom Penh. Riding a Honda scooter under a cloudless blue sky, the scenery couldn’t be more different to Bangkok – or Phuket, Chiang Mai and Samui for that matter. There are no vans with loud hailers advertising muay thai fights. They aren’t even any beach hawkers. Shops sell fishing tackle, wine and whisky, in that order.Taking in the viewThe island’s main hotelier has named several properties after characters from Neverland: Captain Hook, Peter Pan and Wendy. As the sun sets on the clear, calm waters of Tinkerbell Beach, a few couples bob in the sea while a pair of paddleboarders glide along the horizon. In the morning a catamaran will reconnect us with our Pajero at Laem Chabang, ready for the six-hour drive back to Bangkok. But for now, there’s a fairytale ending to enjoy.Eastern Thailand address bookChon BuriStay: Andaz Pattaya Jomtien BeachA tranquil residential-style retreat set out around attractive landscaped gardens.345, Moo 3, Na Jomtien, Sattahip, Chon Buri, 20250Visit: Ocean Marina JomtienCharter a boat for a day of island-hopping. Koh Pai comes highly recommended.167/5 Sukhumvit Road, Tambon Na Jomtien, Sattahip, Chon Buri, 20250RayongDrink: Drift BarA reliably fun crowd gathers for sundowners at this relaxed beach bar run by three siblings.Ao Khai Beach, Klaeng, Rayong 21190Eat: Laem Charoen SeafoodFresh seafood served with a sea breeze and fishing boats moored nearby.1 Coastal Road, Rayong City, Rayong 21000ChanthaburiStay: EasterlyReserve one of the two well-appointed rooms that sit above this riverside brunch spot and bar in Chanthaburi’s sleepy old town.182 Khwang Road, Watmai, Chanthaburi City, Chanthaburi, 22000Eat: L’OeufA bakery and adjoining café run by a husband-and- wife team. Tasteful branding goes with tasty puddings and cakes.15 Maharaj Road, Wat Mai, Amphoe, Chanthaburi City, Chanthaburi, 22000TratStay: The RetreatA well-engineered two-storey hotel and spa with 38 rooms and a restaurant that extends out into the sea.10/7 Moo 4, Kai Bae Beach, Koh Chang, Trat, 23170Eat: The ViewSushi meets cerviche at one of Thailand’s most exclusive resorts.Soneva Kiri, Ko Kut, Trat, 23000Drink: The Deck BarSpend a lazy afternoon on the sun lounger and stay for early evening cocktails. There’s a pontoon to swim out to should things get a little too hot.Koh Kood Resort, Bang Bao Bay, 45 Moo 5, Koh Kut, Trat, 23120

Tech 2025-12-17 07:17:52

Apple faces UK class action trial over alleged excessive App Store fees

Apple is bracing itself for a legal battle on Monday, marking the first instance of a major tech company in the UK answering to a class action lawsuit over accusations of imposing "excessive and unlawful" charges through its App Store. The claim, seeking up to £1.5 billion in damages, was initiated in 2021 at the Competition Appeal Tribunal on behalf of approximately 20 million Apple users, as reported by City AM. Critics argue that Apple has effectively stifled competition by obligating customers to use its proprietary payment processing service, levying a 30 percent commission on app store transactions and charging developers additional fees for in-app purchases. This approach, the plaintiffs assert, allows Apple to reap "unlawfully excessive levels of profit". Brought forth by law firm Hausfeld on behalf of Dr Rachael Kent of King’s College London, serving as the class representative, the lawsuit suggests 19.6 million UK consumers could qualify for compensation. While Apple has dismissed the action as "meritless", it has expressed eagerness to present its steadfast dedication to consumer welfare and the positive impact of the App Store on the UK’s innovation sector to the court. A preliminary session was convened in September to deliberate upon the relationship between this lawsuit and another similar case, Dr Sean Ennis v Apple. In November, the Tribunal decided that these proceedings would proceed as usual, separate from the Ennis proceedings, which will be managed independently. Apple is the first Big Tech company to face trial under the UK collective action regime.

Tech 2025-12-19 09:02:21

County Durham tagging tech firm PervasID seals £3.25m funding round

A County Durham firm pioneering work in tagging technology has sealed a £3.25m investment round. PervasID, a leading innovator in RFID (Radio Frequency Identification) tech, was launched as a Cambridge University spin-out 13 years ago, but launched a second base at NETPark in Sedgefield earlier this year to tap into the skills and expertise within the region’s growing tech cluster. The business was launched by Dr Sabesan Sithamparanathan and a number of colleagues from Cambridge, spinning out from the university’s engineering department after getting attention from the retail, security and logistics sectors with its cutting-edge real-time location tracking system. The basis for RFID tracking has been around since World War Two but, until recently, it only worked within a couple of metres of a tag with accuracy of around 80%, whereas the PervasID Track Master can deliver near 100% accuracy at a range of up to 20m. Now PervasID has secured £3.25m in a funding round led by Parkwalk Advisors, which includes investment from two Maven-managed regional funds: a £375,000 investment from the Finance Durham Fund established by Durham County Council and overseen by Business Durham, and a £375,000 investment from the Northern Powerhouse Investment Fund II (NPIF II), supported by the British Business Bank. The deal will help fund PervasID’s team at NETPark to expand its customer base, following increasing demand from large customers in retail and aerospace. The investment will also support further R&D to enhance its software products offering in data analytics to complement its world-leading hardware solutions. Peter Oram, CEO of PervasID, said: “We are delighted to close out this first phase of our investment round with the support of Parkwalk and Maven. Maven is joining us at what is a very exciting time in our journey as we head towards a new chapter. The growth we have seen in recent years is a testament to our market-leading innovation and we can’t wait to use this investment to take the business to the next level.” Sarah Slaven, managing director of Business Durham said: “We are delighted to support PervasID’s journey through the Finance Durham fund, strengthening their position within the thriving technology cluster at NETPark. Their decision to expand from Cambridge last year reflects the benefits of NETPark’s collaborative environment and highly skilled workforce, which offer a strong foundation for pioneering companies like PervasID. We look forward to seeing them succeed as part of NETPark’s innovative community, helping to drive economic growth and foster cutting-edge developments in County Durham.” Rebecca MacDermid, investment manager at Maven said: “PervasID’s passive RFID tracking technology is world-leading in terms of accuracy over range, and we are excited to work with industry experts Pete and Sabesan as they navigate a business that is on the cusp of rapid growth, with some exciting customers lined up across a range of sectors.”

Personal Finance 2025-12-06 14:19:49

Current refi mortgage rates report for Oct. 30, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.21%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.21%20-year6.18%15-year5.51%10-year5.84%Jumbo mortgages30-year7.31%15-year5.93%FHA loans30-year5.50%15-year5.19%VA loans30-year6.01%15-year5.91%Note thatFortunereviewed the most recent Zillow data available as of October 29, 2025.How mortgage refinancing worksBoiled down to the basics, mortgage refinancing involves paying off your existing loan with a new one. This process requires meeting the lender’s criteria as is the case for any loan—including your credit profile, income verification, and debt-to-income (DTI) ratio. The application process may knock your credit score a little bit due to a hard inquiry, and there’s also the risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates might decrease following the Federal Reserve’s cuts to the federal funds rate late last year. But mortgage rates long remained near 7% for 30-year, fixed-rate loans nationwide. Mortgage interest rates remain significantly elevated compared to the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to Redfin. This means a large number of Americans have been experiencing the lock-in effect, unable to move or refinance because they’re hanging onto a once-in-a-lifetime rate. However, some relief came in sight toward the end of August and beginning of September 2025. Mortgage rates trended noticeably downward, averaging closer to 6% for 30-year, fixed-rate loans than had been seen in almost a year. This was largely connected with markets anticipating the Fed would cut the federal funds rate when it met Sept. 16-17. The central bank delivered on this expectation, reducing its benchmark rate by a quarter percentage point.When it might make sense to refinance your mortgageRefinancing comes with upfront costs, so it’s important to consider when it’s beneficial. One guideline you’ll often hear is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For instance, if you took out a loan at 7% and rates have since declined, refinancing at 6% would probably be a smart call in terms of long-term savings.You might also refinance to tap into your home equity via a cash-out refinance (which typically requires that you have at least 20% equity built up). Refinancing can also help if you want to change your loan term or switch loan types, such as moving from an FHA loan to a conventional loan to get rid of the FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage to a fixed-rate mortgage to avoid the potential for rate hikes.Additionally, refinancing can be beneficial if you want to adjust your loan term. For example, switching from a 15-year to a 30-year mortgage can allow for smaller monthly payments, which might be more manageable if your financial situation has changed.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable in the terms of your current loan).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the right one for you will depend on what you’re trying to do and what type of mortgage you currently have. Here are some common refi types:Rate-and-term refinance:This is probably the most popular refi, offering the chance to secure a lower interest rate or change your loan term. Just know that if you choose to shorten your loan term, while that does typically come with a lower rate and meaningful lifetime interest savings, you’ll have to budget for higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by paying off your existing loan balance and accepting a new, larger one. You withdraw the difference in cash. That money can then be used for home improvements, consolidating high-interest debt, or virtually any other financial goal you may have.No-closing-cost refinance:Approach this one with a healthy level of skepticism. With this type of refi, your lender covers the closing costs in exchange for charging a higher interest rate. If you don’t have cash on hand for closing costs and could otherwise benefit from a refinance, this option may be worth a look.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, a streamline refi will typically involve less documentation and offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around might potentially help you find better rates and service. That said, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should at least do the due diligence of checking with your existing lender before making a decision. Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-01 23:43:24

Suite life: Four hotels that will leave you wanting for nothing

Quinta do PinheiroAlgarveIt’s increasingly hard to find somewhere off the beaten track in the Algarve but Quinta do Pinheiro, a converted 19th-century farmstead, is one of them. Bordering the sandy dunes of Ria Formosa Park, this property is made up of five terracota-tiled cottages.Lisbon-based architect Frederico Valsassina preserved key features of the buildings, such as their prominent chimneys, and used traditional materials including cane strips to create rustic living quarters.A large water-storage tank once used by farmhands is now a pool. Each cottage comes equipped with a kitchen but Monocle restaurant favourite Noélia is a short drive east of the estate should you have a hankering for superb seafood.quintapinheiro.comStockholm StadshotellStockholmBuilt in the 1870s, this historic building at Björngårdsgatan 23 has been restored as a 32-key hotel with a lounge, a sauna and a cold plunge. “Many of the original details have been preserved,” says founding partner Johan Agrell. Stockholm Stadshotell also offers two restaurants, one of which, Matsalen, is in the former chapel. Chef Olle T Cellton dishes up contemporary Nordic fare, such as wood-grilled fish. “Matsalen is about cooking without ego,” says Agrell.The rooms and suites are rendered in muted tones, with furniture by Swedish company Tre Sekel, Italian linens from Liv Casas and bathroom fixtures by Lefroy Brooks. “The property’s architectural significance made it a compelling choice for a hotel because it has a soul,” says Agrell.stockholmstadshotell.comChiemgauhof Lakeside RetreatBavariaThe Chiemgauhof Lakeside Retreat overlooks Lake Chiemsee, an untamed expanse of water nicknamed the Bavarian Sea. Halfway between Munich and Salzburg in Übersee, the property was acquired by hoteliers Dieter Müller and his wife, Ursula Schelle-Müller, in 2021.Working with Milan-based designer Matteo Thun, they embarked on a major reconstruction. Thun conceived a contemporary barn built from larch, with oak-floored interiors and floor-to-ceiling windows that open up to the surrounding waters. In the restaurant, Maximilian Müller serves hearty Bavarian classics, while at the bar, Japanese chef Naoki Terai crafts sushi using fish caught from the lake.chiemgauhof.comHotelHumanoOaxacaThe so-called Mexican Pipeline on the country’s southern Pacific coast attracts an international surfing community to the town of Zicatela. Steps from the break at Playa Zicatela, Hotel Humano has become a popular stop-off. Architect Jorge Hernández de la Garza developed his idea with design firm Plantea Estudio for Mexico’s Grupo Habita. The result is a striking building defined by brutalist concrete and terracotta-coloured tiles offset by native tropical wood. The lobby, which opens onto the street, allows the interior and exterior to merge seamlessly.In Humano’s 39 guestrooms, handmade hazel-coloured tiles by San Pedro Ceramics nod to the 1970s, while ecru twill curtains divide the ocean-view suites. In the evenings, chef Marion Chateau of Marseille’s La Relève brings a refreshing fusion of French and Mexican flavours to the dinner table.hotel-humano.com

Personal Finance 2025-12-08 19:18:24

Current mortgage rates report for Nov. 7, 2025: Rates slightly increase

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.251%, according to data available from mortgage data company Optimal Blue. That’s up approximately 4 basis points from the prior day’s report, and up about 9 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.251%One week ago6.155%One month ago6.244%30-year jumboCurrent rate6.465%One week ago6.425%One month ago6.445%30-year FHACurrent rate6.058%One week ago6.014%One month ago6.109%30-year VACurrent rate5.836%One week ago5.731%One month ago5.811%30-year USDACurrent rate5.923%One week ago6.028%One month ago6.067%15-year conventionalCurrent rate5.543%One week ago5.415%One month ago5.437%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 6, with the numbers reflecting home loans locked in as of Nov. 5. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates were stuck on the verge of 7% for an extended period, that’s because they essentially were. Many observers anticipated that rates would soften when the Federal Reserve started reducing the federal funds rate last year, but there was no sustained decrease in mortgage rates. By January 2025 the average rate on a 30-year, fixed-rate mortgage surpassed 7% for the first time since last May, as indicated by Freddie Mac data. That’s a big jump from the historic average low of 2.65% recorded in January 2021.Absent another major crisis, experts agree we won’t have mortgage rates in the 2% to 3% range in our lifetimes. And, with the economic outlook complicated as President Donald Trump pursues policies such as tariffs and deportations, some observers have worried the labor market could constrict and inflation could resurface. Against this backdrop, U.S. homebuyers long faced high mortgage rates—although some found options for making their purchase more manageable, like negotiating rate buydowns with a builder when purchasing newly constructed property.However, homebuyers and homeowners looking to refinance finally got some relief starting in late August and early September of 2025. At that point, mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting. During that meeting, the central bank announced a highly anticipated rate cut of a quarter percentage point.The Fed followed up with a second cut to the federal funds rate of a quarter percentage point in October. There’s one more meeting on the calendar, scheduled for early December, so there’s still the potential for another cut this year.How to get the best mortgage rate you canWhile economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:Make sure you have excellent credit.The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. For instance, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier in the context of home loan applications.Maintain a low debt-to-income (DTI) ratio.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.Get prequalified with multiple lenders.Consider trying a mix of large banks, local credit unions, and online lenders and compare offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so in a consistent way—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartAn important bit of context for the discussion about high mortgage rates is that rates around 7% feel high because of the recent memory of rates between 2% and 3%. Those rates were possible due to unprecedented government action aimed at preventing recession as the country grappled with a global pandemic.However, under more typical economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates in the vicinity of 7% are not unusually high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.Nevertheless, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe U.S. economy may well be the single largest driver of mortgage rates. When lenders fear inflation, they can raise rates to protect their long-term profits.Plus, the national debt is another significant factor. When the government has to borrow large sums to cover what it spends, that can drive interest rates higher.Demand for home loans is key too. If few people are borrowing, lenders might lower rates to attract business. But if loans are in high demand, they might raise rates to cover their costs.In addition, the Federal Reserve’s actions play a role. The Fed can sway rates for mortgages and other financial products by changing the federal funds rate and by managing its balance sheet.The federal funds rate gets a lot of media attention. When it changes, mortgage rates often follow suit. But remember, the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect sync with the fed funds rate.Perhaps even more importantly, the Fed influences rates through its balance sheet. In tough times, it can buy assets like mortgage-backed securities (MBS) to boost the economy.But recently, the Fed has been shrinking its balance sheet, choosing not to replace assets as they mature. This tends to push interest rates up. So while everyone focuses on cuts or hikes to the fed funds rate, what the central bank does with its balance sheet might be even more important for your mortgage rate.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with various lenders are both essential steps in obtaining the best mortgage for your situation.If your credit is excellent, opting for a conventional mortgage might be the ideal choice for you. However, if your score is below 600, an FHA loan may give you an opportunity that a conventional loan would not.When it comes to exploring options with different banks, credit unions, and online lenders, it can make a significant difference in your overall costs. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-07 09:33:30

Craft and nature come together in Tomales Bay as as a new generation finds inspiration and space

Mariah Nielson is leaning on a heavy wooden door to a cabin in Tomales Bay, California. The house – from the Japanese garden out front to the wide deck that overlooks a valley of mossy forest – was built by her father, modernist sculptor JB Blunk. We step into a serene, shadowy living room, where squares of golden light fall on oak floors and recessed tokonoma shelves arranged with carvings, flowers and trinkets. “I’ve been calling my return here ‘the reckoning’,” says Nielson, a design curator who moved back to California last year after a long career in London. “I’ve been peripatetic for 20 years – always moving, always on flights, always changing apartments or jobs. But here, there’s a consistency and a rhythm that I feel I’m tuning in to.”Blunk apprenticed with master Japanese potters and was a maestro with a chainsaw. He turned fallen logs into fine furniture and petroglyph-like forms, such as the tall, somewhat mysterious archway that welcomes visitors to the house. It sits at the top of a winding lane cloaked in laurel and oak trees, high above the south shore of Tomales Bay. The enclave is only a 90-minute drive from San Francisco but it has a totally different state of mind; poet Robert Bly, who lived locally, wrote about hills that “roll all the way to the sea”. Blunk moved to the area in 1957, seeking space to find his voice as an artist.The Lodge at Marconi“People thought that he was mad to leave the city,” says Nielson. Yet 60 years later, his daughter is following in his footsteps – and she’s not alone. Many people are turning their backs on the promise of the US technology mecca for a quieter life in nature. Nielson, meanwhile, came back to Tomales Bay to continue tending to her late father’s legacy and the Blunk estate, which now hosts designers and artists; somewhere they could take time out to reconnect with their craft. During our visit to the house, London-based ceramicist Francesca Anfossi was just setting the clay on a new body of work. Nielson has also opened an art gallery named Blunk Space in the area’s only proper town, Point Reyes, and new work made at the house is being exhibited there, along with Blunk’s pieces.Blunk’s story is an echo of what many here are trying to achieve: creative renewal beyond the big city. Though close to San Francisco in well-heeled Marin County, Tomales Bay has remained remote. There are no tourist-trap hotels, few estate agents’ signs and dining is low-key (but great). A gentle process of rediscovery is under way as a new generation arrives seeking inspiration.Catherine Bailey of  Heath CeramicsMarshall Fisherman’s Camp by HeathThe bay’s first new hotel in years has recently opened and there is a smattering of new places to dine. Nick’s Cove, one longstanding restaurant that draws in fans from the city, has turned its row of waterside cottages into short-term lets and crafting sheds for visiting artists. Some are choosing to stick around: Los Angeles-based design studio Commune is currently working on several houses dotted around the bay, creating holiday homes for city folk, some of whom decamp to the area to turn their hand to ceramics, painting and sculpture.A single two-lane road follows the gently lapping bay that disappears in sea fog in the early mornings. To drive it is to circumnavigate an awe-inspiring geography – the San Andreas Fault bisects the area, so each side sits on a different continental shelf. The south is heavily wooded, with the air perfumed by the cola-like scent of sagebrush, while the opposite side is starker, with rolling hills and working dairy farms that were founded by Swiss émigrés at the turn of the 20th century.River refresherOn the banks of the bay, Catherine Bailey and Robin Petravic – who run homeware brand Heath Ceramics in Sausalito – have restored a fishing cottage for their own weekend retreat, and have begun opening it to guests in the past year. “It was once a fishing village of one-room shacks, all made from redwood trees,” says Petravic, while leading us through a living room adorned with flowers, art and a floor of Heath tiles that has the brown hue of raw clay. Some years ago, a previous owner consolidated these shacks under a single roof. The couple’s restoration has turned what was a fishing cottage with poky windows into a cosy hideaway with broad views of the water and the windsurfers carving up the waves.“We’re happiest when we’re camping,” says Bailey, who spent the morning swimming off the jetty. “This is the closest we can get to that while still being in a house.” Bailey has found inspiration and perspective from being around this body of water. “This place feeds our projects now,” she says. “I’m currently working with seaweed.” The bay’s most sought-after bounty is its oysters. Shellfish that have grazed on this seabed are now shucked all over the state. Some three million oysters were harvested locally last year. One custodian of that brood is the Hog Island Oyster Company, whose co-founder, John Finger, came out to Tomales Bay expecting to return to the East Coast after a few years. But he fell in love with the area and decided to stay. From a tiny shack, named after a spit of land out in the bay, Hog Island’s operations have expanded to several restaurants, a hatchery and saltworks dotted around northern California.Home Studios designed the Marconi’s interiorsMariah Nielson, daughter of JB BlunkThe Marshall Store, a Tomales Bay institution, serves regional oysters and crisp sonoma wine at the water’s edge, with a simple setup of benches and clear views. There are only a handful of restaurants in the area and accommodation in Tomales Bay has always been sparse – but a new arrival is shaking things up. The Lodge at Marconi sits on a forested hillside of national parkland and was once a radio outpost of the Marconi company, built in the 1930s to receive telegraph transmissions from across the ocean. The masts have long since come down, the estate remains mostly intact and has had a bucolic redesign by New York-based Home Studios, with retreat-like rooms of spartan design that foreground bishop pines rustling outside the windows. The charcoal-coloured cabins are reminiscent of the sea ranch architectural style found a little further up California’s coast.Local bookshop Point Reyes Books is a West Coast literary landmark; author Robert Macfarlane held a book launch there and brought the town to a standstill. It has passed through various owners, with each successive owner vetted by the last. Its latest custodians are Molly Parent and Stephen Sparks. They keep its shelves stocked with broad lists of new travel writing, photography books and poetic paeans to northern California’s mountains, forests and ocean. “We had fantasised about this bookshop because we would come up here on day trips from San Francisco and came to love this area,” says Parent. “It is the quintessential small-town bookstore.”Samantha Kimmey of Point Reyes BooksArtist Rio KobayashiEven the local newspaper has a story to tell. ThePoint Reyes Lightunearthed the goings-on of a cult called Synanon in the 1970s and helped to have the group shut down. TheLightwon a Pulitzer Prize and gained national attention. It still has a newsroom in town, keeping an eye on community affairs from week to week.Getting out of the city has the potential to reframe one’s creative endeavours. Nothing offers perspective like a little distance. That was particularly true for Evan Shively, who worked as a chef before moving to the hills outside Tomales, hoping to reinvent himself as a furniture designer. He became fascinated by the sculptural qualities of the logs found in northern California and his lumberyard, Arborica, has a renowned inventory of salvaged wood, from burnt eucalyptus to what he calls “baroque” husks sought out by artists including Welsh sculptor David Nash.Helping others realise their vision in wood, Shively explains, has given him a sense of permanence that’s rooted in the landscape of Tomales Bay. “I gave my youth to the kitchen,” he says, as we stop to admire one silvery and dramatic knot of roots. “But I wanted to make something that didn’t disappear at the end of every day.”Shell company“This is a pristine body of water,” says Hog Island Oyster Company co-founder John Finger, after we’ve polished off a few cucumber-flavoured Kumamoto oysters, hauled up from the bay that morning. Finger, the so-called “head hog”, explains that the tides expose the oysters to the open air every day, causing the sweetest part, the central muscle, to thicken and grow as the shell opens and closes.  Originally from Long Island, Finger says that a group including environmentalists and ranchers from the area have prevented Tomales Bay from becoming just another exclusive enclave, a Hamptons of the West Coast. “There’s still that foundation of a working place here,” he says.Catch of the dayThe house of sculptor JB BlunkEvan Shively at ArboricaLounge at The LodgeTomales Bay address bookStayFisherman’s CottageThe couple behind Heath Ceramics have rescued waterside shacks and turned them into a homely retreat.marshallfishermanscamp.comDineSaltwaterServing oysters from the bay and crisp Sonoma wines in a dining room in Inverness.saltwateroysterdepot.comShopMonk EstateLazuli Whitt presents inspiring one-off jewellery pieces from European markets, as well as books and homeware.monkestate.comShopPoint Reyes BooksA bright light of literary northern California with a thoughtful selection of nature and travel writing to inspire local rambles.ptreyesbooks.comSeeBlunk SpaceAn art gallery run by the daughter of sculptor JB Blunk, showing new work relevant to Tomales Bay.blunkspace.com

Personal Finance 2025-12-17 17:48:03

Current refi mortgage rates report for Nov. 10, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.37%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.37%20-year6.42%15-year5.64%10-year5.84%Jumbo mortgages30-year7.09%15-year6.16%FHA loans30-year5.49%15-year5.53%VA loans30-year6.14%15-year6.34%Note thatFortunereviewed the most recent Zillow data available as of Nov. 7.How mortgage refinancing worksA mortgage refinance essentially pays off your existing home loan with a new one. Just like when you applied for a mortgage the first time around, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. Note that this means your credit score will likely take a small hit due to the hard inquiry. And it also means if you don’t meet the lender’s requirements, you can be denied for a refi loan.What’s happening with mortgage rates in the market?Some observers hoped mortgage interest rates would fall in tandem cuts made by the Federal Reserve to the federal funds rate late last year. But, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—looking at the nationwide average for 30-year, fixed-rate loans—for months.Rates have remained well above the pandemic-era lows, when some homeowners snagged loans with rates in the 2% and 3% range. Many remain locked in, unwilling to move or refinance in the current environment. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%.Still, homeowners finally started getting some relief in late August and early September of 2025, when mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting—at which the central bank delivered the year’s first rate cut. The Fed followed up with a second cut to the federal funds rate at the end of October, as well.When it might make sense to refinance your mortgageAs we’ll cover more in the next section, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One common guideline is that if you can get a new rate that’s a full percentage point lower than your current rate, it’s worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% might find it worth their while to refinance if rates drop and they can get a new loan with a 6% rate.It may also be worth refinancing to tap your home equity through a cash-out refi. Note that you’ll typically need to have at least 20% equity in your home for this. So, if you purchased the place with the 5% minimum down payment—or 3% for first-time homebuyers—typically available on conventional loans, it could take a while before you’re eligible for a cash-out refi.Yet another situation where you might benefit from refinancing is to change your loan term. For example, maybe you took out a 15-year mortgage intending to save on interest charges in the long run in exchange for higher monthly payments. But life is unpredictable, and maybe you’ve decided the monthly payments are spreading your budget too thin. Refinancing to a 30-year loan may offer the flexibility to make smaller monthly payments that fit your budget better.There are also cases where it can make sense to switch loan types. If you have an FHA loan with a lifetime requirement to pay mortgage insurance, for instance, refinancing so you can change your mortgage to a conventional loan could provide an opportunity to ditch that insurance cost (called MIP on an FHA loan or PMI on a conventional). Or, if you initially took out an adjustable-rate mortgage (ARM) and you’ve realized you intend to keep the loan for a significant number of years, refinancing to switch to a fixed-rate mortgage might be a smart way to avoid rate hikes when your ARM’s adjustment period kicks in.Costs to refinance your mortgageMuch like a traditional home loan taken out to purchase a property, refinancing a mortgage involves closing costs that run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might  pay anywhere from $6,000 to $18,000 in refi closing costs. Here are some of the costs you might see on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans on the market, and the right one for your needs will depend on what you’re aiming to accomplish and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is the most popular refi option that allows you to lower your interest rate and/or shorten your loan term. While shortening your loan term does typically earn you a lower rate and hefty lifetime interest savings, you’ll be locked into higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by replacing your existing loan balance with a new, larger one and withdraw the difference in cash. You can use the money for home improvements, consolidating high-interest debt or other financial goals.No-closing-cost refinance:With this option, your lender covers your closing costs in exchange for charging you a higher interest rate. If you don’t have cash upfront for closing costs and could otherwise benefit from a refinance, this option may be worth looking into.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, these refi options involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneThere’s no requirement that you refinance with the same lender you got your original mortgage from. Thus, it’s worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stick with them, such as waiving a portion of the closing costs. Since these charges can be an expensive upfront cost, it’s worth checking with your existing lender about incentives—as that might reduce the barrier to refinancing and allow you to refi more easily than you’d otherwise be able to. Finally, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs such as Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-02 12:56:45

Tyneside tech firm Leighton moves to new city centre offices

North East software development company Leighton has relocated its regional headquarters to a prime office scheme in Newcastle city centre. Leighton, which specialises in building software products and optimising processes for customers, had been based at The Core at Newcastle Helix, but has now moved its head office to the 14-storey Bank House in Pilgrim Street. The company has taken space within the Cubo offices, the top two floors of the building that the flexible workspace provider opened up last year. Leighton reached a significant milestone as it celebrates the growth of its team to 100 colleagues following another year of sustained growth. The office – the first site for Cubo in the North East – gives members a 360-degree panoramic view of the city’s skyline. The company said it saw a 31% increase in revenue during its 2024 financial year and is set for another year of record performance at the end of the 2025 financial year, with projected growth in the double figures, through its work with customers including British Airways, Atom Bank, Equans, IAG Loyalty and Greggs. James Bunting, CEO at Leighton, said the relocation reinforces its commitment to maintaining headquarters in the North East while supporting its growing hybrid workforce, who will be able to take advantage of Cubo’s national network of locations. Mr Bunting said: “This transition marks a significant milestone for Leighton, as we continue to invest in an environment where our team and customers can come together to thrive, collaborate and innovate. Access to Cubo’s office network across the UK is important to us as it will ensure all of our team will have access to spaces where great work happens, and our culture comes to life. It also reflects our ongoing commitment to retaining a headquarters in the North East and supporting the growing tech sector in the region.” Last year the business made key strategic appointments, which included welcoming Lee Gilmore as principal solutions architect, and Clare Gledhill as chief consulting officer to lead on the company’s consultancy offering. Mr Gilmore added: “The tech sector in the North East is a growing hub and we’re only going to see more focus, business, and talent around what is already a thriving sector. It’s great to be working with like-minded individuals who are so invested in cultivating and growing the amazing talent already working in the region.”

Travel 2025-12-02 06:28:47

Four of our favourite French Riviera hotels that offer a peaceful break from the crowds

It’s hard not to be seduced by the French Riviera – a sun-drenched coastline where cerulean waters meet terracotta towns. Sure, it’s also known for flashy Ferraris but a more considered visit takes in its timeless elegance, hilltop views and quiet coves. Here, you’ll find our selection of hotels offering tranquility away from the summer crowds of the Côte d’Azur. And to help you find your feet, the head concierge at Hotel du Cap-Eden-Roc, Antonio Casinhas-Travassos, shares his under-the-radar recommendations for those keen to venture out from one of these peaceful bases. Into the blue: View over Menton(Image: Alamy)For a leisurely walk, Travassos suggests Le Sentier du Littoral, a coastal path that starts at Plage de la Garoupe. “It offers dramatic views of the Mediterranean, hidden coves and a surprisingly wild natural landscape,” he says, adding that “it’s especially magical at sunrise or sunset, and parts of it feel completely untouched by tourism.” Though it’s more of a leisurely stroll than a mountain hike, Travassos suggests decent shoes as some parts are rocky and can be slippery.If you’re considering prizing yourself away from squashy mattresses and coveted loungers for a daytrip, Travassos encourages a visit to Saint-Paul-de-Vence, a picturesque hilltop village full of artistic heritage. His highlight? Exploring the Fondation Maeght, a modern art museum tucked away in a peaceful pine forest, featuring works by Joan Miró, Alberto Giacometti and Marc Chagall. “After the museum, I love heading to Château Saint-Martin & Spa for a leisurely lunch. The setting is breathtaking, with panoramic views over the Riviera, and the cuisine is as refined as the surroundings. It’s the perfect blend of culture, history and indulgence – all just a short drive away.” If that’s enough to tempt you to the Riviera this summer, here’s some hotels that we’re sure you’ll find more than suitable.The best stays in the French Riviera1.NiceBefore heading west from the airport, it’s worth spending some time in Nice’s Hôtel du Couvent. Its 2024 opening has been part of the city’s major revival, which has been drawing a cooler crowd. When the owner, Valéry Grégo, stumbled upon the magnificent building, it was totally dilapidated. The former nunnery was completely overhauled by husband-and-wife design duo Charlotte de Tonnac and Hugo Sauzay, with decor that includes wooden furniture, modest paintings and natural linens. It is understated and restrained, unlike anything that you might expect to find on a coastline otherwise dominated by glitzy villas and over-the-top hotels. Though the property is set in the centre of Nice, it feels worlds away from the busy city. Below ground, you’ll even find peaceful Roman baths. 2.AntibesWhen you eventually decide to head west, make your way straight to Hotel du Cap-Eden-Roc in Antibes, which remains one of the area’s most timeless and elegant escapes. The ocean-facing hotel, set on a 22.5-acre property with a grove of ancient pine trees and a carefully clipped rose garden, has been a staple along the coastline since the late 1800s. It has a storied past, once welcoming guests such as Ernest Hemingway and Marlene Dietrich. In the 1960s, Chagall famously sketched inside the oceanside cabanas, which are rentable today.The hotel remains a draw for those shying away from the spotlight and crowds. The rooms – either in the main house or down by the ocean – offer complete privacy, with windows and doors that frame the turquoise sea. At The Grill restaurant, patrons order magnums of rosé and platters of fresh fish. Those looking for even more peace and quiet can check into the newly opened Villa La Guettière, a nine-suite Provençal-style house on 6,500 sq metres of secluded gardens, which is a two-minute drive away and forms part of the hotel’s villa collection. Inside the terracotta-roofed cottage, walls are lined with staggering artworks such as a painting by Tom Wesselmann and a print by Takashi Murakami. Days here are spent lounging by the pool that rolls onto a lawn or eating long lunches under the wisteria-covered patio backed by the Med.Beyond compare: Hotel du Cap-Eden-Roc(Image: Romain Reglade)Don’t miss the boat: Seaside dining(Image: JM Sordello)3.Théoule-sur-MerChâteau de Théoule, which opened in 2024, also offers a surprising pocket of calm from the chaos. Set in an old soap factory about 30 minutes’ drive from Cannes, in the town of Théoule-sur-Mer, the property is carved into the cliffside. Relaxation is the order of the day here, whether it’s soaking up the sun on rosy-pink sunbeds under fringed umbrellas on a private slice of the Plage du Château, or lingering over a steaming bowl of squid tagliatelle in the restaurant’s breezy terraces. 4.Saint-RaphaëlContinuing even further west, those looking for something more low-key can check into Les Roches Rouges in Saint-Raphaël, which was recently expanded by Paris-based studio ASL. A bright white mid-century building with nods to modernist architecture, the studio kept the spaces simple, allowing its surroundings – the shimmering Mediterranean and red hills of the Estérel – to shine. The infinity pool is a treat in itself, offering incredible views over an endless sea. Mellow yellow: Les Roches Rouges(Image: Benoit Linero)Cane reaction: The lounge(Image: Bureau APO)On the rocks: Seawater pool(Image: Bureau APO)Want more stories like these in your inbox?Sign up to Monocle’s email newsletters to stay on top of news and opinion, plus the latest from the magazine, radio, film and shop.Your EmailSubscribe

Personal Finance 2025-12-24 03:21:46

You can earn up to 5.00% APY in a high-yield savings account on Nov. 10, 2025

The best high-yield savings accounts offer annual percentage yields (APYs) that are well above average. Many of the top rates available on November 10, 2025 are above 4.00%, and one or two are still around 5.00%.Inflation rates have been edging higher and the U.S. economic outlook is cloudy. That means the Federal Reserve has held off on rate cuts for the past several months—but finally proceeded with the first rate cut of the year at its September meeting, citing slowing job gains. Then, the central bank made a second cut in October.While savings account APYs remained relatively stable during the first part of the year, they may well dip in light of the recent cuts, especially if financial institutions anticipate a third reduction when the Fed meets in December.Whether you’re looking for a better return on your savings, or just want to open a new account for a new financial goal,Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates available on November 10, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; 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} #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best savings account rates on November 10, 2025: Earn up to 5.00% APYThe best high-yield savings account rate of 5.00% can be found at Varo Money. Axos Bank and SoFi also offer highly competitive rates.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their savings. Here are the highest savings account rates:FDIC average national deposit rates January 2020 to presentChoosing a high-yield savings account guarantees that you can beat the low average rates offered by most savings institutions in the U.S. The national average savings rate right now is 0.40%. This is down from 0.47% in March 2024, months before the Fed reduced interest rates in late 2024.High-yield savings account news in 2025The Fed’s decision to lower interest rates last year had an immediate impact on savings accounts. Average savings rates tend to follow the lead of the federal funds rate: When the Fed raises its benchmark rate, banks generally raise APYs on savings accounts to remain competitive. Conversely, when the central bank cuts rates, savings account yields decline.Just keep in mind that while this correlation is true for average rates, individual banks decide to raise or lower their savings account APYs based on a variety of factors beyond just Fed rates. These include their own financial goals, promotions for attracting new customers, and other market conditions. Beware, banks can change your savings account APY at any time, for any reason.The Fed cut the federal funds rate three times in Q4 of 2024, reducing it to 4.25%-4.50%. Then, it reduced the rate by a quarter percentage point each time at its September and October 2025 meetings, to where it currently stands at 3.75%-4.00%.Banks may have incentive to reduce their APYs in light of this and the possibility of one additional cut when the Fed meets in DecemberWhy should you choose a high-yield savings account?To be clear, there’s no such thing as a special class of bank accounts called “high-yield savings accounts.” There’s simply a group of U.S. financial institutions that tend to offer savings account rates that are much higher than the industry average. Financial experts call them high-yield savings accounts.For example, while the average savings rate in the U.S. is 0.40%, many high-yield savings accounts offer rates above 4.00%—that’s something like 10 times the average rate.Banks that offer conventional savings accounts with lower rates tend to have bricks-and-mortar branch networks and offer a full suite of deposit and lending products. Meanwhile, institutions that offer high-yield savings accounts are typically online banks with a very limited menu of other banking products and no access to physical branches.People who want the highest possible returns on their savings should opt for a high-yield savings account. They often have no minimum balance requirements or monthly fees, making them an ideal choice for your emergency fund or short-term financial goals. Online banks are insured by the Federal Deposit Insurance Corp. (FDIC), providing the same protection as conventional banks.Before choosing a savings account, consider the following factors:Interest rates:Look for competitive APYs to maximize your earnings.Low or no minimums:Many high-yield accounts have no minimum balance requirements.No monthly fees:Avoid accounts with monthly maintenance fees that can eat into your savings.Accessibility of funds:Ensure you can easily withdraw or transfer money when needed—some banks have withdrawal limits and charge fees for foreign ATMs.Security and insurance:Verify that the account is FDIC-insured.No matter what type of savings account you hold, you can expect to pay taxes on any interest you earn.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; 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In short, your bank or credit union can change it at their discretion. However, it’s typically a useful rule of thumb that when the Federal Reserve raises or lowers its benchmark federal funds rate, financial institutions are likely to increase or decrease the rates they offer consumers accordingly.Should I switch banks if I find a savings account with a higher rate?The brief answer is “maybe.” There isn’t a limit to the number of savings accounts you can have at different institutions. But, keep in mind there may be a minimum deposit requirement to earn an account’s max APY. You’ll also want to evaluate how dramatic the difference in rate is and whether the increased interest you’d earn is worth the effort to make the change.For example, depositing $1,000 in an account with a 4% APY and leaving it there for a year without additional deposits might earn you approximately $39.98 in interest. If the same account had a 4.5% APY, you might earn $44.98 under the same circumstances.How easy is it to withdraw money from a HYSA?This can vary by institution. But in general, many banks will let you link external accounts digitally, so initiating a transfer should be something you can do with a few clicks. Note that while it’s not a federal restriction any longer, a lot of institutions still enforce the cap of six withdrawals from your savings account per statement cycle.Should I choose an online-only bank for my HYSA?Because they’re able to keep costs associated with brick-and-mortar locations down, an online-only bank might be able to offer a higher APY than you’re likely to find elsewhere. For that reason, they’re well worth considering when you’re shopping around for a high-yield savings account.Can I lose money in a high-yield savings account?Before you open an account, make sure your savings will be insured by the Federal Deposit Insurance Corporation (FDIC) if the account is with a bank or the National Credit Union Administration (NCUA) if the account is at a credit union. That should protect you against losing money.It’s also worth noting that money in a savings account is not at risk of a loss in the same way as money invested in the stock market. However, your money could still lose purchasing power if inflation outpaces your account’s APY.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-27 23:10:23

Apple faces £3bn legal challenge from Which? over alleged Icloud competition breaches

Consumer rights organisation Which? has lodged a £3bn lawsuit against Apple, accusing the tech giant of breaching UK competition law with its iCloud services. Which? alleges that Apple has been favouring its own iCloud storage services and making it challenging for customers using Apple devices to utilise alternative data storage providers, as reported by City AM. The claim, submitted to the Competition Appeal Tribunal, suggests that customers are effectively locked in as Apple does not permit them to store or back-up all their phone's data with a third-party provider. Consequently, iOS users have to pay for the service once they exceed the free 5GB limit. Which? argues that this lack of competition results in consumers being overcharged annually on their monthly iCloud subscription fees. The lawsuit points out that Apple has increased the price of iCloud for UK consumers by between 20 per cent and 29 per cent across its storage tiers in 2023. Which? is now seeking damages for affected Apple customers who have used iCloud services since 1 October 2015. The group estimates that individual consumers could be owed an average of £70 depending on the duration they have been paying for the services. Anabel Hoult, chief executive of Which?, has claimed that Apple customers are due nearly £3 billion due to the tech giant's imposition of its iCloud services on consumers and stifling competition from rival services. "By bringing this claim, Which? is showing big corporations like Apple that they cannot rip off UK consumers without facing repercussions." she stated. A similar case against Apple regarding this issue is already underway in the US, but it has not yet reached a conclusion. In response to the claim, an Apple spokesperson defended the company's practices: "Apple believes in providing our customers with choices. Our users are not required to use Icloud, and many rely on a wide range of third-party alternatives for data storage."

Personal Finance 2025-12-23 12:16:37

Does Capital One offer personal loans?

In need of a personal loan? Your first instinct may be to run to a prominent financial institution like Capital One. After all, it offers top-tier credit cards, free checking accounts, excellent high-yield savings accounts, and more. Capital One doesn’t currently offer personal loans. Still, that doesn’t mean you can’t open a personal loan under the Capital One umbrella. We’ll explain exactly what you can and can’t get with Capital One—and suggest some alternative personal loan options, too.Does Capital One offer personal loans in 2025? Again, Capital One no longer offers personal loans. It also stepped out of the residential mortgage game in 2018. In fact, Capital One only offers a few types of installment loans: auto, small business, and commercial. Otherwise, if you’d like to borrow money from Capital One, it will be in the form of a revolving credit line like a credit card—of which Capital One offers some of the best on the market. Credit lines are different from traditional personal loans in a few ways, such as: Credit lines aren’t paid back in fixed installments.Instead, you’ll typically be subject to  minimum payments dictated by your balance. Credit lines offer an ongoing solution to borrowing money.With a personal loan, you’ll receive an upfront chunk of money that you’ll gradually pay off. With a credit card, you can borrow as little or as much as you want at any given time (up to your credit limit), and your borrowing power will replenish when you pay down your balance. APR is often higher with credit lines.Personal loans are a great option for a large expense that you can’t soon pay off, as they often come with more reasonable interest rates than a credit card. Alternative lenders for a personal loan While you can’t get a Capital One-branded personal loan, Capital One acquired Discover in May 2025. Discover issues personal loans between $2,500 and $40,000, with loan terms from 36 to 84 months. It also advertises interest rates between 7.99% and 24.99%. As a borrower, the fact that Capital One technically owns these loans won’t affect your experience; you’ll still have to apply through Discover. It’s just worth mentioning that Discover and Capital One are one company. Beyond this, other lenders that make an appearance on our list of the best personal loans in 2025: LightStream and Wells Fargo. Here’s a quick look at what each has to offer.Loan amountsRatesRepayment termsLearn moreLightStream$5,000-$100,0006.49%-24.89%Up to 240 monthsView offerat MoneyLionWells Fargo$3,000-$100,0006.74%-26.49%Up to 84 monthsView offerat BankrateLightStreamView offerat MoneyLionLoan amounts$5,000-$100,000Rates6.49%-24.89%Repayment termsUp to 240 monthsWells FargoView offerat BankrateLoan amounts$3,000-$100,000Rates6.74%-26.49%Repayment termsUp to 84 monthsLender details checked Oct. 29, 2025 and subject to change.How to find the best personal loan for your situation If you’re looking for a personal loan, you won’t find what you need through Capital One. So as you shop for your ideal loan, consider the below factors.  Loan amount Each lender will stipulate a range of amounts you can borrow. Some ranges are narrower than others. Identify the amount of money you need and find financial institutions that offer that amount. For example, if you need $60,000, but a lender only offers a maximum of $40,000, it’s likely not the right choice for you. Loan term A loan term is simply your repayment period. If you’ve got a loan term of 36 months, that means you’ve got three years to pay off your loan. A personal loan will break up your monthly payment into equal installments. This means that the shorter your loan term, the higher your monthly payment will be. Find a lender that offers a loan term resulting in monthly payments that you can afford.  Interest rate Another important variable is APR. You may have an acceptable loan amount and term, but if you’re being charged nightmarishly high interest, it could still be a bad deal. Check the proposed interest of your would-be loan to decide if you’re paying an unreasonable amount for the privilege of borrowing money. Fees Choose the loan with the least amount of ancillary fees. Some banks charge origination fees, account setup fees, early payoff fees, etc., and some banks charge none of these. When you find a few loans that fulfill your needs in all areas, choose the one with the least amount of fees. The takeaway Capital One doesn’t offer personal loans. They offer auto, small business, and commercial loans. If you want to borrow money from Capital One for anything else, you’ll have to open a Capital One credit card (which is a revolving line of credit—not a traditional installment loan). You can still open a personal loan with Discover (which Capital One acquired in 2025), but you must apply via official Discover channels, and the loan will be branded as a Discover loan. Otherwise, read our post on the best personal loans to find a suitable lender for your needs. Frequently asked questionsCan I use a Capital One credit card as an alternative to a personal loan?Yes, you can use a Capital One credit card to borrow money for purchases similar to a personal loan—but it’s probably not a good idea. Credit cards typically charge significantly higher interest rates than traditional personal loans, so they’re a bad option to finance a large purchase. Can I get a cash advance from Capital One instead of a loan?Yes, you can initiate a cash advance with your Capital One credit card instead of a loan. But again, the APR and fees associated with a cash advance will cause you to pay more in the long run. Cash advances should be an absolute last resort.Are there personal loans available through Capital One’s affiliates or partners?There are personal loans available through Capital One’s subsidiary, Discover. You can open a personal loan up to $40,000 with terms up to 84 months. What credit products does Capital One offer instead of personal loans?Instead of personal loans, Capital One offers credit cards. It also offers auto loans, small business loans, and commercial loans.Did Capital One ever offer personal loans in the past?Yes, Capital One offered personal loans in the past but has since shuttered the division.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-14 10:53:16

Fertile ground: Lanzarote’s business boom

Lanzarote is known as the “island of 1,000 volcanoes” and its dramatic landscapes are vivid reminders of nature’s power. “Don’t worry – only one of the volcanoes is considered active,” says longtime resident Adrián Nicolás von Boettinger, as he leads Monocle through Lagomar, an architectural marvel built into an old rock quarry. At first glance, Lagomar’s façade barely registers as part of a building. The semi-subterranean structure features rooms, tunnels and terraces; only the balconies, stairs and footbridges, which cut into the rock surface, offer a sense of structure, while looking like beads of icing flowing down the side of an uneven cake.Lagomar encapsulates how Lanzarote, the easternmost of the Canary Islands, has grabbed the design world’s attention since the 1960s with its idiosyncratic combination of oddity and invention. Its lava-hewn landscapes are arresting spectacles that can help to unlock architects’ imaginations; the inhospitable landscape, however, also prompts sobering civic discussions. The island has long been grappling with questions of how to live within its limitations and make the most of tourism without being overwhelmed.With his sister, Tatyana, Von Boettinger took over the Lagomar property from their parents, architects from Germany and Uruguay, who bought the cliffside home in a state of disrepair in 1989. “There was so much mystique surrounding the building that they put down a deposit for it without even stepping inside,” says Tatyana, who adds that it was once home to Egyptian film star Omar Sharif.View from LagomarAfter a gun-toting squatter was politely paid to leave the premises, the site underwent several years of structural improvements. In 1997 the house finally reopened as an architectural museum; more recently it was renovated as a restaurant, bar and music venue (plans for an artist’s residency are also in the works). It’s a microcosm of the island’s identity crisis: a vision for the future that’s firmly anchored to the past.Lagomar is unique but in some ways it isn’t alone. Since the 1960s the island has walked a tourism tightrope in order to transform an agrarian society into a modern one, while trying to balance economic and ecological sustainability. From the 1960s to the late 1980s, artist and sculptor César Manrique was the island’s visionary-in-chief and, in effect, its architectural art director. Aghast by the postwar construction boom on neighbouring islands Tenerife and Gran Canaria, Manrique championed an ethos for Lanzarote that honoured the landscape, preserved tradition and resisted harmful development. He also designed scores of the traditionally inspired structures hewn into the island’s almost extra-terrestrial looking rocks.Decorative tilesStairwell at Mirador del RioManrique’s less-is-more vision often sat uncomfortably with the island’s financial and political ambitions. The tourism sector, in particular, bridled at the idea of being constrained by an artist’s whims. Over the years, many hotels of varying standards were built and entire coastal towns turned into holiday resorts – much to the chagrin of Manrique, who agitated for restraint until his death in 1992.To some, the artist and sculptor’s message was nuanced and prescient; to others, however, it was plain confusing. The house where he lived between 1968 and 1988, built into a petrified lava field, is now the base of his eponymous foundation. Among its exhibits is a video of Manrique warning about the island’s existential decay and criticising various beachfront hotels, mostly in front of the kind of visitors who stay in such places. It’s unclear whether his fervent approach was persuasive or just made those listening feel unwelcome.“It’s not tourists that people are tired of,” says restaurateur Georgia Coles. “We love them and live off them. The problem is the tired model of tourism.” Today is the soft-opening of her new venture, La Lapa, and the first-day fluster is palpable. Coles steadies the ship, keeping an eye on the hungry guests in the dining room, while telling Monocle about some of the local tensions in the front bar. “In summer the taps in some of Lanzarote’s towns run dry but then we see hotels’ water supply safeguarded,” she says. “Residents can feel like their concerns are secondary.”This delicate balance – between local and visitors’ interests, between too many tourists and too few – is on everyone’s lips. “Lanzarote teaches you how to live with very little,” says Zoe Barceló, an art director from Alicante who started a new life here with his partner, Geo Giner, a fashion designer from Barcelona. They tell us about their previous work lives, in which demanding deadlines meant more than 10 hours of screen time a day. “This is sort of a pre-retirement,” says Giner with a grin, gesturing at his surroundings. Looking for a rental property, the couple found a run-down toolshed andperrera(a house for hunting dogs). They have transformed both into an impressively appointed modern home and studio.“We have seen more people coming to the island looking for peace, sometimes silence,” says Giner. But life didn’t stay quiet for long for the pair, whose new landscape-inspired clothing brand, Latitud Fuego, taps into the surf culture that’s thriving in coastal towns such as Caleta de Famara. Selling pieces sourced mainly from Portugal but embroidered by a Lanzarote-based artist, they started with 200 garments, which quickly sold out. The couple also juggle consulting work with other small businesses, helping to upgrade menus, signage and merchandise. “Manrique remains an inspiration,” says Barceló. “His legacy gives the island a conscience.”Gina and BarcelóFor those working Lanzarote’s crater-strewn land, Manrique-style ideas of minimal intervention are more than just theoretical, given how difficult it is to cultivate crops here. Self-taught winemakers Eamon López O’Rourke and Laura Fábregas Camacho are the married couple behind a winery called Cohombrillo. The 13-hectare site hosts bi-weekly tastings in a garage. “Our techniques help us to make do with very little,” says O’Rourke. “We try to stay attuned to the limitations and wisdom of the land. Lately, we have been getting a lot of visitors from Japan who are curious about how we cultivate the volcanic soil.” He points to a pallet loaded with 300 bottles earmarked for export to Asia, underlining what that means for business.María José Alcántara Palop is the director of MIAC, a fort turned-modern art museum, as well as of Lanzarote’s biennale. The current edition, which runs until 30 June, features excursions around volcanoes that morph into panel discussions and performances staged inside “teleclubs” – rural bars known for bringing the first televisions to the island’s remote villages. “Lanzarote needs more artists and more spaces – to be more courageous and insistent, even in the face of resistance from a bureaucracy that’s stuck in its ways,” says Palop, who worked with Manrique when he was younger. “He taught us to be bold, to honour the island’s singularity. He envisioned Lanzarote as a beacon for creativity.”Room at Villa TenorYves Drieghe and Bert Pieters swapped their 20 sq m rooftop garden in Belgium for a 20,000 sq m hillside farm near the town of Los Valles. They refurbished the farmhouse, transforming it into a residence for writers, painters and makers that they named Hektor. Guests are encouraged to adhere to the island’s logic. “Small is beautiful,” says Drieghe. “Nature and the locals require respect.” The farm has gradually also become a kind of animal shelter, with a donkey, a duck, two pigs, some sheep and Frits the dog wandering the grounds.Older generations of residents have been welcoming of new arrivals, as long as they respect the island and its people. “In our case, we held up a mirror to the beauty of their community and what they did so well,” says Drieghe, pointing to farming practices that harness the soil’s mineral richness despite the paucity of rainfall. “Meanwhile, artists bring with them new visions about what the island is and what it could be.”Kamezi restuarantPrior to this, Drieghe and Pieters ran an agency overseeing big projects, a small magazine shop and a café. “It’s no wonder we were stressed,” says Pieters, laughing. They apply their new stripped down life philosophy to the artists staying in Hektor, who don’t have to submit works at the end of their residency. “We have removed all of the pressure,” says Drieghe. “The same goes for us: there’s no intention to expand.”Lanzarote address bookStayThe Martínez family turned the estate of César Manrique’s grandfather into the 20-key César Lanzarote hotel, operated by the Annua Signature group. There’s also Casa de Las Flores, Palacio ICO and Buenavista Lanzarote. Serviced residences such as Villa Tenor offer more privacy.EatKamez í was awarded the island’s first Michelin star. Its Basque founder and architect Koldo Agurren designed a row of sea-facing domed structures where guests can enjoy a drink before tucking into a dinner prepared by no fewer than 16 chefs. Other high-end restaurants, such as SeBe and La Tegala, have more of the playful flair that the Canaries are known for. La Lapa in Arrecife is a fresh take on a traditional seafood café. Further south, Bodega de Uga offers an excellent wine selection and satisfying meaty dishes.DrinkWinemaker Cohombrillo’s tasting sessions offer more than just insights into wine and cheese: they also reveal aspects of the island’s character. Hand-picked grapes are carried down the mountain on foot. “I call our type of viticulture ‘heroic winemaking’, because it has an enhanced human touch,” says co-founder Laura Fábregas Camacho. Also visit micro-brewery and bar Cervezas Nao in Arrecife.SeeA tour of Manrique’s architectural masterpieces is essential. With architect Jesús Soto, he made fantasy a reality in standout works including Jameos Del Agua, Mirador del Río, the MIAC museum’s sea-facing restaurant and the Monumento al Campesino.Getting your bearingsThe easternmost of the Canary Islands, Lanzarote (population: 163,000) is 125km off the north coast of Africa and 1,000km south of Spain. Its capital, Arrecife, is in the south. The airport serves 84 European destinations. Taxis are fine for towns but the best way to see the island is by renting a car.

Personal Finance 2025-12-01 08:03:01

You can get up to 5.00% APY on the best high-yield savings account on Nov. 5, 2025

Now’s a great time to open up a new savings account to reach your financial goals. Many of the best savings account rates on the market are above 4.00%, and a few outliers may even reach close to 5.00%.Rising inflation and economic uncertainty prompted the Federal Reserve to pause further rate cuts over the past several months. But that changed at the central bank’s Sept. 16-17 meeting, when the Fed cut the federal funds rate by a quarter percentage point. Then, the Fed followed up with another cut at the end of October.Savings account APYs remained relatively stable in the first part of 2025, but are likely to decrease if markets anticipate additional Fed rate cuts. And, with a Fed meeting on the calendar for December, an additional cut is still possible this year.For investors who want to maximize their returns or save for a new financial goal,Fortunehas collaborated with Curinos, a team of financial industry experts, to provide an overview of the most competitive high-yield savings account rates available on November 5, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Quontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesDCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. 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width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #TYxYqMxRpIbqiISM .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #TYxYqMxRpIbqiISM .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #TYxYqMxRpIbqiISM .product-list { display: flex; flex-flow: row wrap; } #TYxYqMxRpIbqiISM .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #TYxYqMxRpIbqiISM .description { font-size: 12px; line-height: 18px; } #TYxYqMxRpIbqiISM .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #TYxYqMxRpIbqiISM .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #TYxYqMxRpIbqiISM input.chk-btn + label { padding: 10px 11px; } #TYxYqMxRpIbqiISM .check-elem { margin: 3px; } #TYxYqMxRpIbqiISM.minFilter .check-elem.annuity { display: none !important; } #TYxYqMxRpIbqiISM.minFilter .check-elem.businesschecking { display: none !important; } #TYxYqMxRpIbqiISM.minFilter .check-elem.view-btn { display: none; } #TYxYqMxRpIbqiISM.minFilter input.chk-btn + label { padding: 10px 11px; } #TYxYqMxRpIbqiISM .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #TYxYqMxRpIbqiISM input.chk-btn + label { padding: 10px 8px; } #TYxYqMxRpIbqiISM.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #TYxYqMxRpIbqiISM input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #TYxYqMxRpIbqiISM.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #TYxYqMxRpIbqiISM .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #TYxYqMxRpIbqiISM.loadingMessage .sh-loading-msg { display: block; } #TYxYqMxRpIbqiISM.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #TYxYqMxRpIbqiISM .sh-loading-msg { font-size: 18px; } } #TYxYqMxRpIbqiISM .mobile { display: none; } #TYxYqMxRpIbqiISM .sh-hide { display: none; } #TYxYqMxRpIbqiISM .desktop { display: block; } #TYxYqMxRpIbqiISM .desktop-inline { display: inline-block; } #TYxYqMxRpIbqiISM .row-1, #TYxYqMxRpIbqiISM .row-2 { display: flex; } #TYxYqMxRpIbqiISM .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #TYxYqMxRpIbqiISM .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #TYxYqMxRpIbqiISM .row-2 .listing-description { padding: 24px 23px; width: 100%; } #TYxYqMxRpIbqiISM .logo-image-wrapper { margin: auto; width: 196px; } #TYxYqMxRpIbqiISM .logo-column { display: flex; align-items: center; } #TYxYqMxRpIbqiISM .logo-image-wrapper img { width: 100%; height: auto; } #TYxYqMxRpIbqiISM .ad-copy { margin-left: 24px; } #TYxYqMxRpIbqiISM .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #TYxYqMxRpIbqiISM .listing-description .disclosure-content { margin-top: 0px; } #TYxYqMxRpIbqiISM .logo-column.flex-container { flex: 0 0 20%; } #TYxYqMxRpIbqiISM .ad-copy-column.flex-container { flex: 0 0 78%; } #TYxYqMxRpIbqiISM .top-section-right { margin-left: 5px; } #TYxYqMxRpIbqiISM .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #TYxYqMxRpIbqiISM .ad-copy { margin-left: 24px; } #TYxYqMxRpIbqiISM .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #TYxYqMxRpIbqiISM .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #TYxYqMxRpIbqiISM .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #TYxYqMxRpIbqiISM .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #TYxYqMxRpIbqiISM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #TYxYqMxRpIbqiISM .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #TYxYqMxRpIbqiISM .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #TYxYqMxRpIbqiISM .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,PHN2ZyBpZD0iYXJyb3ctcG9pbnQtdG8tcmlnaHRfMl8iIGRhdGEtbmFtZT0iYXJyb3ctcG9pbnQtdG8tcmlnaHQgKDIpIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2LjkzNiIgaGVpZ2h0PSIxMi4xNjciIHZpZXdCb3g9IjAgMCA2LjkzNiAxMi4xNjciPg0KICA8cGF0aCBpZD0iUGF0aF8xMDYiIGRhdGEtbmFtZT0iUGF0aCAxMDYiIGQ9Ik0xMDMuODI1LDYuNjg2bC01LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMS0xLjIwNS0xLjJsNC42MjktNC42MjlMOTcuMzg4LDEuNDU0YS44NTIuODUyLDAsMCwxLDEuMjA1LTEuMmw1LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMSwwLDEuMloiIHRyYW5zZm9ybT0idHJhbnNsYXRlKC05Ny4xMzkgMCkiIGZpbGw9IiNmZmYiLz4NCjwvc3ZnPg0K"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #TYxYqMxRpIbqiISM .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #TYxYqMxRpIbqiISM .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #TYxYqMxRpIbqiISM .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #TYxYqMxRpIbqiISM .disclosure-contnr { text-align: center; } #TYxYqMxRpIbqiISM .listing-header-cntnr { margin-top: 34px; } #TYxYqMxRpIbqiISM .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #TYxYqMxRpIbqiISM .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #TYxYqMxRpIbqiISM .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #TYxYqMxRpIbqiISM .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #TYxYqMxRpIbqiISM .apy-label { font: normal normal 900 24px / 28px Roboto; } #TYxYqMxRpIbqiISM .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #TYxYqMxRpIbqiISM .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #TYxYqMxRpIbqiISM .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #TYxYqMxRpIbqiISM .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #TYxYqMxRpIbqiISM .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #TYxYqMxRpIbqiISM .additional-content { margin-top: 0px !important; } #TYxYqMxRpIbqiISM .additional-content ul li { margin-bottom: 0; } #TYxYqMxRpIbqiISM .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #TYxYqMxRpIbqiISM .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #TYxYqMxRpIbqiISM .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #TYxYqMxRpIbqiISM .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #TYxYqMxRpIbqiISM .shArrow { width: 12px; height: 7px; } #TYxYqMxRpIbqiISM span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #TYxYqMxRpIbqiISM .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #TYxYqMxRpIbqiISM .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #TYxYqMxRpIbqiISM #see_more_carrier, #TYxYqMxRpIbqiISM .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #TYxYqMxRpIbqiISM .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #TYxYqMxRpIbqiISM .apy-label p { margin-top: 0px; margin-bottom: 0px; } #TYxYqMxRpIbqiISM .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #TYxYqMxRpIbqiISM { padding: 0 26px; } #TYxYqMxRpIbqiISM .logo-image-wrapper { width: 136px; } #TYxYqMxRpIbqiISM .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYxYqMxRpIbqiISM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYxYqMxRpIbqiISM .prop-value-container .apy-container { flex: 0 0 44%; } #TYxYqMxRpIbqiISM .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYxYqMxRpIbqiISM .ad-copy-top-section { margin-bottom: 15px; } #TYxYqMxRpIbqiISM .sh-row-product-title { max-width: 136px; } #TYxYqMxRpIbqiISM .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #TYxYqMxRpIbqiISM .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #TYxYqMxRpIbqiISM .logo-image-wrapper { width: 100%; max-width: 292px; } #TYxYqMxRpIbqiISM .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #TYxYqMxRpIbqiISM .ad-copy { margin-left: 0; } #TYxYqMxRpIbqiISM .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #TYxYqMxRpIbqiISM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #TYxYqMxRpIbqiISM .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #TYxYqMxRpIbqiISM .see-more-text { padding: 16px 15px; } #TYxYqMxRpIbqiISM .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #TYxYqMxRpIbqiISM .top-section-right { margin-left: 0px; } #TYxYqMxRpIbqiISM .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #TYxYqMxRpIbqiISM.sizeone .header-section { padding: 6px 10px; } } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .row-1 { padding-left: 14px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .prop-value-container .mfee-container #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #TYxYqMxRpIbqiISM.sh-box650.device-desktop .row-1, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .row-1 , #TYxYqMxRpIbqiISM.sh-box650.device-desktop .row-2, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .row-2 , #TYxYqMxRpIbqiISM.sh-box500.device-desktop .row-1, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .row-1 , #TYxYqMxRpIbqiISM.sh-box500.device-desktop .row-2, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .row-2{ display: unset; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .prop-value, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#TYxYqMxRpIbqiISM.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#TYxYqMxRpIbqiISM.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#TYxYqMxRpIbqiISM.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #TYxYqMxRpIbqiISM .shmktpl-title, #TYxYqMxRpIbqiISM .sub-heading-container, #TYxYqMxRpIbqiISM .filter-check-options-cntnr, #TYxYqMxRpIbqiISM .listing-header-cntnr { display: none; } #TYxYqMxRpIbqiISM.title .shmktpl-title, #TYxYqMxRpIbqiISM.subHeading .sub-heading-container, #TYxYqMxRpIbqiISM.multiSelectFilter .filter-check-options-cntnr, #TYxYqMxRpIbqiISM.resultsText .listing-header-cntnr { display: flex; } #TYxYqMxRpIbqiISM.sizeone .add-overlay-content { width: 62%; height: auto; } #TYxYqMxRpIbqiISM.sizeone .disclosure-title { padding: 6px 0px; } #TYxYqMxRpIbqiISM.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #TYxYqMxRpIbqiISM .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #TYxYqMxRpIbqiISM.sizeone .title-container { margin-top: 0; } #TYxYqMxRpIbqiISM.sizeone .non_featured_list { margin-top: 0; } #TYxYqMxRpIbqiISM.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #TYxYqMxRpIbqiISM.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #TYxYqMxRpIbqiISM .item { flex: 1 1 calc(50% - 48px); } #TYxYqMxRpIbqiISM .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #TYxYqMxRpIbqiISM .item:nth-of-type(4n+3), #TYxYqMxRpIbqiISM .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #TYxYqMxRpIbqiISM .item:nth-of-type(4n+1), #TYxYqMxRpIbqiISM .item:nth-of-type(4n+1) + * { background-color: #fff; } #TYxYqMxRpIbqiISM .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #TYxYqMxRpIbqiISM .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #TYxYqMxRpIbqiISM .desktop, #TYxYqMxRpIbqiISM .desktop-inline { display: none; } #TYxYqMxRpIbqiISM .mobile { display: block !important; } #TYxYqMxRpIbqiISM { padding: 0 18px; } #TYxYqMxRpIbqiISM .shmktpl-title { font-size: 24px; line-height: 29px; } #TYxYqMxRpIbqiISM .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #TYxYqMxRpIbqiISM .add-overlay-content { width: 80%; height: auto; } #TYxYqMxRpIbqiISM .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #TYxYqMxRpIbqiISM .row-1 { flex-flow: column; padding: 16px; } #TYxYqMxRpIbqiISM .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #TYxYqMxRpIbqiISM .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #TYxYqMxRpIbqiISM .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #TYxYqMxRpIbqiISM .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #TYxYqMxRpIbqiISM .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #TYxYqMxRpIbqiISM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #TYxYqMxRpIbqiISM .prop-value { margin-top: 0; } #TYxYqMxRpIbqiISM .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #TYxYqMxRpIbqiISM .non_featured_list { margin-top: 18px; } #TYxYqMxRpIbqiISM .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #TYxYqMxRpIbqiISM .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #TYxYqMxRpIbqiISM .item:nth-child(3n), #TYxYqMxRpIbqiISM .desktop-bg { background: none; } #TYxYqMxRpIbqiISM .prod-desc-popup-content { padding: 0; } #TYxYqMxRpIbqiISM .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #TYxYqMxRpIbqiISM .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #TYxYqMxRpIbqiISM .disclosure-content ul { padding-left: 14px; line-height: 28px; } #TYxYqMxRpIbqiISM .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #TYxYqMxRpIbqiISM .additional-features { flex: 0 0 100%; } #TYxYqMxRpIbqiISM .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #TYxYqMxRpIbqiISM.sizeone .listing-header-cntnr { display: none; } #TYxYqMxRpIbqiISM.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #TYxYqMxRpIbqiISM .prod-desc-popup-content { position: fixed; } } #TYxYqMxRpIbqiISM.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #TYxYqMxRpIbqiISM.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #TYxYqMxRpIbqiISM.listingAlignment .logo-image-wrapper img { width: 100%; } #TYxYqMxRpIbqiISM.listingAlignment { padding: 0px; } #TYxYqMxRpIbqiISM.listingAlignment .listing-title { font-size: 14px; } #TYxYqMxRpIbqiISM.listingAlignment .listing-title span { font-size: 14px; } #TYxYqMxRpIbqiISM.listingAlignment .row-1 { padding: 26px 10px; } #TYxYqMxRpIbqiISM.listingAlignment .prop-name { font-size: 10px; } #TYxYqMxRpIbqiISM.listingAlignment .prop-value { font-size: 14px } #TYxYqMxRpIbqiISM.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #TYxYqMxRpIbqiISM.listingAlignment .logo-column.flex-container { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .prop-conatiner { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .ad-copy-column.flex-container { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .cta-column.flex-container { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .disclosure-content ul li::before { content: unset; } #TYxYqMxRpIbqiISM.listingAlignment .disclosure-content ul li { list-style: disc; } } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #TYxYqMxRpIbqiISM.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #TYxYqMxRpIbqiISM.ctaAlignment .cta-column.flex-container { display: block !important; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button { font-size: 16px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #TYxYqMxRpIbqiISM .sh-no-listing-msg { padding: 20px 0px; } #TYxYqMxRpIbqiISM .sh-widget-footer-MBT { display: none; } #TYxYqMxRpIbqiISM.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #TYxYqMxRpIbqiISM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYxYqMxRpIbqiISM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #TYxYqMxRpIbqiISM .sh-widget-footer-QS { display: none; } #TYxYqMxRpIbqiISM.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #TYxYqMxRpIbqiISM.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYxYqMxRpIbqiISM.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title, #TYxYqMxRpIbqiISM.customizeColorEffect .prop-name, #TYxYqMxRpIbqiISM.customizeColorEffect .prop-value, #TYxYqMxRpIbqiISM.customizeColorEffect .curDate, #TYxYqMxRpIbqiISM.customizeColorEffect span.current-date, #TYxYqMxRpIbqiISM.customizeColorEffect .disclosure-content ul li, #TYxYqMxRpIbqiISM.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #TYxYqMxRpIbqiISM.customizeColorEffect .add-text, #TYxYqMxRpIbqiISM.customizeColorEffect .see-more-text, #TYxYqMxRpIbqiISM.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #TYxYqMxRpIbqiISM.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #TYxYqMxRpIbqiISM.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #TYxYqMxRpIbqiISM.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #TYxYqMxRpIbqiISM.sizeone.customizeColorEffect .header-section, #TYxYqMxRpIbqiISM.customizeColorEffect .row-2 { background: #E9F0EC; } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title { display: unset; } #TYxYqMxRpIbqiISM.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title .prod-name:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .add-text:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .disclosure-contnr .text:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .see-more-text:hover { color: #EB0017; } #TYxYqMxRpIbqiISM.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #TYxYqMxRpIbqiISM.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #TYxYqMxRpIbqiISM.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title { display: block; } #TYxYqMxRpIbqiISM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #TYxYqMxRpIbqiISM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #TYxYqMxRpIbqiISM .sh-right-arrow { display: none; } #TYxYqMxRpIbqiISM.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #TYxYqMxRpIbqiISM.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #TYxYqMxRpIbqiISM.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #TYxYqMxRpIbqiISM{position:relative;}.add-overlay-content{right: 4%;}#TYxYqMxRpIbqiISM .shmktpl-button span.btn__text::after{display:none;} #TYxYqMxRpIbqiISM .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #TYxYqMxRpIbqiISM .shmktpl-button:hover{background:#0E86DE;} #TYxYqMxRpIbqiISM .add-text:hover {color:#0E86DE;} #TYxYqMxRpIbqiISM .listing-title .prod-name:hover{color:#0E86DE;} #TYxYqMxRpIbqiISM .disclosure-contnr .text:hover{color:#0E86DE;} #TYxYqMxRpIbqiISM .see-more-text{width:68px} #TYxYqMxRpIbqiISM .see-more-text:hover{color:#0E86DE;} #TYxYqMxRpIbqiISM .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings account rates on November 5, 2025: Earn up to 5.00% APYVaro Money has the best savings account rate, offering up to 5.00% APY. Savers can also earn very competitive rates with Axos Bank, Presidential Bank, and SoFi.As part of our ongoing commitment to help readers optimize their savings,Fortunecontinuously monitors the top rates offered by leading U.S. financial institutions. Compare the top savings account rates below:FDIC average national deposit rates: January 2020 to presentThe rates listed above are significantly higher than the national average of 0.40% that you’ll find on many accounts. And after the Fed’s recent rate cuts this average has been falling, down from a previous high of 0.47% in March 2024.Savings account news in 2025The Federal Reserve’s monetary policy decisions play a key role in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the APYs offered on savings accounts to remain competitive. Conversely, when the central bank lowers rates, savings account yields generally decrease.At present, the federal funds rate stands at 3.75%-4.00%. It long remained at 4.25%-4.50% after the December 2024 meeting, but the central bank made a quarter percentage point cut when it met in September and then cut by another quarter percentage point in October.It’s possible we’ll see savings account APYs dip, especially if banks anticipate the Fed may cut its benchmark rate again at the scheduled December meeting.Still, bear in mind that the linkage between Fed rates and savings yields isn’t always so direct. Banks adjust their savings rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Here’s why finding high-yield savings account is importantThe key difference between high-yield and traditional savings accounts lies in the interest rate offered; High-yield accounts typically provide rates 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is 0.40%, many of the high-yield accounts on our list offer rates above 4.00%.Traditional accounts often come with physical branch access but lower rates, while high-yield accounts are typically offered by online banks. They feature higher rates but no option for in-person services. Just remember that no matter what type of account you have, you’ll owe the IRS a portion of the interest earned.Substantially higher interest rates aren’t the only perk you get from these accounts, either. They’re often free from minimum balance requirements or monthly fees. Your liquid funds remain easily accessible, making them ideal for emergency funds or short-term savings goals. And these online accounts are still FDIC-insured, providing the same protection as traditional banks.When comparing savings accounts, keep these factors in mind:Interest rates:Look for competitive APYs to maximize your earnings.Minimum balance requirements:Many high-yield accounts have no minimums.Fee structure:Avoid accounts with monthly maintenance fees.Fund accessibility:Ensure easy withdrawals or transfers when needed, preferably without charging foreign ATM feesSecurity:Verify FDIC insurance coverage.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?The frequency with which your high-yield savings account’s rate changes isn’t set in stone. Financial institutions can update APYs at their discretion, but changes are commonly linked to moves in the federal funds rate set by the Federal Reserve.Should I switch banks if I find a savings account with a higher rate?If you find a higher APY elsewhere, it might be smart to switch, but only after checking if the extra interest earned would be substantial and if the new account’s terms (for example, minimum deposit requirements) fit your needs.How easy is it to withdraw money from a HYSA?It’s typically simple to take money out of a HYSA, especially assuming your bank offers digital transfers. Just know that even though federal limits on withdrawals have been lifted, some banks continue to restrict you to six per statement cycle.Should I choose an online-only bank for my HYSA?Online banks frequently offer more competitive yields on savings accounts, so they’re a great place to look when searching for the best high-yield options.Can I lose money in a high-yield savings account?With FDIC or NCUA insurance, your principal in a HYSA is secure up to the insurance max. However, if the account’s APY is lower than inflation, your money’s buying power could decrease over time.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-22 04:09:05

Current price of gold as of November 10, 2025

The price of gold was trading at $4,089 per ounce as of 9:10 a.m. Eastern Time on November 10, 2025. There’s no price difference compared to yesterday and an over $1,470 increase from a year ago. Gold price per ounce% ChangePrice of gold yesterday$4,0890%Price of gold 1 month ago$3,989-2.45%Price of gold 1 year ago$2,619-35.95%Price of gold yesterdayGold price per ounce$4,089% Change0%Price of gold 1 month agoGold price per ounce$3,989% Change-2.45%Price of gold 1 year agoGold price per ounce$2,619% Change-35.95%If you’re looking for an investment that is not tied directly to the variance of inflation, gold may be the right choice. In general, gold as an asset is typically expected to increase in value over time. One of the most common ways to purchase and manage gold is through a gold IRA, which can serve as a steadying force in a portfolio amid volatile markets. This may also be a good choice for those who want to invest in gold without the challenge of having to make storage arrangements for physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold is not always a home run investment. In a strong economy, stocks can perform better in the short and long term. From 1971 to 2024, the stock market delivered average annual returns of 10.7%. Gold delivered an average annual return of 7.9% over the same period.However, during times of economic uncertainty, gold is a solid option as a risk-averse investment. For this reason, some may prefer to think of it as a store of value as opposed to an investment in the way that stocks and bonds are.What does “spot gold” mean?The spot gold price is the price to buy or sell gold immediately in an over-the-counter trade. This is an effective way for investors to monitor the demands and trends of gold investment at that time. Simply stated, a higher spot gold price means there is higher demand for gold in the marketplace. Notably, unlike futures contracts, the spot price is for an immediate sale.  When the future price is higher than the spot price, it is called contango. This is common when investing in commodities that have a high storage cost. When the futures price is lower than the spot price, it is called backwardation.There are plenty of different factors that can impact the spot price, which is why that figure is constantly shifting up and down. Those looking to invest in gold need to be able to deal with this level of price fluctuation.What is price spread in gold trading?A price spread is the difference between an asset’s offered purchase price vs. the price offered to sell it. Similarly, in gold investing, the two key terms are ask price and bid price. The ask price is how much it costs to buy the gold, while the bid price is how much it can be sold for. Bid prices are always lower than ask prices.The lower the spread between these two prices, the more liquid the market is. If there is a relatively small spread, that means the demand for gold is on the rise.How to invest in goldIf investing in gold immediately leads to an image of Scrooge McDuck olympic diving into a pile of coins, that’s only half right. While there are opportunities to buy physical gold bars, coins or jewelry, gold is often traded as exchange-traded funds (ETF).James Taska, a fee-based financial advisor, said, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.” Some of the most common ways to invest in gold include:Gold bars:Often referred to as bullion, this is a popular gold investing method. Offered on a per gram or ounce basis, other qualities including purity, weight, and manufacturer are typically stamped on the face of the bar. Similarly, you may encounter gold rounds.Gold coins:These are collectible coins, such as the American Gold Eagle coin. These often are sold at a higher price than bars of the same weight because they are viewed as collectibles with limited availability in the marketplace.Gold jewelry:Jewelry typically comes with aesthetic, external and subjective value, so the price may be significantly higher than the standard weight value. Gold futures contracts:A futures contract states that the investor will buy a specified amount of gold for a defined price at a future date. Futures allow investors to speculate on the price of gold in the future without needing to handle the actual physical product. Gold funds:These are mutual funds or ETFs that own gold assets. Like other ETFs in a stock portfolio, you can purchase shares in gold funds or any other mutual fund investment, and their value fluctuates based on the changes in the underlying portfolio of assets.Is it a good time to invest in gold?Ultimately, there is a relative subjectivity in determining if now is a better time to invest in gold compared to other periods. However, using gold as a way to diversify your existing portfolio can mitigate the impact of market volatility.In the current economy, gold continues to offer stability in a highly volatile period for the stock market. Prices have risen to all-time highs, with the price rising over 25% since the start of 2025, fueled by ongoing inflation and economic uncertainty. Many experts agree this is a good time to diversify your portfolio with gold.Current precious metals pricesas of 9:10 a.m. ET on November 10, 2025Precious MetalPrice per ounceGold$4,089Silver$50Platinum$1,575Palladium$1,411GoldPrice per ounce$4,089SilverPrice per ounce$50PlatinumPrice per ounce$1,575PalladiumPrice per ounce$1,411Silver, platinum, and palladium are popular precious metals that investors can hold in portfolios in addition to gold. Gold is typically less volatile than silver, which can have a large price range even within a 24-hour period. Additionally, because silver is a more common resource used across different industries, it is more sensitive to external economic changes.Platinum and palladium are in the same boat as silver. Investors can use these rare metals as a way to diversify a portfolio, but be wary that there is typically much more fluctuation than with gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; 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font-weight: 600; } }The takeawayThe U.S. economy has been in flux for several years now, and the current period of extended inflation has had a major impact. Gold can serve as an inflationary hedge in an investor’s portfolio. Additionally, because of the variance of acquisition methods, gold can be a relatively easy asset to accumulate based on an investor’s comfort level and interest. Whether you purchase gold as an IRA or as a more active investment account, investing in gold may help achieve both short- and long-term investment objectives.Frequently asked questionsWhat is the best way to own gold?Many investors are buying gold via ETFs, which allows for a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a good investment for investors looking to diversify their portfolio and get a hedge against inflation. There are many ways to buy gold, making it easy to access the investment.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value for the weight of gold compared to a bar. Collectible and historical significance can make coins a more attractive asset to some investors. Additionally, U.S. minted coins might help protect investors from the risk of getting fake bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-08 23:59:00

You can earn up to 4.20% APY. Check out the best CD rates on Nov. 4, 2025

You can still earn a great return on a certificate of deposit, just don’t wait to deposit your money. As the Federal Reserve cut interest rates three times in 2024, average CD yields fell lower. They largely stabilized in 2025 as the Fed held off on more rate changes—but the central bank finally made a cut in September, and another at the end of October.The best CD rates return up to 4.20% annual percentage yield. That means you could lock in strong rates for years if you funded a certificate right now, depending on the term that’s best suited to your financial goals. With another Fed meeting coming up in December and another rate cut possible at that point, there’s no time to waste.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 4, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a 4.20% APY on a six-month CD but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the best CD rates available on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with many of the bank names mentioned above, there’s a straightforward reason. CDs typically don’t generate substantial income for major financial institutions on their own.Large, national banks like Chase, PNC, and U.S. Bank focus on attracting customers through more profitable products, such as loans and credit cards, rather than CDs. As a result, the interest rates offered on CDs at these banks are often much lower than those available at smaller regional banks or online institutions. Additionally, to secure a good rate at these larger banks, you may be required to open other deposit accounts or deposit much higher minimums.CD rates news 2025Investors need to recognize that average CD rates rise and fall in close alignment with Federal Reserve monetary policy changes, specifically fluctuations in the fed funds rate. It's crucial for those investing in CDs to monitor the central bank's policy shifts to anticipate potential rate changes.Last year, the Fed cut the fed funds rate three times, leaving it at 4.25%-4.50% as of December 2024. High inflation from the post-pandemic period was cooling off, and the central bank tapered rates to help the economy stay on track. CD yields fell from two-decade highs as the Fed reduced rates.Those 20-year highs in CD yields were themselves a result of the Fed’s rate hike campaign of 2022 and 2023. Inflation gains were hotter than at any time since the early 1980s, thanks to the economic disruptions of the pandemic. Between March 2022 and July 2023, the Fed raised interest rates 11 times, from zero to 5.25%-5.50%, to help tamp down inflation.After holding pat on rate cuts for most of 2025, the Fed finally cut the federal funds rate to 4.00%-4.25% at its Sept. 16-17 meeting, then cut it again to 3.75%-4.00% on Oct. 28-29. The Fed's next meeting is slated for Dec. 9-10.Keep in mind that CD rates aren't far from their recent peaks, and you still have the chance to lock in competitive rates on both short-term and long-term CDs. By contributing a larger lump sum to your CD investment, you can achieve considerable interest earnings.Historical CD ratesIn the early 1980s, CD rates soared into double digits, starkly contrasting rates in 2025. By 2019, however, the APY for a five-year CD was just above 3.00%.Throughout the early 2020s, top rates generally stayed below 1.00% APY. Recently, we saw a period of rising rates, with the best offerings exceeding 5.00% APY for 1-year CDs. These are beginning to fall slightly, but are still much higher than pre-pandemic times.How to get a good CD rateDetermining a "good" CD rate depends on balancing the highest rate with your ability to keep funds locked for the term. For example, a 5.00% APY CD over five years might not be ideal if you need liquidity sooner or if rates rise, leaving you with a lower return. Generally, rates above the national average are worthwhile. Compare rates across banks for your desired term to find the best option.Key factors to evaluate when comparing CDs include:Term length:Ensure it matches your savings goals and timeline.APY:Higher rates are usually offered for longer terms.Penalties:Understand the costs associated with early withdrawals.Minimum deposit:Ensure you meet the required minimum balance.Deposit insurance:Verify Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) coverage.Additionally, online banks typically offer higher interest rates—but check for any minimum balance requirements and associated fees. Opting for a bank rather than a broker might help avoid unnecessary fees.Look into offerings from online banksOnline banks and financial technology companies (fintechs) typically offer better rates than national banks. Large financial institutions generate revenue primarily through interest on loans, fees, and investments in securities.Alternatively, smaller banks and online fintech companies attract new customers by offering competitive APYs on deposit accounts. Additionally, online banks usually have lower overhead costs, enabling them to provide better rates to their clients.Set up a CD ladderCD ladders are ideal for savers reluctant to lock in their money for long periods of time. By splitting savings across CDs with varying maturities, you can enjoy both short-term access and higher long-term rates.For example, you could invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, reinvest the money into a new 3-year CD. This strategy provides annual access to your money plus the interest earned.SponsoredAdvertiser Disclosure Advertiser Disclosure:Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.FastBreak™ : Guaranteed AnnuityPROMO:Best for High DepositsProduct DisclosureProduct DisclosureAnnuity rates are subject to change at any time, and the rate mentioned may no longer be current. Please visit Gainbridge.io for current rates, full product disclosures, and disclaimer. Withdrawals above the 10 percent free withdrawal amount subject to a withdrawal charge and market value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity; instead, it is taxed annually. FastBreak™ : Guaranteed AnnuityPROMO:Best for High DepositsAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on FastBreak™'s website4.90%36 mos$1000View DetailsAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on FastBreak™'s website5.00%60 mos$1000View DetailsQuontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. 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text-align: left; max-width: 400px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-promo, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-promo, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-promo-offer-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-promo-offer-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-fdic-dis-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-fdic-dis-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .mobile-bottom-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .mobile-bottom-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #WzUJIcQWCfKIZoSI.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #WzUJIcQWCfKIZoSI.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #WzUJIcQWCfKIZoSI.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #WzUJIcQWCfKIZoSI .sh-row-container.sh-apy-value { height: 24px; } #WzUJIcQWCfKIZoSI .sh-title-container { height: 45px; } #WzUJIcQWCfKIZoSI .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #WzUJIcQWCfKIZoSI .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #WzUJIcQWCfKIZoSI .sh-first-product .sh-title-container { height: 72px; } #WzUJIcQWCfKIZoSI .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #WzUJIcQWCfKIZoSI .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #WzUJIcQWCfKIZoSI .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #WzUJIcQWCfKIZoSI .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #WzUJIcQWCfKIZoSI .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #WzUJIcQWCfKIZoSI .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #WzUJIcQWCfKIZoSI .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #WzUJIcQWCfKIZoSI.loadingMessage .sh-loading-msg { display: block; } #WzUJIcQWCfKIZoSI.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #WzUJIcQWCfKIZoSI .sh-loading-msg { font-size: 18px; } } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-container { align-items: center; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #WzUJIcQWCfKIZoSI .sh-row-product-title.sh-bank-name { display: none; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #WzUJIcQWCfKIZoSI .sh-gb-banner.sh-promo { display: none !important; } #WzUJIcQWCfKIZoSI.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #WzUJIcQWCfKIZoSI.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #WzUJIcQWCfKIZoSI.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #WzUJIcQWCfKIZoSI.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Types of CDs you should know aboutDifferent types of CDs serve various needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. Brokered CDs typically offer higher APYs than traditional CDs because they are issued by banks and then sold to brokerages.Callable CDsinclude a call feature that allows the issuing institution to terminate the CD before its maturity date. If this feature is exercised, investors receive their principal and any accrued interest up to the call date.Bump-up CDsallow you to request a higher APY if interest rates rise after you've opened the account. You can usually adjust the rate once or twice during the CD's term.No-penalty CDsdo not impose penalties for early withdrawals before maturity. This type is less common and may offer lower APYs than traditional CDs.Jumbo CDsrequire a minimum initial deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because decreasing interest rates before maturity can lead to a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-20 01:56:10

Becoming tolerant of food intolerances is knowing that it’s none of your business

It’s pretty rare, as a restaurant critic, that I become immersed in the niceties of theological debate – but that’s the rabbit hole in which I found myself recently. At an Anglican Eucharist service in Cambridge, I heard the priest issue a warning from the pulpit that anyone intolerant to gluten should not step forward to receive the host.Some of the greatest schisms in the church have developed around the complexities of transubstantiation – whether, at what point and how the blessed bread and wine transform into the actual body and blood of Christ. There is a gigantic quantity of writing about the practical details. I willingly plunged in to find out.The Church teaches that to be valid, the Eucharist “must be offered with bread and with wine in which a little water must be mixed”. The Code of Canon Law specifies that bread “must be only wheat, and recently made so that there is no danger of spoiling”. So can you have a “gluten-free host”? Not if it’s made solely from wheat, as prescribed. And so, faced with the awful possibility of having to opine on whether the flesh of the son of God, at the point of transubstantiation, is fully gluten-free, Canon Law has stuck with the marginally less controversial ruling that coeliacs shouldn’t take communion. My point? If you think religious law is confused, take a look at the hospitality sector.As well as writing about food, I run a café and bakery. In common with many of my colleagues in the hospitality industry, we handled the food-intolerance issue badly at first. We were baffled, incredulous and often angry when a vast surge of allergies and sensitivities presented themselves in our dining rooms. When the hell did everyone start thinking that a bakery was a good place to expect gluten-free food? Nut allergies and anaphylaxis, we could handle, we were trained. Besides, we reasoned to ourselves, people with EpiPens had always known how to handle themselves. But this new stuff was uncharted territory.And then the law changed. Governments across Europe began legislating for product labelling and new service behaviours across the food industry to meet the problem. The costs of complying were astronomical, the cost of failure unimaginable. For a while, the genuine rage in the industry was palpable. We knew that allergies were a serious issue; they always had been. But now law was being written pandering to the worried, the neurotic and the self-diagnosers. Ask any front-of-house staff and even today they’ll have 100 war stories of customers ordering an egg-white omelette “with no egg” or finishing a diligently prepared gluten-free meal by spontaneously diving into the chocolate cake. And it’s not just a few tales retold; every single person working in hospitality had regular experience of customers “crying wolf”. Then things changed again.It’s difficult to pinpoint any exact moment. Certainly, as the numbers increased, everyone knew people with intolerances or allergies personally. Allergies and intolerances affected everyone. In supermarkets and food manufacturing, the changes in labelling progressed. You couldn’t miss the aisles of “free-from” food and the increasingly detailed labels wherever you shopped. But hospitality required more nuanced changes in attitudes and behaviour.Today, the question arrives right at the top of the order of service: “Does anyone at the table have any allergies we should know about? Let me get you some menus.” Your preferences are carefully noted and acted on. Restaurants now talk about “dietaries” in the same way they talk about wine preferences or whether a customer is a decent tipper. There’s no more judgement of an individual customer avoiding hot spices or members of the nightshade family than there would be of avoiding peanuts or pork. We’re geared up for it now, and whether your preference reflects millennia of your culture or something you heard last week from a very thin person on Tiktok – be it a diagnosed medical condition or a complete whim – it’s nobody’s damn business but yours as an individual.Is this a sign that the hospitality industry has grown up a bit? Well, yes, but customers have changed too. High-maintenance punters still delight in giving staff the run-around with complicated requirements but there have always been people like that. Before they realised that they could request “nothing red on the plate”, they would have been complaining about the noise of the air-conditioning, the proximity of the bathroom or deploring the placement of a side plate. They’ll always be with us. Meanwhile, the eternally fretful “picky eaters” have moved on to part-time veganism, fear of carbohydrates or plant-based dietary demands. There’s still a long way to go but, importantly, a more mutual trust has grown and people with genuine allergies or intolerances are beginning to feel heard.Perhaps the best indicator of this is the presence on menus, along with a slew of “free-from” options, of the ubiquitous quiet announcement, “While we try to ensure that our products are made without allergens, they may be used in our kitchens. Please ask your server for details.” This isn’t a disclaimer; it’s a discreet invitation to talk. You want to see exactly what allergens are in every dish on the menu, sure. We have a stack of spreadsheets as thick as a loaf of bread. But we can sort this out a lot more comfortably with a 30-second chat, at the end of which everyone feels heard, understood and, above all, safe.There’s a model in psychoanalytic theory called Transactional Analysis, which posits that both sides in a relationship will occupy one of the three “ego states”: parent, adult or child. If one participant acts like a child, the other is inclined to, or sometimes forced into, acting like a parent, and vice versa. In therapy, the aim is to achieve a simple equilibrium, a grown-up state where I, as an adult, speak to you, also an adult.For a long time, the hospitality industry, shocked by the pace and manner of change, behaved like children, refusing to take responsibility for the food we served, forcing the customers to do all the grown-up thinking. Sometimes, customers behaved like children, expecting the industry to cater automatically to their every imagined need, forcing us to take control and responsibility.Today it feels as though we might finally be communicating, talking about a shared responsibility like adults. It’s a more relaxed and hospitable state of affairs. We care about you as guests; you trust us as hosts. It’s how it was always supposed to be. And that should have our blessings.About the writer:Hayward is an award-winning British writer, broadcaster, restaurateur and “unrepentant food geek”. His latest book, Steak: The Whole Story, was published in 2024 by Quadrille.

Personal Finance 2025-12-18 18:43:32

What’s the difference between a personal loan and a home equity loan—and which is best for you?

If you’re in need of a considerable chunk of money for purposes such as debt consolidation, emergency expenses, or home renovations, you’ve likely been busy researching the best type of loan for your situation. Two popular options are personal loans and home equity loans. Both give you cash upfront with flexible repayment terms. But they vary in several important ways. Let’s look at the differences between a personal loan and a home equity loan—and help you to decide which suits your financial goals. What is a personal loan? A personal loan is an installment loan that gives you a chunk of money upfront. You can open a personal loan with many banks, credit unions, and online lenders and use the money for (nearly) any purpose. If it’s a legal transaction, there are very few guardrails for how you can use your funds. When you open a personal loan, you’ll automatically be given a repayment plan of equal monthly installments until the loan is paid off. Interest is baked into each payment. The size of your monthly installment will depend on the amount you’ve borrowed, the length of your repayment term, and your unique interest rate. Most personal loans are “unsecured,” meaning you don’t need to provide collateral to be approved. The lender will instead examine details like your credit score, debt-to-income ratio, etc. to decide if you’re creditworthy. Pros and cons of a personal loan N/AProsNo collateral requirementUse your funds for just about anythingLoan doesn’t count against your credit utilizationConsOccasional ancillary feesRepayment terms not as generous as some other loan types (such as home equity loans)Often capped at $100,000 borrowing limitWhat is a home equity loan?A home equity loan (also referred to as a second mortgage) is similar to a personal loan in a few ways. You’ll receive a lump sum upon opening an account and you’ll be automatically enrolled in equal monthly installments (which include interest) until you’ve repaid the loan. However, opening this loan type is more involved than a simple personal loan. First, you must be a home owner who has built equity in your property. Equity is simply the value of your home minus the amount of your mortgage. For example, if your home is worth $300,000 and you still owe $125,000 on your mortgage, you’ve got $175,000 in equity. Many lenders stipulate that you can borrow up to 80% of your home’s equity (with perhaps some rare exceptions). This means that you must keep at least 20% of your home equity invested in your property. In other words, you can’t borrow equity unless you’ve built more than 20% equity, in most cases. With the aforementioned $300,000 property, you’d need to maintain at least $60,000 in the home. That means you could borrow $115,000 from your current $175,000 in equity. Opening a home equity loan is a process. In most cases, you’ll need to initiate a home appraisal, present documents to be reviewed, wait for underwriting and approval, and eventually sign closing documents. It’s similar to taking out a mortgage. Pros and cons of a home equity loanN/AProsInterest rates are generally lower than many other types of loansPotentially borrow more than you could with a personal loanLengthy repayment termsConsYour home is used as collateralThe approval process is comparatively lengthyMinimum equity requirementPersonal loan vs. home equity loan: Side-by-side comparisonPersonal loanHome equity loanRequired collateralNoneHomePotential loan amountUp to $100,000Up to 80% (sometimes 85%) of home valueRepayment termsUp to 12 yearsUp to 30 yearsFeesOccasional origination fees, application fees, prepayment fees, late feesOrigination fees, appraisal fees, credit report fees, title search and insurance fees, document preparation fees, notary fees, loan recording feesCredit score580+620+FundingAs quickly as the same dayTypically 2 weeks to 2 monthsRequired collateralPersonal loanNoneHome equity loanHomePotential loan amountPersonal loanUp to $100,000Home equity loanUp to 80% (sometimes 85%) of home valueRepayment termsPersonal loanUp to 12 yearsHome equity loanUp to 30 yearsFeesPersonal loanOccasional origination fees, application fees, prepayment fees, late feesHome equity loanOrigination fees, appraisal fees, credit report fees, title search and insurance fees, document preparation fees, notary fees, loan recording feesCredit scorePersonal loan580+Home equity loan620+FundingPersonal loanAs quickly as the same dayHome equity loanTypically 2 weeks to 2 monthsHow to decide between a personal loan and a home equity loan Again, personal loans and home equity loans are two of the most effective ways to finance a large purchase, consolidate debt, etc. But which is right for you? Ask yourself the following questions to quickly decide. Are you willing to put up collateral? Perhaps the biggest differentiator between a personal loan and a home equity loan is the risk involved. Of course, you don’t want to default on any loan—but the stakes are higher with a home equity loan, as the lender can ultimately foreclose on your home. How quickly do you need the funds? If you’ve got an emergency expense for which you need cash quickly, a personal loan may be your only option. Several lenders boast the ability to transfer funds to your account within a day or two of account approval. Meanwhile, home equity loans often take weeks to deposit due to the lengthy process involved—from home appraisal to underwriting to closing documents. How much money do you need? Most personal loans are capped at $100,000. If you need more than that, you may find a home equity loan more accommodating, as you can borrow equity equivalent to 80%-85% of your home’s value. Depending on the value of your home, and the amount of equity, you may be able to borrow hundreds of thousands of dollars. That said, if you’ve built little equity in your home, a personal loan may provide a higher borrowing limit. How quickly can you pay back the money? Your repayment term is more than simply a time frame for paying back a loan; it dictates the size of your monthly installments. For example, if you borrow $30,000 with a 10% APR, you’ll pay around: $968 per month with a 3-year term $637 per month with a 5-year term $290 per month with a 20-year term While most lenders offer a maximum term length of 84 months, home equity loan terms can be up to 30 years. The answer as to which type of loan is best for you may depend on the amount of money you can pay each month. It’s worth noting that the longer you take to pay off a loan, the more interest you’ll pay. But just because you’ve got a 20+ year term doesn’t mean you can’t pay off your loan early (and avoid considerable interest). How much interest are you willing to pay? All else being equal, home equity loans tend to come with lower APR. If after answering all the above questions you’re still undecided, go with the loan that offers the more reasonable interest rates. Other ways to finance a purchase There are more ways than a personal loan and a home equity loan to finance a purchase. Here are a few other popular options: Credit card:Great for everyday purchases, credit cards are a poor choice for financing a large expense for which you can’t soon pay off. That’s because their interest rates are often considerably higher. Still, some cards offer 0% intro APR for a year or two—which can potentially save you even more money than a personal loan. Home Equity Line of Credit (HELOC):A cross between a credit card and a home equity loan, a HELOC allows you to open a revolving line of credit by drawing on your home equity. Buy Now Pay Later (BNPL) options:If your purchase is manageable enough to be paid off within a few months, a BNPL service may be a good option. These split your purchase over several interest-free payments. Borrow from a friend or family member:Borrowing from friends and family instead of taking out an interest-incurring loan can be a huge money-saver. Frequently asked questionsWhat is the main difference between a personal loan and a home equity loan?The main difference between a personal loan and a home equity loan is that a personal loan is unsecured and a home equity loan requires that you use your home as collateral. If you default on your home equity loan, you could lose your house.Which has lower interest rates: personal loans or home equity loans? Home equity loans (and most secured loans, for that matter) tend to have lower interest rates than personal loans.What credit score do you need for a personal loan vs a home equity loan?To qualify for a personal loan, you’ll generally need to have a credit score of at least “fair” (580+), while most home equity loans require a score of 620+. Just note that a low credit score can adversely affect your interest rates, borrowing amount, and even term length. If you can, it’s better to wait and open your loan when you’ve got a credit score in the 670+ range.Are there tax benefits to home equity loans vs personal loans?There are tax benefits to home equity loans depending on how you use them (home improvement, for example). Personal loans are not tax deductible. Do personal loans or home equity loans have better repayment terms?Home equity loans have potentially longer repayment terms, giving you more flexibility in the size of your monthly installments. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-11-30 23:52:04

Four new openings for an outstanding summer on the Mediterranean

Food&DrinkLa BouillabaisseSaint-TropezWhen you think of Saint-Tropez, the glitzy party hot spots along Pampelonne beach are what probably come to mind – Nikki Beach, say, with its lively pool area, bustling bar and pumping DJ sets. But to the west of southern France’s quintessential summer destination lies what many of the area’s residents consider to be the town’s real soul: the Plage de la Bouillabaisse. Once known as Saint-Tropez’splage de la mode, the private beach was a favourite stamping ground of the 1960s jet set, with the likes of actress Jane Fonda andnouvelle vaguefilmmaker François Truffaut holidaying on its white sands. Dining on custom-designed director’s chairsLa Bouillabaisse remains a go-to for many in this part of the world – among them Ludovic Moutet, who runs the laid-back, century-old club that gave this beach its name. “La Bouillabaisse brings together the people of Saint-Tropez, whether they own a villa in the surrounding hills or are just back here for their summer holidays,” he says. “These are the folks who loyally return every year to their table, parasol and sunbed. We’re far away from the DJ sets and champagne-fuelled celebrations that you find elsewhere in the area.”When we join Moutet for a mid-morning coffee on the ocean-facing terrace, he is greeting a steady stream of evenly tanned beachgoers flocking to their chosen lounger for a day under the Mediterranean sun. “You come mainly to come back,” he says. The same holds true for the staff: many of them have worked here for years and know the regulars by name, as well as whether or not they take a slice of lemon in their sparkling water. This summer, La Bouillabaisse reopens with a refreshed look, courtesy of Marseille- and Paris-based agency Mews, which has dreamt up a nostalgia-tinged décor complete with a seashell-inspired bar by Bella Hunt&ddc and custom-designed director’s chairs in the dining area.La Bouillabaisse’s bar menuSundowners“We were working in a territory between memory and reinvention,” says creative director Laëtitia Toulouse, whose team took a deep dive into the club’s archives for the redesign. “Our aim was to restore the venue’s deep-rooted identity, while anchoring it in the present – and looking ahead to its future too.” Of course, no beach club would be complete without a place in which to while away the hours and soak up some rays. As we enjoy the scene from the shade, sunseekers stretch out on the loungers lining the beach, while other guests retreat beneath the pastel-blue-and-white-striped parasols.And because swimming and lounging are sure to work up an appetite, the food menu has been rethought, with Julien Sebbag serving up sunny, sharing-friendly specialities from across the Mediterranean. Think grilled aubergine croquettes, broccoli guacamole and stracciatella-drizzled confit red peppers. The self-taught chef is best known for his meat-free options, having made a name for himself with the all-veggie Créatures on the rooftop of Paris’s Galeries Lafayette, as well as picking up plaudits for his omelette-filled challahs athis first-arrondissement sandwich spot, Micho.Summer uncorkedMixed to perfectionHere he has integrated his vegetable-focused menu with a range of seafood classics, such as fried sardines and sole meunière. It’s a nod to La Bouillabaisse’s origins as a restaurant in the early 1900s, long before it welcomed beachgoers with the addition ofcabine de bainsin 1932. Back then, the spot churned out grilled fish, langoustines and, yes, bouillabaisse for hungry holidaymakers and local fishermen alike. Today, La Bouillabaisse is a place to soak up the ambience of the coast: the only soundtrack playing is the clinking of cutlery and the gentle roll of the waves.labouillabaisseplage.frFood&DrinkOli BarCadaquésWhen Catalan chef Vito Oliva opened Talla in 2012, the people of Cadaqués – a town about an hour and a half by car from the southern French city of Perpignan and two hours from Barcelona – didn’t immediately take to his food. “Back then, the area was just beginning to transform,” he tells Monocle. The rugged fishing town was once a haunt of Salvador Dalí and frequented by Pablo Picasso and Joan Miró. It was a place where people were more accustomed to eating the aquatic bounty found along the town’s rocky promontory.Now Oliva has opened Oli Bar with Italian marketing professional Valentina Audisio and Catalan chef Monty Aguiló, who hatched their plan after meeting in London while working for the hospitality group of Extremaduran chef-restaurateur José Pizarro. Oliva and Aguiló had worked in Spain, Germany and Australia over the previous two decades before they cooked up the idea for Talla in Cadaqués.Oli Bar operates from inside a converted oil mill. It serves British-inspiredplatillosincluding scotch eggs and Guinness cake, as well as dishes such as Basque-style seabass and game tartare with Mallorcansobrasadasausage.The wine list is equally eclectic. Drinkers can choose a carafe of Galician albariño, German riesling or a Piedmontese nebbiolo. And instead of Catalanpa amb tomàquet, at Oli Bar you’ll find fresh house focaccia studded with black olives and slathered in irresistible smoked butter from Barcelona-based dairy Rooftop Smokehouse. “When we lived in London, we used to love sitting at the counter at a Thai restaurant therecalled Kiln,” says Audisio. That’s why the stainless-steel bar that encircles an open kitchen is the heart of the dining room.olibarcadaques.comFood&DrinkRadical FarmhouseLiguriaTake a short drive uphill from the pebble beach at Lavagna in Italy’s Liguria region and you’ll soon find yourself in another world. From the gates of Radical Farmhouse, a path winds towards a red stucco villa, in front of which stand tables shaded by a pergola and a canopy of olive trees. From here stretches a smallholding where everything from cherry trees, beans and artichokes to wild strawberries and fragrant herbs is grown.Radical Farmhouse is the new project from Caterina Ravano, who hails from Lugano in Switzerland, and her partner, Segundo Achinelli, from Buenos Aires. “There was a gap in the market,” says Ravano, who launched the business in April. Its farm kitchen is fully vegetarian and sources ingredients almost entirely from the surrounding land. “There weren’t many places like this in Liguria. Our central message is the value of relatively simple food, sharing and understanding the land.”The pair are taking their fledgling farm business step by step as its popularity spreads through word of mouth. There are plans to add accommodation at some point but, for now, olive trees must be pruned and weekend guests be taken care of. “People come here to be outside and in the garden,” says Ravano. “That’s the character of the place.”radicalfarm.bioHospitalityHotel CorazónMallorcaMallorca’s 15-room Hotel Corazón sits on the brow of the rocky Tramuntana, beside a wiggly road that courses down to the hippy- and-rich village of Deià. It is now welcoming guests for its third season, under the watchful eyes of co-owners Kate Bellm and Edgar Lopez. The former is a fashion photographer who has shot for publications such asVogue(think siren-like naked women swimming in the ocean). She and Lopez clearly know how topull a cool crowd. Their house on the hill does away with any primness or need to be on your best behaviour. Instead, it’s a fun spot where models, musicians and other creatives come to holiday.For this summer, the duo have redesigned their dining spaces, including the sunny terrace, with the help of London-based designer and Ballearic regular Tatjana von Stein. Gone are the traditional wooden chairs; in their place are cocooning, circular benches and red-marble tables made by a local stone mason.The food is also a big draw. The hotel’s head chef, Eliza Parchanska, makes good use of produce grown by the farmer in residence, Emma Galea. It’s a partnership that results in bowls of flavoursome salads, dishes strewn with edible flowers and a cheese brioche that will linger in your dreams for days.hotelcorazon.com

Personal Finance 2025-12-23 20:53:31

Current mortgage rates report for Nov. 10, 2025: Rates fluctuate slightly

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.200%, according to data available from mortgage data company Optimal Blue. That’s down about 5 basis points from the prior day’s report, and up 1 basis point from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.200%One week ago6.190%One month ago6.294%30-year jumboCurrent rate6.508%One week ago6.450%One month ago6.475%30-year FHACurrent rate6.068%One week ago6.080%One month ago6.102%30-year VACurrent rate5.747%One week ago5.759%One month ago5.835%30-year USDACurrent rate6.106%One week ago6.128%One month ago6.051%15-year conventionalCurrent rate5.489%One week ago5.403%One month ago5.502%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 7, with the numbers reflecting home loans locked in as of Nov. 6. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession. Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. Then, it made a second cut of the same amount at the end of October.With another meeting set for December, the potential remains for at least one more reduction in the federal funds rate during 2025.How to get the best mortgage rate possibleWhile economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier. Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartRates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high. Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits. Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations. However, the Fed has been slimming down its balance sheet, allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. In other words, even though a lot of attention is focused on when the central bank decides to cut or hike the federal funds rate, what the Fed does with its balance sheet may be even more important for those hoping to snag a lower mortgage rate. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-16 04:35:23

Current refi mortgage rates report for Nov. 6, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.35%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.35%20-year6.41%15-year5.70%10-year5.84%Jumbo mortgages30-year7.13%15-year6.16%FHA loans30-year6.12%15-year4.99%VA loans30-year6.34%15-year6.08%Note thatFortunereviewed the most recent Zillow data available as of Nov. 5.How mortgage refinancing worksBoiled down to the basics, mortgage refinancing involves paying off your existing loan with a new one. This process requires meeting the lender’s criteria as is the case for any loan—including your credit profile, income verification, and debt-to-income (DTI) ratio. The application process may knock your credit score a little bit due to a hard inquiry, and there’s also the risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates might decrease following the Federal Reserve’s cuts to the federal funds rate late last year. But mortgage rates long remained near 7% for 30-year, fixed-rate loans nationwide. Mortgage interest rates remain significantly elevated compared to the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to Redfin. This means a large number of Americans have been experiencing the lock-in effect, unable to move or refinance because they’re hanging onto a once-in-a-lifetime rate. However, some relief came in sight toward the end of August and beginning of September 2025 and continued in October. Mortgage rates trended noticeably downward, averaging closer to 6% for 30-year, fixed-rate loans than had been seen in almost a year. This was largely connected with markets anticipating the Fed would cut the federal funds rate when it met Sept. 16-17.The central bank delivered on this expectation, reducing its benchmark rate by a quarter percentage point in September, and followed up with another quarter percentage point cut in October.When it might make sense to refinance your mortgageRefinancing comes with upfront costs, so it’s important to consider when it’s beneficial. One guideline you’ll often hear is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For instance, if you took out a loan at 7% and rates have since declined, refinancing at 6% would probably be a smart call in terms of long-term savings.You might also refinance to tap into your home equity via a cash-out refinance (which typically requires that you have at least 20% equity built up). Refinancing can also help if you want to change your loan term or switch loan types, such as moving from an FHA loan to a conventional loan to get rid of the FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage to a fixed-rate mortgage to avoid the potential for rate hikes.Additionally, refinancing can be beneficial if you want to adjust your loan term. For example, switching from a 15-year to a 30-year mortgage can allow for smaller monthly payments, which might be more manageable if your financial situation has changed.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable in the terms of your current loan).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the right one for you will depend on what you’re trying to do and what type of mortgage you currently have. Here are some common refi types:Rate-and-term refinance:This is probably the most popular refi, offering the chance to secure a lower interest rate or change your loan term. Just know that if you choose to shorten your loan term, while that does typically come with a lower rate and meaningful lifetime interest savings, you’ll have to budget for higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by paying off your existing loan balance and accepting a new, larger one. You withdraw the difference in cash. That money can then be used for home improvements, consolidating high-interest debt, or virtually any other financial goal you may have.No-closing-cost refinance:Approach this one with a healthy level of skepticism. With this type of refi, your lender covers the closing costs in exchange for charging a higher interest rate. If you don’t have cash on hand for closing costs and could otherwise benefit from a refinance, this option may be worth a look.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, a streamline refi will typically involve less documentation and offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around might potentially help you find better rates and service. That said, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should at least do the due diligence of checking with your existing lender before making a decision. Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-03 21:00:05

Current price of silver as of Wednesday, October 29, 2025

As of 8:15 a.m. Eastern Time on October 29, 2025, silver traded at $48.30 per ounce. That’s up $1.80 from yesterday at this hour and represents a gain of more than $13 over the past 12 months.Silver price per ounce% ChangePrice of silver yesterday$46.50+3.87%Price of silver 1 month ago$46.05+4.88%Price of silver 1 year ago$34.45+40.20%Price of silver yesterdaySilver price per ounce$46.50% Change+3.87%Price of silver 1 month agoSilver price per ounce$46.05% Change+4.88%Price of silver 1 year agoSilver price per ounce$34.45% Change+40.20%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver is not typically a high-growth play. Historically, it trails other investment options, like stocks. From 1921 onward, silver has underperformed the S&P 500 by about 96%. That means an equal sum invested in silver and stocks back then would now be worth 96% less in silver holdings than stocks. Instead, silver is prized for its stability and its power to hedge against inflation. Often dubbed a “store of value,” it tends to sustain purchasing power when inflation climbs. Compared with gold, silver prices generally swing more sharply due to industrial demand—solar equipment, healthcare devices, and more—whereas gold is almost purely a safe-haven asset.What does “spot silver” mean? “Spot silver” refers to the live market rate at which silver can be bought or sold instantly. That said, real-world buyers usually pay a premium over spot for markups, shipping, insurance, and other fees. The spot price serves as a gauge of immediate market demand: a higher spot price means stronger buying interest. What is “price spread” in silver trading? The term “price spread” describes the difference between the buying (ask) and selling (bid) prices for silver. Here’s how those terms are defined. Ask price:the cost to purchase silver. Bid price:the amount you receive when you sell silver. A narrower spread indicates high demand. How to invest in silver Silver exposure can be achieved through physical ownership or via silver-backed exchange-traded funds (ETFs). ETFs let you own a stake in a fund that holds silver, sparing you storage and insurance responsibilities. Key silver investment options include: Bullion bars and rounds.These are sold by weight and purity Government-minted silver coins.Iconic examples include American Silver Eagles and Canada’s Silver Maple Leafs, which often trade at premiums for their rarity and backing. Silver jewelry.Custom pieces that fetch prices above equal-purity bullion. Silver mining equities.Stocks in companies extracting silver, offering a sort of indirect investment in silver. On exchanges, bullion and coins must meet a minimum 99.9% purity. Lower-purity silver generally falls into collectible or industrial categories. 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font-weight: 600; } }Is it a good time to invest in silver? Silver has surged nearly 25% in 2025, hitting its highest levels in over a decade. Deciding whether to invest now depends on your unique attitude toward the market. If inflation is top of mind, adding precious metals can be prudent. Or, if you foresee rising industrial applications—such as electronics—demand could potentially push prices even higher. Current precious metals prices as of 8:15 a.m. ET on October 29, 2025Precious metal Price per ounceGold$4,025.87Silver$48.30Platinum$1,614.55Palladium$1,435.35GoldPrice per ounce$4,025.87SilverPrice per ounce$48.30PlatinumPrice per ounce$1,614.55PalladiumPrice per ounce$1,435.35Gold remains the benchmark metal, while platinum and palladium exhibit volatility patterns similar to silver due to smaller market caps. Gold’s larger market makes it comparatively stable.Pro tipLooking for gold over silver? Explore our picks for the best gold IRA companies.  The takeaway With economic volatility persistent in the current market, precious metals deserve at least a quick look. Silver’s 2025 performance has outshined gold’s, and many experts forecast the likelihood of seeing further upside, potentially pushing silver to record levels. Silver’s lower entry cost compared with gold also makes it an accessible hedge. Whether through physical bullion, ETFs, or mining stocks, you can position yourself to benefit from anticipated silver demand.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Many advisors suggest allocating no more than between 10% and 15% to silver, keeping total precious metal holdings under 20%.Can silver be held in an IRA?Yes—IRA-eligible silver coins and bars (99.9% pure) stored with an IRS-approved custodian qualify. Coins with lower silver content, such as pre-1965 U.S. coins that often have around 90% purity and are known as constitutional silver, aren’t permitted. But of course, silver coins and jewelry that doesn’t hit the 99.9% purity level can still be collected or worn outside of retirement accounts.What’s driving silver prices in 2025? Silver’s ascent this year reflects tight supplies and robust demand from both industrial users and investors.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-11 10:00:36

How to explore Australia’s Great Southern

The 50-minute flight from Perth to Albany, Western Australia, sets a fitting tone for the rural adventure that lies ahead. We head south in a Saab 340, a 34-seater, twin- engine turboprop. Passengers lean across the narrow aisle to chat and the sole flight attendant joins in on the small talk as she hands out tea and biscuits. Later she whips out a pen to tally how many aboard need taxis upon landing.With a population just shy of 40,000, Albany is the largest town in The Great Southern, a region in Western Australia that is dominated by livestock and crops, delicious and underrated wines, and some of the world’s most beautiful, and emptiest, stretches of coastline. The town’s interlocking influences – its swashbuckling, whale- hunting heritage and the genteel elegance of its colonial architecture – give it an unusual charm.It’s also a port, surrounded by great seafood. Our first stop is Ocean and Paddock for fish and chips and catch of the day, which might be grilled snapper, nannygai, which is native to Australian waters, or even hammerhead shark.Monocle hires a car and heads out of town; within minutes, low-lying bungalows give way to fields studded with hay bales and drowsy cattle. We speed west on National Route One, the 14,500km ring road that circumnavigates Australia, spotting kangaroos and emus as we go.Melissa Boughey and David Britten of Moombaki Wines at home on their vineyardOur next stop, an hour’s drive west of Albany, is Moombaki Wines, run by husband and wife David Britten and Melissa Boughey. They moved to The Great Southern 30 years ago and bought about 40 hectares of land – not quite enough to raise cattle but perfect for a small vineyard. They planted shiraz, malbec, cabernet sauvignon and chardonnay, as well as a copse of indigenous tingle trees, which line the driveway and add to the land’s biodiversity. “We love being in nature, growing things and appreciating the seasons,” says Boughey, who is also an artist. “You really notice everything.” Her studio overlooks the valley and its colours and textures inspire her painting. She finds a paper map of the area and sketches a route. We follow her suggestions, wandering under centuries-old trees in the Valley of the Giants and exploring beaches with wide shorelines, lapping waves and not a soul in sight.Valley of the Giants treetop walkWe stop in Denmark, a small town about half an hour’s drive from Moombaki, for that Australian classic, the ham and cheese toastie at a small café, before capping off the day at Elephant Rocks beach, so named for the huge stones that shield bathers from the intimidating waves of the Southern Ocean and provide ideal springboards from which to leap into the turquoise water.For the night, Aiyana Retreat, just outside Denmark, offers private villas and a spa; for a more rustic form of luxury, there are Upland Farm’s chic cabins nearby. We begin the next morning as one must in Australia: with impeccable flat whites and avocado toast at Ravens Coffee in Denmark. After exploring the town, we drive 10 minutes to The Lake House, a winery with a picturesque restaurant and the option to pick up a packed lunch in a hamper for a lakeside picnic. “It ticks all the boxes,” says Gary Capelli, who runs the winery with his wife, Leanne Rogers. He calls Denmark “an idyllic country town”.Olive groves at Alkoomi WinesBack in the car, we pass handwritten advertisements for organic honey and blueberries and spot more kangaroos. We opt for the scenic route through Mount Lindesay National Park. The lush pastoral countryside turns into a sparser, drier beauty as we drive, crowded with thin, fraying spines of jarrah, karri and tingle trees. All of a sudden we’re in open country – no more trees, just low-growing bush and rock – and the dirt track beneath us is the unmistakable red of the Australian outback. Then the red becomes white and we see black husks of trees, survivors of a recent bush fire. We keep going, mesmerised by the starkness. But this is four-by-four terrain and the tyres on our rental are shifting uneasily on the sandy ground, so we turn back – this is not the best place to be stranded with no phone service. Soon after turning around, we pull over to help a holidaying Scottish motorcyclist haul his glossy Honda CB500X out of the deep rut in which it has become mired – a reminder of what might have happened to us. About two hours later we reach Frankland River, a town of about 350 residents that makes Denmark look like Albany, Albany look like Perth and Perth look like Tokyo. We drop into the general store, where a man in a bush hat recommends dinner at the country club across the road. He promises that the food is good; just as well, since it’s the only option in town. We ask whether we need a reservation and he laughs us out of the shop.We’re staying smack in the middle of the vineyards in Alkoomi Wines, in a wooden chalet with a wraparound veranda, built on low stilts to prevent snakes slithering through the door. We dip warm bread into Alkoomi olive oil – we can see the grove from where we are sitting – and sample wines ranging from a springy young riesling to a rich 15-year-old shiraz with co-owner Sandy Hallett, who is the third generation of her family to run the farm. “People love to stay here because it’s remote and quiet,” she says. “You go to sleep and there’s no noise. And it’s so beautiful.”Friendly dog outside the Frankland Farmhouse DinerAfter our “schniti” (schnitzel) and “parmi” (chicken parmigiana) at the country club, we retire to the chalet. It’s a cool night; at some point the light drumming of hail begins its quiet chorus outside. But it’s a peaceful, natural sound and sleep comes deep and easy.We drive into town for breakfast at the Frankland Farmhouse Diner, Frankland River’s newest – and only – café. There are homemade sausage rolls and stacks of the local newspaper,The Franklander, on the counter. We take our coffees outside to sip in the sunshine and, during a lull in service, owner Aleksandar Sasa Bacich emerges for a chat. After 22 years working as a chef in Margaret River, Bacich bought a farmhouse in Frankland River. He has a vineyard and enough olive trees to make his own olive oil for the diner, which opened in October. “I love the pace here,” says Bacich. “In Margaret River right now, the surf is busy, everyone’s kind of stressed. It’s much more relaxed here.”Frankland Farmhouse DinerTuna crudo at Liberté restaurant in AlbanyThe drive back to Albany takes about 90 minutes and completes our triangular route. We visit Blush Retail Gallery, which exhibits artists from The Great Southern. Founder Angie Fryer-Smith, a painter herself, shows us around the space. For dinner we walk down the block to Liberté, a restaurant run by chef Amy Hamilton, who serves cocktails, wine and a seasonal menu of French-Vietnamese sharing plates. Through the bar window we watch the sun set over the bay.A morning flight delay lets us squeeze in one more beach outing – time seems to move slower here anyway. We drive along the bay to Torndirrup National Park on the peninsula, struggling to choose between delightful names: shall we investigate Bald Head, Salmon Holes or Frenchman Bay? In the end we choose Misery Beach. The name speaks to a time when whale blood dyed the sea red during hunting season. Now little is left to divulge Albany’s fierce history: Misery Beach is a stunning, secluded spot, with glassy aquamarine waters, white-gold sand and only a couple other people enjoying the splendid isolation.Beachgoers at Misery BeachThe Great Southern address bookAlbanyEat: LibertéCocktails, wine and French-Vietnamese sharing plates.162 Stirling Terrace, Albany WA 6330See: Blush Retail GalleryA contemporary art gallery showcasing artists from across the Great Southern.York House, 133 York Street, Albany WA 6330Eat: Bred CoA bakery serving sourdough, sausage rolls, pies and pastries. It mills its own flour onsite using The Great Southern grain.15 Albany Highway, Albany, WA 6330DenmarkVisit: Butter Factory StudiosAn art gallery and artists’ studios in an old butter factory.10/12 Mount Shadforth Road, Denmark WA 6333Eat: Bar TarifaFor tapas and live music.89 Strickland Street, Denmark WA 6333Drink: Moombaki WinesDrop by the cellar door for an excellent wine-tasting at a boutique family-run winery. 341 Parker Road, Kentdale WA 6333Frankland RiverStay: Alkoomi WinesWine, olive oil and vineyard chalets stays in a beautiful setting.1141 Wingebellup Road, Frankland River WA 6396Eat: Frankland Farmhouse DinerTop-notch coffee and simple fare, open for breakfast and lunch.Lot 1 Shop 6 Cranbrook-Frankland Road, Frankland River WA 6396

Tech 2025-12-25 12:52:20

Yorkshire firm Veracity Trust Network wins £585,000 Singapore cyber grant

A Leeds cybersecurity company has sealed a grant with more than £580,000 to deliver new tech to help ecommerce retailers in Singapore. Veracity Trust Network has been awarded the CyberCall grant of $1m Singapore dollars – which amounts to around £585,694 – from the Cybersecurity Co-Innovation and Development Fund (CCDF). The grant, awarded by the Cyber Security Agency Singapore (CSA), will be used to develop and deliver advanced malicious bot detection in collaboration with one of world’s largest fashion retailers. Veracity was selected because of its Beyond the Edge technology, which uses real-time behavioural analysis to detect and block complex bots. Veracity’s data shows that around 30% of all website visits are malicious bots looking to do harm. The grant will be used to develop and deliver the next generation of the technology, which will provide advanced malicious bot detection tailored to the ecommerce company’s operations. Nigel Bridges, group CEO at Veracity Trust Network, said the issue of malicious bots is become a growing menace, with more and more bots seeking to steal data, set up fake accounts, disrupt inventory and plant ransomware. Mr Bridges said: “The problem of malicious bots is serious and getting worse as technology advances. It’s a major issue that is growing in scale, sophistication and damage, with serious negative impact on all online organisations. In general, the eCommerce industry has been losing this particular arms race. Veracity was created to try to break the cycle and get ahead of malicious actors. This has clearly been recognised by the CSA, and we are honoured to have been selected by them.” The CCDF’s CyberCall grant encourages collaborations between cybersecurity companies and end-users while supporting the development of innovative cybersecurity solutions in Singapore. Veracity group CTO Stewart Boutcher, who has overall responsibility for the APAC region, was presented the Cybercall Innovator award by David Koh, Commissioner of Cybersecurity and chief executive of CSA. Mr Koh said: “Innovative Cybersecurity companies are vital to a thriving Cybersecurity ecosystem. My warmest congratulations to the winners of the 2023 Cybercall: all these companies are pushing the boundaries of cybersecurity innovation.”

Tech 2025-12-19 09:29:18

'Flying taxi' firm to use AI in bid to speed up aircraft testing

A Bristol company that is developing an all-electric 'flying taxi' has struck a deal that will see it use artificial intelligence to speed up the testing of its aircraft. Vertical Aerospace, which was established by Ovo Energy founder Stephen Fitzpatrick in 2015, will work with AI software provider Monolith to improve the performance of its VX4 vertical take-off and landing (eVTOL) aircraft and accelerate its time to market. The South West-based firm will use AI for new design insights and more efficient test plans in less time, it said. The first project will focus on testing and simulation of the VX4’s supporting pylon structures for ground tests of the propeller and electric motor structural and performance requirements. "Flight and ground tests for eVTOL are incredibly complex, expensive, and time-consuming, typically requiring engineers to spend hundreds of hours validating simulations across tens of thousands of parameters and operating conditions," a spokesperson for Vertical Aerospace explained. London-based Monolith has a proven track record in aerospace engineering following recent projects with Airbus and BAE Systems on aircraft and drones. Dr. Richard Ahlfeld, chief executive and founder of Monolith, said: “Urban air mobility has the potential to revolutionise how we travel, and one of the most promising contributors to this transformation is Vertical’sVX4. "With Monolith, Vertical will model complex systems faster and accelerate test campaigns, enabling the company to learn more about design performance while reducing development and testing time.” David King, chief engineer of Vertical Aerospace, added: "Transforming how the world moves requires constant innovation. Collaborating with Monolith allows us to harness cutting-edge AI technology to streamline our testing processes, enabling us to focus on the most impactful areas and accelerate the VX4’s journey to market."

Tech 2025-12-14 21:06:12

Stock rise sees Nvidia challenge Apple for world's most valuable company title

Nvidia's shares climbed 3.4% on Tuesday to $149.43 (£118.95) per share, putting it on par with Apple following a series of product launches at the CES event in Las Vegas. The tech giant unveiled an array of new offerings, including gaming chips, a personal AI supercomputer, and AI models for robotics and self-driving cars, as reported by City AM. Post-announcement, Nvidia's valuation soared to $4.66 trillion (£3.7 trillion), positioning it as the world's second-most valuable company, just behind Apple. Nvidia's CEO Jensen Huang highlighted the company's AI ambitions and potential growth in robotics, gaming, and autonomous vehicles, referring to robotics as a "multi-trillion dollar opportunity" in his keynote speech. This development follows Nvidia's brief stint as the world's most valuable company last year when its market capitalisation reached $3.43 trillion (£2.66 trillion) in November, surpassing Apple's $3.38 trillion (£2.62 trillion). Microsoft currently holds third place. Central to Nvidia's success is the introduction of the RTX 50 series, part of the Blackwell family, announced by Huang. These new gaming chips promise unparalleled performance and are expected to hit the market this month. Analysts at AJ Bell have emphasised the significance of this launch, stating: "The RTX 50 series will use Nvidia’s Blackwell AI technology to support highly detailed, hyper-realistic graphics." "This launch is a reminder that Nvidia is not just about AI; the business’ success was founded on gaming technology, and RTX 50 implies it remains on top of its ‘game", they said. Another significant announcement from Nvidia's CEO Jensen Huang was the unveiling of Project Digits, a desktop AI supercomputer priced from $3,000 (£2,387). Equipped with the new Grace Blackwell Superchip (GB10), Project Digits offers processing power previously exclusive to large-scale data centres. It can manage AI models with up to 200 billion parameters, expandable to 405 billion when two systems are connected. "AI will be mainstream in every application for every industry. With Project Digits, the Grace Blackwell Superchip comes to millions of developers", Huang declared. The compact design, similar to a Mac Mini, aims to make Project Digits accessible to data scientists, researchers, and students. Analysts predict this could significantly speed up AI adoption across sectors from healthcare to manufacturing. "Nvidia has unveiled something that promises to be faster and better than what’s already on offer", commented AJ Bell analysts. Nvidia also revealed advancements in robotics, including AI models for humanoid robots and a partnership with Toyota to incorporate its self-driving car technology. Huang, the CEO of Nvidia, has forecasted that robotics will become "the largest technology industry the world has ever seen", with a market for humanoid robots alone projected to reach $48bn (£38bn) within the next two decades. By utilising its AI chips and software, Nvidia aims to transform robotics in smart factories, warehouses, and autonomous vehicles. Huang declared that the robotics industry had reached a "technological turning point" due to advancements in AI that allow robots to learn more efficiently by simulating and analysing vast amounts of real-world data. Nvidia also launched foundational AI models on its Cosmos platform, which have been trained on 20 million hours of video data.

Personal Finance 2025-12-16 05:50:01

This CD still yields 4.20%—here are the best CD rates on Nov. 7, 2025

There’s still time to secure an attractive return on a certificate of deposit, but don’t delay. In the aftermath of the Federal Reserve’s three interest rate reductions in 2024, CD rates fell quickly. They largely leveled off in the first part of 2025 while the Fed temporarily suspended further rate changes—but have begun to dip in light of the central bank’s rate cuts in September and October and the possibility of another in December.The most lucrative CD rates currently available offer up to 4.20% APY. By funding a certificate now, you could potentially lock in these high rates for years to come. With markets anticipating the possibility the Fed further reducing the federal funds rate at the end of the year, any delays may result in missing out.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 7, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates available:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare rates to top national banksMany of the institutions mentioned may not be familiar because certificates of deposit typically do not generate significant income independently for major financial institutions. Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more lucrative products, such as loans and credit cards, rather than CDs. Consequently, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Additionally, securing a competitive rate at these larger banks may necessitate opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Investors should understand that CD rates move in lockstep with Federal Reserve monetary policy decisions. When the fed funds rate rises or falls, CD rates follow. It’s crucial for CD investors to stay attuned to shifts in central bank policy in order to effectively plan for potential rate adjustments.The federal funds rate currently stands at 3.75%-4.00% after the Federal Open Market Committee (FOMC) met Oct. 28-29 and decided on a quarter percentage point reduction. This was following on the heels of 2025's first cut to the federal funds rate in September.In 2024, the Fed cut rates three times, leaving the federal funds rate in a range of 4.25%-4.50% as of December. The central bank reduced rates as inflation began receding following a pandemic-related spike. The rate cuts sought to support the U.S. economy with cheaper loans, and that took CD rates down from highs seen the years prior.The very rich CD yields in 2022 and 2023 were driven by a two-year-long series of Fed rate hikes. From March 2022 to July 2023, the FOMC raised the federal funds rate 11 times, taking it from zero all the way up to 5.25%-5.50%. The central bank was acting to control inflation that hit highs not seen since the 1980s, driven by the significant economic disruptions of the COVID-19 pandemic.With the Fed's first rate cut of 2025 occurring at its September meeting, rates began to show signs of dipping. They could drop further if the Fed reduces rates again when it meets in December. The next FOMC meeting is set for Dec. 9-10.While current CD rates are softer now, they’re still not far off their recent highs. Investors still have plenty of opportunities to secure advantageous rates on both short-term and long-term CDs. By investing a larger lump sum into your CD account, you can benefit from substantial interest accumulation.Historical CD ratesIn the early 1980s, CD rates surged into double digits, in sharp contrast with lower rates in 2025. By 2019, however, the APY for a 5-year CD had surpassed 3.00%.In recent years we experienced a period of increasing rates, with the best offerings surpassing 5.00% APY for 1-year CDs in 2024. These APYs are now beginning to stabilize, and we no longer see many rates above this threshold in 2025.How to get a good CD rateDetermining what constitutes a "good" CD rate involves finding a balance between securing the highest available rate and your willingness to keep funds locked away for a specific duration. For instance, choosing a 5.00% APY CD over five years might not be ideal if you expect to need access to your funds sooner or if interest rates increase, potentially lowering your overall returns. Generally, rates that exceed the national average are considered advantageous. It's crucial to compare rates across different banks to find the best option tailored to your specific financial goals. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Higher rates are typically offered for longer terms.Minimum deposit:Verify that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Confirm that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Additionally, online banks often provide higher interest rates, but be mindful of any minimum balance requirements and associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksOnline banks and fintech companies often offer more competitive rates compared to national banks. Large financial institutions primarily derive revenue from interest on loans, fees, and investments in securities.Meanwhile, smaller banks and online fintech companies attract customers by providing competitive APYs on deposit accounts. Furthermore, online banks typically operate with lower overhead costs, allowing them to pass on better rates to their clients.Set up a CD ladderCD ladders appeal to savers who prefer flexibility without committing funds for extended periods. By diversifying savings across CDs with different maturity dates, you can balance short-term accessibility with higher long-term interest rates.For instance, begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year terms). As each CD matures, reinvest the funds into a new 3-year CD. This approach allows annual access to your funds while benefiting from accrued higher interest from the longer term lengths.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Types of certificates of depositThere are various types of CDs designed to meet different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often offer higher APYs because they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD's term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-29 00:08:59

The world's first AI-exclusive university in Abu Dhabi and its global impact

Over the past twelve months, artificial intelligence (AI) discussions have become omnipresent; it's challenging to spend even a brief period without AI featuring in conversation. This surge in interest has been driven by innovations like ChatGPT, which have democratized access to AI capabilities beyond tech experts. Against this backdrop of fervent adoption, cybersecurity company Darktrace anticipates considerable growth poised for the financial year 2024, with projected revenues of $689.5m (£548.71m), as reported by City AM. Moreover, there's now a university dedicated solely to AI—the Mohamed bin Zayed University of Artificial Intelligence (MBZUAI) in Abu Dhabi—established and licensed in March 2020, has enrolled 365 students from 45 different nations. Abu Dhabi's emergence as the site for this institution is not accidental. The United Arab Emirates (UAE) aims to cement itself as an AI global heavyweight, intending, as Telecom Review notes, to channel investments of approximately AED335 bn (£72.6bn) into the sector by 2031. The situation starkly contrasts with that in the UK where the strategy appears less ambitious. Although August saw the government earmark £32m to support 98 domestic AI projects, this came on the heels of a cancelled endeavour to build a £1.3bn supercomputer—a decision slammed by 4J Studios' Chairman Chris van der Kuyl as "idiotic" and likely to trigger a technology brain drain to the US. MBZUAI proudly stands as the first graduate-level university with a dedicated focus on artificial intelligence, offering advanced Master of Science (MSc) and PhD programmes across pivotal domains such as computer science, computer vision, machine learning, natural language processing, and robotics. Targeted at an international student body, MBZUAI is built on the promise of enabling students to delve into innovative AI research alongside top-tier experts in astonishingly equipped facilities. The university caters to experience-rich fields like healthcare, education, and energy sectors through its offerings. With its Incubation and Entrepreneurship Centre (MIEC), MBZUAI aims to transform student concepts into startup ventures, fostering a seamless transition from scholarly research to practical application.

Personal Finance 2025-12-24 16:19:19

The best high-yield savings accounts offer up to 5.00% APY on Nov. 7, 2025

High-yield savings accounts continue to offer strong rates of return for those seeking to maximize their savings potential. With many accounts currently featuring annual percentage yields (APYs) surpassing 4.00%, and a select few still hovering near the 5.00% mark, it’s a great time to make sure you have the best account for your financial needs.The current economic environment is characterized by rising inflation rates and an ambiguous U.S. economic outlook. For those reasons, the Federal Reserve halted its rate-cutting measures in the first part of 2025. But the central bank finally delivered a much anticipated rate cut at its September meeting, and a second in October.Savings account APYs remained relatively stable during the first part of the year—but, after the recent Fed rate cuts and the potential for another when the Federal Open Market Committee (FOMC) meets in December, financial institutions might decrease the APYs they offer accordingly.Recognizing the importance of informed financial decision-making,Fortunehas partnered with Curinos, a team of esteemed financial industry consultants. This collaboration aims to provide readers with a precise and up-to-date snapshot of the most competitive savings account rates available in the market, catering to those looking to enhance their savings strategy or embark on new financial endeavors.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #blmYUZUOJEMPLzCD .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #blmYUZUOJEMPLzCD .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #blmYUZUOJEMPLzCD .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #blmYUZUOJEMPLzCD .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #blmYUZUOJEMPLzCD .disclosure-contnr { text-align: center; } #blmYUZUOJEMPLzCD .listing-header-cntnr { margin-top: 34px; } #blmYUZUOJEMPLzCD .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #blmYUZUOJEMPLzCD .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #blmYUZUOJEMPLzCD .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #blmYUZUOJEMPLzCD .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #blmYUZUOJEMPLzCD .apy-label { font: normal normal 900 24px / 28px Roboto; } #blmYUZUOJEMPLzCD .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #blmYUZUOJEMPLzCD .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #blmYUZUOJEMPLzCD .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #blmYUZUOJEMPLzCD .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #blmYUZUOJEMPLzCD .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #blmYUZUOJEMPLzCD .additional-content { margin-top: 0px !important; } #blmYUZUOJEMPLzCD .additional-content ul li { margin-bottom: 0; } #blmYUZUOJEMPLzCD .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #blmYUZUOJEMPLzCD .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #blmYUZUOJEMPLzCD .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #blmYUZUOJEMPLzCD .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #blmYUZUOJEMPLzCD .shArrow { width: 12px; height: 7px; } #blmYUZUOJEMPLzCD span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #blmYUZUOJEMPLzCD .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #blmYUZUOJEMPLzCD .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #blmYUZUOJEMPLzCD #see_more_carrier, #blmYUZUOJEMPLzCD .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #blmYUZUOJEMPLzCD .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #blmYUZUOJEMPLzCD .apy-label p { margin-top: 0px; margin-bottom: 0px; } #blmYUZUOJEMPLzCD .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #blmYUZUOJEMPLzCD { padding: 0 26px; } #blmYUZUOJEMPLzCD .logo-image-wrapper { width: 136px; } #blmYUZUOJEMPLzCD .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #blmYUZUOJEMPLzCD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #blmYUZUOJEMPLzCD .prop-value-container .apy-container { flex: 0 0 44%; } #blmYUZUOJEMPLzCD .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD .prop-value-container .minvalue-container { flex: 0 0 28%; } #blmYUZUOJEMPLzCD .ad-copy-top-section { margin-bottom: 15px; } #blmYUZUOJEMPLzCD .sh-row-product-title { max-width: 136px; } #blmYUZUOJEMPLzCD .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #blmYUZUOJEMPLzCD .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #blmYUZUOJEMPLzCD .logo-image-wrapper { width: 100%; max-width: 292px; } #blmYUZUOJEMPLzCD .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #blmYUZUOJEMPLzCD .ad-copy { margin-left: 0; } #blmYUZUOJEMPLzCD .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #blmYUZUOJEMPLzCD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #blmYUZUOJEMPLzCD .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #blmYUZUOJEMPLzCD .see-more-text { padding: 16px 15px; } #blmYUZUOJEMPLzCD .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #blmYUZUOJEMPLzCD .top-section-right { margin-left: 0px; } #blmYUZUOJEMPLzCD .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #blmYUZUOJEMPLzCD.sizeone .header-section { padding: 6px 10px; } } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .row-1 { padding-left: 14px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .prop-value-container .mfee-container #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #blmYUZUOJEMPLzCD.sh-box650.device-desktop .row-1, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .row-1 , #blmYUZUOJEMPLzCD.sh-box650.device-desktop .row-2, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .row-2 , #blmYUZUOJEMPLzCD.sh-box500.device-desktop .row-1, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .row-1 , #blmYUZUOJEMPLzCD.sh-box500.device-desktop .row-2, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .row-2{ display: unset; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .prop-value, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#blmYUZUOJEMPLzCD.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#blmYUZUOJEMPLzCD.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#blmYUZUOJEMPLzCD.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #blmYUZUOJEMPLzCD .shmktpl-title, #blmYUZUOJEMPLzCD .sub-heading-container, #blmYUZUOJEMPLzCD .filter-check-options-cntnr, #blmYUZUOJEMPLzCD .listing-header-cntnr { display: none; } #blmYUZUOJEMPLzCD.title .shmktpl-title, #blmYUZUOJEMPLzCD.subHeading .sub-heading-container, #blmYUZUOJEMPLzCD.multiSelectFilter .filter-check-options-cntnr, #blmYUZUOJEMPLzCD.resultsText .listing-header-cntnr { display: flex; } #blmYUZUOJEMPLzCD.sizeone .add-overlay-content { width: 62%; height: auto; } #blmYUZUOJEMPLzCD.sizeone .disclosure-title { padding: 6px 0px; } #blmYUZUOJEMPLzCD.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #blmYUZUOJEMPLzCD .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #blmYUZUOJEMPLzCD.sizeone .title-container { margin-top: 0; } #blmYUZUOJEMPLzCD.sizeone .non_featured_list { margin-top: 0; } #blmYUZUOJEMPLzCD.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #blmYUZUOJEMPLzCD.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #blmYUZUOJEMPLzCD .item { flex: 1 1 calc(50% - 48px); } #blmYUZUOJEMPLzCD .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #blmYUZUOJEMPLzCD .item:nth-of-type(4n+3), #blmYUZUOJEMPLzCD .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #blmYUZUOJEMPLzCD .item:nth-of-type(4n+1), #blmYUZUOJEMPLzCD .item:nth-of-type(4n+1) + * { background-color: #fff; } #blmYUZUOJEMPLzCD .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #blmYUZUOJEMPLzCD .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #blmYUZUOJEMPLzCD .desktop, #blmYUZUOJEMPLzCD .desktop-inline { display: none; } #blmYUZUOJEMPLzCD .mobile { display: block !important; } #blmYUZUOJEMPLzCD { padding: 0 18px; } #blmYUZUOJEMPLzCD .shmktpl-title { font-size: 24px; line-height: 29px; } #blmYUZUOJEMPLzCD .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #blmYUZUOJEMPLzCD .add-overlay-content { width: 80%; height: auto; } #blmYUZUOJEMPLzCD .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #blmYUZUOJEMPLzCD .row-1 { flex-flow: column; padding: 16px; } #blmYUZUOJEMPLzCD .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #blmYUZUOJEMPLzCD .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #blmYUZUOJEMPLzCD .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #blmYUZUOJEMPLzCD .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #blmYUZUOJEMPLzCD .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #blmYUZUOJEMPLzCD .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #blmYUZUOJEMPLzCD .prop-value { margin-top: 0; } #blmYUZUOJEMPLzCD .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #blmYUZUOJEMPLzCD .non_featured_list { margin-top: 18px; } #blmYUZUOJEMPLzCD .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #blmYUZUOJEMPLzCD .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #blmYUZUOJEMPLzCD .item:nth-child(3n), #blmYUZUOJEMPLzCD .desktop-bg { background: none; } #blmYUZUOJEMPLzCD .prod-desc-popup-content { padding: 0; } #blmYUZUOJEMPLzCD .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #blmYUZUOJEMPLzCD .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #blmYUZUOJEMPLzCD .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #blmYUZUOJEMPLzCD .disclosure-content ul { padding-left: 14px; line-height: 28px; } #blmYUZUOJEMPLzCD .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #blmYUZUOJEMPLzCD .additional-features { flex: 0 0 100%; } #blmYUZUOJEMPLzCD .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #blmYUZUOJEMPLzCD.sizeone .listing-header-cntnr { display: none; } #blmYUZUOJEMPLzCD.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #blmYUZUOJEMPLzCD .prod-desc-popup-content { position: fixed; } } #blmYUZUOJEMPLzCD.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #blmYUZUOJEMPLzCD.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #blmYUZUOJEMPLzCD.listingAlignment .logo-image-wrapper img { width: 100%; } #blmYUZUOJEMPLzCD.listingAlignment { padding: 0px; } #blmYUZUOJEMPLzCD.listingAlignment .listing-title { font-size: 14px; } #blmYUZUOJEMPLzCD.listingAlignment .listing-title span { font-size: 14px; } #blmYUZUOJEMPLzCD.listingAlignment .row-1 { padding: 26px 10px; } #blmYUZUOJEMPLzCD.listingAlignment .prop-name { font-size: 10px; } #blmYUZUOJEMPLzCD.listingAlignment .prop-value { font-size: 14px } #blmYUZUOJEMPLzCD.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #blmYUZUOJEMPLzCD.listingAlignment .logo-column.flex-container { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .prop-conatiner { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .ad-copy-column.flex-container { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .cta-column.flex-container { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .disclosure-content ul li::before { content: unset; } #blmYUZUOJEMPLzCD.listingAlignment .disclosure-content ul li { list-style: disc; } } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #blmYUZUOJEMPLzCD.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #blmYUZUOJEMPLzCD.ctaAlignment .cta-column.flex-container { display: block !important; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button { font-size: 16px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #blmYUZUOJEMPLzCD .sh-no-listing-msg { padding: 20px 0px; } #blmYUZUOJEMPLzCD .sh-widget-footer-MBT { display: none; } #blmYUZUOJEMPLzCD.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #blmYUZUOJEMPLzCD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #blmYUZUOJEMPLzCD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #blmYUZUOJEMPLzCD .sh-widget-footer-QS { display: none; } #blmYUZUOJEMPLzCD.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #blmYUZUOJEMPLzCD.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #blmYUZUOJEMPLzCD.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title, #blmYUZUOJEMPLzCD.customizeColorEffect .prop-name, #blmYUZUOJEMPLzCD.customizeColorEffect .prop-value, #blmYUZUOJEMPLzCD.customizeColorEffect .curDate, #blmYUZUOJEMPLzCD.customizeColorEffect span.current-date, #blmYUZUOJEMPLzCD.customizeColorEffect .disclosure-content ul li, #blmYUZUOJEMPLzCD.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #blmYUZUOJEMPLzCD.customizeColorEffect .add-text, #blmYUZUOJEMPLzCD.customizeColorEffect .see-more-text, #blmYUZUOJEMPLzCD.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #blmYUZUOJEMPLzCD.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #blmYUZUOJEMPLzCD.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #blmYUZUOJEMPLzCD.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #blmYUZUOJEMPLzCD.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #blmYUZUOJEMPLzCD.sizeone.customizeColorEffect .header-section, #blmYUZUOJEMPLzCD.customizeColorEffect .row-2 { background: #E9F0EC; } #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title { display: unset; } #blmYUZUOJEMPLzCD.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title .prod-name:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .add-text:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .disclosure-contnr .text:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .see-more-text:hover { color: #EB0017; } #blmYUZUOJEMPLzCD.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #blmYUZUOJEMPLzCD.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #blmYUZUOJEMPLzCD.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings accounts on November 7, 2025: Earn up to 5.00% APYFortunereviews the top rates offered by leading U.S. financial institutions each day to help readers obtain the best possible return on their savings. The best high-yield savings account rate of 5.00% can be found at Varo Money. Other institutions also offering generous rates include Axos Bank and SoFi. Here are the best savings account rates available nationwide:FDIC average national deposit rates: January 2020 to presentIn March 2024, the national average savings rate was 0.47%. This rate quickly began to fall as the Federal Reserve started making cuts to the federal funds rate later in the year. Now, the national average savings rate sits at 0.40%.Savings account news in 2025Federal Reserve interest rate decisions are crucial in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the interest they offer on savings accounts to remain competitive. Conversely, when the Fed lowers rates, savings account yields generally decrease.However, this relationship isn’t always direct. Banks may adjust their rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Fed meetings take place roughly eight times annually. The central bank adjusted the federal funds rate to 3.75%-4.00% at its October meeting. There’s one more FOMC meeting on the calendar for 2025, set for December 9-10.High-yield savings accounts might be easier to find than you expectYou may have already taken a look at the accounts available from local banks and been unimpressed with the rates offered, or wondered why there are no specific products labeled “high-yield savings accounts.” That’s largely because the primary difference between high-yield and traditional savings accounts is simply the interest rate offered. Traditional accounts often feature physical branch access but with lower rates, while high-yield accounts are typically offered by online banks and boast higher rates but limited in-person services.High-yield accounts typically provide rates that are 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is 0.40%, many high-yield accounts offer rates above 4.00%.In addition to substantially higher interest rates than traditional savings accounts, consider opening a high-yield savings account if you want to avoid minimum balance requirements or monthly fees. Oftentimes, the two go hand in hand. These accounts are ideal for emergency funds or short-term savings goals and are FDIC-insured, providing the same protection as traditional banks. Just remember that you’ll have to pay taxes on any interest you earn from the account.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?Banks and credit unions can adjust high-yield savings account rates whenever they see fit, so there’s no regular schedule. But in practice, these changes often occur in response to the Federal Reserve raising or lowering the federal funds rate.Should I switch banks if I find a savings account with a higher rate?It could be worth switching, but it depends on your situation. You can have multiple savings accounts—but consider any minimum deposit requirements and whether the higher rate will actually make a significant difference in your earnings before making a move.For example, putting $1,000 in an account where the APY is 4% and leaving it for a year without further deposits might net approximately $39.98 in interest. While if the same account had an APY of 4.5%, you might earn $44.98 in interest over that year.How easy is it to withdraw money from a HYSA?Assuming your bank or credit union has a decent online banking setup, it should be fairly easy to initiate a withdrawal from your computer or mobile device. Just remember that many institutions still maintain the rule of no more than six withdrawals per month even though that’s not a federal rule any longer.Should I choose an online-only bank for my HYSA?Since online banks save on costs like branch maintenance, they can typically pass those savings on to customers through higher rates, making them a strong option for your HYSA.Can I lose money in a high-yield savings account?Assuming your account is at an institution with FDIC or NCUA insurance, your savings are protected up to the insurance max. That said, if your account’s APY doesn’t match or beat inflation, your spending power could still take a hit.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-11 02:56:15

5 South West companies to watch in 2025

The West of England has long been plagued by age-old stereotypes when it comes to its economic contribution to Britain. Of course the region has a thriving food and drink sector and tourism generates billions for the local economy, but it is also a hotbed of innovation and cutting-edge technology. Giants of aerospace, such as Airbus and Rolls-Royce, are major employers in the West Country while there are high-tech start-ups emerging from the universities at rapid rate. Industries such as nuclear, mining, space and marine tech are also flourishing alongside more traditional sectors, such as financial services and law. The South West is also home to nationally significant schemes such as Gloucestershire’s planned cyber development Golden Valley; Somerset’s Hinkley Point C power station and Bridgwater's Gravity campus, where the UK’s biggest gigafactory is being built; and Plymouth and South Devon Freeport. And then there’s Cornwall’s Goonhilly Earth Station and the Spaceport at Newquay Airport, where the UK attempted the first launch of a satellite from British soil last year. Innumerable business success stories have started in the South West, with many big-name companies choosing the region for their headquarters. Among them are ethical bank Triodos and investment firm Hargreaves Lansdown in Bristol; cosmetics brand Lush in Poole; and engineering company Renishaw in Gloucestershire. The region must be celebrated for its achievements in farming, food and hospitality, there’s no doubt, but it’s got so much more to offer as well. With that in mind, here we take a look at five companies we think are worth keeping an eye on this coming year. In no particular order… The North Somerset robotics company has patented technology to automate wire laying processes for anything from fighter jets to cars to washing machines. The firm was founded in 2018 and its tech is used in areas of manufacturing that are still largely carried out manually. Earlier this year, Q5D secured £500,000 from a top private equity firm as part of a £2m investment round. It has used the cash to expand its testing hub in Portishead and support the delivery of contracts. In November, bosses Chris Elsworthy and Simon Baggott picked up the Manufacturing Innovation award at the Robotics and Automation Awards ceremony in London. This B Corp biotech organisation has developed compostable packaging made from seaweed. The company was founded by Bath University professor Chris Chuck and entrepreneurs Neil Morris and Murray Kenneth, and is now based at the Science Creates incubator in Bristol. The business, which has created a coating that can be applied to paper and card, replacing plastic packaging, raised £4.3m in 2024. It is planning to take its product to market this year. The firm said at the time it would use the investment to recruit more scientists, engineers and commercial staff to conduct large-scale pilots of the material it spent three years developing in the lab. This historic Cornish company’s trailblazing approach to heating homes has caught the attention of Westminster. The family-run firm, which operates across Cornwall, Devon, Somerset, and Dorset, has been supplying a hamlet in Cornwall with hydrotreated vegetable oil (HVO) as an alternative fuel for heating for the last four years. A government select committee visited Kehelland last year where the trial is taking place. HVO is made from waste material similar to cooking oil but it is currently taxed at a higher rate than fossil fuels. Mitchell & Webber is hoping to engage further with the government to highlight the benefits of HVO as an alternative renewable fuel. The Exeter company has developed an AI-powered platform to help businesses hire more diversely. It raised £2.1m in a funding round last year which it said would support job creation and the overall growth of the business. The company’s technology helps firms recruit candidates based on their skill set rather than educational background - as well as hybrid and flexible working. It was founded by Sara Hill in 2019 and was named on a list of 10 early-stage companies considered “at the forefront of technology” across the UK in 2021. Since then, it has gone on to receive backing from major investors.

Tech 2025-12-27 04:24:43

Cirata boss hails improvements but admits disappointment at headline figures

The boss of data tech firm Cirata says the business has improved on "almost every metric" but has admitted the turnaround has taken a toll on staff. Stephen Kelly, who was brought in to rescue the business in 2023, said he believed much of the hard work had been done and that FY2025 heralded a growth phase. A trading update for the final quarter of last year shows Cirata bookings of $3m (£2.4m) at their strongest since Q2, 2022 thanks to a new contract with a "top three" US bank customer. The Sheffield company's partnerships were now said to be on a stronger commercial footing, and its engineering team now better aligned with the demands of customers. Data integration work, which constitutes 66% of the 2024 bookings total, is thought to be the future of the business with Q4, 2024 bookings of $2.3m (£1.87m). Mr Kelly highlighted some disappointment around establishing greater sales predictability, and slippage on contract closure. Weaker than planned performance in Cirata's international and DevOps businesses resulted in a "disappointing headline outcome for Q4 and the full year". Cash overheads were reduced by about $4m (£3.2m) at the end of the first quarter, 2025. Looking ahead, the firm wants to strike a balance between preservation of long-term working capital and growth initiatives. Mr Kelly said: "This management team came together to drive value creation for shareholders. Phase 1 in FY23 was a company rescue phase. Phase 2 in FY24 was the recovery phase and with the recent cost reductions, this phase is completed. "With FY25, the company is moving into it's growth phase. Q4FY24 brings to a close a year in which we have done much to rearchitect, restabilise and reposition Cirata for more predictable, sustainable growth. The business is improved on almost every metric. We are driving growth in our key Data Integration product on a significantly reduced cost base.

Tech 2025-12-19 20:33:02

New jobs created as Synthotech develops new Yorkshire water technology hub

New jobs are being created at a water technology hub in North Yorkshire being developed by an advanced engineering company. Synthotech, based in Harrogate, develops monitoring and leak detection technology for utility companies, tapping into robot technology to slash work times and costs. The business designs and builds advanced pipeline inspection systems and robotics to detect leaks and fix pipes. The robots can be deployed remotely for long distances, speeding up the investigation process, and its AI-capable robots are designed, developed and manufactured in the UK. Now a new technology centre is being created which will create eight jobs, after it secured £7.3m of funding to be used for water and multi-utility no-dig technologies. The centre’s development also comes as the firm releases its latest innovation, the SynthoCAM H20 – a CCTV inspection system which allows water networks to inspect drinking water pipes to make sure their pipelines and working effectively and are free of leaks, without interrupting customers’ water supply. The innovation will prove significant for Synthotech’s clients, as leakage from underground water pipelines is a big challenge to the water industry, with an estimated one fifth of all treated water being lost, adding up to nearly one trillion litres a year across the UK. Synthotech’s innovation division, Synovate, was recently awarded two contracts in Ofwat’s Water Breakthrough Challenge worth £5.8m and it will use its latest robot technology to identify and repair links from within live water mains, without the need for extensive excavations, thereby minimising interruptions to water supplies.

Tech 2025-12-13 14:33:18

Bristol bionic arm firm secures funding to open clinics in US

A Bristol prosthetics manufacturer that makes bionic arms for people with limb differences is set to accelerate its expansion overseas after securing £600,000. Open Bionics was founded by Joel Gibbard and Samantha Payne a decade ago and has developed a 'Hero Arm' - a 3D-printed bionic arm with multi-grip functionality that is now available in more than 800 locations in the US, UK, Europe, Australia and New Zealand. The arm has moveable fingers and thumbs that enable below-elbow amputees to pinch and grasp objects. It makes everyday activities like holding a bag or brushing teeth possible for people with upper limb differences. The assistive technology is controlled by special sensors that are activated by muscles in the forearm and are custom-made for the wearer. Open Bionics will use the loan from NatWest to open six more clinics in the US. It will also use the finance to accelerate its expansion into Germany, Austria and Switzerland, it said. Ms Payne said: “We’re really excited to use this funding to supercharge growth in the USA and make it much easier for our patients to access specialist care within their state by visiting their Open Bionics clinic.” Open Bionics, which won the European Healthcare Innovator Award last month in Germany, has also created a 3D-printed partial hand prosthesis called the 'Hero Gauntlet' and a waterproof sports arm called the 'Hero Flex'. The company has manufactured robotic arms for children as young as five in the style of their favourite superheroes. The NHS has made the Hero Arm, Hero Flex, and the Hero Gauntlet devices available to every patient across England, Wales, and Scotland that meets their policy criteria. Open Bionics secured the funding using its intellectual property as collateral. NatWest is currently the only bank in the UK to accept IP as collateral on loans. Using valuations provided by the IP valuation firm Inngot, the lender is enabling scale-ups which lack tangible assets to use their intellectual property to secure finance. Martin Brassell, chief executive of Inngot, said: “Open Bionics’ Hero Arms may catch the eye because of the ‘superhero’ covers they feature, but it’s the tech underneath them that really transforms lives."

Personal Finance 2025-12-28 00:17:36

Current mortgage rates report for Nov. 4, 2025: Rates hold steady

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.156%, according to data available from mortgage data company Optimal Blue. That’s down approximately 2 basis points from the prior day’s report, and almost unchanged from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.156%One week ago6.155%One month ago6.253%30-year jumboCurrent rate6.358%One week ago6.531%One month ago6.593%30-year FHACurrent rate6.043%One week ago6.114%One month ago6.120%30-year VACurrent rate5.670%One week ago5.726%One month ago5.802%30-year USDACurrent rate6.064%One week ago5.999%One month ago6.155%15-year conventionalCurrent rate5.354%One week ago5.389%One month ago5.604%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 3, with the numbers reflecting home loans locked in as of Oct. 31. What’s happening with mortgage rates in the market?If it seems like 30-year mortgage rates have been hovering around 7% for an eternity, that’s not far off the mark. Many watching the market anticipated rates would ease when the Federal Reserve began reducing the federal funds rate last year, but that didn’t occur. There was a short-lived decline leading up to the September 2024 Fed meeting, but rates quickly rebounded afterward.In fact, by January 2025 the average rate for a 30-year, fixed-rate mortgage exceeded 7% for the first time since last May, according to Freddie Mac statistics. That’s a significant increase from the record-low average of 2.65% observed in January 2021, when the government was still attempting to boost the economy and prevent a pandemic-induced downturn.Barring another major crisis, experts say we won’t have mortgage rates in the 2% to 3% range again in our lifetimes. And, with a cloudy economic outlook as President Donald Trump pursues policies including tariffs and deportations, some analysts have worried the labor market could constrict and inflation could resurface. In this climate, U.S. homebuyers have long faced faced with high mortgage rates—though some found methods to make their purchase more manageable, such as negotiating rate buydowns with a builder when buying newly constructed homes.Those looking to buy a home or refinance a mortgage did get some cause for joy in late August and early September of 2025. Ahead of the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward, hitting a low not seen in almost a year. As expected, the Fed delivered a quarter percentage point reduction in the federal funds rate at that meeting.Mortgage rates also inched down a bit going into the Fed’s Oct. 28-29 meeting, at which the central bank made another quarter percentage point cut to the federal funds rate.How to get the best mortgage rate you canWhile economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:Ensure your credit is in excellent condition.The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. Consider that according to lender Blue Water Mortgage, a top-tier score is one of 740 or higher.Maintain a low debt-to-income (DTI) ratio.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.Get prequalified with multiple lenders.Consider trying a mix of large banks, local credit unions, and online lenders and compare offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so in a consistent way—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartSome context for the discussion about high mortgage rates is that rates in the vicinity of 7% feel high because rates in the range of 2% to 3% are still a fairly recent memory. Those rates were possible due to unprecedented government action aimed at preventing recession as the country grappled with a global pandemic.However, under more typical economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates around 7% are not unusually high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.Of course, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe health of the U.S. economy is probably the biggest driver of mortgage rates. When lenders worry about inflation, they can bump up rates to protect their profits down the road.And on a related note, the national debt is another big factor. When the government spends more than it takes in and has to borrow, that can push interest rates higher.Demand for home loans matters too. When demand is low, lenders might drop rates to attract business. But if lots of people are seeking mortgages, lenders might raise rates to handle the extra processing work.The Federal Reserve also plays a key role, and can influence mortgage rates by changing the federal funds rate and by buying or selling assets.Much is made of changes to the federal funds rate. When it goes up or down, mortgage rates often follow suit. But it’s crucial to understand the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect sync with the fed funds rate.The Fed also influences mortgage rates by means of its balance sheet. During tough economic times, it can buy assets like mortgage-backed securities (MBS) to pump money into the economy.But lately, the Fed has been shrinking its balance sheet, letting assets mature without replacing them. This tends to push mortgage rates up. So while everyone watches for cuts to the fed funds rate, what the central bank does with its balance sheet might matter even more for the mortgage rate you might get offered. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with various lenders are both essential steps in obtaining the best mortgage for your situation.If your credit is excellent, opting for a conventional mortgage might be the right choice for you. However, if your score is below 600, an FHA loan may provide an opportunity where a conventional loan would not.When it comes to exploring options with different banks, credit unions, and online lenders, it can make a significant difference in your overall costs. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-23 06:13:34

The Concierge’s design-focused guide to Milan

Click here to enjoy Monocle’s complete city guide to Milan

Personal Finance 2025-12-15 23:53:40

Current price of gold as of November 4, 2025

Gold was trading at $3,970 per ounce at 9:10 a.m. Eastern Time on November 4, 2025. This is a $44 fall from yesterday at the same hour and over $1,226 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,014+1.11%Price of gold 1 month ago$3,887-2.09%Price of gold 1 year ago$2,744-30.88%Price of gold yesterdayGold price per ounce$4,014% Change+1.11%Price of gold 1 month agoGold price per ounce$3,887% Change-2.09%Price of gold 1 year agoGold price per ounce$2,744% Change-30.88%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals pricesas of 9:10 a.m. ET on November 4, 2025Precious MetalPrice per ounceGold$3,970Silver$48Platinum$1,545Palladium$1,410GoldPrice per ounce$3,970SilverPrice per ounce$48PlatinumPrice per ounce$1,545PalladiumPrice per ounce$1,410Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. 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font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-29 05:36:38

Mid Wales DNA tech testing firm boosted with equity investment

A Powys start-up pioneering DNA testing technology as easy to use as a smartphone has secured a six-figure equity investment to support its commercialisation plans. Amped PCR is developing PurifAI which it says revolutionises how industries detect harmful pathogens. It has secured a £350,000 investment from the Development Bank of Wales, in a round also backed with £185,000 from London-based tech investors SFC Capital. The investment bring the PurifAI system, alongside its reagent Amped universal, to a wider market. Founder Ben Davis has more than 15 years of experience in the sector, and is committed to making DNA testing accessible and efficient across industries. Polymerase chain reaction – more commonly known as PCR – is a technique used to amplify normally small amounts of DNA to much larger quantities, allowing anyone testing or analysing DNA to boost the size of the sample available, making it easier for further analysis. Amped PCR is taking this process a step further by incorporating it into the PurifAI system, which allows DNA testing to move from specialised labs to real-world environments like food production sites or environmental monitoring facilities. The PurifAI system is designed to address critical challenges such as high-profile food recalls and the growing need for effective environmental and water testing in the fight against harmful pathogens and antimicrobial resistance. By enabling on-site detection of pathogens like salmonella, listeria and campylobacter, PurifAI allows food producers, environmental agencies and other stakeholders to respond rapidly and proactively, reducing risks and safeguarding public health. Mr Davis said: “We want to improve the user experience so that using this technology feels as intuitive as using a smartphone. Pretty much everyone has a smartphone these days and the technology underpinning them is very sophisticated, but the end user in most cases does not need to know how that all works - it just works. PurifAI is about putting cutting-edge testing power directly into the hands of users, wherever they are and whatever their DNA question may be.” Co-founder Aysha Shah said: “My focus is on making PurifAI intuitive for non-specialist user. By prioritising accessibility and usability, we’re creating a tool that can address major global challenges while fitting seamlessly into existing workflows.” Linzi Plant, assistant investment executive in the Technology Ventures Investment team at the Development Bank of Wales, said:“It was a pleasure to work with Ben and Aysha at Amped PCR as they looked to start up and bring their reagent to a wider market. "The potential uses of their product are huge and it’s fantastic to see a small Welsh company coming up with what could be a revolutionary solution in so many fields of DNA testing.”

Personal Finance 2025-12-11 13:49:04

Current price of silver as of Friday, November 7, 2025

At 9 a.m. Eastern Time on November 7, 2025, silver exchanged hands at $48.70 per ounce. That’s a $0.04 uptick from 24 hours ago and more than a $16 gain over the past year.Silver price per ounce% ChangePrice of silver yesterday$48.66+0.08%Price of silver 1 month ago$48.51+0.39%Price of silver 1 year ago$32.03+52.04%Price of silver yesterdaySilver price per ounce$48.66% Change+0.08%Price of silver 1 month agoSilver price per ounce$48.51% Change+0.39%Price of silver 1 year agoSilver price per ounce$32.03% Change+52.04%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Examine historical data and you’ll see that long-term silver returns just can’t compare to stock market gains. Since 1921, silver has underperformed the S&P 500 by roughly 96%. In other words, matching your investment equally between silver and stocks then would leave the silver portion approximately 96% lower in value on November 7, 2025.Silver’s strength lies in preservation of value—shielding you from inflation, in other words. Dubbed a “store of value,” it often holds purchasing power when inflation accelerates.Silver is more price-sensitive than gold due to its industrial uses (electronics, medical gear, and more), whereas gold primarily serves as a safe-haven asset.What does “spot silver” mean? “Spot silver” is the live rate at which silver can theoretically be bought or sold instantly. Actual buyers typically pay above spot to cover markups, shipping, insurance, and other expenses.The spot price is a real-time gauge of demand: A higher spot value points to stronger market interest.What is “price spread” in silver trading? The “price spread” is the gap between ask (buy) and bid (sell) prices. Here’s what those terms mean. Ask price:what you pay to purchase silver. Bid price:what you receive when you sell. Narrow spreads indicate that silver is in high demand. #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }How to invest in silver You can invest in silver physically or via ETFs. ETFs let you own shares in a fund backed by physical silver, relieving you of storage and insurance duties. Some main silver investment forms include: Bullion bars and rounds.Purchased by weight and purity. Minted coins.Government-issued currency like American Silver Eagles and Silver Maple Leafs, with added value as collectibles. Jewelry.Crafted items that trade at prices above bullion with identical purity.Mining stocks.Silver mining company shares that can provide an indirect investment route and help to limit your exposure to silver prices. On most trading platforms, silver bullion and coins must be 99.9% pure (the “three nines fine” standard) while lower-purity silver is classified as industrial or collectible. Read our guide to the best silver IRA companies for more tips to investing in precious metals.Is it a good time to invest in silver? Silver has rallied nearly 25% in 2025, climbing to decade-high territory. Whether now is the right moment to buy comes down to your goals (and your intuition). Precious metals can hedge against inflation, and anticipated industrial demand—particularly in green technologies—may potentially further propel prices. But don’t invest in silver expecting an outsized return. Current precious metals prices as of 9 a.m. ET on November 7, 2025 Precious metal Price per ounceGold$3,998.82Silver$48.70Platinum$1,550.50Palladium$1,403.22GoldPrice per ounce$3,998.82SilverPrice per ounce$48.70PlatinumPrice per ounce$1,550.50PalladiumPrice per ounce$1,403.22When it comes to precious metals, gold remains the go-to safe haven. Platinum and palladium mirror silver’s volatility given their smaller markets. Gold’s larger market cap makes it comparatively steadier.Pro tipThinking gold? See our guide to the best gold IRA companies.The takeaway In a volatile economy, precious metals deserve consideration for a place on your radar.Silver’s 2025 gains have outpaced gold, and many analysts anticipate continued strength—expecting possible new highs for silver.Finally, silver’s lower price point compared to gold makes it an approachable way for investors wanting to get started with precious metals. Whether you opt for physical metal, ETFs, or mining stocks, there are lots of paths to set yourself up for success looking toward the next silver upswing.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Financial advisors typically recommend keeping no more than 10% to 15% in silver, with overall precious metals exposure capped at around 20%.Can silver be held in an IRA?Yes. IRA-eligible silver bars and coins (99.9% pure) held by an IRS-approved custodian qualify.Junk or constitutional silver (minted pre-1965 and often having around 90% purity) isn’t IRA-eligible but still holds collectible value outside retirement accounts.What’s driving silver prices in 2025? Scarcity of supply and growing demand—from both industrial applications and investors—have likely fueled silver’s upward trajectory this year. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-22 14:44:38

Vianet celebrates contract with major blue chip brewer in the UK

Drinks and vending tech provider Vianet has landed a significant contract win with major brewer in the UK. The Stockton-based firm says the agreement with the unnamed, blue chip customer will see it supply its Beverage Metrics draught beer monitoring technology across the country. It will provide performance insights into the customers draught brands. Vianet will begin installations of the tech in this financial quarter and continue phased delivery throughout the rest of the year. The move is expected to grow the group's UK installation footprint by about 5% in the next 18 months, and support Vianet's expansion further into the hospitality sector beyond the leased and tenanted market. The contract follows Vianet's acquisition of US-based Beverage Metrics in 2023. The addition of the Denver company, in a deal worth up to £4.5m, has helped Vianet bolster its "one stop drinks management solution" that can reduce costs, improve productivity and maximise sales. Announcing the contract to investors on the London Stock Exchange, Vianet bosses said it was a strong validation of its tech and strengthened its relationship with The Oxford Partnership - a market intelligence consultancy working with major brewers, who helped Vianet secure the work. The firm said it would help it attract interest from other potential clients. James Dickson, chair and CEO of Vianet, said: "This new agreement represents a strong strategic validation of our investment in Beverage Metrics and the value of our partnership approach. These collaborations are unlocking exciting commercial opportunities within the hospitality sector and beyond, combining our technological capabilities and the Oxford Partnership's analytics and AI expertise. "The phased rollout of our Beverage Metrics solution with a leading global brewer further highlights the innovation and impact of our technology, as it empowers customers to optimize performance and navigate challenging trading conditions effectively. Combined with the encouraging progress we are making in the USA and the recent long-term contract extensions with Heineken's Star Pubs & Bars and Greene King, this milestone underscores the growing recognition of our solutions and their ability to deliver tangible value by helping customers achieve more with less."

Travel 2025-12-30 02:16:25

Porvoo’s growing culinary scene

Just a short drive to the east of Helsinki, Porvoo is popular among day-trippers who come for its 18th-century Old Town, with its riverside warehouses and pastel-painted wooden architecture. Today the city of about 50,000 is often compared to San Sebastián, thanks to its diminutive size and the growing pull of its drinking-and-dining scene.Monocle follows a winding country road through fields of rye and oats to Ylike Farm on the outskirts of Porvoo. Its history can be traced back to the 18th century but Emily and Thomas Simpson brought the land back into production in 2022. Originally from England, they now grow more than 50 varieties of vegetables, herbs and edible plants here, including chard, fennel, cabbages and (this being Finland) five types of potato.View over Porvoo Old TownEmily Simpson“What I like about Porvoo is that it has a very distinct food identity that you can’t find anywhere else in Finland,” says Emily, uprooting a plump beetroot from a bed of soil. “There are almost no chain restaurants and much of what the independent bistros have on their menus comes from close by.”The Simpsons sell their produce to both restaurants and individual customers. “We’re building an earth cellar for preserving vegetables over the winter,” says Thomas. “We would also like to get more involved in local cookery classes, bake our own bread and learn fermenting.”Less than 5km north of Ylike is Bosgård, another organic farm that is one of the main suppliers of beef to Porvoo’s restaurants. When Monocle visits, more than 300 Charolais cattle are grazing in the fields surrounding a 19th-century manor in a setting far removed from industrial farming. There’s also an on-site farm-to-table restaurant. “The farmers here work together and there’s a strong sense of community,” says Aarne Schildt, Bosgård’s owner. “Restaurants and residents alike want to buy local produce, which keeps the food scene vibrant and gives it a unique feel.”Finns love fish and you’ll find it on the menu in most restaurants in Porvoo. Borgå Fiskhus is a leading supplier and works with many of the region’s fishermen. Inside, the sweet aroma from an in-house smoker fills the air and a counter displays fresh fish such as salmon, zander, perch, white fish and pike. When Monocle visits, it’s crayfish season and most of the patrons exit the shop carrying bucketfuls of the freshwater crustaceans. The fishmonger’s biggest hit? “Restaurants love our warm-smoked salmon more than anything else,” Theo Skogberg, the shop’s service area manager, tells Monocle from behind the counter.Niko LehtoLocal greens at VårPorvoo’s Old Town, where you’ll find most of the city’s restaurants, cafés, bars and bakeries, is a compact maze of cobblestone streets that boasts dozens of culinary attractions. These range from Michelin-starred finery to cosier bistros and quaint little cafés that serve the local speciality cake: the runebergintorttu, a rum-and-almond torte named after Finland’s national poet, Johan Ludvig Runeberg, who lived in the city.Monocle stops for lunch at Ravintola Salt, a restaurant inside a wooden villa that dates back to 1780, near Porvoo Cathedral. We feast on a simple but satisfying meal of smoked fish, potatoes, courgette, mustard seeds and beurre blanc, served with sweet malted bread. In the kitchen we meet the head chef, Erik Tornberg, a Porvoo-native who went to the city’s culinary school and worked his way up the local restaurant scene. “This is a city where a chef will never go unemployed,” he says, even though many culinary professionals have relocated from Helsinki to Porvoo in recent years, in search of a gentler pace of life and other benefits that small-city living offers. “Don’t get me wrong,” says Tornberg. “You can’t rest on your laurels here.”The brightest star of Porvoo’s food scene is Vår, which earned its – and the city’s – first Michelin star in 2023. When Monocle visits, its menu includes crayfish, cold-smoked pike, a beetroot vorschmack and malt brioche, served with fennel and cucumber. “We are lucky to be surrounded by independent farms that cater to our needs,” Niko Lehto, the restaurant’s co-owner, tells Monocle as a voileipäkakku (a savoury sandwich cake) is served. “This allows us to source things such as garlic flowers, which are impossible to find even in Helsinki.”Breakfast at Runo hotelRuno Hotel’s 1912 façadeVår is an example of how Porvoo’s food scene and the wider city is evolving. Following international acclaim, it has started to attract more foreign visitors. “Almost a fifth of our patrons now come from abroad,” says Lehto. This is a challenge for the hospitality infrastructure of a city that is more used to catering to domestic day-trippers.Thank goodness, then, for Runo, a 56-room hotel designed by Joanna Laajisto that opened in 2021. It’s managed by Erkka Hirvonen, while the bar – an asset long missing from Porvoo’s culinary scene – is overseen by other team members. “We live in one of Finland’s most beautiful cities and this has had an effect on the food scene too,” says Hirvonen of the talent that has been tempted here to set up new businesses. “Good food is about taste and how it is presented. But it’s also about where you enjoy it.”Porvoo address bookStay: RunoRihkamakatu 4runohotel.comEat: VårPapinkatu 17restaurantvar.fiEat: SaltVuorikatu 17restaurantsalt.fiShop: Brunberg (Finland’s oldest confectionery factory)Välikatu 4brunberg.fiShop: Pieni suklaatehdas, for chocolateTeollisuustie 15suklaatehdas.comGetting herePorvoo is a 30-minute drive from Helsinki Airport or three hours from the capital by boat.

Tech 2025-12-24 20:05:42

Sheffield data specialist Cirata seals $2m deal to support major US bank

Sheffield data firm Cirata has announced a deal worth around $2m with IBM which will support a top three US bank – its biggest contract since the firm restructured last year. The business – which also has offices in Newcastle, Belfast, California, China and Japan – said the live data migrator (LDM) contract is the biggest of its kind with IBM to date, and will start on December 31. Cirata said it sees the contract as the “next step” in its ability to provide long-term support to the banking customer as it builds out its data architecture and implements Cirata’s product “into one of the most demanding enterprise environments”. The firm said: “The LDM contract also represents the first transaction completed under the terms of the new OEM agreement to integrate Cirata’s LDM technology inside IBM’s Big Replicate solution, previously announced on 2 October 2024. This will be the largest value contract for LDM since the restructuring of the company in March FY23, the largest LDM contract to date in financial services and the largest implementation through the IBM Big Replicate platform. Following the deal announcement Cirata said it had withdrawn its financial year 2024 bookings guidance, due to some major customers opting for one-year terms rather than multi-year terms, as well as movement of pipeline opportunities and bookings from the end of this financial year into the first half of 2025. New guidance will be issued in its regular quarterly trading update. Stephen Kelly, CEO of Cirata, said: “Cirata has set itself the challenge of delivering its LDM product to meet the needs of the most demanding enterprise technology environments. The announcement of the LDM contract through IBM Big Replicate proves Cirata is well positioned to meet those needs. We look forward to shaping a long-term relationship with this top 3 US bank as they build out their data architecture in response to the rapidly changing AI and Machine Learning landscape. “The recent renewal of our OEM agreement with IBM set the stage for the closure of this LDM contract, and so the win itself is doubly important. It is not only the largest transaction in the Company’s history for LDM within financial services, it is also the largest implementation of LDM for Big Replicate through our highly valued partner IBM. “While today’s announcement is a clear signal of our technology’s capabilities and our own ability to build commercial trust, it is also a reminder that large contracts can make our business lumpy and that forecasting has indeed proved challenging. In parallel with the announcement of this new contract, Cirata withdraws its FY24 bookings guidance. This is mainly due to the LDM contract and one other contract being of a one-year rather than a multi-year term and the movement of pipeline opportunities and bookings expectations from Q4 FY24 to H1 FY25, which has caused a sufficiently wide variation to expected outcomes for bookings. Our focus continues to be on the long-term potential of our support for this top US bank, our partner IBM and our other customers. “I thank our colleagues for getting us towards the end of the recovery phase of the company. We inherited a broken business from a peak annualized cost base of $45m per annum to a company exiting FY24 with a cash overhead of circa $20m per annum. Our cash burn in Q1FY23 was an unsustainable $11m per quarter and as we exit Q4, Cirata will be on a path towards cash flow breakeven. "That adjustment has involved more than halving the workforce, with all the trauma that entails. However, our colleagues are responding to that challenge by building and hardening a differentiated product and selling successfully into one of the most demanding environments in IT. The Data Integration product performance has improved from -87% decline in Q1FY23 to 180% growth in the last reported quarter, Q3FY24.

Personal Finance 2025-12-23 19:14:09

Current ARM mortgage rates report for Oct. 30, 2025

Homeowners with some tolerance for uncertainty might find that an adjustable-rate mortgage is worth considering as a way to get a low introductory rate before the adjustments kick in. This loan type can be a particularly good choice if you’re aiming to rent out for flip the property, or when you know you intend to move before the loan’s fixed-rate period ends.Keep reading and we’ll explain how ARMs work, consider when an ARM is worth considering as an alternative to a fixed-rate mortgage, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of October 29, 2025. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.625%5.750%6.000%APR6.508%6.520%6.670%Interest RateBank of America 7/6 ARM5.625%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM6.000%APRBank of America 7/6 ARM6.508%U.S. Bank 7/6 ARM6.520%Zillow Home Loans 7/6 ARM6.670%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate mortgages dominate U.S. households, comprising about 92% of all home loans. Unlike adjustable-rate mortgages (ARMs), which allow interest rates to change after an initial period, fixed-rate loans offer consistency throughout their term—which likely explains their popularity.That said, ARMs can be advantageous under specific circumstances. Around 8% of borrowers choose them for their unique benefits.When you might consider an adjustable-rate mortgageThree groups of homebuyers can commonly benefit from considering ARMs:Homeowners who intend to move soon:If you’re confident you’ll be moving in a few years, perhaps because this is a starter home, an ARM may let you enjoy a low introductory rate without worrying about future adjustments.Real estate investors:Landlords buying a property to rent out or house flippers intending to sell a property quickly may use ARMs with the intent of adjusting the monthly rent if interest rates increase or selling before the adjustment period kicks in.Buyers in high-interest environments:During times of elevated interest rates, ARMs can sometimes offer lower rates during the introductory period, and the potential for relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs begin with an introductory fixed rate that often lasts three, five, seven, or 10 years before the loan transitions into its adjustment periods. How much your rate changes during an adjustment period can depend on a variety of factors, including:Benchmarks like SOFR:An ARM’s rate is typically tied to a benchmark, commonly SOFR. This particular benchmark reflects the cost for banks to borrow money overnight. The U.S. Treasury publishes an updated each morning. Margins:Fixed margins are added by lenders on top of the benchmark to determine your ARM rate. These can often range between 2% to 3.5%.Caps:Adjustment caps limit how much rates can increase at specific intervals or over time. You may hear about initial adjustment caps, subsequent caps, and lifetime caps.Common ARM formats include 5/1 (an introductory rate that lasts for five years followed by annual adjustments) and 10/6 (a 10-year intro period followed by adjustments every six months) structures. Other structures on the market include 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageLife happens. Plans change. If it turns out you’re going to be in your starter home longer than expected, and you initially took out an ARM, you might opt to refinance to a fixed-rate loan.First, know you’re not alone. A large chunk of Millennial and Gen Z homeowners can’t afford to upgrade and are continuing on in their starter homesTo refinance from an ARM to a fixed-rate mortgage, the process is more or less the same as refinancing from one fixed-rate loan to another. You’ll shop around with various lenders, provide the application documents necessary to show your credit profile and income meet the lender’s requirements, and you’ll use the new loan to pay your old one off in full. Pros and cons of adjustable-rate mortgagesWork with a trusted loan officer to ensure you’re selecting the best mortgage type for your needs. To get you started, here are some basic factors to consider in evaluating if an ARM is right for you.N/AProsPossibly lower initial rate compared with fixed-rate loans.Potentially easier qualification standards for some borrowers. Chance to save if market conditions improve and rates go down.ConsPayments could spike after adjustments begin.Comparing offers is more complex than with common fixed-rate loans.Homeowners face more unpredictability than with a fixed-rate loan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-22 10:48:14

The six restaurants that you should be booking this month, from Copenhagen to Sydney

1.RivieraCopenhagenChiara Barla, the Italian chef at Apotek 57, the café by design store Frama, has recently opened a new spot, Riviera, in Nansensgade. Inside the former 1960s bakery, a Frama-designed central trestle table invites customers to sit side by side, Copenhagen-style.On the menu are Danishfastelavnsbollerbuns, figs and Parma ham on homemade sourdough andspandauerpastries. “Most of our dishes are prepared in the same oven in which we bake our bread, which is at the heart of the bakery itself,” says Barla. Don’t leave without trying her pistachio croissants.framacph.com2.Derrel’sSydneyThe sign at the door reads, “Derrel’s, Nana never cooked.” Grandpa Derrel was the chief cook in chef Brendan King’s family. This Anglo-Indian restaurant is named for King’s grandfather, who inspired the diner and the menu at the inner western-Sydney suburb of Camperdown.Known with fondness locally for its late-night bites, Derrel’s is busy from its 17.00 opening time – often with a queue out the door – and serves until midnight. For residents, staff from the nearby hospital and students from the university, it’s a bastion of hope in a city that rarely has kitchens open past 21.00. “Reserved” signs predominate but you can either call ahead or wait for space then order at the counter. Make sure you don’t miss the samosa chaat: smashed samosas on a spicy chickpea curry, minty yoghurt, coriander, chilli and a tamarind chutney.Follow it with a half tandoori chicken plate with a side of chips (a bowl of butter chicken gravy to dip them in can be added to your order) and a bright tomato and cucumber salad laced with cumin. Or why not try a simple tray of butter chicken with roti and rice, washed down with a mango lassi? And it’s not just the food that’s refreshing at Derrel’s – the service is lively and fresh too.89 Parramatta Rd, Camperdown3.Bouchon CarêmeHelsinkiDrawing inspiration from Lyonnaise fare, Bouchon Carême features hearty and full-flavoured Gallic-style dishes. “Lyon is the cradle of French gastronomy,” says chef Hans Välimäki, its founder. Ample use of natural wood and soft light lend the restaurant the air of an unpretentious bouchon.bouchoncareme.fi4.PlutoBerlinThere’s no shortage of wine bars in Berlin, a city now enjoying a glass with the fervour once reserved for craft beer. In Prenzlauer Berg, Pluto draws a devoted crowd. This is partly down to the pedigree of its founders, Vadim Otto Ursus and Sören Zuppke, who made a mark on Berlin’s culinary scene with Otto in 2019. “With Pluto, we wanted to create a place where strangers might find themselves sharing a bottle at the bar,” says Ursus.With ties to organic farmers in Brandenburg, the menu stays true to classic bar fare but with the odd adventurous twist: think fromage de tête, a veal tongue salad or a fiery musselescabeche. The winelist reflects years of research on small biodynamic producers across Europe. Perhaps the most un-Berlin thing about Pluto? No reservations.pluto-berlin.net5.Don’t Tell DadLondon“London’s independent bakery scene is incredible but Queen’s Park has yet to see a standout – and it deserves one,” says restaurateur Daniel Land, who recently opened Don’t Tell Dad in the northwestern enclave of the UK capital.Customers who arrive at the bakery early will find burnt-lemon tarts, brown-butter-and-hazelnut croissants and wild-garlic-and cheddar twirls. Come nightfall, a candlelit bistro-style ambience beckons, with dishes by ex-Noble Rot chef Luke Frankie.donttelldad.co.uk6.SouenTokyoTea master Shinya Sakurai wanted to revive an appreciation for traditional Japanese tea shops without the fuss. “You used to be able to smell tea being roasted everywhere but these businesses have been disappearing,” he says. So he transformed a former sweet shop in Tokyo’s Setagaya ward into Souen, which opened in January.In contrast to the Sakurai Japanese Tea Experience in the Minami-Aoyama district, Souen has a more casual setting. Original seasonal blends are the focus, while various leaf teas, matcha lattes and tea cocktails broaden the appeal. Teas are served in ceramics made by Kagoshima-based potter Shuo Iwakiri. A selection of sweets is produced in-house.3-17-11 Wakabayashi, Setagaya, Tokyo 1540023

Tech 2025-12-07 14:01:00

2025 predictions for Apple, Amazon, Meta, Tesla and other tech titans - what to expect

The 'Magnificent Seven' tech giants, namely Apple, Nvidia, Microsoft, Amazon, Alphabet, Meta and Tesla, saw a combined growth of 63 per cent in 2024, building on the strong performance of 2023. Deutsche Bank disclosed that these companies generated more profit in 2024 than most national stock markets, as reported by City AM. However, JP Morgan has predicted a decline in their contribution to S&P 500 earnings growth from 75 to 33 per cent in the coming year, indicating potential challenges. Will they maintain their market dominance this year? Here's an analysis of their prospects for 2025: Apple, a much-loved brand, reported robust sales in 2024, with its privacy features and ecosystem retaining customer loyalty. However, service growth fell short of expectations, and innovation in hardware seemed subdued. Susannah Streeter, Head of Money and Markets at Hargreaves Lansdown, suggests that the company's focus on AI could steer it in a new direction in 2025. Despite a five per cent cumulative revenue growth over the past three years, the consensus is for seven per cent growth in 2025, keeping expectations high. However, its stock has only risen 41 per cent over the past three years, underperforming the 51 per cent increase in the information technology index. Microsoft, meanwhile, cemented its place at the heart of the AI revolution in 2024, with Azure revenue up by 34 per cent, as per Streeter. The integration of AI tools like Copilot across its software suite has impressed analysts. In the forthcoming year, cloud computing competition and increased regulatory scrutiny could challenge its growth trajectory, yet the discontinuation of Windows 10 support might trigger an upgrade cycle, according to Dan Niles, founder of AlphaOne Capital Partners. He recently expressed on LinkedIn that the termination of Windows 10 "could also lead to some upgrades in their core PC business while a ramp in AI PC demand is a hope for some point in the future". Amazon's Cloud AWS remained a key growth driver in 2024, with a 19 per cent revenue increase as global AI adoption soared. E-commerce margins saw a rebound following the company's cost-reduction strategies. Streeter noted, "margins have recovered after the huge cost-saving drive with worldwide layoffs." Amazon may emerge as the top performer for 2025, having surpassed both revenue and margin expectations in the latest quarter. However, Nile pointed out the potential for a challenging start to 2025 due to uncertain consumer spending patterns, fewer shopping days, and less favourably timed holidays. For Meta, the tech behemoth's strategic downsizing yielded positive results in 2024, evidenced by a five per cent increase in daily active users. Its investment in AI has improved ad targeting and content curation, bolstering advertiser trust. Yet, the question remains whether Meta can maintain its growth momentum into 2025 without the previous year's tailwinds from political elections or major events like the Olympics, which had contributed to heightened user engagement. "If its revenue doesn’t keep up", warned Streeter, "margins may come under pressure, deterring its investors". Alphabet, the parent company of Google, also posted strong results in 2024, driven by its cloud business and AI advancements. However, the ongoing case by the US Department of Justice against Google’s search monopoly casts a shadow over the firm’s 2025 outlook. Sundar Pichai, the Chief Executive, highlighted the importance of utilising AI to accelerate progress and solve real-world problems. The company made headlines towards the end of 2024, as Pichai prepared his employees for an important, "pivotal" year ahead, while also alerting them to potential challenges. Tesla begins to lose momentum. Tesla experienced a surge of optimism in 2024, with its stock increasing by 63 per cent, partially due to Elon Musk’s advisory role in the Trump administration. However, a decrease in EV demand and the potential loss of tax credits in 2025 could impact the company’s sales. Therefore, Tesla's ability to scale production of its affordable electric vehicles and expand self-driving capabilities will be crucial for 2025. Nvidia was largely the leader of the Magnificent Seven group in 2024, overtaking Apple as the world’s most valuable company with its shares rising by 171 per cent amid surging AI demand. Despite taking a slight hit at the end of 2024, according to Investopedia, the firm’s sales and earnings flourished. Moreover, Nvidia's Blackwell super chip and dominance in AI infrastructure are positioned for continued growth in 2025.

Personal Finance 2025-12-27 21:28:07

Current price of silver as of Thursday, November 6, 2025

At 8:15 a.m. Eastern Time on November 6, 2025, silver cost $48.66 per ounce. That’s a $0.95 rise from yesterday and more than a $17 increase compared with last year.Silver price per ounce% ChangePrice of silver yesterday$47.71+1.99%Price of silver 1 month ago$47.99+1.39%Price of silver 1 year ago$31.17+56.11%Price of silver yesterdaySilver price per ounce$47.71% Change+1.99%Price of silver 1 month agoSilver price per ounce$47.99% Change+1.39%Price of silver 1 year agoSilver price per ounce$31.17% Change+56.11%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t an investment to look to for explosive returns. In the long term, it significantly trails the stock market. Since 1921, silver’s value has lagged the S&P 500 by about 96%—meaning an identical investment in both would leave the silver portion worth roughly 96% less on November 6, 2025. Silver’s appeal lies in stability and hedging against inflation. Known as a “store of value,” it often preserves purchasing power when inflation bites, effectively petrifying the value of your money until you want to access it again. That said, silver’s price swings are more pronounced than gold’s because of its industrial applications—in gadgets, healthcare tools, and beyond—whereas gold is almost exclusively a safe-haven asset.What does “spot silver” mean? The “spot silver” price indicates the current rate at which silver could, in principle, be traded instantly. But we should note that buyers in the real world typically face premiums above spot to cover markups, shipping costs, and insurance. Spot pricing offers investors a real-time barometer of market demand. That is to say, a higher spot price suggests stronger buying pressure.What is “price spread” in silver trading? “Price spread” denotes the difference between ask and bid prices: Ask price.This means the cost to purchase silver Bid price.This means the proceeds from selling silver A tight bid-ask spread points to high liquidity, while a wide gap can indicate lower trading activity. How to invest in silver Silver holdings can be physical or fund-based (ETFs). ETFs allow you to gain exposure without handling storage or logistics, as the fund can still retain actual silver. Popular silver investments include: Bullion.This is in the form of bars or rounds sold by weight and purity. Coins.Government-minted currency such as American Silver Eagles and Silver Maple Leafs, often sold at a premium, are popular both for aesthetic reasons and because the government backing may give buyers a level of confidence in the purchase’s authenticity.  Jewelry.Think artisanal pieces that command prices above equivalent-purity bullion. Mining stocks.This refers to shares in companies extracting silver, offering an indirect route for investing in silver. On exchange platforms, bullion and coins must be at least 99.9% pure. Anything below this threshold typically qualifies as industrial or collectible silver. The best silver IRA companies can help you to formulate a strategy for investing in precious metals like silver.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; 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font-weight: 600; } }Is it a good time to invest in silver? Silver’s price has climbed almost 25% in 2025, reaching decade-high levels. Whether to buy now hinges on your strategy. Precious metals can hedge inflation, and rising industrial uses—from solar to electronics—could potentially drive further gains. However, investors looking for more robust growth may be disappointed. Current precious metals prices as of 8:15 a.m. ET on November 6, 2025 Precious metal Price per ounceGold$4,009.61Silver$48.66Platinum$1,560.55Palladium$1,410.98GoldPrice per ounce$4,009.61SilverPrice per ounce$48.66PlatinumPrice per ounce$1,560.55PalladiumPrice per ounce$1,410.98Gold is the stalwart safe haven; platinum and palladium share similar volatility to silver due to smaller markets.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway In an uncertain economy, precious metals may be a prudent addition to one’s portfolio. Silver’s performance in 2025 has bested gold’s, and some analysts predict a continued uptrend which may potentially push prices to all-time highs. Silver’s relatively low cost makes it more accessible for the casual investor. Whether through physical holdings, ETFs, or mining equities, you can position yourself to benefit from the next silver upswing. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors typically advise allocating no more than 10% to 15% to silver and capping precious-metal exposure overall at 20%.Can silver be held in an IRA?Yes—IRA-approved, 99.9% pure coins and bars held by an IRS-approved custodian qualify.  While some may choose to collect silver jewelry with lower purity levels or pre-1965 U.S. coins containing silver (often containing around 90% purity and known as “junk silver”) just know these won’t qualify for IRA inclusion.What’s driving silver prices in 2025? This year’s silver rally likely stems from limited supply and growing demand from industrial and investment sectors.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-11 17:04:16

Three beautiful new hotels to unwind in: From a homage to Palm Springs on Ibiza to a striking hotel in Amsterdam

1.Rosewood AmsterdamAmsterdamWhat took 10 years to build but 10 minutes to become the most talked-about opening of 2025 (so far)? The Rosewood Amsterdam, of course. Extending across a city-block-sized building on Prinsengracht, the striking hotel, which was once an orphanage and then a courthouse, was reworked by Studio Piet Boon for its spring opening. Current city regulations suggest that this will be the last new hotel to be developed within the capital and it could hardly have picked a finer establishment: think coffered ceilings, velvety nooks and a rich palette of warm bronzes, greys and inky blues across the 134 guest rooms and the Asaya Spa.For those planning a longer stay, there’s a set of five vast canal-side residences. The Netherlands’ favourite garden designer, Piet Oudolf, has rolled up his sleeves to plant the courtyard garden, while drinks and dinner are covered by the Advocatuur bar and Eeuwen restaurant. Is Rosewood resting on its laurels and taking a well-earned break? Not quite: all eyes are already on London for the slated September opening of The Chancery in the former US embassy on Grosvenor Square.rosewoodhotels.com2.Los FelicesIbizaTucked away in Ibiza’s Cala de Bou, The Concept Hotels Los Felices is a technicolour homage to the glamour of Palm Springs. The 113-key property is the inspiration of Diego Calvo, an Ibiza native who feels that hospitality can sometimes be too conservative (you could probably glean this from the colour scheme that he has chosen). “I see myself as a rebel,” he tells Monocle. “I wanted to create a hotel that is a destination in itself.”Los Felices is certainly that. It’s a riot of colour and playful nostalgia, designed by Il Mio Design, an Italian studio based in Madrid that has collaborated with Calvo on all of his projects to date. Here, 1960s motifs are combined with the world of high fashion; each of the guest rooms is named after a designer and decked out with photos from their campaigns, as well as a piece created by them.The pool area is the hotel’s pièce de resistance, a space that is as inviting as it is photogenic. Bespoke flooring, parasol collections created exclusively for Los Felices and floating sunbeds by Canacana Design add vibrant Mediterranean flair that is a world away from whitewashed Ibiza minimalism. And it’s all the more summery and fun for it.theconcepthotels.com3.Taberna BaskGhentIn a fast-changing corner of Ghent’s green belt – a bucolic network of open nature and canals – Belgian restaurateurs Sam D’Huyvetter and Nina de Cuyper are channelling the spirit of San Sebastián’spintxosbars at Taberna Bask. “We saw it as a challenge to create a space where neighbours, families and curious passers-by alike feel welcome without the fuss of having to book ahead,” says D’Huyvetter.Applying Basque thinking to the Belgian terroir, the couple serve homemade morcilla, chorizo and coppa made from family-owned pigs, daily sourdough and imaginative creations including guinea fowl croquetas and red mullet withchipirónsquid. Built with vintage finds, this corner spot strikes a balance between Belgian conviviality and soft ochre walls and warm lighting which evoke a Spanish late afternoon.tabernabask.beImages: Louise De Groote

Travel 2025-12-12 00:16:56

Sicily’s ‘scattered hotels’ offer new hope to the island’s hospitality industry

“There’s this building, the one behind it and the one with the balcony over there,” says Michele Bitetti, standing on aterrazzain the Sicilian town of Ragusa. He’s pointing out various parts of his hotel, the Giardino sul Duomo, to monocle – which might not sound like a particularly challenging task, except that this is analbergo diffuso(“scattered hotel”). That means the hotel’s 16 rooms are dotted around this beautiful neighbourhood. Ten years ago, the buildings that now house them were abandoned, symptoms of a depopulation trend that has hollowed out communities across theBel Paese– a consequence of mass emigration, declining work opportunities and a plummeting birth rate.In Sicily, these factors have dramatically converged and entire villages in the interior of the Mediterranean’s largest island have been boarded up. In the region’s more prosperous coastal areas, piecemeal losses have led to scatterings of abandoned buildings, giving towns a gap-toothed look. This was the case in Ragusa, many of whose citizens had left the old town (known as Ibla) either for the new suburbs that climb vertiginously up the opposite hill or for a new life across the ocean. At around the same time that Giancarlo dall’Ara, a young hospitality consultant from northwestern Italy, devised thealbergo diffusoconcept as a way of reviving tourism in the Friuli-Venezia-Giulia region, the regional government passed a law that provided funding and tax breaks to anyone starting a business in Ragusa or Siracusa.Swimming pool at an ‘albergho diffuso’Ragusa’s new townSicilian trafficMichele BitettiThis is what enabled Bitetti and his family to begin developing some buildings around an ancient garden into Giardino sul Duomo. Neighbours were initially resistant, wary of the effect that an influx of tourists might have on that perennial urban issue of parking. But, as Bitetti puts it, “Now they are grateful because we have renovated their neighbourhood and their houses are worth something.” For tourists attracted to the autonomy of private rentals, but who still appreciate the service provided by more traditional hotels, thealbergo diffusooffers a middle way. “If people start to come back and those who already live here begin to renovate their homes, the story changes,” says Bitetti. “It’s a virtuous circle.” There are currently about 150alberghi diffusiin Italy. At a time when hundreds of communities are facing extinction due to depopulation, such businesses are breathing new life into these beautiful villages.

Personal Finance 2025-12-27 07:27:14

Current price of gold as of October 31, 2025

The price of gold stood at $4,022 per ounce as of 9 a.m. Eastern Time on October 31, 2025. This marks a $47 increase compared to the same time yesterday and more than a $1,286 jump from a year prior.Gold price per ounce% ChangePrice of gold yesterday$3,975-1.17%Price of gold 1 month ago$3,864-3.93%Price of gold 1 year ago$2,736-31.97%Price of gold yesterdayGold price per ounce$3,975% Change-1.17%Price of gold 1 month agoGold price per ounce$3,864% Change-3.93%Price of gold 1 year agoGold price per ounce$2,736% Change-31.97%For those seeking an investment that isn’t directly linked to inflation fluctuations, gold could be a suitable option. Historically, gold tends to appreciate over time. A gold IRA is one of the most popular ways to buy and hold gold, providing portfolio stability during turbulent markets. It’s also a practical solution for investors who prefer not to deal with the logistics of storing physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always a guaranteed winner. In robust economic periods, equities can outperform both in the short and long run. From 1971 through 2024, the stock market’s average annual return was 10.7%, while gold’s was 7.9% over the same span.Still, during periods of economic instability, gold is considered a safer, risk-averse asset. Many investors view it more as a store of value than as an investment like stocks or bonds.What does “spot gold” mean?The spot gold price refers to the immediate purchase or sale price of gold in an over-the-counter transaction. This metric helps investors gauge current demand and market trends. Put simply, a higher spot gold price signals stronger demand. Unlike futures contracts, the spot price is for instant delivery.If the future price exceeds the spot price, this is known as contango, common in commodities with significant storage costs. If the futures price is below the spot price, the market is in backwardation.Numerous factors can influence the spot price, causing it to fluctuate frequently. Prospective gold investors should be comfortable with this level of price volatility.What is price spread in gold trading?A price spread is the gap between the price at which an asset can be purchased and the price at which it can be sold.In gold trading, these are called the ask price (the cost to buy) and the bid price (the amount you’d receive selling). The bid price is always less than the ask price.A narrower spread indicates a more liquid market. When the spread is tight, it suggests rising demand for gold.How to invest in goldIf your mind jumps to Scrooge McDuck diving into gold coins when you think of gold investment, that’s only partly accurate. While buying physical gold bars, coins, or jewelry is possible, gold is frequently traded via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, notes, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Common gold investment options include:Gold bars:Known as bullion, these are sold by weight (gram or ounce), with purity, weight, and manufacturer details stamped on the bar. Gold rounds are another form you may find bullion in.Gold coins:Collectibles like the American Gold Eagle often carry a premium over bars of equivalent weight due to their rarity and collectible status.Gold jewelry:Jewelry’s price usually exceeds its gold content value due to design and craftsmanship.Gold futures contracts:These allow investors to agree on a set price for gold at a future date, enabling speculation without physical delivery.Gold funds:Mutual funds or ETFs holding gold assets. Like other ETFs, their value fluctuates with the underlying holdings.Is it a good time to invest in gold?Determining whether now is the optimal time to invest in gold is somewhat subjective. However, gold can help diversify portfolios and cushion against market swings.Currently, gold remains a stable asset amid high market volatility. Prices have reached record levels, climbing over 25% since early 2025, driven by persistent inflation and economic uncertainty. Many experts recommend adding gold to diversify holdings.Current precious metals pricesas of 9 a.m. ET on October 31, 2025Precious MetalPrice per ounceGold$4,022Silver$49Platinum$1,597Palladium$1,463GoldPrice per ounce$4,022SilverPrice per ounce$49PlatinumPrice per ounce$1,597PalladiumPrice per ounce$1,463Silver, platinum, and palladium are also popular portfolio additions. Gold is generally less volatile than silver, which can swing widely even within a single day. Silver’s industrial uses make it more sensitive to economic shifts.Platinum and palladium behave similarly to silver. While these rare metals can add diversification, they tend to fluctuate more than gold.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #TYsOAUpXfTTuMvuH .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #TYsOAUpXfTTuMvuH .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #TYsOAUpXfTTuMvuH .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #TYsOAUpXfTTuMvuH .disclosure-contnr { text-align: center; } #TYsOAUpXfTTuMvuH .listing-header-cntnr { margin-top: 34px; } #TYsOAUpXfTTuMvuH .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #TYsOAUpXfTTuMvuH .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #TYsOAUpXfTTuMvuH .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #TYsOAUpXfTTuMvuH .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #TYsOAUpXfTTuMvuH .apy-label { font: normal normal 900 24px / 28px Roboto; } #TYsOAUpXfTTuMvuH .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #TYsOAUpXfTTuMvuH .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #TYsOAUpXfTTuMvuH .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #TYsOAUpXfTTuMvuH .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #TYsOAUpXfTTuMvuH .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #TYsOAUpXfTTuMvuH .additional-content { margin-top: 0px !important; } #TYsOAUpXfTTuMvuH .additional-content ul li { margin-bottom: 0; } #TYsOAUpXfTTuMvuH .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #TYsOAUpXfTTuMvuH .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #TYsOAUpXfTTuMvuH .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #TYsOAUpXfTTuMvuH .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #TYsOAUpXfTTuMvuH .shArrow { width: 12px; height: 7px; } #TYsOAUpXfTTuMvuH span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #TYsOAUpXfTTuMvuH .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #TYsOAUpXfTTuMvuH .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #TYsOAUpXfTTuMvuH #see_more_carrier, #TYsOAUpXfTTuMvuH .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #TYsOAUpXfTTuMvuH .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #TYsOAUpXfTTuMvuH .apy-label p { margin-top: 0px; margin-bottom: 0px; } #TYsOAUpXfTTuMvuH .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #TYsOAUpXfTTuMvuH { padding: 0 26px; } #TYsOAUpXfTTuMvuH .logo-image-wrapper { width: 136px; } #TYsOAUpXfTTuMvuH .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYsOAUpXfTTuMvuH .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYsOAUpXfTTuMvuH .prop-value-container .apy-container { flex: 0 0 44%; } #TYsOAUpXfTTuMvuH .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYsOAUpXfTTuMvuH .ad-copy-top-section { margin-bottom: 15px; } #TYsOAUpXfTTuMvuH .sh-row-product-title { max-width: 136px; } #TYsOAUpXfTTuMvuH .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #TYsOAUpXfTTuMvuH .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #TYsOAUpXfTTuMvuH .logo-image-wrapper { width: 100%; max-width: 292px; } #TYsOAUpXfTTuMvuH .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #TYsOAUpXfTTuMvuH .ad-copy { margin-left: 0; } #TYsOAUpXfTTuMvuH .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #TYsOAUpXfTTuMvuH .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #TYsOAUpXfTTuMvuH .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #TYsOAUpXfTTuMvuH .see-more-text { padding: 16px 15px; } #TYsOAUpXfTTuMvuH .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #TYsOAUpXfTTuMvuH .top-section-right { margin-left: 0px; } #TYsOAUpXfTTuMvuH .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #TYsOAUpXfTTuMvuH.sizeone .header-section { padding: 6px 10px; } } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .row-1 { padding-left: 14px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .prop-value-container .mfee-container #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .row-1, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .row-1 , #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .row-2, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .row-2 , #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .row-1, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .row-1 , #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .row-2, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .row-2{ display: unset; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .prop-value, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#TYsOAUpXfTTuMvuH.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#TYsOAUpXfTTuMvuH.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#TYsOAUpXfTTuMvuH.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #TYsOAUpXfTTuMvuH .shmktpl-title, #TYsOAUpXfTTuMvuH .sub-heading-container, #TYsOAUpXfTTuMvuH .filter-check-options-cntnr, #TYsOAUpXfTTuMvuH .listing-header-cntnr { display: none; } #TYsOAUpXfTTuMvuH.title .shmktpl-title, #TYsOAUpXfTTuMvuH.subHeading .sub-heading-container, #TYsOAUpXfTTuMvuH.multiSelectFilter .filter-check-options-cntnr, #TYsOAUpXfTTuMvuH.resultsText .listing-header-cntnr { display: flex; } #TYsOAUpXfTTuMvuH.sizeone .add-overlay-content { width: 62%; height: auto; } #TYsOAUpXfTTuMvuH.sizeone .disclosure-title { padding: 6px 0px; } #TYsOAUpXfTTuMvuH.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #TYsOAUpXfTTuMvuH .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #TYsOAUpXfTTuMvuH.sizeone .title-container { margin-top: 0; } #TYsOAUpXfTTuMvuH.sizeone .non_featured_list { margin-top: 0; } #TYsOAUpXfTTuMvuH.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #TYsOAUpXfTTuMvuH.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #TYsOAUpXfTTuMvuH .item { flex: 1 1 calc(50% - 48px); } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+3), #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+1), #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+1) + * { background-color: #fff; } #TYsOAUpXfTTuMvuH .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #TYsOAUpXfTTuMvuH .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #TYsOAUpXfTTuMvuH .desktop, #TYsOAUpXfTTuMvuH .desktop-inline { display: none; } #TYsOAUpXfTTuMvuH .mobile { display: block !important; } #TYsOAUpXfTTuMvuH { padding: 0 18px; } #TYsOAUpXfTTuMvuH .shmktpl-title { font-size: 24px; line-height: 29px; } #TYsOAUpXfTTuMvuH .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #TYsOAUpXfTTuMvuH .add-overlay-content { width: 80%; height: auto; } #TYsOAUpXfTTuMvuH .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #TYsOAUpXfTTuMvuH .row-1 { flex-flow: column; padding: 16px; } #TYsOAUpXfTTuMvuH .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #TYsOAUpXfTTuMvuH .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #TYsOAUpXfTTuMvuH .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #TYsOAUpXfTTuMvuH .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #TYsOAUpXfTTuMvuH .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #TYsOAUpXfTTuMvuH .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #TYsOAUpXfTTuMvuH .prop-value { margin-top: 0; } #TYsOAUpXfTTuMvuH .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #TYsOAUpXfTTuMvuH .non_featured_list { margin-top: 18px; } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #TYsOAUpXfTTuMvuH .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #TYsOAUpXfTTuMvuH .item:nth-child(3n), #TYsOAUpXfTTuMvuH .desktop-bg { background: none; } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { padding: 0; } #TYsOAUpXfTTuMvuH .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #TYsOAUpXfTTuMvuH .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #TYsOAUpXfTTuMvuH .disclosure-content ul { padding-left: 14px; line-height: 28px; } #TYsOAUpXfTTuMvuH .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #TYsOAUpXfTTuMvuH .additional-features { flex: 0 0 100%; } #TYsOAUpXfTTuMvuH .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #TYsOAUpXfTTuMvuH.sizeone .listing-header-cntnr { display: none; } #TYsOAUpXfTTuMvuH.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { position: fixed; } } #TYsOAUpXfTTuMvuH.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #TYsOAUpXfTTuMvuH.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #TYsOAUpXfTTuMvuH.listingAlignment .logo-image-wrapper img { width: 100%; } #TYsOAUpXfTTuMvuH.listingAlignment { padding: 0px; } #TYsOAUpXfTTuMvuH.listingAlignment .listing-title { font-size: 14px; } #TYsOAUpXfTTuMvuH.listingAlignment .listing-title span { font-size: 14px; } #TYsOAUpXfTTuMvuH.listingAlignment .row-1 { padding: 26px 10px; } #TYsOAUpXfTTuMvuH.listingAlignment .prop-name { font-size: 10px; } #TYsOAUpXfTTuMvuH.listingAlignment .prop-value { font-size: 14px } #TYsOAUpXfTTuMvuH.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #TYsOAUpXfTTuMvuH.listingAlignment .logo-column.flex-container { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .prop-conatiner { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .ad-copy-column.flex-container { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .cta-column.flex-container { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .disclosure-content ul li::before { content: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .disclosure-content ul li { list-style: disc; } } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #TYsOAUpXfTTuMvuH.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #TYsOAUpXfTTuMvuH.ctaAlignment .cta-column.flex-container { display: block !important; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button { font-size: 16px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #TYsOAUpXfTTuMvuH .sh-no-listing-msg { padding: 20px 0px; } #TYsOAUpXfTTuMvuH .sh-widget-footer-MBT { display: none; } #TYsOAUpXfTTuMvuH.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #TYsOAUpXfTTuMvuH.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYsOAUpXfTTuMvuH.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #TYsOAUpXfTTuMvuH .sh-widget-footer-QS { display: none; } #TYsOAUpXfTTuMvuH.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #TYsOAUpXfTTuMvuH.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYsOAUpXfTTuMvuH.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title, #TYsOAUpXfTTuMvuH.customizeColorEffect .prop-name, #TYsOAUpXfTTuMvuH.customizeColorEffect .prop-value, #TYsOAUpXfTTuMvuH.customizeColorEffect .curDate, #TYsOAUpXfTTuMvuH.customizeColorEffect span.current-date, #TYsOAUpXfTTuMvuH.customizeColorEffect .disclosure-content ul li, #TYsOAUpXfTTuMvuH.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #TYsOAUpXfTTuMvuH.customizeColorEffect .add-text, #TYsOAUpXfTTuMvuH.customizeColorEffect .see-more-text, #TYsOAUpXfTTuMvuH.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #TYsOAUpXfTTuMvuH.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #TYsOAUpXfTTuMvuH.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #TYsOAUpXfTTuMvuH.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #TYsOAUpXfTTuMvuH.sizeone.customizeColorEffect .header-section, #TYsOAUpXfTTuMvuH.customizeColorEffect .row-2 { background: #E9F0EC; } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title { display: unset; } #TYsOAUpXfTTuMvuH.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title .prod-name:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .add-text:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .disclosure-contnr .text:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .see-more-text:hover { color: #EB0017; } #TYsOAUpXfTTuMvuH.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #TYsOAUpXfTTuMvuH.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #TYsOAUpXfTTuMvuH.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title { display: block; } #TYsOAUpXfTTuMvuH.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #TYsOAUpXfTTuMvuH.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #TYsOAUpXfTTuMvuH .sh-right-arrow { display: none; } #TYsOAUpXfTTuMvuH.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); 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font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; 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color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has experienced significant changes in recent years, with prolonged inflation taking a toll. Gold can act as an inflation hedge within a portfolio. Thanks to various acquisition methods, it’s a relatively accessible asset for investors, regardless of experience. Whether you choose a gold IRA or a more active investment account, gold can help achieve both short- and long-term financial goals.Frequently asked questionsWhat is the best way to own gold?Many investors prefer gold ETFs, which offer a managed selection of easily traded assets.Is gold a good investment?Gold is often chosen by those seeking portfolio diversification and inflation protection. There are many accessible ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value per ounce than bars. Their collectible and historical appeal can make them attractive to some investors. Additionally, U.S. minted coins can help safeguard buyers against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-05 10:36:43

Newcastle volunteering app onHand seals £750,000 investment deal

Tyneside volunteering app onHand has secured a £750,000 investment to help companies to improve their corporate responsibilities through its social impact platform. The onHand app was launched five years ago by Sanjay Lobo and has been described as ‘Uber for volunteering’, offering firms a way to engage and support employee wellbeing. It has been used by a number of businesses around the UK to help employees complete thousands of sessions to help local communities. Now Northstar Ventures has led a £750,000 investment round into the social impact platform, with £325,000 invested by the North East Innovation Fund supported by the European Regional Development Fund and £175,000 from Northstar’s EIS Growth Fund, alongside investment by 24 Haymarket. Total investment in OnHand to date now tops over £5m, including two lots of backing from Shazam’s co-founder Dhiraj Mukherjee. Since Northstar Ventures’ initial investment in 2021, the business said it has acquired a diverse array of clients and it has just scooped 22nd place on Deloitte’s Fast50 of fastest growing tech businesses for 2024. CEO and founder Sanjay Lobo recently appointed CFO Will Turner, a proven expert in scaling SaaS metrics, having played a key role in growing Amplience from £3m to £25m in annual recurring revenue. Mr Lobo said: “Delighted to have the continued support of Northstar Ventures, who invested in OnHand at such an early stage, and 24 Haymarket following their initial investment. The next stage for us is helping even more enterprise businesses deliver incredible social impact in their local communities and building a culture of purpose at work.” Naomi Allen Seales, investment manager at Northstar Ventures, said: “It’s no surprise that OnHand is thriving, thanks to their exceptional leadership team. Our investment will support technical improvements to enhance the platform’s gamification and expand user options even further. It will also help the company achieve their ambition of breaking into the enterprise market. We are thrilled to support such an exciting, innovative company, as we recognise the value of corporate volunteering.”

Travel 2025-12-07 23:45:22

The Monocle Concierge’s illustrated guide to Tokyo during cherry blossom season

Click here to enjoy Monocle’s complete city guide to Tokyo

Tech 2025-12-09 07:13:23

Tech firm Olsen Actuators & Drives plans 'significant growth' after securing £700k investment through Northern Powerhouse Investment Fund

A Cheshire tech firm whose products are being used in prototype flying taxis is planning “significant growth” after securing a £700,000 investment. Olsen Actuators & Drives, of Daresbury and Runcorn, was founded in 2004 by mechanical and manufacturing engineer Piers Olsen and today supplies high performance advanced electro-mechanical systems to sectors including aerospace, defence and robotics. Its custom projects have included developing manned primary flight controls for aircraft – including for the prototype VX4 Vertical Aerospace fully electric air taxi. Now it has secured a £700,000 investment through NPIF II – FW Capital Debt Finance, which is managed by FW Capital as part of the Northern Powerhouse Investment Fund II The company says the investment will help it to fulfil a number of new contracts “with blue chip names”, and will also help to create six jobs. Ian Walch, managing director at Olsen Actuators & Drives said: “The NPIF II funding from FW Capital is helping us to fulfil a significant number of new contracts, expand our engineering team and invest in key research and development projects. Areas where we’re seeing the biggest growth include custom solutions for aerospace, subsea, defence, and marine markets. “The increased demand for our actuator solutions is seeing us work directly with some global blue-chip names and prime contractors. The aero market, particularly the eVTOL (electric Vertical Take-Off and Landing) and heavy lift drone market, continues to be a rapidly expanding sector for Olsen and one where we are seeing great opportunities. We’re excited for the future and this investment will be instrumental in supporting our future growth and has enabled us to add six new roles to our team.” Laura Rees, senior investment executive at FW Capital said: “Olsen Actuators & Drives operate in a niche market, bringing a high level of expertise and innovation. The projects they are working on are impressive and we’re delighted to provide funding to support this work. It’s also another great example of how NPIF II funding is helping to drive growth in the local economy with the creation of new jobs as a result of their new business wins.” Sue Barnard, senior manager at the British Business Bank, said: “There has been increased investment in electric vehicles over recent years as businesses look for ways to swiftly move to a more sustainable way of working. This is a great example of a business that is environmentally focused, which aligns well with the NPIF II objectives, and it’s exciting to see a Northern business using NPIF II to unlock their next stage of growth in the region.” As part of the Northern Powerhouse Investment Fund II, FW Capital will provide debt finance options from £100,000 to £2million to businesses based in the North West.

Tech 2025-12-29 09:33:35

Tessl, a London-based AI firm, hits a $750 million valuation just nine months post-launch

British AI start-up Tessl has achieved an impressive $750m valuation merely nine months after its inception, signalling its intent to transform the way computer programmers develop software. The company, headquartered in London and established in February, secured a substantial $100 million in its Series A funding round, led by Index Ventures. The funding cohort also includes notable investors such as Accel Partners, GV, and boldstart, as reported by City AM. This follows a previously undisclosed seed investment of $25 million in April, with GV, previously known as Google Ventures, amongst the participating entities. Entrepreneur Guy Podjarny, who previously held the CTO position at cloud services company Akamai the acquirer of his first enterprise, Blaze. io, in 2012 founded Tessl. Podjarny is also noted for founding cybersecurity specialist Snyk. io back in 2015. Tessl, which plans its market debut in early 2025, is looking to speed up and democratise the software development process utilising sophisticated AI models. With a current headcount of 21, the firm has developed two test iterations of its coding assistant. The waitlist for this tool was launched this Thursday. "We're creating a new paradigm where humans express what they want to build, and AI handles the implementation," remarked CEO Podjarny regarding the forward-thinking vision of the company. Tessl envisages channeling the fresh capital into platform enhancement and expanding its team, particularly in research, engineering, and design expertise. While the company withheld its valuation, this milestone reflects a burgeoning demand for artificial intelligence technology, highlighting it as a cornerstone in the government's renewed push to elevate Britain's standing in the global tech scene. The UK's reputation as a top destination for tech and AI investment has been reinforced by this latest deal, according to Science Secretary Peter Kyle, who commented on Thursday: "The UK is one of the best places to invest in tech and AI as shown by this latest announcement,". He added: "Last month we announced more than £6bn of international backing for data centres to boost our AI capacity, and today we're seeing investors going faster and further to support brilliant British AI expertise."

Travel 2025-12-19 21:04:05

How high-end technology misses the point in hospitality

Think back to the last time that you checked in to your favourite hotel. Were you welcomed by an affable, familiar smile or proffered a QR code to scan? Were you excited about the unveiling of a proprietary messaging system? At first glance, better technology in the hotel bedroom can be a good thing for streamlined and more efficient communication. For some guests, it’s a way to cut to the chase and avoid pesky interpersonal interactions. But how does it feel to totally replace the faces and the voices of familiar eager-to-please staff members for backlit screens? That’s where most hospitality-tech evangelists come unstuck. The desire for human connection and a local perspective is something that artificial intelligence (AI) and algorithms are having real trouble replicating. As a full-time concierge at a top Paris hotel, I should know.Illustration: Studio PongLately, the push for technology to streamline human communication in the luxury-travel industry has escalated. This is especially evident in messaging systems now used by several high-end hotel chains that cater to those guests who shun traditional communication methods in favour of efficiency. The problem? By giving completely anti-social guests what they want – and looking to justify the costly set-up of new technology by suggesting that this is progress – hoteliers are at risk not only of enabling but also cultivating rudeness and bad behaviour. AI has already started handling simple guest requests. Some tools appeal to the convenience-oriented traveller who thinks that calling a human at the front desk is somehow outdated or banal. It’s not always bad for staff either, especially if it saves time. The only real difference between a good hotel and a great one – décor, location and your own preferences notwithstanding – is the level of service. And in my decades in the job this is rarely, if ever, a matter simply of efficiency. It’s mostly about moments of personal connection that help guests to feel seen and looked after.Perhaps it’s time for a small step back from the precipice. Technology can be convenient, of course, but this shouldn’t be confused with hospitality. Sometimes good service involves making an effort for others.The best hotels must balance the capacity to streamline services with preserving meaningful interactions. People travel for face-to-face time – not Facetime – and that should be the way forward.Adrian Moore is a Paris-based Clefs d’Or concierge and co-author of the book ‘Chefs’ Fridges’ published by Harper Collins.

Travel 2025-12-20 13:00:21

The concierge: Our comic-book hero saves the day while gift shopping in Paris

Click here to enjoy Monocle’s complete city guide to Paris

Tech 2025-12-20 17:16:46

£12m innovation boost for North West shipping, nuclear and cybersecurity

Three North West innovation clusters have won millions of Government cash to boost businesses and universities in areas from nuclear robotics to cybersecurity and maritime decarbonisation. The Engineering and Physical Sciences Research Council (EPSRC) is investing £22m in seven “research and innovation clusters” across the nations and regions of the UK. Two of the projects are rooted in the North West, with a third designed to connect the nuclear legacies of Cumbria and Oxfordshire. The CyberFocus project , led by Prof Daniel Prince at Lancaster University, has secured £4.9m in EPSRC funding. It aims to “fuel the socio-economic potential of the North West cyber sector to ensure that the UK remains at the forefront of cutting-edge cyber security”. It brings together universities, businesses and public sector bodies across Greater Manchester, Merseyside, Lancashire and Cumbria. The EPSRC added: “The project benefits from the arrival of Government Communications Headquarters in Manchester and the imminent arrival of the National Cyber Force in Lancashire. It will foster cross-cluster collaborations with other regional specialisms in aerospace, defence, nuclear and manufacturing.” The project aims to create 85 new collaborative partnerships, develop 400 new products, processes or services, secure an extra £40m in funding for the North West, and to train 300 people in cyber innovation skills. The Maritime and Last Mile Net Zero (MaLaMi) project , led by Prof Zaili Yang at Liverpool John Moores University with other university and public sector partners, aims to accelerate maritime transport decarbonisation and grow low-carbon logistics in Liverpool City Region and across the shipping corridor to Belfast. The maritime economy contributes some £800m in gross value added (GVA) to Liverpool City Region annually, handling 45% of UK trade from North America. The EPSRC said: “MaLaMi will bring greater cohesion and join up researchers, civic bodies and businesses to drive innovation across the maturing LCR maritime cluster that covers areas including commercial shipping, transport, fuels and vessel designs.” And the research body said its £2.5m investment would “lead to the translation of research and technology into commercial applications that will benefit the maritime industry” and “provide insights that could be extended to national levels”. Meanwhile the UK Atomic Energy Authority (UKAEA) will lead the creation of a £4.9m nuclear robotics and artificial intelligence (RAI) cluster across Cumbria and Oxfordshire. The cluster will advance work on the decommissioning of the UK’s legacy nuclear fission facilities . The UKAEA said the cluster will connect academia with the supply chain and added: “The cluster will enable regional growth, create and retain jobs, and help establish the UK as the international lead in nuclear innovation, a US$1 trillion industry.” The project aims to: Create 200 business opportunities Establish 10 spin-out companies Generate 200 new jobs Engage 5,000 people in cluster-driven events Deliver 25 licensing deals Dr Kirsty Hewitson, director of RAICo at UKAEA, said: “As part of our mission to bring fusion energy to the grid, UKAEA hosts the UK’s largest nuclear robotics and artificial intelligence group, with the ability to design, build, and operate robotics for extreme industrial environments. “This new robotics and AI cluster provides an opportunity for UKAEA to leverage our expertise, in collaboration with other consortium partners, wider academia and industry, to develop innovative robotics and AI solutions for nuclear fission and fusion energy decommissioning and adjacent sectors. “UKAEA welcomes this support from UKRI and we look forward to working with university and civic partners to drive research and development that delivers real economic and social impact to Cumbria and Oxfordshire.” EPSRC executive chair, Prof Charlotte Deane, said: “The seven projects announced today will harness regional research and innovation strengths to unleash the potential of emerging and existing innovation clusters across the UK. “Our investment will strengthen partnerships between UK universities, civic bodies and local businesses to create new jobs, improve skills and boost regional economic growth that will benefit places and communities directly. The other clusters are a Digital Healthcare Technology Impact Accelerator (DHTA) in Belfast, a ‘RehabTech Valley’ project in the East Midlands, a scheme to accelerate innovation in the Forth and Tay offshore wind cluster in Scotland, and the North East Space Communications Accelerator (NESCA). CyberFocus: cyber impact for the North West EPSRC investment: £4.9 million Led by: Professor Daniel Prince, Lancaster University University and civic partners: Nuclear robotics and AI cluster across Cumbria and Oxfordshire EPSRC contribution: £4.9 million Led by: Dr Kirsty Hewitson, UK Atomic Energy Authority University and civic partners: Maritime and Last Mile Net Zero (MaLaMi) Led by: Professor Zaili Yang Liverpool John Moores University EPSRC contribution: £2.5 million University and civic partners:

Tech 2025-12-15 11:01:58

Sage earnings climb as cloud uptake grows and AI assistant rolled out

Revenue and profits have jumped at accounting software maker Sage driven by more uptake of its cloud-based products. The Tyneside-based giant, which sells across the world, published results for the year to the end of September showing statutory revenue grew 7% to £2.332bn and statutory operating profits rocketed 43% to £452m. Investors were shown that annualised recurring revenue increased 11% to £2.339bn and underlying operating profit was boosted 21% to £529m. The FTSE100 firm also announced a £400m share buyback programme which it said reflected strong cash generation, a robust financial position and the board's confidence in its future prospects. In a separate update, Sage said the programme would start immediately and run no later than June 3, 2025. Within the results, growth was said to have come from all regions, led by North America which saw a 12% rise in underlying total revenue to £1.05bn. Speaking to BusinessLive post results, CEO Steve Hare said that Donald Trump's election in the US might provide a short term boost to Sage's small and mid-sized customers there who are focussed on the domestic market. Growth over the Atlantic was followed by UK, Ireland, Africa and APAC with an 8% rise to £670m, and then Europe with 6% growth to £610m. Bosses highlighted revenue growth across the firm's Sage Cloud Business products, which increased 16% to £1.87bn, including cloud native revenue growth of 23% to £732m. Renewal rate by value reached 101%, which Sage said reflected strong retention rates and a healthy level of sales to existing customers. Meanwhile, the firm's generative AI-powered desktop assistant, Sage Copilot, was rolled out to more customers with much of the development work having been done by the firm's Tyneside-based engineers. The assistant, which is designed to handle administrative and repetitive tasks and also make operational recommendations for business owners, is currently available to more than 8,000 UK customers of Sage Accounting, Sage for Accountants and Sage Active. The AI tech is designed to give Sage customers an "extra pair of hands" which Mr Hare says will be attractive to productivity hungry businesses. It will be monetised via a premium service and incrementally rolled out to more Sage customers in due course. Mr Hare said of the results: "Sage has delivered another successful year, achieving strong, broad-based revenue growth together with significantly higher profits and cash flows. We also invested further in our products and continued to execute well against our strategic priorities. Our high pace of innovation continues, as we enhance existing products and expand key cloud solutions throughout our markets.

Travel 2025-12-04 04:52:55

How Balneário Camboriú became Brazil’s mini-Dubai

Not so long ago, the Brazilian town of Balneário Camboriú was best known as a quiet coastal outpost where holidaymakers from neighbouring states would come to enjoy the beach. In recent years, however, it has undergone an abrupt change and has the skyline to prove it. It’s here that you’ll find the country’s 10 tallest buildings under construction – remarkable for a city with a population of about 139,000 (though that rises to almost a million in peak season).As you approach Balneário Camboriú, you’ll see a long line of oceanfront skyscrapers on the horizon. It’s an impressive sight – no wonder the city is known as Brazil’s mini-Dubai. Driving the property boom is a combination of fresh opportunities, the arrival of new wealth, enviable security (by Brazilian standards) and a bit of luck too. “Balneário Camboriú is sui generis,” TV presenter and journalist Dagmara Spautz tells monocle. “It’s unique. I can’t say that its qualities would be good somewhere else. The city built itself like this and it works.”Night lightsMayor Fabricio OliveiraBalneário Camboriú is in the wealthy southern state of Santa Catarina, which has low levels of unemployment and an enviable safety record – a significant draw for those from urban centres in the north with high crime rates. When monocle visits the office of its mayor, Fabricio Oliveira, he offers an explanation for the boom that his city is currently experiencing. “In recent years, there has been a repositioning of Balneário Camboriú, especially since the pandemic,” he says. “With some infrastructure and action, we have managed to establish it as a cultural and economic hub, bringing in international events such as Fight Week, a martial arts tournament. For our New Year celebrations, we partnered with the uae, which sent more than 1,000 drones for Brazil’s largest-ever show of its kind. We have also worked on the expansion of our beach, creating economic benefits. We have shown that we are an entrepreneurial city that is capable of change and innovation.”Like many residents, the mayor was not born in Balneário Camboriú. “I am from Curitiba,” he says. “I came here in 1986. I sold ice cream on the beach and worked in a nightclub, then became a city councillor. I always knew that it was a place of opportunity, no matter your surname.”Estate agent Bruno CassolaBruno Cassola, one of the city’s most in-demand estate agents, was preparing to move his business to a new office to cope with the influx of Brazilians seeking to buy a home here. “Balneário Camboriú is small but there are so many things happening that it gives off the vibe of somewhere bigger,” he says. His clients range from industrialists from wealthy southern cities, such as Joinville and Blumenau, to people who have made money in the country’s flourishing agribusiness sector. This explains why Balneário Camboriú now has the most expensive property per square metre in Brazil.The region’s leading construction company is FG Empreendimentos. You can see the fruits of its labour across the city – as well as its poster campaign that highlights its partnership with the Aveiro clan, Cristiano Ronaldo’s family. “The Aveiros are wonderful,” says Jean Graciola, ceo of FG. “And Cristiano is such a cool guy. We started the partnership with them in 2021. They wanted an apartment here and the partnership has worked very well.” Graciola is responsible for many of the tallest buildings in Balneário Camboriú, including the 290-metre One Tower, which has 84 floors, and FG’s Triumph Tower, now approved for construction, which, at a planned 544 metres, will be the world’s tallest residential skyscraper.The city’s Expocentro exhibition centre is helping to make Balneário Camboriú an important host city for trade events. “We have a huge area and can do six events simultaneously,” says former commercial manager Cristine Fabbris. “This city used to be a summer destination but now it’s buzzing all year round, thanks to places such as Expocentro. The average business-tourist spend is three times that of a leisure tourist.”Vanessa Lima, who moved here from Porto Alegre in the neighbouring state of Rio Grande do Sul, is the founder of Boutique do Pão de Ló. She launched her bakery in 2013 with a food truck and recently opened a branch of her business in a space designed by architect Vanessa Larré. The new outpost (there are others in Itajaí, Itapema and neighbouring Praia Brava) is doing well. “Balneário Camboriú is a city that’s growing,” she says. “We opened a few months before the pandemic, which was challenging, but the growth has been incredible.” Vanessa’s husband and business partner, Tomás Santos, says that one of the reasons why the city works so well is that it’s open to those from other places. “We have people from everywhere in Brazil so they are receptive to new ideas,” he says.Larré is one of the city’s key architects and is adapting her practice to designing for high-rise buildings. “I really enjoy living here and especially appreciate the security,” she says. “I have a teenage daughter and I am glad that she’s able to be out and about, having fun with her friends. It’s a safe city. The place is also very alive. There are always people in bars and restaurants.”Larré’s office is at Casahall Design District, an open-air mall with shops, architecture offices and Brazilian design brands such as Artefacto that want to ensure that they have a presence in a city that’s experiencing a property boom. Larré’s next project is the interiors of a high-profile residential building by Tonino Lamborghini of the Italian automotive empire. “We have done projects in São Paulo, Miami and Qatar but, because of the high-demand, we mainly stay in Balneário,” she says.The city is attracting people from other countries too, such as Serbian chef Bojan Petrovic who, with his partner, Venise Manif Petrovic, opened Maka, a Latin-American restaurant in a charming boulevard full of bars and restaurants. Manif Petrovic is entranced by the city. “It has the soul of a big city but it’s safe, clean and growing gastronomically,” she says.Venise Manif Petrovic and Bojan Petrovic of Maka restaurantTV presenter and journalist Dagmara SpautzBut this city that everyone is talking about can also be a divisive subject because of its politics: it voted overwhelmingly for hard-right candidate Jair Bolsonaro in the 2022 presidential elections. “Santa Catarina is a conservative state,” says Dagmara Spautz. “Bolsonaro had about 70 per cent of the vote here.”Balneário Camboriú’s skylineBut one thing that Balneário Camboriú has in abundance is a sense of pride. It’s not a perfect city but in a country known for its social inequality and sense of insecurity, it is like no other. — L

Tech 2025-12-23 14:41:59

X-ray tech firm Silveray secures £4m seed funding led by Northern Gritstone

X-ray technology company Silveray has secured a £4m investment led by Northern Gritstone ahead of its first product launch next year. The Stockport business has developed a sensitive flexible material that converts x-rays into digital x-ray images at the point of use. It says the technology can save time and money compared with traditional radiographic film. Now science and tech-focused investment vehicle Northern Gritstone, which is chaired by Lord Jim O’Neill, has unveiled a £4m seed extension investment into Silveray. The investment consortium welcomes deep tech investors Empirical Ventures, Deeptech Labs, and Hamamatsu Ventures alongside existing backers Northern Gritstone and ACF Investors. The funding will allow Silveray to complete development of its first Digital X-ray Film (DXF) product ready to launch in 2025. The company was founded at the University of Surrey in 2018 by Professor Ravi Silva and relocated to Greater Manchester in 2022 “to gain access to the North of England’s rich talent pool and resources”. The business has worked with X-ray specialists at the University of Manchester on its technology. Dan Cathie CEO of Silveray said: “Silveray’s initial goal is to digitise radiographic film, so that radiographers are no longer restricted to exposing, developing, viewing, and storing film. Early customer engagement in industrial means we are confident of becoming revenue generating in 2025 and Northern Gritstone’s investment will help us achieve that.” Duncan Johnson, CEO of Northern Gritstone, said: “The progress made by the Silveray team since our initial investment in 2023 has been phenomenal. Dan Cathie and his team have the enviable combination of innovation and entrepreneurialism having developed a novel digital x-ray solution with numerous applications which are already disrupting the analogue x-ray market. We are delighted to continue our support of Silveray as it builds its commercial traction, helping the team on its path to success.” Katsuhiro Kobayashi, CEO of Hamamatsu Ventures Japan said “Silveray’s novel nanoparticle-based direct X-ray conversion material could completely disrupt x-ray imaging markets. We look forward to our strategic collaboration with Silveray and sharing our industry expertise to accelerate their growth.”

Travel 2025-12-19 16:57:40

How Bodrum’s chic Macakizi Hotel became the epitome of Turkish cool

Macakizi is almost hidden by Golturkbuku bay’s olive groves, fuchsia-hued bougainvillea and pine trees. The restaurant, hotel and beach club is nestled in one of the most picturesque inlets on Turkey’s Bodrum peninsula. The venture’s owner, Sahir Erozan, believes that its charm lies in the surrounding nature, as well as in its family roots. In 1977 his glamorous and bohemian mother, Ayla Emiroglu, opened the original Macakizi hotel at another site in Bodrum. “Back then, you would see cows grazing on a stretch of land behind the hotel,” says Erozan, squinting in the bright, late-summer sunlight as it glints off the water. “It was a different time. Bodrum still had an untouched beauty.”Macakizi relocated to Golturkbuku in 2000, having outgrown those humble beginnings. It originally offered just 16 guest rooms; now its team of about 350 staff oversees a 72-key hotel with four kitchens. The ambitious expansion didn’t stop there. In 2018 the brand added a 10-room private villa, located less than five minutes away by boat. In other words, a lot has changed. When Emiroglu ran things, almost 99 per cent of the business’s clients were Turkish. Now some 75 per cent of them are international visitors.Arriving by private boatView from the teak deck of Macakizi’s pierErozan says that, despite all of this, the fundamentals of Macakizi’s approach to hospitality are exactly as they were in the beginning. Visit it today and there’s still a sense that it’s a refuge from all that surrounds it – an oasis of calm far removed from whatever might be happening in Turkey’s economy or politics (though many movers and shakers holiday here). “We’ve always tried to be natural, kind and aware,” he says. He credits his mother with instilling in him this philosophy, which has steered him as both the industry and the business have evolved over the decades. “I didn’t go in different directions,” he says of running the company. “I kept building.”Bougainvillea-covered guest roomsLooking out from the pierMacakizi has become a favourite retreat for notable guests, some of whom you’ll recognise. Regulars greet waiters with a kiss on both cheeks; the staff never hover awkwardly but are always on hand to help. Drinks are topped up before the sun melts the ice cubes – a service overseen by the hotel’s charismatic, Australian-born long-term manager, Andrew Jacobs.Andrew Jacobs, the hotel’s manager“A lot of people don’t realise that there’s a hotel here,” says Erozan, sitting in the breakfast hall nestled in the heart of this green stretch of land overlooking the Aegean. Only about a third of the visitors are hotel guests; the rest come to enjoy the beach club, drink and dine. The property’s layout is designed to give patrons privacy. Labyrinthine pathways framed by Mediterranean shrubs link the white, two-storey villas, each of which has a private garden or a sea-facing balcony.Lunch at Macakizi’s balcony restaurantStaff at the beach clubLifeguard on dutyHomemade iced teaErozan refers to the Mediterraneo Pavilion, where breakfast is served every morning and dinner is hosted on off-season nights, as “the winter garden”. It’s a striking, black-metal structure with expansive windows that make you feel as though you were sitting outside among nature. For the past three years, Macakizi has stayed open well beyond its usual summer season into winter. Built in 2019, the pavilion was designed by Ahmet Alatas; Istanbul-based firm Tabanlioglu oversaw the hotel’s reception area, built in 2000, as well as the recently opened Ayla restaurant.Private sitting area in the Mediterraneo PavilionNatural light in the Mediterraneo Pavilion“I don’t let any architect touch the interiors,” says Erozan with a smile, peering over his round, metal-framed sunglasses. “They make things look too pristine, too uninhabited. I like some chaos. I want this place to feel lived in.” Erozan has personally overseen every detail of the hotel’s interiors, from the carpets and the lighting to the artwork. He describes his aesthetic sensibilities as “eclectic, bohemian and modern”.That eclecticism is perhaps most evident in the art. Antonio de Felipe’s pop art painting of Audrey Hepburn hangs in the entrance next to a work by Turkish contemporary artist Haluk Akakce that features the marque of the hotel: a queen of spades playing card. It breaks the otherwise uniform layout of the couches and tables. An almost human-sized metal mirror ball by Mihat Sen is one of three statues in the pool area, exemplifying Erozan’s sometimes hard-to-define style.The Macakizi hotel’s three dogs: Lucy, Vasilis and AlexisThere’s no formal check-in counter or receptionist. Instead, there’s a laid-back lounge where you might find one of the hotel’s three dogs – Alexis, Vasilis and the newest addition, Lucy – running up to greet you or lazily curled up like a pretzel on the plush carpet. Inside the white-painted guest rooms, vintage photographs of social gatherings at Macakizi from Erozan’s mother’s time hang above the beds, which are adorned with colourful Rifat Ozbek-designed pillows.While Emiroglu laid Macakizi’s foundations and cultivated a community around the brand, Erozan spent many years refining his craft abroad. Before fully committing to Bodrum and Macakizi, he spent some 26 years in Washington, starting from his university years. During that time, he worked in and owned several restaurants. That was how he first crossed paths with Istanbul-born chef Aret Sahakyan, who ran the kitchen at Erozan’s Georgetown restaurant Cities, which was open from 1987 to 2007.Chef Aret SahakyanSahakyan, who trained in French and Italian culinary traditions, has been with Macakizi since Erozan moved back to Turkey. Over the years, he says, the country’s food culture and tastes have changed. “When I arrived, chefs weren’t viewed in the way that they are today. A chef was simply someone who cooked in the kitchen, not someone who crafted and designed dishes.” This summer the Michelin Guide made its debut in Bodrum and Macakizi earned its first star. “We have a concept,” says Sahakyan proudly. “We stay true to it.”Preparing for dinnerBreakfast bowlIn the busiest season, the restaurant regularly welcomes more than 500 guests for Sunday lunch. Its menu features traditionalmanti– tender Turkish dumplings filled with ground lamb and topped with yoghurt – made using a recipe passed down from Emiroglu’s time. Sahakyan says that the magic of themantilies in theyufka(thin flatbread) that accompanies it, carefully layered on a tray and baked until perfectly crisp. This lighter version of the classic dish has become a favourite among regulars.Erozan inherited more from his mother than the community that she fostered around the hotel and its legacy. She also passed down some of her staff. Ayhan Hanagasi began working at Macakizi as a bus boy and has been with the hotel for 34 years. “AylaHanimhad high standards and she could be tough but I grew both personally and professionally under her guidance,” says Hanagasi. “She was an endlessly generous teacher.” He was among the staff members invited to an exclusive 60th birthday celebration of a regular hotel guest held at Macakizi over the weekend on which Monocle visited.Bodrum’s global rise in prominence as a luxury-travel destination has brought new challenges. Almost every corner of this breathtaking peninsula is being altered – its trees felled, its ancient heritage looted and the old ways abandoned. The most contentious development has been the Bulgari Resort Bodrum, which is being built in Cennet Koyu (Paradise Bay) on an area of archaeological importance and natural beauty with what its detractors suggest is scant regard for preservation.So what does Macakizi think about the area’s new popularity – and does it feel a sense of responsibility for its role in Bodrum’s change? Sahakyan believes that it’s all about balance, gesturing to the breakfast bar. “Over there, you’ll find only the highest-quality selections, hand-picked by us and sourced from trusted partners who share our values,” says the chef. “I’m not offering 40 different types of cheese or 50 varieties of honey just to let them go to waste.”Erozan, meanwhile, explains that the region’s recent success is part of a bigger picture. “First, there’s Turkey’s brand, then Bodrum’s, then that of Macakizi too,” he says. “All three things must evolve in tandem because you can’t thrive in isolation.”Macakizi was the first beach club in Bodrum to introduce a happy hour but it chose to abandon the tradition this summer. “As a brand, we are always evolving and adapting,” says Erozan. “When we first introduced the happy-hour idea here, it was unique to the area. But now, with many others following suit, it no longer aligns with the direction we want to take.” The owner smiles as the pink-hued sun hovers low in the sky. “Today we’re a more mature brand.”macakizi.comMacakizi’s top tableIn 2024 the hotel launched Ayla, a new 18-cover restaurant with just five tables, named after Erozan’s mother. “The experience unfolds in three acts, each offering four choices,” says Sahakyan. Over a two-and-a-half-hour sitting, diners are treated to dishes crafted from locally sourced ingredients, including olive oil from Memecik village, honey from Comlekci and blue crab from Datca. Among last summer’s signature dishes were courgette flowers stuffed with Turkish rice and a new take on Macakizi’s belovedmantidumplings filled with fermented salsify, accompanied by yoghurt, chicken broth and oil infused with roasted sumac.Getting here:Just a 50-minute drive from Milas-Bodrum Airport, Macakizi has five Land Rover Defenders, each subtly marked with a spade, ready to transport guests anywhere. As you approach the secluded bay where the hotel sits, you’ll leave behind the bustle and find a serene escape.Swimming in the private bayGuests soaking up the sunOur pick of Bodrum’s other restaurantsDerekoy LokantasiWith its classic taverna tables, this restaurant provides a peaceful respite from the bustling crowds. Try its refreshing starters, such aslabnehwith green olives.Derekoy, Derekoy Yolu No: 133, 48960 BodrumBagarasiSet amid a citrus orchard, Bagarasi is a fine ambassador of Bodrum’s cuisine. Its menu features the freshest ingredients sourced from local markets. Don’t miss its artichoke with ice cream.Bitez, Pınarli Caddesi No: 59, 48470 BodrumKurul BitezAnocakbasispot in a converted stable that serves up authentic Turkish barbecue, despite having the ambience of a French bistro.Bitez Mahallesi 1936 sok No: 2, 48470 BodrumOrfozThis family-run fish restaurant andmeyhane(tavern) showcases whatever the fishermen netted, including sea snails in wine sauce.orfoz.netLucca by the SeaFor the past two decades, Lucca has drawn crowds in Istanbul’s vibrant Bebek district. Now it has opened a new site at Bodrum’s Mandarin Oriental.luccabythesea.comLimonThe best sunset in Bodrum. Whether you’re here for breakfast or sunset drinks, it’s timeless. Book early.limongumusluk.com

Tech 2025-11-30 18:27:51

AI startups have captured a quarter of UK VC funding in 2024

In 2024, AI startups in the UK secured a staggering 25% of all venture capital funding, amassing $15.9bn (£12.8bn), which marks a significant increase from $3.1bn (£2.5bn) just four years prior. According to the latest figures from Balderton Capital, 2024 was the second-best year for AI investment in the UK on record. The sector's valuation has soared, more than doubling to $236.9bn (£191bn) during this period. The venture capital firm also identified 20 AI unicorns within the UK, such as Wayve, Exscientia, and Oxford Nanopore Technologies, accounting for 11% of all UK unicorns, as reported by City AM. Despite these impressive numbers, the UK and Europe still trail behind the US in terms of investment growth. European AI startups garnered 25% of all European VC funding in 2024, totalling $13.6bn (£10.9bn), reflecting a 15% increase over the past four years. Balderton Capital's data shows that the collective value of European AI startups doubled in four years to $508 billion, now representing nearly 15% of the tech sector's total value, up from 12% three years ago. However, James Wise, general partner at Balderton Capital, pointed out that these results challenge the "relatively negative narrative" surrounding Europe in the AI field. He highlighted the potential for substantial fundraising in Europe, stating: "You can raise hundreds of millions (euros), even billions as a very early-stage AI company if you’ve got a breakthrough technology in Europe, just as you can in the US." The US continues to lead in AI funding, with deeptech startups securing 33% of the country's early-stage venture capital in 2024, as per Atomico’s report. The European tech sector, meanwhile, is grappling with talent retention issues, having seen 492 tech workers migrate to the US in 2023, lured by attractive salaries at top firms like Google, Amazon, and Microsoft. On a brighter note, Europe's AI investment isn't solely internal; US companies are increasingly scouting the continent for talent and opportunities, with European entrepreneurs behind about 10% of US startups. Yet, Europe still relies heavily on non-domestic funding, highlighting its dependency on external investment. Despite this, the AI sector holds promise for Europe and the UK, with industry experts maintaining a positive outlook on its future prospects. Susannah Streeter, Hargreaves Lansdown’s head of money and markets, has called AI "The most exciting and fast-moving sector" and anticipates 2025 to be a "pivotal" year for its expansion.

Personal Finance 2025-12-02 10:43:25

Newtek Bank review 2025: Excellent savings account APY (but with this big limitation)

Newtek Bank is an online-only division of NewtekOne, offering banking services to help individuals and businesses multiply their funds with generous earning rates for savings and certificates of deposit.  This bank doesn’t offer personal checking accounts, money market accounts, or other banking services you’ll commonly find with other banks—but you’ll earn higher APYs (annual percentage yields) than you would with many competitors. Here’s what you need to know about Newtek Bank and the interest you can earn by saving with them. All rates and fees are current as of Nov. 6, 2025, and are subject to change.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Quontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessDCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. 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} #chLADPyEAeeKUhuD .sh-hide { display: none; } #chLADPyEAeeKUhuD .desktop { display: block; } #chLADPyEAeeKUhuD .desktop-inline { display: inline-block; } #chLADPyEAeeKUhuD .row-1, #chLADPyEAeeKUhuD .row-2 { display: flex; } #chLADPyEAeeKUhuD .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #chLADPyEAeeKUhuD .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #chLADPyEAeeKUhuD .row-2 .listing-description { padding: 24px 23px; width: 100%; } #chLADPyEAeeKUhuD .logo-image-wrapper { margin: auto; width: 196px; } #chLADPyEAeeKUhuD .logo-column { display: flex; align-items: center; } #chLADPyEAeeKUhuD .logo-image-wrapper img { width: 100%; height: auto; } #chLADPyEAeeKUhuD .ad-copy { margin-left: 24px; } #chLADPyEAeeKUhuD .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #chLADPyEAeeKUhuD .listing-description .disclosure-content { margin-top: 0px; } #chLADPyEAeeKUhuD .logo-column.flex-container { flex: 0 0 20%; } #chLADPyEAeeKUhuD .ad-copy-column.flex-container { flex: 0 0 78%; } #chLADPyEAeeKUhuD .top-section-right { margin-left: 5px; } #chLADPyEAeeKUhuD .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #chLADPyEAeeKUhuD .ad-copy { margin-left: 24px; } #chLADPyEAeeKUhuD .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #chLADPyEAeeKUhuD .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #chLADPyEAeeKUhuD .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #chLADPyEAeeKUhuD .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #chLADPyEAeeKUhuD .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #chLADPyEAeeKUhuD .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #chLADPyEAeeKUhuD .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #chLADPyEAeeKUhuD .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #chLADPyEAeeKUhuD .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #chLADPyEAeeKUhuD .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #chLADPyEAeeKUhuD .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #chLADPyEAeeKUhuD .disclosure-contnr { text-align: center; } #chLADPyEAeeKUhuD .listing-header-cntnr { margin-top: 34px; } #chLADPyEAeeKUhuD .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #chLADPyEAeeKUhuD .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #chLADPyEAeeKUhuD .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #chLADPyEAeeKUhuD .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #chLADPyEAeeKUhuD .apy-label { font: normal normal 900 24px / 28px Roboto; } #chLADPyEAeeKUhuD .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #chLADPyEAeeKUhuD .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #chLADPyEAeeKUhuD .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #chLADPyEAeeKUhuD .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #chLADPyEAeeKUhuD .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #chLADPyEAeeKUhuD .additional-content { margin-top: 0px !important; } #chLADPyEAeeKUhuD .additional-content ul li { margin-bottom: 0; } #chLADPyEAeeKUhuD .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #chLADPyEAeeKUhuD .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #chLADPyEAeeKUhuD .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #chLADPyEAeeKUhuD .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #chLADPyEAeeKUhuD .shArrow { width: 12px; height: 7px; } #chLADPyEAeeKUhuD span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #chLADPyEAeeKUhuD .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #chLADPyEAeeKUhuD .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #chLADPyEAeeKUhuD #see_more_carrier, #chLADPyEAeeKUhuD .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #chLADPyEAeeKUhuD .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #chLADPyEAeeKUhuD .apy-label p { margin-top: 0px; margin-bottom: 0px; } #chLADPyEAeeKUhuD .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #chLADPyEAeeKUhuD { padding: 0 26px; } #chLADPyEAeeKUhuD .logo-image-wrapper { width: 136px; } #chLADPyEAeeKUhuD .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #chLADPyEAeeKUhuD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #chLADPyEAeeKUhuD .prop-value-container .apy-container { flex: 0 0 44%; } #chLADPyEAeeKUhuD .prop-value-container .mfee-container, #chLADPyEAeeKUhuD .prop-value-container .minvalue-container { flex: 0 0 28%; } #chLADPyEAeeKUhuD .ad-copy-top-section { margin-bottom: 15px; } #chLADPyEAeeKUhuD .sh-row-product-title { max-width: 136px; } #chLADPyEAeeKUhuD .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #chLADPyEAeeKUhuD .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #chLADPyEAeeKUhuD .logo-image-wrapper { width: 100%; max-width: 292px; } #chLADPyEAeeKUhuD .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #chLADPyEAeeKUhuD .ad-copy { margin-left: 0; } #chLADPyEAeeKUhuD .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #chLADPyEAeeKUhuD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #chLADPyEAeeKUhuD .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #chLADPyEAeeKUhuD .see-more-text { padding: 16px 15px; } #chLADPyEAeeKUhuD .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #chLADPyEAeeKUhuD .top-section-right { margin-left: 0px; } #chLADPyEAeeKUhuD .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #chLADPyEAeeKUhuD.sizeone .header-section { padding: 6px 10px; } } #chLADPyEAeeKUhuD.sh-box650.device-desktop .row-1 { padding-left: 14px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box700.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box750.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box800.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box850.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box900.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box700.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box750.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box800.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box850.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box900.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box700.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box750.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box800.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box850.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box900.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box700.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box750.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box800.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box850.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box900.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box750.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box800.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box850.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box900.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box750.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box800.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box850.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box900.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box950.device-desktop .prop-value-container .mfee-container #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box750.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box800.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box850.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box900.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box700.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box750.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box800.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box850.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box900.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box700.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box750.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box800.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box850.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box900.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box700.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box750.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box800.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box850.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box900.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #chLADPyEAeeKUhuD.sh-box650.device-desktop .row-1, #chLADPyEAeeKUhuD.sh-box700.device-desktop .row-1 , #chLADPyEAeeKUhuD.sh-box650.device-desktop .row-2, #chLADPyEAeeKUhuD.sh-box700.device-desktop .row-2 , #chLADPyEAeeKUhuD.sh-box500.device-desktop .row-1, #chLADPyEAeeKUhuD.sh-box550.device-desktop .row-1 , #chLADPyEAeeKUhuD.sh-box500.device-desktop .row-2, #chLADPyEAeeKUhuD.sh-box550.device-desktop .row-2{ display: unset; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box700.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box550.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box700.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box550.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box500.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value, #chLADPyEAeeKUhuD.sh-box550.device-desktop .prop-value, #chLADPyEAeeKUhuD.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box700.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box550.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#chLADPyEAeeKUhuD.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#chLADPyEAeeKUhuD.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#chLADPyEAeeKUhuD.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #chLADPyEAeeKUhuD .shmktpl-title, #chLADPyEAeeKUhuD .sub-heading-container, #chLADPyEAeeKUhuD .filter-check-options-cntnr, #chLADPyEAeeKUhuD .listing-header-cntnr { display: none; } #chLADPyEAeeKUhuD.title .shmktpl-title, #chLADPyEAeeKUhuD.subHeading .sub-heading-container, #chLADPyEAeeKUhuD.multiSelectFilter .filter-check-options-cntnr, #chLADPyEAeeKUhuD.resultsText .listing-header-cntnr { display: flex; } #chLADPyEAeeKUhuD.sizeone .add-overlay-content { width: 62%; height: auto; } #chLADPyEAeeKUhuD.sizeone .disclosure-title { padding: 6px 0px; } #chLADPyEAeeKUhuD.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #chLADPyEAeeKUhuD .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #chLADPyEAeeKUhuD.sizeone .title-container { margin-top: 0; } #chLADPyEAeeKUhuD.sizeone .non_featured_list { margin-top: 0; } #chLADPyEAeeKUhuD.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #chLADPyEAeeKUhuD.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,PHN2ZyBpZD0iYXJyb3ctcG9pbnQtdG8tcmlnaHRfMl8iIGRhdGEtbmFtZT0iYXJyb3ctcG9pbnQtdG8tcmlnaHQgKDIpIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2LjkzNiIgaGVpZ2h0PSIxMi4xNjciIHZpZXdCb3g9IjAgMCA2LjkzNiAxMi4xNjciPg0KICA8cGF0aCBpZD0iUGF0aF8xMDYiIGRhdGEtbmFtZT0iUGF0aCAxMDYiIGQ9Ik0xMDMuODI1LDYuNjg2bC01LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMS0xLjIwNS0xLjJsNC42MjktNC42MjlMOTcuMzg4LDEuNDU0YS44NTIuODUyLDAsMCwxLDEuMjA1LTEuMmw1LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMSwwLDEuMloiIHRyYW5zZm9ybT0idHJhbnNsYXRlKC05Ny4xMzkgMCkiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } @media (min-width : 651px) and (max-width : 1024px) { #chLADPyEAeeKUhuD .item { flex: 1 1 calc(50% - 48px); } #chLADPyEAeeKUhuD .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #chLADPyEAeeKUhuD .item:nth-of-type(4n+3), #chLADPyEAeeKUhuD .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #chLADPyEAeeKUhuD .item:nth-of-type(4n+1), #chLADPyEAeeKUhuD .item:nth-of-type(4n+1) + * { background-color: #fff; } #chLADPyEAeeKUhuD .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #chLADPyEAeeKUhuD .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #chLADPyEAeeKUhuD .desktop, #chLADPyEAeeKUhuD .desktop-inline { display: none; } #chLADPyEAeeKUhuD .mobile { display: block !important; } #chLADPyEAeeKUhuD { padding: 0 18px; } #chLADPyEAeeKUhuD .shmktpl-title { font-size: 24px; line-height: 29px; } #chLADPyEAeeKUhuD .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #chLADPyEAeeKUhuD .add-overlay-content { width: 80%; height: auto; } #chLADPyEAeeKUhuD .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #chLADPyEAeeKUhuD .row-1 { flex-flow: column; padding: 16px; } #chLADPyEAeeKUhuD .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #chLADPyEAeeKUhuD .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #chLADPyEAeeKUhuD .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #chLADPyEAeeKUhuD .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #chLADPyEAeeKUhuD .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #chLADPyEAeeKUhuD .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #chLADPyEAeeKUhuD .prop-value { margin-top: 0; } #chLADPyEAeeKUhuD .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #chLADPyEAeeKUhuD .non_featured_list { margin-top: 18px; } #chLADPyEAeeKUhuD .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #chLADPyEAeeKUhuD .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #chLADPyEAeeKUhuD .item:nth-child(3n), #chLADPyEAeeKUhuD .desktop-bg { background: none; } #chLADPyEAeeKUhuD .prod-desc-popup-content { padding: 0; } #chLADPyEAeeKUhuD .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #chLADPyEAeeKUhuD .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #chLADPyEAeeKUhuD .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #chLADPyEAeeKUhuD .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #chLADPyEAeeKUhuD .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #chLADPyEAeeKUhuD .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #chLADPyEAeeKUhuD .disclosure-content ul { padding-left: 14px; line-height: 28px; } #chLADPyEAeeKUhuD .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #chLADPyEAeeKUhuD .additional-features { flex: 0 0 100%; } #chLADPyEAeeKUhuD .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #chLADPyEAeeKUhuD.sizeone .listing-header-cntnr { display: none; } #chLADPyEAeeKUhuD.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #chLADPyEAeeKUhuD .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #chLADPyEAeeKUhuD .prod-desc-popup-content { position: fixed; } } #chLADPyEAeeKUhuD.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #chLADPyEAeeKUhuD.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #chLADPyEAeeKUhuD.listingAlignment .logo-image-wrapper img { width: 100%; } #chLADPyEAeeKUhuD.listingAlignment { padding: 0px; } #chLADPyEAeeKUhuD.listingAlignment .listing-title { font-size: 14px; } #chLADPyEAeeKUhuD.listingAlignment .listing-title span { font-size: 14px; } #chLADPyEAeeKUhuD.listingAlignment .row-1 { padding: 26px 10px; } #chLADPyEAeeKUhuD.listingAlignment .prop-name { font-size: 10px; } #chLADPyEAeeKUhuD.listingAlignment .prop-value { font-size: 14px } #chLADPyEAeeKUhuD.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #chLADPyEAeeKUhuD.listingAlignment .logo-column.flex-container { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .prop-conatiner { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .ad-copy-column.flex-container { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .cta-column.flex-container { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .disclosure-content ul li::before { content: unset; } #chLADPyEAeeKUhuD.listingAlignment .disclosure-content ul li { list-style: disc; } } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #chLADPyEAeeKUhuD.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #chLADPyEAeeKUhuD.ctaAlignment .cta-column.flex-container { display: block !important; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button { font-size: 16px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #chLADPyEAeeKUhuD .sh-no-listing-msg { padding: 20px 0px; } #chLADPyEAeeKUhuD .sh-widget-footer-MBT { display: none; } #chLADPyEAeeKUhuD.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #chLADPyEAeeKUhuD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #chLADPyEAeeKUhuD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #chLADPyEAeeKUhuD .sh-widget-footer-QS { display: none; } #chLADPyEAeeKUhuD.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #chLADPyEAeeKUhuD.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #chLADPyEAeeKUhuD.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #chLADPyEAeeKUhuD.customizeColorEffect .listing-title, #chLADPyEAeeKUhuD.customizeColorEffect .prop-name, #chLADPyEAeeKUhuD.customizeColorEffect .prop-value, #chLADPyEAeeKUhuD.customizeColorEffect .curDate, #chLADPyEAeeKUhuD.customizeColorEffect span.current-date, #chLADPyEAeeKUhuD.customizeColorEffect .disclosure-content ul li, #chLADPyEAeeKUhuD.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #chLADPyEAeeKUhuD.customizeColorEffect .add-text, #chLADPyEAeeKUhuD.customizeColorEffect .see-more-text, #chLADPyEAeeKUhuD.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #chLADPyEAeeKUhuD.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #chLADPyEAeeKUhuD.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #chLADPyEAeeKUhuD.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #chLADPyEAeeKUhuD.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #chLADPyEAeeKUhuD.sizeone.customizeColorEffect .header-section, #chLADPyEAeeKUhuD.customizeColorEffect .row-2 { background: #E9F0EC; } #chLADPyEAeeKUhuD.customizeColorEffect .listing-title { display: unset; } #chLADPyEAeeKUhuD.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #chLADPyEAeeKUhuD.customizeColorEffect .listing-title .prod-name:hover, #chLADPyEAeeKUhuD.customizeColorEffect .listing-title:hover, #chLADPyEAeeKUhuD.customizeColorEffect .add-text:hover, #chLADPyEAeeKUhuD.customizeColorEffect .disclosure-contnr .text:hover, #chLADPyEAeeKUhuD.customizeColorEffect .see-more-text:hover { color: #EB0017; } #chLADPyEAeeKUhuD.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #chLADPyEAeeKUhuD.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #chLADPyEAeeKUhuD.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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} #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Newtek Bank at a glanceNewtek BankSavings accountsNo monthly maintenance feesCDs$2,500 minimum opening depositBusiness checking accountsNo monthly maintenance feesBusiness money market accountNo monthly maintenance feesView offerat MoneyLionCompany insightsYear Founded: 1963Company Headquarters: Miami, FLCEO: Barry Sloane Who is Newtek Bank good for? Newtek Bank is suitable for those who want to earn a high APY through a savings account. Newtek offers one of the best high-yield savings accounts—and some solid CDs—with return rates that trounce many other banks. It also charges no monthly fees, meaning you won’t have to worry about maintenance charges eating into your earnings. On the other hand, the bank offers additional services for business owners—from a business checking account to an MMA to various loans and lines of credit. Business owners are well served by Newtek Bank. Who shouldn’t use Newtek Bank? Newtek lacks several consumer banking products. If you want a checking account or MMA, for example, this bank won’t do. As its savings account doesn’t come with an ATM card and you can only make up to six transactions per monthly statement cycle, accessing your money isn’t the easiest. You’ll have to make a transfer to another financial institution. All to say, you should think of Newtek Bank more as a separate high-APY island for your excess funds. Also, Newtek is online-only, making it a poor choice for those who prefer an in-person banking experience. N/AProsNo minimum opening deposit or minimum balance requirementNo monthly service feesHigh-APY savings accountConsNo physical locationsNo personal checking accountOnly six free withdrawals are allowed on its savings account per monthly cycleNewtek Bank rates and productsAgain, Newtek offers its customers a high-yield savings account and multiple CD options. Unfortunately, these are the only options for personal banking. A business entity is required to open other types of accounts, namely, business checking, money market accounts, and loans.Newtek Bank productAPYPersonal High-Yield Savings Account4.35% APYCDs2.00%–4.20% APYBusiness First Checking1.00% APYBusiness Money Market Account3.50% APYPersonal High-Yield Savings AccountAPY4.35% APYCDsAPY2.00%–4.20% APYBusiness First CheckingAPY1.00% APYBusiness Money Market AccountAPY3.50% APYSavings accountsWith a 4.35% APY, Newtek Bank’s Personal High-Yield Savings competes with the best interest-bearing accounts in the business. And because there’s no minimum deposit or monthly maintenance fee, it’s accessible to virtually all would-be savers.Newtek Bank savings account featuresMinimum opening deposit$0Monthly service fees$0Top APY4.35%Transaction limitations6 transfers per monthly statement cycleBank details checked Nov. 4, 2025.Certificates of depositNewtek offers two types of CDs: standard and business. Each comes in eight term lengths to choose from. You can open a CD with as little as $2,500 and as high as $250,000. These rates are slightly below Newtek’s High-Yield Savings option. But the magic of a CD is that you can lock in your rates for an extended period of time—something you can’t do with a savings account, which is susceptible to market fluctuation. The tradeoff is that you can’t withdraw your money from a CD before the account matures without paying an early withdrawal penalty. Newtek Bank CD featuresMinimum opening deposit$2,500Available term lengths3, 6, 9, 12, 18, 24, 36, 48, 60 months APY2.00%–4.20% APYEarly withdrawal penalty– Terms of 30 days: No fee – Terms of more than 30 days and less than 12 months: 90 days’ simple interest on the amount withdrawn – Terms of 12 months or more: 180 days’ simple interest on the amount withdrawnNewtek Bank Consumer CD ratesTerm lengthAPY6 months4.20%9 months4.00%12 months4.00%18 months3.95%24 months3.90%36 months3.80%48 months2.00%60 months2.00%6 monthsAPY4.20%9 monthsAPY4.00%12 monthsAPY4.00%18 monthsAPY3.95%24 monthsAPY3.90%36 monthsAPY3.80%48 monthsAPY2.00%60 monthsAPY2.00%Newtek Bank Business CD ratesTerm lengthAPY6 months3.50%6 months4.00%12 months4.00%18 months3.95%24 months3.75%36 months3.50%48 months1.00%60 months1.00%6 monthsAPY3.50%6 monthsAPY4.00%12 monthsAPY4.00%18 monthsAPY3.95%24 monthsAPY3.75%36 monthsAPY3.50%48 monthsAPY1.00%60 monthsAPY1.00%Bank details checked Nov. 4, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Business First CheckingNewtek’s Business First Checking account is fee-free and interest-bearing. You’ll earn 1.00% APY for any balance (there is no minimum to open). It even boasts free ACH/wire transfers.Newtek BankBusiness First Checking featuresMinimum opening depositN/AMonthly fees N/AAPY1.00%Overdraft feesN/AWire transfer (domestic or international)N/ABank details checked Nov. 4, 2025.Business Money Market AccountThe bank’s Business Money market Account is, as you’d expect, a hybrid checking and savings account. It gives you notably higher APY but with more ways to utilize your money, including by check or debit card. Newtek Bank Business Money Market Account featuresMinimum opening depositN/AMonthly fees N/AAPY3.50%Transaction limitations 6 transfers per monthly statement cycleBank details checked Nov. 4, 2025.Other services Newtek offersIn addition to its personal and business deposit offerings, Newtek Bank also provides business lending options. For example, you can open a term loan of up to $15 million with terms between five and 25 years; you can open a revolving line of credit for up to $5 million. Online banking Newtek is an online bank with everything you’ll need to maintain your account remotely (remember, Newtek doesn’t have physical branches). Expect a complete online banking experience, with normal functionality including transfers, withdrawals, bill pay (for eligible accounts), etc. The Newtek Bank platform and customer supportYou can reach Newtek Bank customer service at 888-681-7238 or email at digitalbanking@newtekone.com. It doesn’t list its customer service hours for consumer accounts, but it specifies that business accounts receive 24/7 support. Newtek Bank also offers an app that ranks highly on both Google Play (4.2 stars) and the Apple App Store (4.5 stars). Is Newtek Bank secure?Newtek Bank specifies that it keeps personal information safe with various computer safeguards and secured files and buildings. It’s also FDIC-insured up to $250,000 per account holder per ownership category. Newtek Bank user reviewsOnline reviews are often unimpressive when it comes to banks. Reviews are often motivated by frustration. That makes Newtek Bank’s 4.6 star rating on Trustpilot all the more impressive. Users appreciate Newtek’s excellent customer service and ease of account management. Users on forums like Reddit also praise similar features, including easy setup and seamless transfers. On the other hand, users complained about clerical errors and unreliable and slow tech problems. Compare Newtek Bank to alternativesIf you’re comfortable with an online bank but aren’t sure Newtek is what you’re looking for, Ally and SoFi are two popular options worth a look. Newtek BankSoFi®Member FDICAlly BankTop savings APYTop savings APYTop savings APY4.35%Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.30%Top checking APYTop checking APYTop checking APY1.00% (business) 0.50%0.10% to 0.25%Top CD APYTop CD APYTop CD APY4.20%N/A3.90%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat SoFiView offerat MoneyLionBank details checked Nov. 4, 2025.Is Newtek Bank right for you?Newtek Bank is an online bank with zero fees and high-yield savings and CD accounts, making it a good option for those who want to make their money work for them and earn interest at generous rates. It also caters well to business owners, offering both checking and MMA options. But being an online bank makes it unsuitable for those who prefer a bank with physical branches. It also falls short for those who want a consumer checking and savings account under one roof. Frequently asked questionsWhat types of accounts does Newtek Bank offer?Newtek Bank offers consumer high-yield savings accounts and CDs. It also offers business checking, MMAs, and CDs.What is the transfer limit for Newtek Bank?Newtek Bank allows up to six withdrawals and as much as $10,000 each day.Is Newtek Bank FDIC-insured?Yes, Newtek Bank is FDIC-insured up to $250,000 per account holder per ownership category.What CD terms does Newtek Bank offer?Between both consumer and business CD options, Newtek Bank offers terms of 3, 6, 9, 12, 18, 24, 36, 48, and 60 months.Does Newtek Bank charge monthly fees?Newtek Bank does not charge monthly fees for any of its deposit accounts.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-28 12:28:05

Not just 'shiny tech bits' – how AI could power Liverpool and its businesses to global success

We’re moving from AI hype to reality, tech leaders say – and a global event in Liverpool today heard how the city region can become a leader in AI technology that’s changing the world for the better. The city region’s first-ever AI summit brought together leaders in AI, one of the fastest-growing and most high-profile sectors in the global economy. Speakers included the UK boss of global tech giant IBM, who said Liverpool City Region was “well set to become a leader in responsible AI”. And the summit also heard from North West entrepreneurs – one of whom told BusinessLive that his firm had recently hit a key regulatory milestone that should allow it to start working in the USA. Metro Mayor Steve Rotheram said Liverpool city region needed to stay ahead of the technological curve to make sure it was ready for all future innovations and inventions. He said the summit was “about showing the world what the Liverpool City Region is all about: innovation with heart, technology with purpose and a vision of progress that leaves no one behind". And he said: “Artificial intelligence is a perfect example of this. Not the fancy algorithms - or shiny tech bit - but because, with the right guardrails in place, it can empower us to solve real problems, improve people’s lives, and build a fairer, more equitable society.” The Metro Mayor hailed the success of recent AI projects, such as Alder Hey Children’s Hospital using AI to help doctors diagnose illnesses faster, and the success of the UK’s most powerful industrial supercomputer in Daresbury at supporting innovative tech firms. He said: “Collaboration is key to all of this. That’s what makes this region special. The Liverpool City Region has a knack for punching above its weight. It’s in our DNA. When I was growing up, this was a region known for its resilience and creativity. “We didn’t just follow trends; we set them. Today, we’re taking that same spirit into the digital age. But leadership comes with responsibility. “As AI develops, we need to make sure it reflects our values of fairness, inclusivity, and sustainability. AI should empower people, not replace them. It should build trust, not breed suspicion. And it should create opportunities for everyone. “Together, we will use those ideas to cement the Liverpool City Region as a global leader in ethical, impactful artificial intelligence.” Dr Nicola Hodson, chief executive at IBM UK and Ireland, said she was proud to be in Liverpool as a Widnes native who studied at the University of Liverpool. She said: “This region’s tech sector is booming.” And she added: “There’s a real buzz here which is very exciting to see.” She explained how IBM’s AI experts had worked in fields including healthcare, where AI tech has helped speed up analysis and diagnostics to help patients get treated more quickly. She said this was an “incredibly exciting time in the UK tech industry”. And she added: “Tech is moving faster than it ever has but slower than it ever will, and we cannot afford to be passengers. “ Dr Hodson called this “one of the most transformational periods in human history” and added: “There is little doubt we are already in the age of AI.” She said: “It is clear we’re moving from AI hype to AI reality”, and that AI is augmenting – not replacing – human intelligence." She added that: “With the right governance and guardrails AI can enhance innovation and creativity." Dr Hodson said that according to McKinsey, AI could add $4.4 trillion of value annually to global GDP by 2030. And she said UK government research showed the UK’s own AI industry is expected to grow to £800 billion by 2035. She added that the city region “is well set to become a leader in responsible AI". Dr Hodson ended her speech by saying there were five key questions that people needed to ask when implementing AI to ensure it had the right guardrails and governance in place – including securing and organising data. One of the exhibitors was Antony Shimmin, co-founder of software company MyCardium AI. The Liverpool business, originally spun out of University College London, is using AI to analyse heart scans, bringing faster results for doctors and patients. Antony and his co-founders, Professor James Moon, Professor Charlotte Manisty and Professor Mark Westwood, have been working to get their technology cleared for use around the world. Mr Shimmin said from the stage that the company had now got the crucial FDA clearance it needed to operate in the USA. He later told BusinessLive: “It’s a huge milestone. It demonstrates our commitment to excellence and compliance. So our software has been clinically and technically reviewed, and the AI has been reviewed. to ensure that this does bring about the benefits that we say it does. “So it's huge for the business, allows us to sell into the States and deliver this to frontline clinicians to improve patient care and clinical outcomes.” The company, which is also working to secure UK and EU clearance, has grown organically from its base at The Spine in Liverpool’s Paddington Village, and today employs 24 people and 52 contractors. Mr Shimmin explained that MyCardium’s technology aims to “deliver more precise measurements of heart function to improve clinical decision-making and better inform patients of their conditions". It uses AI to compare and measure scans more quickly that humans could. He added: “We're much more precise than a human ruler, much faster than a human ruler. And that leads to real change in clinical outcomes and decision making.” Other summit speakers included Erika Lewis, chief executive at the national innovation accelerator Connected Places Catapult, who said her organisation had set up a base at The Spine to support local businesses. Meanwhile Northern Agenda editor Rob Parsons hosted a debate on using AI for good, with panelists including Dr Iain Buchan from the University of Liverpool.

Personal Finance 2025-12-29 02:20:02

Current price of silver as of Tuesday, November 4, 2025

At 8:15 a.m. Eastern Time on November 4, 2025, silver stood at $47.80 per ounce. That marks a $0.99 decrease from this time yesterday but more than a $15 rise compared with one year ago.Silver price per ounce% ChangePrice of silver yesterday$48.79-2.02%Price of silver 1 month ago$47.99-0.39%Price of silver 1 year ago$32.45+47.30%Price of silver yesterdaySilver price per ounce$48.79% Change-2.02%Price of silver 1 month agoSilver price per ounce$47.99% Change-0.39%Price of silver 1 year agoSilver price per ounce$32.45% Change+47.30%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock. However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises. Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.What does “spot silver” mean? Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses. Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.What is “price spread” in silver trading? The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include: Ask price.This refers to what you pay to acquire silver Bid price.This refers to what you receive when you sell silver As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver. How to invest in silver You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs). ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally. Common silver investments include: Silver bullion.This includes bars or rounds sold by weight and purity. Silver coins.Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee. Silver jewelry. Specifically, crafted pieces that are worth more than equivalent-purity bullion. Silver mining stocks.This type of investment refers to shares in companies that extract silver, giving you indirect exposure. On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade. Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }Is it a good time to invest in silver? In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade. Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains. Current precious metals prices as of 8:15 a.m. ET on November 4, 2025 Precious metal Price per ounceGold$3,994.47Silver$47.80Platinum$1,552.75Palladium$1,412.12GoldPrice per ounce$3,994.47SilverPrice per ounce$47.80PlatinumPrice per ounce$1,552.75PalladiumPrice per ounce$1,412.12Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.Pro tipPrefer gold? Check out our list of the best gold IRA companies.The takeaway With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs. Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-22 23:57:26

Bask Bank review 2025: Earn cash or travel rewards for your savings

Bask Bank is an online-only bank backed by Texas Capital Bank in Dallas. It focuses on low-cost savings products with very high interest rates. Its checking, savings, and CD options all bring competitive earnings to your stored funds. But Bask Bank also offers something altogether unique—something especially valuable for travelers. Here’s what you need to know about Bask Bank. All rates and fees are current as of Nov. 6, 2025, and are subject to change.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.New Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesDCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. 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} #PGBWGVSOifLQTUjQ .top-section-right { margin-left: 5px; } #PGBWGVSOifLQTUjQ .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #PGBWGVSOifLQTUjQ .ad-copy { margin-left: 24px; } #PGBWGVSOifLQTUjQ .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #PGBWGVSOifLQTUjQ .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #PGBWGVSOifLQTUjQ .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #PGBWGVSOifLQTUjQ .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #PGBWGVSOifLQTUjQ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #PGBWGVSOifLQTUjQ .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #PGBWGVSOifLQTUjQ .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #PGBWGVSOifLQTUjQ .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,PHN2ZyBpZD0iYXJyb3ctcG9pbnQtdG8tcmlnaHRfMl8iIGRhdGEtbmFtZT0iYXJyb3ctcG9pbnQtdG8tcmlnaHQgKDIpIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2LjkzNiIgaGVpZ2h0PSIxMi4xNjciIHZpZXdCb3g9IjAgMCA2LjkzNiAxMi4xNjciPg0KICA8cGF0aCBpZD0iUGF0aF8xMDYiIGRhdGEtbmFtZT0iUGF0aCAxMDYiIGQ9Ik0xMDMuODI1LDYuNjg2bC01LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMS0xLjIwNS0xLjJsNC42MjktNC42MjlMOTcuMzg4LDEuNDU0YS44NTIuODUyLDAsMCwxLDEuMjA1LTEuMmw1LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMSwwLDEuMloiIHRyYW5zZm9ybT0idHJhbnNsYXRlKC05Ny4xMzkgMCkiIGZpbGw9IiNmZmYiLz4NCjwvc3ZnPg0K"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #PGBWGVSOifLQTUjQ .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #PGBWGVSOifLQTUjQ .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #PGBWGVSOifLQTUjQ .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #PGBWGVSOifLQTUjQ .disclosure-contnr { text-align: center; } #PGBWGVSOifLQTUjQ .listing-header-cntnr { margin-top: 34px; } #PGBWGVSOifLQTUjQ .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #PGBWGVSOifLQTUjQ .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #PGBWGVSOifLQTUjQ .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #PGBWGVSOifLQTUjQ .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #PGBWGVSOifLQTUjQ .apy-label { font: normal normal 900 24px / 28px Roboto; } #PGBWGVSOifLQTUjQ .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #PGBWGVSOifLQTUjQ .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #PGBWGVSOifLQTUjQ .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #PGBWGVSOifLQTUjQ .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #PGBWGVSOifLQTUjQ .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #PGBWGVSOifLQTUjQ .additional-content { margin-top: 0px !important; } #PGBWGVSOifLQTUjQ .additional-content ul li { margin-bottom: 0; } #PGBWGVSOifLQTUjQ .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #PGBWGVSOifLQTUjQ .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #PGBWGVSOifLQTUjQ .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #PGBWGVSOifLQTUjQ .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #PGBWGVSOifLQTUjQ .shArrow { width: 12px; height: 7px; } #PGBWGVSOifLQTUjQ span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #PGBWGVSOifLQTUjQ .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #PGBWGVSOifLQTUjQ .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #PGBWGVSOifLQTUjQ #see_more_carrier, #PGBWGVSOifLQTUjQ .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #PGBWGVSOifLQTUjQ .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #PGBWGVSOifLQTUjQ .apy-label p { margin-top: 0px; margin-bottom: 0px; } #PGBWGVSOifLQTUjQ .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #PGBWGVSOifLQTUjQ { padding: 0 26px; } #PGBWGVSOifLQTUjQ .logo-image-wrapper { width: 136px; } #PGBWGVSOifLQTUjQ .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #PGBWGVSOifLQTUjQ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #PGBWGVSOifLQTUjQ .prop-value-container .apy-container { flex: 0 0 44%; } #PGBWGVSOifLQTUjQ .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ .prop-value-container .minvalue-container { flex: 0 0 28%; } #PGBWGVSOifLQTUjQ .ad-copy-top-section { margin-bottom: 15px; } #PGBWGVSOifLQTUjQ .sh-row-product-title { max-width: 136px; } #PGBWGVSOifLQTUjQ .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #PGBWGVSOifLQTUjQ .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #PGBWGVSOifLQTUjQ .logo-image-wrapper { width: 100%; max-width: 292px; } #PGBWGVSOifLQTUjQ .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #PGBWGVSOifLQTUjQ .ad-copy { margin-left: 0; } #PGBWGVSOifLQTUjQ .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #PGBWGVSOifLQTUjQ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #PGBWGVSOifLQTUjQ .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #PGBWGVSOifLQTUjQ .see-more-text { padding: 16px 15px; } #PGBWGVSOifLQTUjQ .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #PGBWGVSOifLQTUjQ .top-section-right { margin-left: 0px; } #PGBWGVSOifLQTUjQ .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #PGBWGVSOifLQTUjQ.sizeone .header-section { padding: 6px 10px; } } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .row-1 { padding-left: 14px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .prop-value-container .mfee-container #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .row-1, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .row-1 , #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .row-2, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .row-2 , #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .row-1, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .row-1 , #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .row-2, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .row-2{ display: unset; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .prop-value, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#PGBWGVSOifLQTUjQ.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#PGBWGVSOifLQTUjQ.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#PGBWGVSOifLQTUjQ.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #PGBWGVSOifLQTUjQ .shmktpl-title, #PGBWGVSOifLQTUjQ .sub-heading-container, #PGBWGVSOifLQTUjQ .filter-check-options-cntnr, #PGBWGVSOifLQTUjQ .listing-header-cntnr { display: none; } #PGBWGVSOifLQTUjQ.title .shmktpl-title, #PGBWGVSOifLQTUjQ.subHeading .sub-heading-container, #PGBWGVSOifLQTUjQ.multiSelectFilter .filter-check-options-cntnr, #PGBWGVSOifLQTUjQ.resultsText .listing-header-cntnr { display: flex; } #PGBWGVSOifLQTUjQ.sizeone .add-overlay-content { width: 62%; height: auto; } #PGBWGVSOifLQTUjQ.sizeone .disclosure-title { padding: 6px 0px; } #PGBWGVSOifLQTUjQ.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #PGBWGVSOifLQTUjQ .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #PGBWGVSOifLQTUjQ.sizeone .title-container { margin-top: 0; } #PGBWGVSOifLQTUjQ.sizeone .non_featured_list { margin-top: 0; } #PGBWGVSOifLQTUjQ.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #PGBWGVSOifLQTUjQ.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,PHN2ZyBpZD0iYXJyb3ctcG9pbnQtdG8tcmlnaHRfMl8iIGRhdGEtbmFtZT0iYXJyb3ctcG9pbnQtdG8tcmlnaHQgKDIpIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2LjkzNiIgaGVpZ2h0PSIxMi4xNjciIHZpZXdCb3g9IjAgMCA2LjkzNiAxMi4xNjciPg0KICA8cGF0aCBpZD0iUGF0aF8xMDYiIGRhdGEtbmFtZT0iUGF0aCAxMDYiIGQ9Ik0xMDMuODI1LDYuNjg2bC01LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMS0xLjIwNS0xLjJsNC42MjktNC42MjlMOTcuMzg4LDEuNDU0YS44NTIuODUyLDAsMCwxLDEuMjA1LTEuMmw1LjIzMiw1LjIzMmEuODUyLjg1MiwwLDAsMSwwLDEuMloiIHRyYW5zZm9ybT0idHJhbnNsYXRlKC05Ny4xMzkgMCkiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } @media (min-width : 651px) and (max-width : 1024px) { #PGBWGVSOifLQTUjQ .item { flex: 1 1 calc(50% - 48px); } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+3), #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+1), #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+1) + * { background-color: #fff; } #PGBWGVSOifLQTUjQ .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #PGBWGVSOifLQTUjQ .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #PGBWGVSOifLQTUjQ .desktop, #PGBWGVSOifLQTUjQ .desktop-inline { display: none; } #PGBWGVSOifLQTUjQ .mobile { display: block !important; } #PGBWGVSOifLQTUjQ { padding: 0 18px; } #PGBWGVSOifLQTUjQ .shmktpl-title { font-size: 24px; line-height: 29px; } #PGBWGVSOifLQTUjQ .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #PGBWGVSOifLQTUjQ .add-overlay-content { width: 80%; height: auto; } #PGBWGVSOifLQTUjQ .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #PGBWGVSOifLQTUjQ .row-1 { flex-flow: column; padding: 16px; } #PGBWGVSOifLQTUjQ .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #PGBWGVSOifLQTUjQ .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #PGBWGVSOifLQTUjQ .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #PGBWGVSOifLQTUjQ .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #PGBWGVSOifLQTUjQ .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #PGBWGVSOifLQTUjQ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #PGBWGVSOifLQTUjQ .prop-value { margin-top: 0; } #PGBWGVSOifLQTUjQ .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #PGBWGVSOifLQTUjQ .non_featured_list { margin-top: 18px; } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #PGBWGVSOifLQTUjQ .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #PGBWGVSOifLQTUjQ .item:nth-child(3n), #PGBWGVSOifLQTUjQ .desktop-bg { background: none; } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { padding: 0; } #PGBWGVSOifLQTUjQ .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #PGBWGVSOifLQTUjQ .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #PGBWGVSOifLQTUjQ .disclosure-content ul { padding-left: 14px; line-height: 28px; } #PGBWGVSOifLQTUjQ .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #PGBWGVSOifLQTUjQ .additional-features { flex: 0 0 100%; } #PGBWGVSOifLQTUjQ .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #PGBWGVSOifLQTUjQ.sizeone .listing-header-cntnr { display: none; } #PGBWGVSOifLQTUjQ.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { position: fixed; } } #PGBWGVSOifLQTUjQ.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #PGBWGVSOifLQTUjQ.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #PGBWGVSOifLQTUjQ.listingAlignment .logo-image-wrapper img { width: 100%; } #PGBWGVSOifLQTUjQ.listingAlignment { padding: 0px; } #PGBWGVSOifLQTUjQ.listingAlignment .listing-title { font-size: 14px; } #PGBWGVSOifLQTUjQ.listingAlignment .listing-title span { font-size: 14px; } #PGBWGVSOifLQTUjQ.listingAlignment .row-1 { padding: 26px 10px; } #PGBWGVSOifLQTUjQ.listingAlignment .prop-name { font-size: 10px; } #PGBWGVSOifLQTUjQ.listingAlignment .prop-value { font-size: 14px } #PGBWGVSOifLQTUjQ.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #PGBWGVSOifLQTUjQ.listingAlignment .logo-column.flex-container { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .prop-conatiner { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .ad-copy-column.flex-container { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .cta-column.flex-container { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .disclosure-content ul li::before { content: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .disclosure-content ul li { list-style: disc; } } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #PGBWGVSOifLQTUjQ.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #PGBWGVSOifLQTUjQ.ctaAlignment .cta-column.flex-container { display: block !important; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button { font-size: 16px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #PGBWGVSOifLQTUjQ .sh-no-listing-msg { padding: 20px 0px; } #PGBWGVSOifLQTUjQ .sh-widget-footer-MBT { display: none; } #PGBWGVSOifLQTUjQ.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #PGBWGVSOifLQTUjQ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #PGBWGVSOifLQTUjQ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #PGBWGVSOifLQTUjQ .sh-widget-footer-QS { display: none; } #PGBWGVSOifLQTUjQ.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #PGBWGVSOifLQTUjQ.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #PGBWGVSOifLQTUjQ.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title, #PGBWGVSOifLQTUjQ.customizeColorEffect .prop-name, #PGBWGVSOifLQTUjQ.customizeColorEffect .prop-value, #PGBWGVSOifLQTUjQ.customizeColorEffect .curDate, #PGBWGVSOifLQTUjQ.customizeColorEffect span.current-date, #PGBWGVSOifLQTUjQ.customizeColorEffect .disclosure-content ul li, #PGBWGVSOifLQTUjQ.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #PGBWGVSOifLQTUjQ.customizeColorEffect .add-text, #PGBWGVSOifLQTUjQ.customizeColorEffect .see-more-text, #PGBWGVSOifLQTUjQ.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #PGBWGVSOifLQTUjQ.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #PGBWGVSOifLQTUjQ.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #PGBWGVSOifLQTUjQ.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #PGBWGVSOifLQTUjQ.sizeone.customizeColorEffect .header-section, #PGBWGVSOifLQTUjQ.customizeColorEffect .row-2 { background: #E9F0EC; } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title { display: unset; } #PGBWGVSOifLQTUjQ.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title .prod-name:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .add-text:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .disclosure-contnr .text:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .see-more-text:hover { color: #EB0017; } #PGBWGVSOifLQTUjQ.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #PGBWGVSOifLQTUjQ.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #PGBWGVSOifLQTUjQ.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Bask BankBask BankChecking accountEarn 1.00% APYSavings accountEarn 3.90% APYCertificates of depositEarn up to 4.00% APYView offerat MoneyLionCompany insightsYear Founded: 1999Company Headquarters: Dallas, TXWho is Bask Bank good for? Bask Bank’s products are hyper-focused on high APYs. You’ll earn interest on all levels of banking, from checking to savings to certificates of deposit (CDs). If you want to ensure that you’re constantly making money from your deposit accounts, no matter which account you transfer it to, Bask Bank could be an enticing option. Bask Bank can also be an incredible option for those who value American Airlines miles. It offers a savings account specifically designed to accrue AA miles based on your account balance. Who shouldn’t use Bask Bank? Bask Bank does not as of this writing have a full suite of banking products such as money market accounts, loans, mortgages, IRAs, etc., so it’s not the best choice if you’re looking for a financial institution that can meet many different banking needs.N/AProsNo monthly account feesOffers an American Airlines mileage program through a savings accountCompetitive APY on deposit accountsConsSome competitors offer higher checking account interest ratesDoes not have other banking products such as loans, mortgages, or credit cardsNo brick-and-mortar locationsBank details checked Nov. 6, 2025.Bask Bank rates and productsBask Bank offers multiple online banking products: an interest-bearing checking account, a couple of high-yield savings accounts, and a modest selection of CD terms. There are no monthly fees or minimum balance required with these accounts.AccountReturn rateChecking account1.00%Savings account4.05%Mileage savings account1.75 AA miles per dollar saved annually CDs4.10%Checking accountReturn rate1.00%Savings accountReturn rate4.05%Mileage savings accountReturn rate1.75 AA miles per dollar saved annually CDsReturn rate4.10%Bank details checked Nov. 6, 2025.Checking accountBask Bank offers a free checking account with no minimum opening deposit and no minimum balance enforced. It earns a respectable 1.00% APY, which is leagues above the national average of 0.07% for interest-bearing checking accounts. It’s worth noting that, while there are no minimum balance requirements, you must fund your account within 15 days to avoid Bask Bank closing your account. Customers who open a Bask Interest Checking account between Nov. 1, 2025 and Jan. 31, 2026 may be able to earn up to a $300 cash bonus and get a 3.00% APY boost. Terms apply, qualifying activities required.Bask Bank checking account featuresMinimum opening deposit$0Monthly fees$0APY1.00%Online domestic wire transfer$20Online international wire transfer$35Bank details checked Nov. 6, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare1 ResultsProduct DescriptionsTop PickSoFi® : Checking and Savings AccountMember FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Annual Percentage Yield 0.50% as of 12/12/2025Monthly Fees$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. 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border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #qikCsoqlyFfoirgG .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 10px; } #qikCsoqlyFfoirgG .apy-label { font: normal normal 900 24px/28px Roboto; } #qikCsoqlyFfoirgG .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #qikCsoqlyFfoirgG .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #qikCsoqlyFfoirgG .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #qikCsoqlyFfoirgG .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #qikCsoqlyFfoirgG .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #qikCsoqlyFfoirgG .additional-content { margin-top: 0px !important; } #qikCsoqlyFfoirgG .additional-content ul li { margin-bottom: 0; } #qikCsoqlyFfoirgG .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #qikCsoqlyFfoirgG .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #qikCsoqlyFfoirgG .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #qikCsoqlyFfoirgG .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #qikCsoqlyFfoirgG .shArrow { width: 12px; height: 7px; } #qikCsoqlyFfoirgG span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #qikCsoqlyFfoirgG .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #qikCsoqlyFfoirgG .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #qikCsoqlyFfoirgG #see_more_carrier, #qikCsoqlyFfoirgG .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #qikCsoqlyFfoirgG .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #qikCsoqlyFfoirgG .apy-label p { margin-top: 0px; margin-bottom: 0px; } #qikCsoqlyFfoirgG .disclosure-content ul { padding-left: 18px; } @media (min-device-width : 651px) and (max-device-width : 1023px) { #qikCsoqlyFfoirgG { padding: 0 26px; } #qikCsoqlyFfoirgG .logo-image-wrapper { width: 136px; } #qikCsoqlyFfoirgG .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #qikCsoqlyFfoirgG .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #qikCsoqlyFfoirgG .prop-value-container .apy-container { flex: 0 0 44%; } #qikCsoqlyFfoirgG .prop-value-container .mfee-container, #qikCsoqlyFfoirgG .prop-value-container .minvalue-container { flex: 0 0 28%; } #qikCsoqlyFfoirgG .ad-copy-top-section { margin-bottom: 15px; } #qikCsoqlyFfoirgG .sh-row-product-title { max-width: 136px; } #qikCsoqlyFfoirgG .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #qikCsoqlyFfoirgG .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #qikCsoqlyFfoirgG .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #qikCsoqlyFfoirgG .logo-image-wrapper { width: 100%; max-width: 292px; } #qikCsoqlyFfoirgG .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #qikCsoqlyFfoirgG .ad-copy { margin-left: 0; } #qikCsoqlyFfoirgG .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #qikCsoqlyFfoirgG .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #qikCsoqlyFfoirgG .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #qikCsoqlyFfoirgG .see-more-text { padding: 16px 15px; } #qikCsoqlyFfoirgG .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #qikCsoqlyFfoirgG .top-section-right { margin-left: 0px; } #qikCsoqlyFfoirgG .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #qikCsoqlyFfoirgG.sizeone .header-section { padding: 6px 10px; } } #qikCsoqlyFfoirgG.sh-box650.device-desktop .row-1 { padding-left: 14px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box700.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box750.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box800.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box850.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box900.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box700.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box750.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box800.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box850.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box900.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box700.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box750.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box800.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box850.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box900.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box700.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box750.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box800.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box850.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box900.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box750.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box800.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box850.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box900.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box750.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box800.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box850.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box900.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box950.device-desktop .prop-value-container .mfee-container #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box750.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box800.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box850.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box900.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box700.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box750.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box800.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box850.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box900.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box700.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box750.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box800.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box850.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box900.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box700.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box750.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box800.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box850.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box900.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width : 767.5px) { #qikCsoqlyFfoirgG.sh-box650.device-desktop .row-1, #qikCsoqlyFfoirgG.sh-box700.device-desktop .row-1 , #qikCsoqlyFfoirgG.sh-box650.device-desktop .row-2, #qikCsoqlyFfoirgG.sh-box700.device-desktop .row-2 , #qikCsoqlyFfoirgG.sh-box500.device-desktop .row-1, #qikCsoqlyFfoirgG.sh-box550.device-desktop .row-1 , #qikCsoqlyFfoirgG.sh-box500.device-desktop .row-2, #qikCsoqlyFfoirgG.sh-box550.device-desktop .row-2{ display: unset; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box700.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box550.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box700.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box550.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box500.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value, #qikCsoqlyFfoirgG.sh-box550.device-desktop .prop-value, #qikCsoqlyFfoirgG.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box700.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box550.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#qikCsoqlyFfoirgG.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#qikCsoqlyFfoirgG.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#qikCsoqlyFfoirgG.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #qikCsoqlyFfoirgG .shmktpl-title, #qikCsoqlyFfoirgG .sub-heading-container, #qikCsoqlyFfoirgG .filter-check-options-cntnr, #qikCsoqlyFfoirgG .listing-header-cntnr { display: none; } #qikCsoqlyFfoirgG.title .shmktpl-title, #qikCsoqlyFfoirgG.subHeading .sub-heading-container, #qikCsoqlyFfoirgG.multiSelectFilter .filter-check-options-cntnr, #qikCsoqlyFfoirgG.resultsText .listing-header-cntnr { display: flex; } #qikCsoqlyFfoirgG.sizeone .add-overlay-content { width: 62%; height: auto; } #qikCsoqlyFfoirgG.sizeone .disclosure-title { padding: 6px 0px; } #qikCsoqlyFfoirgG.sizeone .header-section { padding: 6px 24px; background: #FFFFFF; color: grey; align-items: center; } #qikCsoqlyFfoirgG .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #qikCsoqlyFfoirgG.sizeone .title-container { margin-top: 0; } #qikCsoqlyFfoirgG.sizeone .non_featured_list { margin-top: 0; } #qikCsoqlyFfoirgG.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #qikCsoqlyFfoirgG.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #qikCsoqlyFfoirgG .item { flex: 1 1 calc(50% - 48px); } #qikCsoqlyFfoirgG .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #qikCsoqlyFfoirgG .item:nth-of-type(4n+3), #qikCsoqlyFfoirgG .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #qikCsoqlyFfoirgG .item:nth-of-type(4n+1), #qikCsoqlyFfoirgG .item:nth-of-type(4n+1) + * { background-color: #fff; } #qikCsoqlyFfoirgG .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #qikCsoqlyFfoirgG .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #qikCsoqlyFfoirgG .desktop, #qikCsoqlyFfoirgG .desktop-inline { display: none; } #qikCsoqlyFfoirgG .mobile { display: block !important; } #qikCsoqlyFfoirgG { padding: 0 18px; } #qikCsoqlyFfoirgG .shmktpl-title { font-size: 24px; line-height: 29px; } #qikCsoqlyFfoirgG .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #qikCsoqlyFfoirgG .add-overlay-content { width: 80%; height: auto; } #qikCsoqlyFfoirgG .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #qikCsoqlyFfoirgG .row-1 { flex-flow: column; padding: 16px; } #qikCsoqlyFfoirgG .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #qikCsoqlyFfoirgG .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #qikCsoqlyFfoirgG .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #qikCsoqlyFfoirgG .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #qikCsoqlyFfoirgG .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #qikCsoqlyFfoirgG .prop-value { margin-top: 0; } #qikCsoqlyFfoirgG .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #qikCsoqlyFfoirgG .non_featured_list { margin-top: 18px; } #qikCsoqlyFfoirgG .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #qikCsoqlyFfoirgG .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #qikCsoqlyFfoirgG .item:nth-child(3n), #qikCsoqlyFfoirgG .desktop-bg { background: none; } #qikCsoqlyFfoirgG .prod-desc-popup-content { padding: 0; } #qikCsoqlyFfoirgG .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #qikCsoqlyFfoirgG .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #qikCsoqlyFfoirgG .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #qikCsoqlyFfoirgG .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #qikCsoqlyFfoirgG .disclosure-content ul { padding-left: 14px; line-height: 28px; } #qikCsoqlyFfoirgG .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #qikCsoqlyFfoirgG .additional-features { flex: 0 0 100%; } #qikCsoqlyFfoirgG .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #qikCsoqlyFfoirgG.sizeone .listing-header-cntnr { display: none; } #qikCsoqlyFfoirgG.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #qikCsoqlyFfoirgG .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #qikCsoqlyFfoirgG .prod-desc-popup-content { position: fixed; } } #qikCsoqlyFfoirgG.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #qikCsoqlyFfoirgG.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #qikCsoqlyFfoirgG.listingAlignment .logo-image-wrapper img { width: 100%; } #qikCsoqlyFfoirgG.listingAlignment { padding: 0px; } #qikCsoqlyFfoirgG.listingAlignment .listing-title { font-size: 14px; } #qikCsoqlyFfoirgG.listingAlignment .listing-title span { font-size: 14px; } #qikCsoqlyFfoirgG.listingAlignment .row-1 { padding: 26px 10px; } #qikCsoqlyFfoirgG.listingAlignment .prop-name { font-size: 10px; } #qikCsoqlyFfoirgG.listingAlignment .prop-value { font-size: 14px } #qikCsoqlyFfoirgG.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #qikCsoqlyFfoirgG.listingAlignment .logo-column.flex-container { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .prop-conatiner { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .ad-copy-column.flex-container { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .cta-column.flex-container { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .disclosure-content ul li::before { content: unset; } #qikCsoqlyFfoirgG.listingAlignment .disclosure-content ul li { list-style: disc; } } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #qikCsoqlyFfoirgG.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #qikCsoqlyFfoirgG.ctaAlignment .cta-column.flex-container { display: block !important; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button { font-size: 16px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #qikCsoqlyFfoirgG .sh-no-listing-msg { padding: 20px 0px; } #qikCsoqlyFfoirgG .sh-widget-footer-MBT { display: none; } #qikCsoqlyFfoirgG.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #qikCsoqlyFfoirgG.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #qikCsoqlyFfoirgG.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #qikCsoqlyFfoirgG .sh-widget-footer-QS { display: none; } #qikCsoqlyFfoirgG.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #qikCsoqlyFfoirgG.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #qikCsoqlyFfoirgG.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { min-width: 440px; height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #2c93e4; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 12px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #1d70b1; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #2c93e4; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 10px; } } @media (max-width : 767px) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; height: auto !important; min-width: 100% !important; padding: 8px 9px; margin-bottom: 8px; box-sizing: content-box; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 12px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #546F8E; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } } } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title, #qikCsoqlyFfoirgG.customizeColorEffect .prop-name, #qikCsoqlyFfoirgG.customizeColorEffect .prop-value, #qikCsoqlyFfoirgG.customizeColorEffect .curDate, #qikCsoqlyFfoirgG.customizeColorEffect span.current-date, #qikCsoqlyFfoirgG.customizeColorEffect .disclosure-content ul li, #qikCsoqlyFfoirgG.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #qikCsoqlyFfoirgG.customizeColorEffect .add-text, #qikCsoqlyFfoirgG.customizeColorEffect .see-more-text, #qikCsoqlyFfoirgG.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #qikCsoqlyFfoirgG.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #qikCsoqlyFfoirgG.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #qikCsoqlyFfoirgG.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #qikCsoqlyFfoirgG.sizeone.customizeColorEffect .header-section, #qikCsoqlyFfoirgG.customizeColorEffect .row-2 { background: #E9F0EC; } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title { display: unset; } #qikCsoqlyFfoirgG.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title .prod-name:hover, #qikCsoqlyFfoirgG.customizeColorEffect .listing-title:hover, #qikCsoqlyFfoirgG.customizeColorEffect .add-text:hover, #qikCsoqlyFfoirgG.customizeColorEffect .disclosure-contnr .text:hover, #qikCsoqlyFfoirgG.customizeColorEffect .see-more-text:hover { color: #EB0017; } #qikCsoqlyFfoirgG.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #qikCsoqlyFfoirgG.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #qikCsoqlyFfoirgG.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title { display: block; } #qikCsoqlyFfoirgG.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #qikCsoqlyFfoirgG.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #qikCsoqlyFfoirgG .sh-right-arrow { display: none; } #qikCsoqlyFfoirgG.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #qikCsoqlyFfoirgG.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #qikCsoqlyFfoirgG .listing-content-wrapper .disclosure-content a { color: #1C96F0; text-decoration: underline; } #qikCsoqlyFfoirgG .add-overlay-content {right: 4%;top: 0%;}#qikCsoqlyFfoirgG .shmktpl-button span.btn__text::after{display:none;} @media (min-width:768px){ #qikCsoqlyFfoirgG .shmktpl-button:hover{background:#0E86DE;} #qikCsoqlyFfoirgG .add-text:hover {color:#0E86DE;} #qikCsoqlyFfoirgG .listing-title .prod-name:hover{color:#0E86DE;} #qikCsoqlyFfoirgG .disclosure-contnr .text:hover{color:#0E86DE;} #qikCsoqlyFfoirgG .see-more-text{width:68px} #qikCsoqlyFfoirgG .see-more-text:hover{color:#0E86DE;} #qikCsoqlyFfoirgG .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; 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font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsBask Bank has two savings accounts: an interest-earning free savings account and one that earns American Airlines miles. There are no monthly fees or minimum balance required with either account.Bask Bank savings account featuresMinimum opening deposit$0Monthly fees$0APY3.90%Bank details checked Nov. 6, 2025.High-yield Savings Account Bask Bank has one savings account that earns 3.90% APY, which is among the best rates on the market. There are no tiered earning rates and no monthly fees, making it great for someone who can’t be bothered jumping through monthly hoops. Mileage Savings Account For every dollar you save annually with a Bask Bank Mileage Savings account, you can earn 1.75 American Airlines miles. For example, if you’ve kept an average of $40,000 in your savings account, you’d receive 70,000 American Airlines miles.Depending on how you use your miles, 70,000 American Airlines miles could be a considerably better deal than the cash you’d earn by keeping your savings in a high-yield interest-bearing account. For example, you might be able to book a one-way business class flight to Europe for 70,000 miles, as of this writing—while the same flight might cost around $2,500 if purchased without the rewards. Bask Bank Mileage Savings account featuresWelcome bonusEarn 10,000 American Airlines miles when you: – Open an account by Nov. 30, 2025 – Fund your account within 15 business days from account opening – Maintain a minimum $75,000 daily account balance for 180 days of the first 210 days following account openingMinimum opening deposit$0Monthly fees$0Return rate1.75 miles per dollarRewards and offersFirst-time customers who meet eligibility requirements and offer terms can earn 10,000 bonus miles after opening a new account by Nov. 30, 2025 and maintaining a minimum daily balance of $75,000 for 180 consecutive days.Bank details checked Nov. 6, 2025.CDsBask Bank CDs come in six term lengths, from three months to two years. The interest rates are highly competitive, with APYs ranging from 3.65% to 4.00%. Again, you’ll only find standard CDs with Bask Bank; if you’re after a no-penalty, bump-up, or IRA CD, you’ll need to look elsewhere. You must deposit at least $1,000 into the CD within the first 10 business days of opening the account, or it will close automatically. Bask Bank CD featuresMinimum opening deposit$1,000Available term lengths3–24 monthsTop APY4.00%Early withdrawal penalty– Terms less than 91 days: 30 days interest on the principle amount withdrawn – Terms between 91 days and 1 year: 90 days interest on the principle amount withdrawn – Terms greater than 1 year: 180 days interest on the principle amount withdrawnBank details checked Nov. 6, 2025.Bask Bank CD ratesTerm lengthAPY3 months4.00%6 months3.95%9 months3.95%12 months3.85%18 months3.75%24 months3.65%3 monthsAPY4.00%6 monthsAPY3.95%9 monthsAPY3.95%12 monthsAPY3.85%18 monthsAPY3.75%24 monthsAPY3.65%Bank details checked Nov. 6, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Other services Bask Bank offersBask Bank currently does not offer any other banking service aside from its checking account, two savings accounts, and CDs.Online banking Bask Bank offers a robust online banking experience, allowing you to choose which accounts appear on your home page, secure message representatives, access account statements, set up recurring and scheduled transfers, and more.The Bask Bank platform and customer supportBask Bank is a digital-only bank, which means customers must bank via Bask’s website or mobile app. The app is free and has a 4.7-star rating on the Apple App Store and a 4.5-star rating on Google Play across thousands of reviews.Customers can reach a Bask Bank representative by phone at 833-260-4320 from Monday to Friday between 7 a.m. and 7 p.m. and on Saturday between 9 a.m. and 4 p.m. Central Time. Bask Bank also offers an online request form and a secure messaging feature for existing members.Is Bask Bank secure?As you’d expect, Bask Bank takes measures to protect your sensitive information, including a host of notifications and alerts, two-factor authentication, account monitoring, online privacy protection, and more.Bask Bank is also FDIC-insured, meaning you’re covered up to $250,000 per depositor per ownership category in the event that the bank fails.Bask Bank user reviewsOnline reviews of financial institutions tend to be negative, as angry customers are typically more vocal than those who have had a seamless experience. With that in mind, Bask bank reviews are surprisingly reasonable. It scores a 2.4 rating on Trustpilot, which is actually notably better than many competitors.Gripes include programming issues and a glitchy website, while others praise the bank’s competitive savings rates and simple account setup.Users on forums like Reddit also remark about smooth money transfers and high APYs but a clunky app and occasional technical issues.Compare Bask Bank to alternativesConsider Alliant Credit Union or Quontic Bank if you’re seeking high yields but don’t feel Bask Bank is quite a fit for your needs.Bask BankAlliant Credit UnionQuontic BankTop savings APYTop savings APYTop savings APY3.95%3.10%3.75%Top checking APYTop checking APYTop checking APY1.00%0.25%1.10%Top CD APYTop CD APYTop CD APY4.00%4.10%3.85%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat MoneyLionView offerat QuonticBank details checked Nov. 6, 2025.Is Bask Bank right for you?If you’re simply looking to park some cash into a no-fee savings account or CD with one of the highest rates in the market, then Bask Bank is a good option. It may also be a fair option for those interested in collecting American Airlines miles instead of cash.The bank offers a no-frills checking account, as well—but that’s about it. There are no other lending or credit products, so if you need a full suite of options, another financial institution would be better for you.Frequently asked questionsIs Bask Bank a legitimate bank?Yes, Bask Bank is a division of Texas Capital Bank, a federally regulated financial institution based in Dallas. Bask Bank is also federally insured by the FDIC, so your deposits are covered for up to $250,000 per depositor and account in the event of failure.Is Bask Bank FDIC-insured?Yes, Bask Bank is FDIC-insured up to $250,000 per account holder per ownership category.Does Bask Bank charge monthly fees?Bask Bank doesn’t charge monthly maintenance fees, making it a great option for anyone looking for a free checking or savings account.What is the minimum deposit required to open a Bask Bank account?There is no minimum deposit required to open a Bask Bank checking or savings account—but you must deposit at least $1,000 to open a CD.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-03 04:21:36

Summer travel briefings: New hotels to visit this year

OshomBali, IndonesiaBali is the jewel in Indonesian tourism’s crown but the island’s popularity has come at the cost of the serenity that it’s known for. Look hard, though, and you’ll still find pockets of the blissful solitude that made it a global destination. Oshom is a new hotel that overlooks Nyanyi beach. This waterfront property is in the recently launched Nuanu Creative City, about 90 minutes’ drive from Denpasar Airport. You’ll find all of the amenities that you’d expect from a top health retreat, such as well-appointed rooms and a saltwater pool.oshombali.comVipp GuesthouseTodos Santos, MexicoFamily-owned Danish design brand Vipp, known for its slick homeware, has cut the ribbon on its first North American guesthouse on Mexico’s Pacific coast. Having opened a string of small properties around Europe, Vipp’s hospitality can now be enjoyed in Todos Santos on the Baja California Peninsula. Informed by the area’s natural beauty, the brutalist four-bedroom property is decked out with natural materials in sandy tones. Wedged between the Sierra de la Laguna mountain range and the Pacific Ocean, the views extend over a landscape dotted with cacti on one side and waves on the other.vipp.comArlberg Club HouseLech, Austria“Lech’s a town that values powder over pomp,” says Patrick Krummenacher, who co-owns Hotel Arlberg with his husband, Benjamin Schneider. They have repurposed the old tourism office to create Arlberg Club House. The restaurant’s menu departs from alpine staples, instead serving Mediterranean dishes such as gnocchi with caviar and lobster bisque. A shop offers Austrian Mühlbauer hats and skiwear from Aspen’s Aztech Mountain. You can also find cashmere from Iris von Arnim and Meta Campania’s workwear-inspired collection by Bottega Veneta alumnus Jon Strassburg.arlbergclubhouse.comSolo PalacioAsturias, SpainIf you’re seeking Spanish sun but without the crowds, Asturias should be on your radar. The cooler climate of this mountainous region is a pleasant alternative to the sweltering south. Head to the Las Ubiñas-La Mesa Nature Reserve, where you’ll find the 11-key Solo Palacio hotel in a converted 15th-century palace. Madrileña Sofía Tejerina began restoring the property in 2023, incorporating thewabi sabiphilosophy of embracing imperfections. “Tourists are looking for alternatives to Spain’s sunny beaches,” says Tejerina. “Here guests can find a pleasant microclimate away from Spain’s cities.” Asturian and Japanese touches extend to the restaurant, where you’ll find dishes such as tempura vegetables with soy mayonnaise and noodles with sobresada (Spanish cured sausage).solopalacio.comGundariFolegandros, GreeceGundari sits atop a cliff at the southern end of the Cycladic isle of Folegandros. Echoing the island’s wild, rocky landscape, Gundari’s interiors feature earthy browns and limestone chosen by Australian owner Ricardo Larriera. The 25 suites and two villas are designed by Athens-based architects Block722. All have windows framing ocean views but some include subterranean rooms carved into the cliff where infinity pools and dark-wood joinery enjoy shelter from the summer Meltemi winds. Chef Lefteris Lazarou brings city flair from his Michelin-starred Athens kitchen while one of the capital’s best bars, Line, helps with the cocktails. Best of all, the swarms of tourists are nowhere to be seen – just the Aegean Sea stretching away to Crete.gundari.com

Personal Finance 2025-12-09 20:59:53

The best savings account is offering 5.00% APY. Check out our list of the top high-yield savings accounts on Nov. 4, 2025

Looking for a great place to stash your rainy-day emergency funds? There are still savings accounts offering rates of up to 5% APY, but they can be hard to find.When inflation rates started cooling off last year and the Federal Reserve eased monetary policy, savings rates declined from the nearly two-decade highs seen in 2022 and 2023. Over the past several months, the outlook on inflation and the U.S. economy has been less clear, so the Fed initially held off on reducing the federal funds rate. However, the central bank finally delivered its first cut of 2025 at the Sept. 16-17 meeting and another at the end of October.Markets also anticipate the potential for one more cut this year, as the Fed has a meeting scheduled for December.Fortunehas teamed up with Curinos, an expert team of financial industry consultants, to bring you the highest savings account rates available on November 4, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Cash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionJenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.DCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. 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border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #UrNuABsLOUyrjalB .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #UrNuABsLOUyrjalB .apy-label { font: normal normal 900 24px / 28px Roboto; } #UrNuABsLOUyrjalB .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #UrNuABsLOUyrjalB .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #UrNuABsLOUyrjalB .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #UrNuABsLOUyrjalB .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #UrNuABsLOUyrjalB .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #UrNuABsLOUyrjalB .additional-content { margin-top: 0px !important; } #UrNuABsLOUyrjalB .additional-content ul li { margin-bottom: 0; } #UrNuABsLOUyrjalB .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #UrNuABsLOUyrjalB .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #UrNuABsLOUyrjalB .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #UrNuABsLOUyrjalB .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #UrNuABsLOUyrjalB .shArrow { width: 12px; height: 7px; } #UrNuABsLOUyrjalB span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #UrNuABsLOUyrjalB .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #UrNuABsLOUyrjalB .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #UrNuABsLOUyrjalB #see_more_carrier, #UrNuABsLOUyrjalB .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #UrNuABsLOUyrjalB .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #UrNuABsLOUyrjalB .apy-label p { margin-top: 0px; margin-bottom: 0px; } #UrNuABsLOUyrjalB .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #UrNuABsLOUyrjalB { padding: 0 26px; } #UrNuABsLOUyrjalB .logo-image-wrapper { width: 136px; } #UrNuABsLOUyrjalB .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UrNuABsLOUyrjalB .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UrNuABsLOUyrjalB .prop-value-container .apy-container { flex: 0 0 44%; } #UrNuABsLOUyrjalB .prop-value-container .mfee-container, #UrNuABsLOUyrjalB .prop-value-container .minvalue-container { flex: 0 0 28%; } #UrNuABsLOUyrjalB .ad-copy-top-section { margin-bottom: 15px; } #UrNuABsLOUyrjalB .sh-row-product-title { max-width: 136px; } #UrNuABsLOUyrjalB .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #UrNuABsLOUyrjalB .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #UrNuABsLOUyrjalB .logo-image-wrapper { width: 100%; max-width: 292px; } #UrNuABsLOUyrjalB .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #UrNuABsLOUyrjalB .ad-copy { margin-left: 0; } #UrNuABsLOUyrjalB .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #UrNuABsLOUyrjalB .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #UrNuABsLOUyrjalB .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #UrNuABsLOUyrjalB .see-more-text { padding: 16px 15px; } #UrNuABsLOUyrjalB .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #UrNuABsLOUyrjalB .top-section-right { margin-left: 0px; } #UrNuABsLOUyrjalB .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #UrNuABsLOUyrjalB.sizeone .header-section { padding: 6px 10px; } } #UrNuABsLOUyrjalB.sh-box650.device-desktop .row-1 { padding-left: 14px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box700.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box750.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box800.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box850.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box900.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box700.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box750.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box800.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box850.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box900.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box700.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box750.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box800.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box850.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box900.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box700.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box750.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box800.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box850.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box900.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box750.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box800.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box850.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box900.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box750.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box800.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box850.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box900.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box950.device-desktop .prop-value-container .mfee-container #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box750.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box800.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box850.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box900.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box700.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box750.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box800.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box850.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box900.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box700.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box750.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box800.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box850.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box900.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box700.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box750.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box800.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box850.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box900.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #UrNuABsLOUyrjalB.sh-box650.device-desktop .row-1, #UrNuABsLOUyrjalB.sh-box700.device-desktop .row-1 , #UrNuABsLOUyrjalB.sh-box650.device-desktop .row-2, #UrNuABsLOUyrjalB.sh-box700.device-desktop .row-2 , #UrNuABsLOUyrjalB.sh-box500.device-desktop .row-1, #UrNuABsLOUyrjalB.sh-box550.device-desktop .row-1 , #UrNuABsLOUyrjalB.sh-box500.device-desktop .row-2, #UrNuABsLOUyrjalB.sh-box550.device-desktop .row-2{ display: unset; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box700.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box550.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box700.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box550.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box500.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value, #UrNuABsLOUyrjalB.sh-box550.device-desktop .prop-value, #UrNuABsLOUyrjalB.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box700.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box550.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#UrNuABsLOUyrjalB.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#UrNuABsLOUyrjalB.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#UrNuABsLOUyrjalB.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #UrNuABsLOUyrjalB .shmktpl-title, #UrNuABsLOUyrjalB .sub-heading-container, #UrNuABsLOUyrjalB .filter-check-options-cntnr, #UrNuABsLOUyrjalB .listing-header-cntnr { display: none; } #UrNuABsLOUyrjalB.title .shmktpl-title, #UrNuABsLOUyrjalB.subHeading .sub-heading-container, #UrNuABsLOUyrjalB.multiSelectFilter .filter-check-options-cntnr, #UrNuABsLOUyrjalB.resultsText .listing-header-cntnr { display: flex; } #UrNuABsLOUyrjalB.sizeone .add-overlay-content { width: 62%; height: auto; } #UrNuABsLOUyrjalB.sizeone .disclosure-title { padding: 6px 0px; } #UrNuABsLOUyrjalB.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #UrNuABsLOUyrjalB .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #UrNuABsLOUyrjalB.sizeone .title-container { margin-top: 0; } #UrNuABsLOUyrjalB.sizeone .non_featured_list { margin-top: 0; } #UrNuABsLOUyrjalB.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #UrNuABsLOUyrjalB.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #UrNuABsLOUyrjalB .item { flex: 1 1 calc(50% - 48px); } #UrNuABsLOUyrjalB .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #UrNuABsLOUyrjalB .item:nth-of-type(4n+3), #UrNuABsLOUyrjalB .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #UrNuABsLOUyrjalB .item:nth-of-type(4n+1), #UrNuABsLOUyrjalB .item:nth-of-type(4n+1) + * { background-color: #fff; } #UrNuABsLOUyrjalB .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #UrNuABsLOUyrjalB .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #UrNuABsLOUyrjalB .desktop, #UrNuABsLOUyrjalB .desktop-inline { display: none; } #UrNuABsLOUyrjalB .mobile { display: block !important; } #UrNuABsLOUyrjalB { padding: 0 18px; } #UrNuABsLOUyrjalB .shmktpl-title { font-size: 24px; line-height: 29px; } #UrNuABsLOUyrjalB .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #UrNuABsLOUyrjalB .add-overlay-content { width: 80%; height: auto; } #UrNuABsLOUyrjalB .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #UrNuABsLOUyrjalB .row-1 { flex-flow: column; padding: 16px; } #UrNuABsLOUyrjalB .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #UrNuABsLOUyrjalB .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #UrNuABsLOUyrjalB .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #UrNuABsLOUyrjalB .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #UrNuABsLOUyrjalB .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #UrNuABsLOUyrjalB .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #UrNuABsLOUyrjalB .prop-value { margin-top: 0; } #UrNuABsLOUyrjalB .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #UrNuABsLOUyrjalB .non_featured_list { margin-top: 18px; } #UrNuABsLOUyrjalB .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #UrNuABsLOUyrjalB .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #UrNuABsLOUyrjalB .item:nth-child(3n), #UrNuABsLOUyrjalB .desktop-bg { background: none; } #UrNuABsLOUyrjalB .prod-desc-popup-content { padding: 0; } #UrNuABsLOUyrjalB .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #UrNuABsLOUyrjalB .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #UrNuABsLOUyrjalB .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #UrNuABsLOUyrjalB .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #UrNuABsLOUyrjalB .disclosure-content ul { padding-left: 14px; line-height: 28px; } #UrNuABsLOUyrjalB .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #UrNuABsLOUyrjalB .additional-features { flex: 0 0 100%; } #UrNuABsLOUyrjalB .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #UrNuABsLOUyrjalB.sizeone .listing-header-cntnr { display: none; } #UrNuABsLOUyrjalB.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #UrNuABsLOUyrjalB .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #UrNuABsLOUyrjalB .prod-desc-popup-content { position: fixed; } } #UrNuABsLOUyrjalB.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #UrNuABsLOUyrjalB.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #UrNuABsLOUyrjalB.listingAlignment .logo-image-wrapper img { width: 100%; } #UrNuABsLOUyrjalB.listingAlignment { padding: 0px; } #UrNuABsLOUyrjalB.listingAlignment .listing-title { font-size: 14px; } #UrNuABsLOUyrjalB.listingAlignment .listing-title span { font-size: 14px; } #UrNuABsLOUyrjalB.listingAlignment .row-1 { padding: 26px 10px; } #UrNuABsLOUyrjalB.listingAlignment .prop-name { font-size: 10px; } #UrNuABsLOUyrjalB.listingAlignment .prop-value { font-size: 14px } #UrNuABsLOUyrjalB.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #UrNuABsLOUyrjalB.listingAlignment .logo-column.flex-container { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .prop-conatiner { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .ad-copy-column.flex-container { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .cta-column.flex-container { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .disclosure-content ul li::before { content: unset; } #UrNuABsLOUyrjalB.listingAlignment .disclosure-content ul li { list-style: disc; } } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #UrNuABsLOUyrjalB.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #UrNuABsLOUyrjalB.ctaAlignment .cta-column.flex-container { display: block !important; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button { font-size: 16px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #UrNuABsLOUyrjalB .sh-no-listing-msg { padding: 20px 0px; } #UrNuABsLOUyrjalB .sh-widget-footer-MBT { display: none; } #UrNuABsLOUyrjalB.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #UrNuABsLOUyrjalB.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UrNuABsLOUyrjalB.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #UrNuABsLOUyrjalB .sh-widget-footer-QS { display: none; } #UrNuABsLOUyrjalB.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #UrNuABsLOUyrjalB.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UrNuABsLOUyrjalB.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title, #UrNuABsLOUyrjalB.customizeColorEffect .prop-name, #UrNuABsLOUyrjalB.customizeColorEffect .prop-value, #UrNuABsLOUyrjalB.customizeColorEffect .curDate, #UrNuABsLOUyrjalB.customizeColorEffect span.current-date, #UrNuABsLOUyrjalB.customizeColorEffect .disclosure-content ul li, #UrNuABsLOUyrjalB.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #UrNuABsLOUyrjalB.customizeColorEffect .add-text, #UrNuABsLOUyrjalB.customizeColorEffect .see-more-text, #UrNuABsLOUyrjalB.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #UrNuABsLOUyrjalB.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #UrNuABsLOUyrjalB.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #UrNuABsLOUyrjalB.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #UrNuABsLOUyrjalB.sizeone.customizeColorEffect .header-section, #UrNuABsLOUyrjalB.customizeColorEffect .row-2 { background: #E9F0EC; } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title { display: unset; } #UrNuABsLOUyrjalB.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title .prod-name:hover, #UrNuABsLOUyrjalB.customizeColorEffect .listing-title:hover, #UrNuABsLOUyrjalB.customizeColorEffect .add-text:hover, #UrNuABsLOUyrjalB.customizeColorEffect .disclosure-contnr .text:hover, #UrNuABsLOUyrjalB.customizeColorEffect .see-more-text:hover { color: #EB0017; } #UrNuABsLOUyrjalB.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #UrNuABsLOUyrjalB.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #UrNuABsLOUyrjalB.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title { display: block; } #UrNuABsLOUyrjalB.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #UrNuABsLOUyrjalB.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #UrNuABsLOUyrjalB .sh-right-arrow { display: none; } #UrNuABsLOUyrjalB.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #UrNuABsLOUyrjalB.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #UrNuABsLOUyrjalB.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #UrNuABsLOUyrjalB{position:relative;}.add-overlay-content{right: 4%;}#UrNuABsLOUyrjalB .shmktpl-button span.btn__text::after{display:none;} #UrNuABsLOUyrjalB .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #UrNuABsLOUyrjalB .shmktpl-button:hover{background:#0E86DE;} #UrNuABsLOUyrjalB .add-text:hover {color:#0E86DE;} #UrNuABsLOUyrjalB .listing-title .prod-name:hover{color:#0E86DE;} #UrNuABsLOUyrjalB .disclosure-contnr .text:hover{color:#0E86DE;} #UrNuABsLOUyrjalB .see-more-text{width:68px} #UrNuABsLOUyrjalB .see-more-text:hover{color:#0E86DE;} #UrNuABsLOUyrjalB .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best savings account rates on November 4, 2025: Earn up to 5.00% APYThe best high-yield savings account rate on the market is 5.00%, offered by Varo Money. Other institutions offering highly competitive yields include Axos Bank, SoFi, and Presidential Bank.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their savings. Here are the highest savings account rates available:FDIC average national deposit rates: January 2020 to presentDetermining if you’re getting a strong rate of return on your savings account is easy when you take a look at the national average savings rate, which currently sits at 0.40%. This is down from a historic high of 0.47% in March 2024, before the Fed’s three consecutive rate cuts last year and first rate cut of 2025 in September.Savings account news in 2025Fed monetary policy choices have a direct impact on average savings account rates. When the central bank increases its benchmark rate, financial institutions typically respond by raising the interest offered on savings accounts to stay competitive. When the Fed cut rates, yields on savings accounts tend to decrease.When it comes to the savings account rates offered by individual financial institutions, other considerations are in play. Banks adjust APYs based on various factors, including their own financial strategies, efforts to attract new customers, and overall market conditions.Note that banks can and do change the interest rates on savings accounts at any time, for any reason. Changes frequently occur following Fed meetings, which are held approximately eight times per year. For example, the Fed implemented three rate cuts in late 2024. Almost immediately, numerous banks began reducing their savings account APYs. After holding pat for many months in 2025, the Fed reduced its benchmark rate by a quarter percentage point at the Sept. 16-17 meeting and again by another quarter percentage point on Oct. 28-29. There’s still one more meeting left this year, and financial institutions might decrease their APYs if they sense the Fed is going to make another cut to the federal funds rate.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Keep your eyes open for high-yield savings accountsTechnically speaking, there isn’t a special banking deposit product called a “high-yield savings account.” The term is commonly applied to accounts that offer the highest APYs, commonly orders of magnitude greater than the average. While the national average savings rate stands at 0.40% on November 4, 2025, many high-yield accounts offer rates exceeding 4%.Traditional accounts often provide physical branch access with lower rates, while high-yield accounts are typically offered by online banks and feature higher rates, but limited in-person services. But regardless of what savings account you use, you can expect to pay taxes on any interest earned.Consider opening a high-yield savings account for these advantages:Significantly higher interest rates compared to traditional savings accountsOften free from minimum balance requirements or monthly feesEasy access to your fundsIdeal for emergency funds or short-term savings goalsFDIC-insured, providing the same protection as traditional banksWhen evaluating savings accounts, seek competitive APYs to maximize your earnings. Many high-yield accounts have no minimum balance requirements nor monthly maintenance fees, but make sure to read the fine print. You should also ensure the account provides easy access to withdrawals or transfers when needed (bonus points for accounts that waive foreign ATM fees). Remember to verify FDIC insurance coverage, and don’t forget that some banks offer attractive welcome incentives for new customers.Frequently asked questionsHow often do APYs on high-yield savings accounts change?There’s no fixed schedule for when your high-yield savings account’s APY might change. Banks and credit unions can adjust these rates whenever they choose. Typically, though, you’ll notice rate changes follow shifts in the Federal Reserve’s benchmark rate—when the Fed moves the federal funds rate up or down, banks often do the same with their savings products.Should I switch banks if I find a savings account with a higher rate?You’re not restricted from having savings accounts at different banks, so switching is an option. However, make sure the higher APY justifies the hassle, and watch for any minimum deposit requirements that could impact your returns.How easy is it to withdraw money from a HYSA?With many banks, withdrawing from a high-yield savings account is straightforward—transfers to external accounts can usually be done online in just a few steps. Still, know that many institutions may limit you to six withdrawals per month.Should I choose an online-only bank for my HYSA?Because they operate without physical branches, online-only banks may be able to offer higher rates on savings accounts, making them an attractive option for many savers.Can I lose money in a high-yield savings account?As long as your HYSA is with an FDIC-insured bank or an NCUA-insured credit union, your money is protected up to the insurance limit. We’ll also note you’re not at risk of losing your principal like you could in the stock market—though inflation could erode your purchasing power over time.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-28 04:21:49

Street food is still a defining force in the culinary scene of Istanbul

When Cenk Debensason is hungry, he rarely reaches for a Michelin guide for tips. “Whenever I think of food in Istanbul, I think of this,” the chef behind the celebrated Arkestra restaurant tells Monocle as he stands beside a vendor while a fish sizzles on the grill atop a simple cart. Debensason is here by the edge of the Bosphorus forbalik ekmek: mackerel with onions, parsley, sumac and cumin, served in a hunk of fluffy white bread. Alongside thesimit– sesame-crusted rings that are sweetly caramelised outside and pillowy soft within – such simple snacks are the city’s staples. But for all of the tiledlokantasi(workers’ bistros), black-tea sellers and kebab shops, Turkish fare has undergone something of a reinvention of late.Cenk DebensassonDebensason trained in France and, with his wife and business partner, Debora Ipekel, creates simple yet sophisticated spins on modern European and Turkish classics, using ingredients grown and caught around the city. The Michelin guide arrived in Istanbul in 2022 (the inspectors went to the western provinces of Izmir and Bodrum a year later) and Arkestra, based in a discreet modernist villa in the Etiler district, was one of the establishments that earned a coveted star. It marked a major step up in the city’s culinary reputation.The Arkestra kitchenWarm interiors invite guests to lingerMeanwhile at Turk, a sleek establishment with a months-long waiting list in fashionable Bomonti, Fatih Tutak fuses Turkish flavours with techniques that he learned during his 15 years working in some of Asia’s top restaurants. At Neolokal, set in the grand building that housed the Ottoman empire’s central bank, Maksut Askar riffs on the flavours of his home region of Hatay (Turkey’s gastronomic capital, according to some), adding a sustainable slant by using regional produce and providing a vegetarian menu – something that would have been hard to come by just 10 years ago.There’s a fierce wind whipping across the Bosphorus when we arrive at the packed terrace restaurant of the Sakip Sabanci Museum. This landmark building in Istanbul’s affluent northern suburbs has one of the best waterside vantage points in the city and a menu to match. It is the training restaurant for the MSA (the Mutfak Sanatlari Akademisi, or the Culinary Arts Academy), Turkey’s premier school for chefs, meaning that the food here, as affordable as it is, reaches the standards of the city’s most elite institutions.Here we meet Sitare Baras, the managing director of the MSA, and Sabiha Apaydin Gonenli, one of Turkey’s foremost sommeliers. Baras is keen to try the new dishes on the menu, so we order delicate slivers of beef tartare in a tangy sauce;icli kofte, tiny meatballs stuffed inside bulgur dough; hummus; and delicatelahmacun, crispbreads topped with meat and tomato. Dessert is a twist on an Istanbul street-food classic: candied chestnut, reimagined as a creamy mousse topped with feather-light whipped cream. “We didn’t have avant-garde chefs before the 2000s,” says Baras. “Turkish food used to be very local. We transformed the quality of the education in the country. Our graduates work in all of the biggest restaurants and a lot of them who came from Anatolia want to go back to their hometowns and raise the bar there.”MSA students working in the Sakip Sabanci Museum restaurantThe MSA’s premises in Maslak, a bustling business district on the European side of Istanbul, is a mix of nostalgia and cutting-edge efficiency. In the foyer are glass-fronted cabinets stuffed with vintage food tins and wine bottles but the training kitchens are kitted out with stop clocks and viewing windows that allow visitors to watch the trainees in action, replicating the high-octane atmosphere of a working kitchen. Here, Baras hopes that chefs will be able to hone their skills to the millimetre-fine accuracy required in the top kitchens.“We tell the students that it should be a reflex when they are cutting – their mind should be on the next stage,” says Sergin Keyder, one of the trainers, who started as a student at the school eight years ago. “At first I was working with a ruler and stickers on my cutting board. I ate carrot purée for two months.”The MSA’s diploma is internationally recognised and its former students, who number about 30,000, have gone on to work in kitchens worldwide, as well as refilling the city’s culinary talent pool. Turkish cuisine is the school’s bedrock but it also teaches other styles, reflecting the increasing appetite for variety in Istanbul. Birol Can is one of the 2025 cohort. The 27-year-old had already completed a degree in cinema and was living in his home city of Tekirdag when he decided to pursue his childhood dream and sign up at the MSA. He hopes to open a French or Italian restaurant in his hometown once he graduates.Perfect platingGreen shootsTurkish wine is also stepping up after years of obscurity. Apaydin Gonenli is a former chief of front-of-house operations at Mikla, an Istanbul institution where she was responsible for food and wine pairings. In 2019 she organised the first Root, Origin, Soil conference to showcase Turkish viticulture, an event that is now held biannually. “We were always drinking the same six Turkish grape varieties and I wondered why,” says Gonenli. “In Turkey we have about 800 unique varieties and I started promoting them. When I set out, there were 20 indigenous varieties available commercially. Now there are 60.”The bottles are now making their way into high-end restaurants and a few pioneers are popularising wine bars. Chief among them is Foxy in Istanbul’s smart Nisantasi district, a venture by Maksut Askar and wine expert Levon Bagis, where an extensive and ever-changing selection of regional varieties is available by the glass, alongside fresh twists on classic mezze.Above all – and despite the role that Michelin has played in internationalising and glamorising Turkish food – there is still something pleasingly democratic about the restaurant scene here. “Our customers come here for a good time, not to feel overwhelmed,” says Debensason, while explaining why Arkestra offers à la carte rather than the tasting menu often favoured by Michelin inspectors.On the weekday evening that Monocle visits, the atmosphere at the restaurant is fittingly fun and informal. The tables are full but Debensason and Ipekel mingle with guests, explaining new dishes and recommending wine pairings. When Monocle asks where he would head for a taste of the city, Debensason suggests Donerci Engin, an unassuming hole in the wall with plastic furniture in Beyoglu that serves nothing more complicated than a classic doner kebab. Prices might be on the rise but don’t let anyone tell you an international reputation has cost Istanbul’s food scene its authenticity or its originality.Tastes of the cityHere are some of Istanbul’s culinary attractions beyond the white tablecloths and polished dining rooms.Lunch at Ismet Baba in KuzguncukBoiled corn-on-the-cob vendor at Eminonu portOne of the city’s vitamin bars, where fresh juice is squeezed to orderPandeliThis canteen feels like a hidden palace and is the best spot in the city for a quick, inexpensive lunch with views over Eminonu port. Turkish staples have been served here for about a century and the quality has never dipped. Arrive early or reserve to secure the best table.pandeli.com.trA lunchtime plate at PandeliKarakoy historic fish marketYou need to venture to the lesser known side of Karakoy to get to this market. Cross through the underpass that runs under the Galata Bridge and you’ll find it just a few steps beyond. This is where locals come to buy the freshest catch to take home. But you can also ask one of the adjoining restaurants to cook your choice for you or get it served in a sandwich or wrap to eat by the waterside.Catch of the day at the Karakoy fish market‘Simit’ stands, citywideYou’ll findsimiteverywhere but if you want the freshest available, look for the vendors with the highest turnover. You can’t go far wrong at any of the city-centre ports, where thousands of people pass by every hour. One of the most atmospheric is the cart just outside Besiktas port, which has a lovely backdrop of the historic terminal and the Bosphorus beyond.Basta!Founded by two chefs who worked in Michelin-starred restaurants outside Turkey, this no-fuss spot has the best wraps (dürüm) in the city. The menu is tight, with options that you can count on one hand, but the flavour combinations are so well balanced that you’ll keep coming back for more. Try the lamb with harissa and yoghurt. The pavement seats make for prime people-watching spots.bastafood.comKebapci Zeki UstaProprietor Yilmaz Omeroglu uses only the freshest meat for his kebabs and meatballs. There’s no doner here, however. Zeki Usta’s specialities areadanaandurfakebabs, richly spiced and served with pillowy pitta bread. This atmospheric café is in the heart of Kuzguncuk, a quaint neighbourhood of coloured houses and ancient churches on the Asian side.Kuzguncuk, Icadiye Caddesi 31Moda Tea GardenTea is a way of life in Istanbul and you’re never too far away from a seller brewing a fresh batch. Seek out the tea gardens if you want to retreat from Istanbul’s chaos and sip your drink in peace. Our favourite is in the Moda district on the Asian side, on a bluff overlooking the Sea of Marmara.Caferaga, Park Ici Yolu, 34710 KadikoyLocals spend an afternoon at the Moda tea gardenRising to the challengeMuch has been done to improve Istanbul’s drinking-and-dining scene but there remain challenges – not least the Turkish economy, which continues to suffer from sky-high inflation that has pushed the once famously low dining prices up to levels that you might expect in London or Paris. The government is also slapping punitive taxes and restrictions on alcohol producers and retailers, including a wide-ranging ban on advertising, which even precludes wine-tasting events. “We can produce but not promote,” says Sabiha Apaydin Gonenli, wine director of Istanbul’s Mikla and co-founder of Heritage Vines of Turkey. “When I am teaching front-of-house courses, I ask my students how many grape varieties they know. Most still don’t know any Turkish varieties.”Luckily, Gonenli’s work and that of many of the city’s best chefs is helping to create a market for Turkish wine. Several vineyards are now also opening to the public, many of them in pleasingly unexpected places. Monocle recently enjoyed an afternoon at Eskibaglar winery in the mountains of Elazig in eastern Anatolia, where ancient vines have been brought back into commercial use and complemented by a smart on-site restaurant and hotel.

Travel 2025-12-20 17:05:58

The best new restaurants this April, from Greece to South Asia

Tiffany’s X 1905ThessalonikiA classicmageirio, Tiffany’s served homely dishes to Thessaloniki’s diners for some 40 years before closing in 2013. Now, Tiffany’s X 1905 (pictured above) is bringing it back – with a twist. “We didn’t want to copy the original but to invent a modern version,” says restaurateur Nikos Nyfoudis, who draws inspiration from Crete, Kefalonia, London (where he lived for 13 years) and his native Thessaloniki. Oenologist Anestis Haitidis procured about 550 varietals for the wine list, for pairing with thekontosouvli(spit-roasted pork), Tinos pickled artichokes and braised lamb with yoghurt. For dessert, try thekiounefe– a pastry shell filled with mozzarella cheese.tiffanys1905.grDa CostaSomersetSince Hauser & Wirth opened its Bruton outpost a decade ago, tasteful types have flocked to the Somerset village to see the best art that England’s southwest has to offer. But leafy Bruton boasts more than just contemporary culture. Named after co-founder Iwan Wirth’s maternal grandfather, Da Costa is a new addition to the gallery and to Bruton’s culinary scene. The restaurant serves northern Italian fare made with seasonal ingredients – think salt-baked beetroot risotto and cured trout with smoked ricotta and blood orange. Tiramasù will wrap up your food tour of the Italian Alps via the West Country.da-costa.co.ukJasonHelsinkiFinland’s Jari Vesivalo, a chef with decades of experience in his capital’s Michelin-starred kitchens, has shifted gear to open a casual joint, Jason. “The goal in the kitchen is to make good food without unnecessary gimmicks,” says Vesivalo of the 50-cover venue in a dark-hued art nouveau building. Monocle is treated to seasonal dishes on our visit: mushrooms with sour plum and white soy, and pike perch served with lobster butter sauce. “Our portions are hearty and we don’t align every salad leaf on the plate,” says Vesivalo with a chuckle. “But I still organise the kitchen like I used to.”ravintolajason.fiLuna RestaurantBolzanoLuna Restaurant has opened in Bolzano’s Parkhotel Mondschein, parts of which date back as far as 1320.Head chef Mathieu Domagala’s menu features carpaccio of pink shrimp from Porto Santo Spirito, tagliatelle with duck ragù and salted cod with Taggiasca olives, with all vegetables courtesy of the kitchen garden. To finish? A zu Plun Rum babà. Merano-based Biquadra’s design pays homage to the building’s history with a rich red colour palette, accented with brass and offset by velvet seats and travertine tables.parkhotelmondschein.comSommaSingaporeAfter the success of his seaside bistro Fico, Singapore-based Italian chef Mirko Febbrile embarked on a fresh fine-dining venture: Somma. Within the city-state’s New Bahru retail and hospitality complex, this collaboration with The Lo & Behold Group takes inspiration from Febbrile’s home province, Puglia. The intimate 36-cover restaurant offers a tasting menu, while the bar is more casual, with options from taralli crackers to handmade pasta with river crab. Cocktails include Italian aperitivos and experimental creations: the whiskey-based Bolognese Muse is unmissable.somma.worldEel BarNew YorkNew York’s Lower East Side doesn’t exactly need another new restaurant. But when the team behind much-loved Iberian-style bolthole Cervo’s announced that its new venue, Eel Bar, was opening around the corner, locals regained their apetite. “We knew that we wanted to be in this neighbourhood,” says partner Nialls Fallon. Inside, diners share olives and anchovies, fried and marinated mussels, and hunks of pan de cristal. It can be hard to snag a table in this wood-clad dining room but you can sink a cocktail at the bar while you wait.eelbarnyc.com

Tech 2025-11-30 10:35:50

Transport for Wales launches new high speed internet network

Transport for Wales has launched a new full fibre high speed internet network which was installed in tandem with the South Wales Metro rail electrification project. In a UK rail industry first the transport body of the Welsh Government said its wholesale network can be reached by one million people, through new subsidiary venture TfW Ffeibr. Alexia Course, chief commercial officer at TfW said: “We’re extremely proud and excited to be launching TfW Ffeibr, to provide a state-of-the-art high-speed network for companies to use and sell within Valley communities. “We’ve been carrying out huge infrastructure works in the Valleys, electrifying the railway line as part of the South Wales Metro and this presented us with an opportunity to also build the infrastructure for a high-speed core network. “The Metro project is about physically connecting people and TfW Ffeibr is about connecting people in the digital world. At TfW, we’re fully aligned to the Well-being of Future Generations (Wales) Act and this new subsidiary business reinforces our commitment to improving the lives of people in Wales.” Guy Reiffer, managing director at TfW Ffeibr, said:“This is an industry and UK first – a rail infrastructure project that has diversified and utilised its construction to also install a high-speed, full fibre internet capable network. “We’re excited to launch and we’re looking forward to working with teleco companies to provide big-bandwidth full fibre internet for communities that are harder to reach. “For people living in the Valleys, high-speed internet enabled by our core fibre offering will open up lifestyle and business opportunities.” As well as reaching around one million people, TfW Ffeibr is currently accessing the number of business that could utilise the network., which is though accessible to many of the region's business parks. TfW Ffeibr is currently talking to a range of internet service providers and telecommunication (telco) companies over commercial use of its wholesale network. It said: “This will be either to connect towns and villages where an internet service provider is building out those towns or to connect businesses for those internet service providers or telcos, We cannot comment on individual discussions at this stage.” For those using the network TfW Ffeibr will charge a connection fee and for the distance provided. It declined to comment on projected revenues in its first three years. TfW wouldn't disclose the cost of installing the fibre on the Metro network. The bill for electrifying the Core Valley Lines, along with part of the City Line and the Coryton Line in Cardiff, will come in at just over £1bn. Moreover, alternative full fibre teleco, Ogi, has installed a new full fibre leased line connection at Cariff City FC’s training centre at Hensol in the Vale of Glamorgan. The new infrastructure is already boosting the club’s ability to process performance data in real time during training sessions. Ogi is already a well-known name in sport, with Cardiff Rugby, Parc y Scarlets, and the home of Welsh rugby, the Principality Stadium, among its customers. It also has sponsorship deals with Haverfordwest County AFC and the community-owned Merthyr Town FC. Ogi’s chief executive, Ben Allwright, said: “As a big football fan, I’m delighted to see Ogi supporting our home city club, Cardiff City. There’s a real sense of community among City’s supporters – and this plays to our community-centric ethos here at Ogi too. “Bringing our connectivity to the Bluebirds’ training base has the potential to help the teams develop their game and I’m very excited to see how increased access to real time analytics plays out on the pitch.” Huw Warren, head of commercial at Cardiff City FC, said: “Ogi is a strong signing and welcome addition to the Cardiff City family. They’re a Welsh brand making huge strides across the country right now and the support they’ve given since our partnership started has been exceptional. “Ogi’s full fibre technology enables us to do things faster and more efficiently, accessing data in the split seconds that matter on the pitch.

Personal Finance 2025-12-26 09:09:37

Earn up to 4.35% APY with the best CD rates available on Oct. 29, 2025

You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and finally made its first rate cut of 2025 at its September meeting, which means average CD yields are well off their recent record highs.Currently, the best CD rates offer up to 4.35% annual percentage yield. If you fund a certificate of deposit on October 29, 2025, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on October 29, 2025: Earn up to 4.35%The highest CD rate of 4.35% is offered by Ivy Bank on its three-month CD.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year. Now, the federal funds rate stands at 4.00%-4.25%. Some CD offerings dipped directly after.There are two more Fed meetings on the calendar this year, with the next one set for Oct. 28-29. CD rates could well dip further if banks anticipate the Fed will enact further rate cuts.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with lower rates in 2025. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we are beginning to see rates stabilize and drop below this threshold.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. 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} #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-10 13:14:59

Dyson to move workforce out of Bristol and scrap tech hub plans

Engineering giant Dyson is planning to move its workforce out of Bristol and is scrapping plans for a tech and research hub in the city - despite investing £100m in a new building. The company, best known for its bagless vacuum cleaners, will relocate 180 staff to its large campus in Wiltshire. It will mean all of Dyson's South West employees are based in one location. Dyson's Malmesbury base is home to the Dyson Institute, where 185 undergraduate and postgraduate engineers study while working for the company. The move comes despite a major investment by Dyson into a previously planned research and development hub in Bristol. The company, which currently rents office space on College Green, purchased and carried out a top-to-bottom refurbishment of 1 Georges Square in Finzels Reach last year. The £100m Bristol research centre, first announced in 2023, was expected to employ hundreds of extra AI and software engineers as well as the global tech firm’s commercial and e-commerce teams for Great Britain and Ireland. It is understood that Dyson staff will no longer move into the building, but will relocate to Malmesbury instead. The Finzels Reach office block, which is owned by the Dyson family, will be rented out to another employer. Although no date has been set for the relocation to Wiltshire, Business Live understands it will be in spring when the lease on Dyson's rented office expires. Staff members will be given support with the commute to Malmesbury, about 45-minutes' drive away. The news comes less than a year after Dyson announced plans to cut a third of its UK workforce as part of global restructuring. Dyson's chief executive Hanno Kirner said last year the review would ensure the business was "prepared for the future". The campus at Malmesbury was Dyson's head office until 2019 when founder Sir James Dyson moved the company's HQ from the UK to Singapore. The billionaire tycoon has long been a critic of the UK's economic policies and made the decision post-Brexit to move Dyson's headquarters closer to its manufacturing sites and supply chains. Asia also has a free trade agreement with the European Union. Last year, Sir James and his family were revealed to be the richest people in the West of England despite experiencing a fall in their wealth of £2.2bn over the year. According to the Sunday Time Rich List, Britain’s best-known inventor had a fortune of £20.8bn in 2024 - down from £23bn in 2023.

Travel 2025-12-03 20:36:51

Dive into history: The art deco charm of Paris’s Piscine Pontoise

Few places provide a better swimming experience than Paris’s Piscine Pontoise. With its yellow walls, blue decorative motifs and glass roof, this art deco pool in the 5th arrondissement is a jewel of the city’s architectural heritage. Designed by architect Lucien Pollet, whose works include the Piscine Molitor (now an M Gallery hotel) and Piscine Pailleron (in the 19th), the Pontoise has been open to the public since 1934 and has earned a place on the city’s list of historical monuments. But wear and tear had left the pool in a state of disrepair and the city of Paris closed its doors in 2019 for some much-needed renovations.Pierre Marchand Architectes, a studio specialising in heritage buildings and restoration, took on the work. “We wanted to bring back the core elements that made this pool unique,” says Pierre Marchand. “Mainly the notion of light and transparency, which had been completely lost due to the glass-roof damage.” The project was a balancing act between technical upgrades and the building’s historic integrity. “The pool is 33 metres long,” says Marchand. “It’s an atypical length but a stylistic choice from Pollet, which we had to work around.”Beyond the structural work, the aesthetic renovation of the Piscine Pontoise required the expertise of paint-restoration specialist, who uncovered the layers of paint to ensure a perfect match. They also brought back the original letterings of the pool’s signage, which Marchand incorporated into the new space. “We voluntarily kept the old expressions ‘Messieurs’ and ‘Dames’ instead of the contemporary ‘Hommes’ and ‘Femmes’,” he says. “We were also allowed by the council to have our own colour and signage, instead of the standard City of Paris ones”.The result is a bright and welcoming space complete with a gym, sauna and squash court. For Marchand, extending the life of the pool in the heart of the Latin Quarter meant ensuring the continuity of the life around it. “The pool is a small building but people have an emotional attachment to it because it has been a meeting point for so many years,” he says. A swim at the Piscine Pontoise is a dive into the small pleasures of the French capital, enjoyed by generations of Parisians. “A 1930s bathing suit isn’t required,” adds Marchand with a grin. “But you are welcome to use them for historic effect.”Opening times:06.30 to 22.45 on weekdays and 09.00 to 18.45 on weekendsRenovation budget:Between €10m and €12mDepth of the pool:1.4 metres to 2.8 metresAverage water temperature:27.6CShades of yellow used:Jaune Rousseau for the masonry and Jaune Delaunay for the changing roomsOther colours used:Bleu Garonne for the woodwork and Vert Souvenir for the ironworkFilms shot at the pool:Le Fabuleux Destin d’Amélie Poulain by Jean-Pierre Jeunet; Trois Couleurs: Bleu by Krzysztof Kieslowski; Tanguy by Étienne Chatiliez; and Nelly et Monsieur Arnaud by Claude Sautet

Tech 2025-12-13 05:37:15

Coding school to create new edtech jobs in Birmingham

More than 100 new edtech jobs are set to be created in Birmingham after a software training business announced it was expanding into the city. Wolverhampton-based School of Coding & AI has struck a deal to launch a new hub in Livery Street from where it plans to teach the next generation of tech and digital professionals. It said it expected to create at least 100 new higher education roles over the next three years. Founded in 2017, the company works with schools, colleges and businesses to boost digital skills by delivering courses in STEM subjects (science, technology, engineering and maths), computer science, AI and cyber security. It has formed a new partnership with University of Wolverhampton to open a 12,000 sq ft hub in Livery Place in Birmingham’s business district and plans to open five further campuses across the country in 2025. Email newsletters BusinessLive is your home for business news from across the West Midlands including Birmingham, the Black Country, Solihull, Coventry and Staffordshire. Click through here to sign up for our email newsletter and also view the broad range of other bulletins we offer including weekly sector-specific updates. We will also send out 'Breaking News' emails for any stories which must be seen right away. LinkedIn For all the latest stories, views and polls, follow our BusinessLive West Midlands LinkedIn page here. The new higher education centre will contain an AI learning lab and deliver a range of degrees and higher education courses. Around 300 students are set to enrol in January. The business also expanded into India earlier this year with new offices in Hyderabad and Chandigarh where it provides UK students with fully funded placements and the chance to experience a new culture while developing their skills in software development. In a separate announcement, SI Group, which specialises in performance additives, process solutions and chemical intermediates, is creating 15 roles by relocating its European R&D base from Greater Manchester base to Four Ashes, near Wolverhampton. The new facility will focus on the development of new products and the creation of data for existing products, as well as providing analytical support for R&D, manufacturing and supply chain functions. Its move to the West Midlands will create new roles in the fields of chemistry, polymer science and materials science and the lab will also offer summer internships for local students. The West Midlands Growth Company supported both investments by providing School of Coding & AI and SI Group with consultancy ahead of the moves. Manny Athwal, chief executive of School of Coding & AI, said: "We’re extremely excited to be collaborating with the University of Wolverhampton for this next chapter in our growth journey. "From our new Birmingham campus, we look forward to equipping a new generation of students with the specialist knowledge and expertise to embark on exciting and rewarding careers in tech." Cllr Stephen Simkins, leader of City of Wolverhampton Council, said: "Yet again, Wolverhampton is demonstrating it is a leader in digital technology and innovation. "School of Coding & AI is a beacon for the city and SI Group’s lab relocation shows the region is the place to invest when it comes to R&D. "Both companies are making a real difference to our residents and those beyond the city by creating jobs that align with our skills agenda."

Personal Finance 2025-12-28 17:52:08

Current price of gold as of October 28, 2025

Gold was trading at $3,933 per ounce at 10 a.m. Eastern Time on October 28, 2025. This is a $116 drop from yesterday at the same hour and over $1,159 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,049+2.95%Price of gold 1 month ago$3,822-2.83%Price of gold 1 year ago$2,774-29.45%Price of gold yesterdayGold price per ounce$4,049% Change+2.95%Price of gold 1 month agoGold price per ounce$3,822% Change-2.83%Price of gold 1 year agoGold price per ounce$2,774% Change-29.45%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals pricesas of 9:20 a.m. ET on October 28, 2025Precious MetalPrice per ounceGold$3,933Silver$47Platinum$1,569Palladium$1,369GoldPrice per ounce$3,933SilverPrice per ounce$47PlatinumPrice per ounce$1,569PalladiumPrice per ounce$1,369Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-12-11 08:34:41

Five chic fashion and hospitality collaborations to add to your travel list

High-pressure design studios in Milan and Paris are at the heart of the fashion industry. But when temperatures rise, even the busiest designers choose to slow down, don swimwear and decamp to the Mediterranean – a pause very much encouraged by luxury Italian manufacturers’ religious commitment to the extended August break.Brands have also been discovering that there are new ways to meet clients while lounging by the beach and have been embarking on a series of less expected, sunny collaborations with their favourite beach clubs, seaside hotels and even restaurants. Designers aren’t just creating exclusive summer collections for these destinations – they are now also custom-making parasols and sunloungers in their favourite shades or adding cocktails to a hotel’s menu. We round up some of our favourite fashion and hospitality tie-ins.1.Zeus+DioneLake VouliagmeniAthensLegend has it that nymphs once inhabited the waters of Athens’ Lake Vouliagmeni, drawing unsuspecting men beneath its serene surface. A quiet pull endures today – one glance at the lake’s majestic landscape, framed by a large rock formation, lush greenery and glassy waters, is enough to lure you in. “When we visited the lake we saw the dramatic rock and the beautiful still waters,” says Dimitra Kolotoura, co-founder of Zeus+Dione, Athens’ flagship fashion label. “It started a fascinating design process for our creative director, Marios Schwab.”Recently, the popular summer destination has become accessible again having been given a fresh look by creative consultant Athan Mytilinaios. Naturally, the Zeus+Dione team started spending more time in this corner of the Athenian Riviera, swimming in the clear waters or feasting on the seafood at Abra Ovata, the site’s Mediterranean restaurant. As a result, Kolotoura, Schwab and Mytilinaios joined forces to custom-design sunbeds, loungers, umbrellas and cushions for both the beach club and the restaurant. “Zeus+Dione is a custodian of Greek craftsmanship and a fantastic ambassador of Greek culture,” says Mytilinaios, explaining why it made sense to bring a fashion label on board.Kolotoura is adamant that Zeus+Dione has never been a traditional fashion label so working with new mediums was part of the appeal. She tapped wood engraver Pantazis Tselios to create a one- of-a-kind motif that was printed on the sunloungers and umbrellas all around Lake Vouliagmeni’s beach club. “We’re used to working with people who have an ability to create with their hands,” she says, pointing to the intricate pattern, which pays homage to Byzantine art as well as the lake’s natural landscape. A closer look reveals details including rock, seaweed and Mediterranean flora carved into the wood. The finished pattern was then printed on durable technical fabric, used to upholster the club’s furniture. Lake Vouliagmeni formed naturally some 2,000 years ago when a cavern collapsed following an earthquake. It is now protected under the Natura 2000 network of conservation areas across Europe and its beach club differs from the traditional approach. “The place is about Zen and wellness, which is why we wanted to work with a brand that understands that good things take time,” says Mytilinaios.For Zeus+Dione, the partnership offered a chance to tell its story away from the shop floor. “When someone visits the venue, they can discover how it aligns with our values and what we stand for,” says Kolotoura, who plans to unveil new phases of the collaboration next year. “Fashion wants to sell experience,” says Mytilinaios. “But there’s a limited number of experiences that you can offer if you only stay within your own realm.”zeusndione.com;lakevouliagmeni.gr2.Louis VuittonTaormina cocktail barSicily & Saint-TropezThis summer, Louis Vuitton is diving deeper into hospitality by opening a series of culinary outposts around the Med. In the Sicilian town of Taormina, the French luxury house’s shop on Corso Umberto is opening its rooftop for guests to enjoy a cocktail at the new Le Bar Louis Vuitton. With views of the sea and the medieval town, the venue also offers contemporary takes on Sicilian classics courtesy of chef Dionisio Randazzo, who heads the nearby Nunziatina restaurant.Meanwhile, in Saint-Tropez, the brand is once again taking over the White 1921 hotel. For the third year in a row chefs Maxime Frédéric and Arnaud Donckele are working together to infuse different cultural flavours in the menus. “Louis Vuitton is all about travel so the dishes have touches of Bangkok, France and Italy,” says Donckele. The result is a sun-soaked atmosphere in which French culinary excellence meets Mediterranean flavours, just a few steps away from the Louis Vuitton shop. “It’s a vibe: gastronomy with friendly service and music,” says Donckele. “We’re thinking about a lifestyle.”louisvuitton.com3.CDLPHotel PassalacquaLake ComoWhen Andreas Palm, co-founder of essentials and resort-wear label CDLP, first met Valentina de Santis, the CEO of Hotel Passalacqua, the pair were still students in Minneapolis. They couldn’t have predicted that, 20 years later, they would be sitting by Lake Como, orchestrating fashion and hospitality projects together.Palm, who is based in Stockholm, began his career in hospitality and spent a few years organising guests’ trips to the Grand Hotel Tremezzo, the second Como hotel property belonging to De Santis and her family. When CDLP first ventured into swim and resort wear, it designed an exclusive capsule for the hotel. “This was before collaborations between fashion brands and hotels were so common,” says De Santis. “But we had so much fun. Andreas is so creative so I just follow his process.”This summer the duo decided to continue the fun – and think bigger – with a fully fledged swim and resort-wear collection for men, which will be sold at the hotel’s boutique and on its e-commerce site, Sense of Lake. There’s also a sleek campaign featuring celebrated menswear stylist Robert Rabensteiner sporting the line. Think printed shirts inspired by vintage postcards, tailored swimming trunks made from recycled ocean waste and pool sets that can be worn for a relaxed sunset dinner. “If someone loses their luggage, they’ll find everything they need in this collection,” says Palm.This type of tie-in might now be a lot more common in the worlds of fashion and hospitality but, for De Santis, there needs to be a personal story behind each project for it to be successful. “There isn’t really a strategy behind these collaborations, if I’m honest,” she says. “But each one has a lot of heart in it and, in this case, there’s a friendship behind it all. We don’t want to follow trends or create something according to guests’ expectations. The hotels are also our homes so we do what we love and aim to surprise our visitors. Giving a personality to a hotel and making people dream is important.”Palm echoes her ideas, stressing that cultural value outweighs commercial motivation. “People are tired of collaborations that are just meant to drive sales,” he says. “It’s getting a bit boring. We want to work with people who we feel that we are aligned with in terms of values and aesthetics, and build something that will stand the test of time.” The eye-catching prints featured on some of the shirts and scarves in the collection are inspired by vintage postcards and represent quite a departure for the Swedish label, which is known for its understated aesthetic and monochromatic colour palettes. But to capture the visual richness of the Hotel Passalacqua, it was worth veering into new territory. “We always want to take things to a new level with this type of collaboration,” says Palm. “People are ready to go a little wild on holiday. You’re in a different mood if you’re in the Amalfi or Lake Como, rather than spending a regular Tuesday at home. It’s like stepping into a role – the holiday version of yourself.”Our holiday selves also happen to be more willing to splurge, creating fertile ground for brands to meet new customers and encourage them to take sartorial risks. “A hotel director who I was speaking to called holiday spending ‘funny money’,” says Palm, who plans to celebrate the summer season and the launch of the collection with boat rides and long lunches with friends at the Passalacqua garden. “I think this is the most beautiful hotel in the world,” he says.cdlp.com;senseoflake.com4.Jacquemus Jondal beach clubIbizaBorn and raised in the south of France, designer Simon Porte Jacquemus is the fashion industry’s resident Mediterranean: always in favour of breezy linens, sunny stripes and dance parties that end at sunrise. The sun is inscribed in his eponymous label’s DNA and over time he has perfected the summer uniform with signature striped shirts, lightweight dresses and raffia handbags.This year, to celebrate the arrival of warmer days, the Paris-based brand is leaving its home turf and flying to Ibiza – more specifically, to Casa Jondal on the island’s rocky southern coast. As part of a new, hospitality-focused collaboration, Jacquemus is fitting out the chic beach club with banana-yellow parasols and sunloungers that have playful polka-dot details echoing the brand’s spring/summer 2025 collection. Our favourite addition? An area reserved for playing pétanque, the French summer ball game par excellence.Since founding his business in 2009, the French designer has been cleverly tapping into the power of sunny locations for his runway shows, inviting guests to Provençal lavender fields, modernist houses in Capri or art museums in Saint-Paul-de-Vence. Extending this approach beyond the runway and into the realm of hospitality offers an opportunity to experience the label’s Mediterranean charm off-season too.At Casa Jondal, you can spend the day under the club’s bright-yellow parasols, settle in for a sundowner with a tequila-based cocktail or enjoy signature seafood dishes such as fried squid, red prawn carpaccio and caviar.You can also visit the temporary boutique on the beach and browse an exclusive resort collection of menswear, womenswear and accessories, including raffia hats and shirts featuring the same banana-yellow shade as the sunloungers. A series of novelty items including caps, keyrings and mugs double up as souvenirs of a beach holiday well spent.jacquemus.com5.Ulla JohnsonQuinta da Comporta CarvalhalNew York-based designer Ulla Johnson has always embraced a sunny, bohemian spirit, no matter which season she is designing for. Her summer ranges in particular are filled with breezy dresses, lightweightbroderie anglaisefabrics and elegant swimwear, inspired by Johnson’s travels and the artisan communities that she works with across the globe, in countries from Peru and Brazil to the Philippines.This summer the designer is indulging her love of travel even further with a takeover that is soon to come to wellness resort Quinta da Comporta in Portugal during the first two weeks of July. The project includes ikat-print and hand-loomed robes and towels, which will be available for guests to use around the hotel and purchase at its boutique, alongside Ulla Johnson’s ready-to-wear range.There’s also a new cocktail and health tonic concocted by Johnson – ideal for enjoying after a visit to the Oryza Spa or following a dip in the infinity pool.ullajohnson.com;quintadacomporta.com

Personal Finance 2025-12-30 17:47:11

PenFed Credit Union review 2025: High-yield deposit accounts and top-tier customer service

Established in 1935 and headquartered in Tysons, Virginia, Pentagon Federal Credit Union (PenFed) is one of the largest federal credit unions with $31 billion in assets. As of this writing, PenFed serves 2.9 million members worldwide and offers various financial products and services, including checking, savings, share certificates (the credit union equivalent of certificates of deposit) and more. Historically, PenFed membership was limited to those with ties to the United States government or military—but it’s now open to virtually everyone. Here’s what you need to know about PenFed Credit Union. All rates and fees are current as of Nov. 7, 2025, and are subject to change.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.DCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesVIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #GipaBSQpYIrNgQGZ .spinner { display: none; } #GipaBSQpYIrNgQGZ.listingsLoading .spinner { display: block; } #GipaBSQpYIrNgQGZ.listingsLoading .widget-render-result { display: none; } #GipaBSQpYIrNgQGZ.listingsLoaded .widget-render-result { display: block; } #GipaBSQpYIrNgQGZ.listingsLoaded .spinner { display: none; } #GipaBSQpYIrNgQGZ.listingsLoading .search-result-container .spinner { display: block; } #GipaBSQpYIrNgQGZ.listingsLoaded.listingsLoading .spinner { display: block; } #GipaBSQpYIrNgQGZ .spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #GipaBSQpYIrNgQGZ .spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; -webkit-animation: lds-dual-ring 1.2s linear infinite; animation: lds-dual-ring 1.2s linear infinite; } @-webkit-keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } @keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } #GipaBSQpYIrNgQGZ { font-family: Roboto,sans-serif; margin: 0; font-size: 14px; box-sizing: border-box; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; -webkit-tap-highlight-color: transparent; padding: 0 32px; max-width: 1024px; margin: 0 auto; position: relative; } #GipaBSQpYIrNgQGZ input.chk-btn { display: none; } #GipaBSQpYIrNgQGZ input.chk-btn + label { border: 1px solid #1C96F0; background: #FFFFFF; padding: 5px 8px; cursor: pointer; border-radius: 5px; color: #1C96F0; padding: 10px 16px; font-size: 14px; } #GipaBSQpYIrNgQGZ input.chk-btn:not(:checked) + label:hover { box-shadow: 0px 1px 3px; } #GipaBSQpYIrNgQGZ input.chk-btn + label:active, #GipaBSQpYIrNgQGZ input.chk-btn:checked + label { box-shadow: 0px 0px 3px inset; background: #1C96F0; color: #FFFFFF; } #GipaBSQpYIrNgQGZ .filter-check-options-cntnr { display: flex; 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} #GipaBSQpYIrNgQGZ .overlay-background-blur { position: fixed; top: 0px; left: 0px; width: 100%; height: 100%; background: rgba(53, 49, 69, 0.4); z-index: 1; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { top: 5%; margin-top: 20px; padding-bottom: 0; position: fixed; z-index: 1000; left: 0; right: 0; min-width: 600px; width: 80%; height: 90%; overflow-y: scroll; margin: auto; text-align: left; background-color: #fff; border: solid 1px #dcdcde; font-size: 12px; -webkit-box-shadow: -2px 2px 2px 0px rgba(220,220,222,0.75); -moz-box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); -webkit-border-radius: .125rem; -moz-border-radius: .125rem; border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #GipaBSQpYIrNgQGZ .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #GipaBSQpYIrNgQGZ .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #GipaBSQpYIrNgQGZ .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #GipaBSQpYIrNgQGZ .product-list { display: flex; flex-flow: row wrap; } #GipaBSQpYIrNgQGZ .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #GipaBSQpYIrNgQGZ .description { font-size: 12px; line-height: 18px; } #GipaBSQpYIrNgQGZ .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #GipaBSQpYIrNgQGZ .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #GipaBSQpYIrNgQGZ input.chk-btn + label { padding: 10px 11px; } #GipaBSQpYIrNgQGZ .check-elem { margin: 3px; } #GipaBSQpYIrNgQGZ.minFilter .check-elem.annuity { display: none !important; } #GipaBSQpYIrNgQGZ.minFilter .check-elem.businesschecking { display: none !important; } #GipaBSQpYIrNgQGZ.minFilter .check-elem.view-btn { display: none; } #GipaBSQpYIrNgQGZ.minFilter input.chk-btn + label { padding: 10px 11px; } #GipaBSQpYIrNgQGZ .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #GipaBSQpYIrNgQGZ input.chk-btn + label { padding: 10px 8px; } #GipaBSQpYIrNgQGZ.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #GipaBSQpYIrNgQGZ input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #GipaBSQpYIrNgQGZ.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #GipaBSQpYIrNgQGZ .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #GipaBSQpYIrNgQGZ.loadingMessage .sh-loading-msg { display: block; } #GipaBSQpYIrNgQGZ.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #GipaBSQpYIrNgQGZ .sh-loading-msg { font-size: 18px; } } #GipaBSQpYIrNgQGZ .mobile { display: none; } #GipaBSQpYIrNgQGZ .sh-hide { display: none; } #GipaBSQpYIrNgQGZ .desktop { display: block; } #GipaBSQpYIrNgQGZ .desktop-inline { display: inline-block; } #GipaBSQpYIrNgQGZ .row-1, #GipaBSQpYIrNgQGZ .row-2 { display: flex; } #GipaBSQpYIrNgQGZ .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #GipaBSQpYIrNgQGZ .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #GipaBSQpYIrNgQGZ .row-2 .listing-description { padding: 24px 23px; width: 100%; } #GipaBSQpYIrNgQGZ .logo-image-wrapper { margin: auto; width: 196px; } #GipaBSQpYIrNgQGZ .logo-column { display: flex; align-items: center; } #GipaBSQpYIrNgQGZ .logo-image-wrapper img { width: 100%; height: auto; } #GipaBSQpYIrNgQGZ .ad-copy { margin-left: 24px; } #GipaBSQpYIrNgQGZ .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #GipaBSQpYIrNgQGZ .listing-description .disclosure-content { margin-top: 0px; } #GipaBSQpYIrNgQGZ .logo-column.flex-container { flex: 0 0 20%; } #GipaBSQpYIrNgQGZ .ad-copy-column.flex-container { flex: 0 0 78%; } #GipaBSQpYIrNgQGZ .top-section-right { margin-left: 5px; } #GipaBSQpYIrNgQGZ .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #GipaBSQpYIrNgQGZ .ad-copy { margin-left: 24px; } #GipaBSQpYIrNgQGZ .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #GipaBSQpYIrNgQGZ .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #GipaBSQpYIrNgQGZ .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #GipaBSQpYIrNgQGZ .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #GipaBSQpYIrNgQGZ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #GipaBSQpYIrNgQGZ .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #GipaBSQpYIrNgQGZ .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #GipaBSQpYIrNgQGZ .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #GipaBSQpYIrNgQGZ .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #GipaBSQpYIrNgQGZ .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #GipaBSQpYIrNgQGZ .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #GipaBSQpYIrNgQGZ .disclosure-contnr { text-align: center; } #GipaBSQpYIrNgQGZ .listing-header-cntnr { margin-top: 34px; } #GipaBSQpYIrNgQGZ .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #GipaBSQpYIrNgQGZ .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #GipaBSQpYIrNgQGZ .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #GipaBSQpYIrNgQGZ .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #GipaBSQpYIrNgQGZ .apy-label { font: normal normal 900 24px / 28px Roboto; } #GipaBSQpYIrNgQGZ .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #GipaBSQpYIrNgQGZ .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #GipaBSQpYIrNgQGZ .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #GipaBSQpYIrNgQGZ .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #GipaBSQpYIrNgQGZ .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #GipaBSQpYIrNgQGZ .additional-content { margin-top: 0px !important; } #GipaBSQpYIrNgQGZ .additional-content ul li { margin-bottom: 0; } #GipaBSQpYIrNgQGZ .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #GipaBSQpYIrNgQGZ .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #GipaBSQpYIrNgQGZ .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #GipaBSQpYIrNgQGZ .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #GipaBSQpYIrNgQGZ .shArrow { width: 12px; height: 7px; } #GipaBSQpYIrNgQGZ span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #GipaBSQpYIrNgQGZ .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #GipaBSQpYIrNgQGZ .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #GipaBSQpYIrNgQGZ #see_more_carrier, #GipaBSQpYIrNgQGZ .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #GipaBSQpYIrNgQGZ .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #GipaBSQpYIrNgQGZ .apy-label p { margin-top: 0px; margin-bottom: 0px; } #GipaBSQpYIrNgQGZ .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #GipaBSQpYIrNgQGZ { padding: 0 26px; } #GipaBSQpYIrNgQGZ .logo-image-wrapper { width: 136px; } #GipaBSQpYIrNgQGZ .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #GipaBSQpYIrNgQGZ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #GipaBSQpYIrNgQGZ .prop-value-container .apy-container { flex: 0 0 44%; } #GipaBSQpYIrNgQGZ .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ .prop-value-container .minvalue-container { flex: 0 0 28%; } #GipaBSQpYIrNgQGZ .ad-copy-top-section { margin-bottom: 15px; } #GipaBSQpYIrNgQGZ .sh-row-product-title { max-width: 136px; } #GipaBSQpYIrNgQGZ .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #GipaBSQpYIrNgQGZ .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #GipaBSQpYIrNgQGZ .logo-image-wrapper { width: 100%; max-width: 292px; } #GipaBSQpYIrNgQGZ .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #GipaBSQpYIrNgQGZ .ad-copy { margin-left: 0; } #GipaBSQpYIrNgQGZ .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #GipaBSQpYIrNgQGZ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #GipaBSQpYIrNgQGZ .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #GipaBSQpYIrNgQGZ .see-more-text { padding: 16px 15px; } #GipaBSQpYIrNgQGZ .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #GipaBSQpYIrNgQGZ .top-section-right { margin-left: 0px; } #GipaBSQpYIrNgQGZ .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #GipaBSQpYIrNgQGZ.sizeone .header-section { padding: 6px 10px; } } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .row-1 { padding-left: 14px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .prop-value-container .mfee-container #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .row-1, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .row-1 , #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .row-2, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .row-2 , #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .row-1, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .row-1 , #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .row-2, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .row-2{ display: unset; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .prop-value, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#GipaBSQpYIrNgQGZ.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#GipaBSQpYIrNgQGZ.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#GipaBSQpYIrNgQGZ.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #GipaBSQpYIrNgQGZ .shmktpl-title, #GipaBSQpYIrNgQGZ .sub-heading-container, #GipaBSQpYIrNgQGZ .filter-check-options-cntnr, #GipaBSQpYIrNgQGZ .listing-header-cntnr { display: none; } #GipaBSQpYIrNgQGZ.title .shmktpl-title, #GipaBSQpYIrNgQGZ.subHeading .sub-heading-container, #GipaBSQpYIrNgQGZ.multiSelectFilter .filter-check-options-cntnr, #GipaBSQpYIrNgQGZ.resultsText .listing-header-cntnr { display: flex; } #GipaBSQpYIrNgQGZ.sizeone .add-overlay-content { width: 62%; height: auto; } #GipaBSQpYIrNgQGZ.sizeone .disclosure-title { padding: 6px 0px; } #GipaBSQpYIrNgQGZ.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #GipaBSQpYIrNgQGZ .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #GipaBSQpYIrNgQGZ.sizeone .title-container { margin-top: 0; } #GipaBSQpYIrNgQGZ.sizeone .non_featured_list { margin-top: 0; } #GipaBSQpYIrNgQGZ.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #GipaBSQpYIrNgQGZ.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #GipaBSQpYIrNgQGZ .item { flex: 1 1 calc(50% - 48px); } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+3), #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+1), #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+1) + * { background-color: #fff; } #GipaBSQpYIrNgQGZ .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #GipaBSQpYIrNgQGZ .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #GipaBSQpYIrNgQGZ .desktop, #GipaBSQpYIrNgQGZ .desktop-inline { display: none; } #GipaBSQpYIrNgQGZ .mobile { display: block !important; } #GipaBSQpYIrNgQGZ { padding: 0 18px; } #GipaBSQpYIrNgQGZ .shmktpl-title { font-size: 24px; line-height: 29px; } #GipaBSQpYIrNgQGZ .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #GipaBSQpYIrNgQGZ .add-overlay-content { width: 80%; height: auto; } #GipaBSQpYIrNgQGZ .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #GipaBSQpYIrNgQGZ .row-1 { flex-flow: column; padding: 16px; } #GipaBSQpYIrNgQGZ .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #GipaBSQpYIrNgQGZ .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #GipaBSQpYIrNgQGZ .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #GipaBSQpYIrNgQGZ .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #GipaBSQpYIrNgQGZ .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #GipaBSQpYIrNgQGZ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #GipaBSQpYIrNgQGZ .prop-value { margin-top: 0; } #GipaBSQpYIrNgQGZ .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #GipaBSQpYIrNgQGZ .non_featured_list { margin-top: 18px; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #GipaBSQpYIrNgQGZ .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #GipaBSQpYIrNgQGZ .item:nth-child(3n), #GipaBSQpYIrNgQGZ .desktop-bg { background: none; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { padding: 0; } #GipaBSQpYIrNgQGZ .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #GipaBSQpYIrNgQGZ .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #GipaBSQpYIrNgQGZ .disclosure-content ul { padding-left: 14px; line-height: 28px; } #GipaBSQpYIrNgQGZ .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #GipaBSQpYIrNgQGZ .additional-features { flex: 0 0 100%; } #GipaBSQpYIrNgQGZ .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #GipaBSQpYIrNgQGZ.sizeone .listing-header-cntnr { display: none; } #GipaBSQpYIrNgQGZ.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { position: fixed; } } #GipaBSQpYIrNgQGZ.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #GipaBSQpYIrNgQGZ.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #GipaBSQpYIrNgQGZ.listingAlignment .logo-image-wrapper img { width: 100%; } #GipaBSQpYIrNgQGZ.listingAlignment { padding: 0px; } #GipaBSQpYIrNgQGZ.listingAlignment .listing-title { font-size: 14px; } #GipaBSQpYIrNgQGZ.listingAlignment .listing-title span { font-size: 14px; } #GipaBSQpYIrNgQGZ.listingAlignment .row-1 { padding: 26px 10px; } #GipaBSQpYIrNgQGZ.listingAlignment .prop-name { font-size: 10px; } #GipaBSQpYIrNgQGZ.listingAlignment .prop-value { font-size: 14px } #GipaBSQpYIrNgQGZ.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #GipaBSQpYIrNgQGZ.listingAlignment .logo-column.flex-container { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .prop-conatiner { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .ad-copy-column.flex-container { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .cta-column.flex-container { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .disclosure-content ul li::before { content: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .disclosure-content ul li { list-style: disc; } } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #GipaBSQpYIrNgQGZ.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #GipaBSQpYIrNgQGZ.ctaAlignment .cta-column.flex-container { display: block !important; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button { font-size: 16px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #GipaBSQpYIrNgQGZ .sh-no-listing-msg { padding: 20px 0px; } #GipaBSQpYIrNgQGZ .sh-widget-footer-MBT { display: none; } #GipaBSQpYIrNgQGZ.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #GipaBSQpYIrNgQGZ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #GipaBSQpYIrNgQGZ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #GipaBSQpYIrNgQGZ .sh-widget-footer-QS { display: none; } #GipaBSQpYIrNgQGZ.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #GipaBSQpYIrNgQGZ.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #GipaBSQpYIrNgQGZ.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title, #GipaBSQpYIrNgQGZ.customizeColorEffect .prop-name, #GipaBSQpYIrNgQGZ.customizeColorEffect .prop-value, #GipaBSQpYIrNgQGZ.customizeColorEffect .curDate, #GipaBSQpYIrNgQGZ.customizeColorEffect span.current-date, #GipaBSQpYIrNgQGZ.customizeColorEffect .disclosure-content ul li, #GipaBSQpYIrNgQGZ.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #GipaBSQpYIrNgQGZ.customizeColorEffect .add-text, #GipaBSQpYIrNgQGZ.customizeColorEffect .see-more-text, #GipaBSQpYIrNgQGZ.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #GipaBSQpYIrNgQGZ.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #GipaBSQpYIrNgQGZ.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #GipaBSQpYIrNgQGZ.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #GipaBSQpYIrNgQGZ.sizeone.customizeColorEffect .header-section, #GipaBSQpYIrNgQGZ.customizeColorEffect .row-2 { background: #E9F0EC; } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title { display: unset; } #GipaBSQpYIrNgQGZ.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title .prod-name:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .add-text:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .disclosure-contnr .text:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .see-more-text:hover { color: #EB0017; } #GipaBSQpYIrNgQGZ.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #GipaBSQpYIrNgQGZ.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #GipaBSQpYIrNgQGZ.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title { display: block; } #GipaBSQpYIrNgQGZ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #GipaBSQpYIrNgQGZ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #GipaBSQpYIrNgQGZ .sh-right-arrow { display: none; } #GipaBSQpYIrNgQGZ.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #GipaBSQpYIrNgQGZ.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #GipaBSQpYIrNgQGZ.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #GipaBSQpYIrNgQGZ{position:relative;}.add-overlay-content{right: 4%;}#GipaBSQpYIrNgQGZ .shmktpl-button span.btn__text::after{display:none;} #GipaBSQpYIrNgQGZ .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #GipaBSQpYIrNgQGZ .shmktpl-button:hover{background:#0E86DE;} #GipaBSQpYIrNgQGZ .add-text:hover {color:#0E86DE;} #GipaBSQpYIrNgQGZ .listing-title .prod-name:hover{color:#0E86DE;} #GipaBSQpYIrNgQGZ .disclosure-contnr .text:hover{color:#0E86DE;} #GipaBSQpYIrNgQGZ .see-more-text{width:68px} #GipaBSQpYIrNgQGZ .see-more-text:hover{color:#0E86DE;} #GipaBSQpYIrNgQGZ .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }PenFed Credit UnionPenFed Credit UnionChecking accountsStarting at $0 per monthSavings accountsOpen with as little as $5Share certificatesOpen with as little as $25View offerat MoneyLionCompany insightsYear Founded: 1935Company Headquarters: McLean, VACEO: James SchenckWho is PenFed Credit Union good for? PenFed could be a good choice for someone looking for a full-service financial institution that offers all your banking needs under one roof. PenFed issues not just deposit accounts but credit cards, auto loans, mortgages, and more. The credit union is also known for its low APRs on products like credit cards and personal loans. Who shouldn’t use PenFed Credit Union? The APYs for PenFed’s checking, savings, and CDs don’t quite measure up to some top competitors. If your priority is a high return rate across deposit accounts, you may want to look elsewhere. Additionally, PenFed offers considerably fewer branches than banks like Chase. If you value in-person banking, make sure there’s a location near you before you join.N/AProsMembership open to anyoneHigh-yield savings optionFull-service financial institutionConsAPYs not competitive with many top optionsSteep early withdrawal penalty for share certificatesInterest-bearing checking charges a fee (though it can be waived)PenFed Credit Union rates and productsPenFed offers several deposit accounts to help you meet your financial goals, including multiple checking, savings, and share certificate accounts.Checking accountsUp to 0.35% APYSavings accountsUp to 2.70% APYShare certificatesUp to 3.10% APYBank details checked as of Nov. 7, 2025.Checking accountsPenFed members have a couple of options for checking accounts. You can choose between a free checking account option and one that earns interest but comes with (waivable) monthly fees.PenFed Credit Union Free checking account featuresMinimum opening deposit$25Monthly fees$0 –$10Top APY0.35%ATM accessAccess to over 85,000 ATMs through Allpoint & Co-opFree CheckingMinimum opening deposit:$25Monthly fees:$0  APY:N/A Early direct deposit:Yes (up to 2 days early) Checks:YesAccess America CheckingMinimum opening deposit:$25Monthly fees:$10 (waived with a monthly $500+ direct deposit or a daily balance of $500+) APY:Up to 0.35% Balances of $25 – $19,999— 0.15% Balances of $20,000 – $50,000— 0.35% Early direct deposit:Yes (up to 2 days early) Checks:YesBank details checked as of Nov. 7, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare1 ResultsProduct DescriptionsTop PickSoFi® : Checking and Savings AccountMember FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Annual Percentage Yield 0.50% as of 12/12/2025Monthly Fees$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. 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position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #tYggxiaTHaNarhsM input.chk-btn + label { padding: 10px 11px; } #tYggxiaTHaNarhsM .check-elem { margin: 3px; } #tYggxiaTHaNarhsM.minFilter .check-elem.annuity { display: none !important; } #tYggxiaTHaNarhsM.minFilter .check-elem.businesschecking { display: none !important; } #tYggxiaTHaNarhsM.minFilter .check-elem.view-btn { display: none; } #tYggxiaTHaNarhsM.minFilter input.chk-btn + label { padding: 10px 11px; } #tYggxiaTHaNarhsM .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #tYggxiaTHaNarhsM input.chk-btn + label { padding: 10px 8px; } #tYggxiaTHaNarhsM.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #tYggxiaTHaNarhsM input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #tYggxiaTHaNarhsM.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #tYggxiaTHaNarhsM .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #tYggxiaTHaNarhsM.loadingMessage .sh-loading-msg { display: block; } #tYggxiaTHaNarhsM.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #tYggxiaTHaNarhsM .sh-loading-msg { font-size: 18px; } } #tYggxiaTHaNarhsM .mobile { display: none; } #tYggxiaTHaNarhsM .sh-hide { display: none; } #tYggxiaTHaNarhsM .desktop { display: block; } #tYggxiaTHaNarhsM .desktop-inline { display: inline-block; } #tYggxiaTHaNarhsM .row-1, #tYggxiaTHaNarhsM .row-2 { display: flex; } #tYggxiaTHaNarhsM .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #tYggxiaTHaNarhsM .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #tYggxiaTHaNarhsM .row-2 .listing-description { padding: 24px 23px; width: 100%; } #tYggxiaTHaNarhsM .logo-image-wrapper { margin: auto; width: 196px; } #tYggxiaTHaNarhsM .logo-column { display: flex; align-items: center; } #tYggxiaTHaNarhsM .logo-image-wrapper img { width: 100%; height: auto; } #tYggxiaTHaNarhsM .ad-copy { margin-left: 24px; } #tYggxiaTHaNarhsM .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #tYggxiaTHaNarhsM .listing-description .disclosure-content { margin-top: 0px; } #tYggxiaTHaNarhsM .logo-column.flex-container { flex: 0 0 20%; } #tYggxiaTHaNarhsM .top-section-right { margin-left: 5px; } #tYggxiaTHaNarhsM .ad-copy-column.flex-container { flex: 0 0 78%; } #tYggxiaTHaNarhsM .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #tYggxiaTHaNarhsM .ad-copy { margin-left: 24px; } #tYggxiaTHaNarhsM .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #tYggxiaTHaNarhsM .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #tYggxiaTHaNarhsM .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #tYggxiaTHaNarhsM .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #tYggxiaTHaNarhsM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #tYggxiaTHaNarhsM .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #tYggxiaTHaNarhsM .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; justify-self: end; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #tYggxiaTHaNarhsM .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #tYggxiaTHaNarhsM .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #tYggxiaTHaNarhsM .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #tYggxiaTHaNarhsM .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #tYggxiaTHaNarhsM .disclosure-contnr { text-align: center; } #tYggxiaTHaNarhsM .listing-header-cntnr { margin-top: 34px; } #tYggxiaTHaNarhsM .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #tYggxiaTHaNarhsM .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #tYggxiaTHaNarhsM .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #tYggxiaTHaNarhsM .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 10px; } #tYggxiaTHaNarhsM .apy-label { font: normal normal 900 24px/28px Roboto; } #tYggxiaTHaNarhsM .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #tYggxiaTHaNarhsM .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #tYggxiaTHaNarhsM .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #tYggxiaTHaNarhsM .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #tYggxiaTHaNarhsM .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #tYggxiaTHaNarhsM .additional-content { margin-top: 0px !important; } #tYggxiaTHaNarhsM .additional-content ul li { margin-bottom: 0; } #tYggxiaTHaNarhsM .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #tYggxiaTHaNarhsM .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #tYggxiaTHaNarhsM .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #tYggxiaTHaNarhsM .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #tYggxiaTHaNarhsM .shArrow { width: 12px; height: 7px; } #tYggxiaTHaNarhsM span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #tYggxiaTHaNarhsM .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #tYggxiaTHaNarhsM .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #tYggxiaTHaNarhsM #see_more_carrier, #tYggxiaTHaNarhsM .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #tYggxiaTHaNarhsM .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #tYggxiaTHaNarhsM .apy-label p { margin-top: 0px; margin-bottom: 0px; } #tYggxiaTHaNarhsM .disclosure-content ul { padding-left: 18px; } @media (min-device-width : 651px) and (max-device-width : 1023px) { #tYggxiaTHaNarhsM { padding: 0 26px; } #tYggxiaTHaNarhsM .logo-image-wrapper { width: 136px; } #tYggxiaTHaNarhsM .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #tYggxiaTHaNarhsM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #tYggxiaTHaNarhsM .prop-value-container .apy-container { flex: 0 0 44%; } #tYggxiaTHaNarhsM .prop-value-container .mfee-container, #tYggxiaTHaNarhsM .prop-value-container .minvalue-container { flex: 0 0 28%; } #tYggxiaTHaNarhsM .ad-copy-top-section { margin-bottom: 15px; } #tYggxiaTHaNarhsM .sh-row-product-title { max-width: 136px; } #tYggxiaTHaNarhsM .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #tYggxiaTHaNarhsM .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #tYggxiaTHaNarhsM .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #tYggxiaTHaNarhsM .logo-image-wrapper { width: 100%; max-width: 292px; } #tYggxiaTHaNarhsM .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #tYggxiaTHaNarhsM .ad-copy { margin-left: 0; } #tYggxiaTHaNarhsM .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #tYggxiaTHaNarhsM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #tYggxiaTHaNarhsM .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #tYggxiaTHaNarhsM .see-more-text { padding: 16px 15px; } #tYggxiaTHaNarhsM .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #tYggxiaTHaNarhsM .top-section-right { margin-left: 0px; } #tYggxiaTHaNarhsM .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #tYggxiaTHaNarhsM.sizeone .header-section { padding: 6px 10px; } } #tYggxiaTHaNarhsM.sh-box650.device-desktop .row-1 { padding-left: 14px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box700.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box750.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box800.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box850.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box900.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box700.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box750.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box800.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box850.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box900.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box700.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box750.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box800.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box850.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box900.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box700.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box750.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box800.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box850.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box900.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box750.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box800.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box850.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box900.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box750.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box800.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box850.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box900.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box950.device-desktop .prop-value-container .mfee-container #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box750.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box800.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box850.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box900.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box700.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box750.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box800.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box850.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box900.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box700.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box750.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box800.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box850.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box900.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box700.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box750.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box800.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box850.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box900.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width : 767.5px) { #tYggxiaTHaNarhsM.sh-box650.device-desktop .row-1, #tYggxiaTHaNarhsM.sh-box700.device-desktop .row-1 , #tYggxiaTHaNarhsM.sh-box650.device-desktop .row-2, #tYggxiaTHaNarhsM.sh-box700.device-desktop .row-2 , #tYggxiaTHaNarhsM.sh-box500.device-desktop .row-1, #tYggxiaTHaNarhsM.sh-box550.device-desktop .row-1 , #tYggxiaTHaNarhsM.sh-box500.device-desktop .row-2, #tYggxiaTHaNarhsM.sh-box550.device-desktop .row-2{ display: unset; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box700.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box550.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box700.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box550.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box500.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value, #tYggxiaTHaNarhsM.sh-box550.device-desktop .prop-value, #tYggxiaTHaNarhsM.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box700.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box550.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#tYggxiaTHaNarhsM.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#tYggxiaTHaNarhsM.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#tYggxiaTHaNarhsM.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #tYggxiaTHaNarhsM .shmktpl-title, #tYggxiaTHaNarhsM .sub-heading-container, #tYggxiaTHaNarhsM .filter-check-options-cntnr, #tYggxiaTHaNarhsM .listing-header-cntnr { display: none; } #tYggxiaTHaNarhsM.title .shmktpl-title, #tYggxiaTHaNarhsM.subHeading .sub-heading-container, #tYggxiaTHaNarhsM.multiSelectFilter .filter-check-options-cntnr, #tYggxiaTHaNarhsM.resultsText .listing-header-cntnr { display: flex; } #tYggxiaTHaNarhsM.sizeone .add-overlay-content { width: 62%; height: auto; } #tYggxiaTHaNarhsM.sizeone .disclosure-title { padding: 6px 0px; } #tYggxiaTHaNarhsM.sizeone .header-section { padding: 6px 24px; background: #FFFFFF; color: grey; align-items: center; } #tYggxiaTHaNarhsM .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #tYggxiaTHaNarhsM.sizeone .title-container { margin-top: 0; } #tYggxiaTHaNarhsM.sizeone .non_featured_list { margin-top: 0; } #tYggxiaTHaNarhsM.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #tYggxiaTHaNarhsM.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #tYggxiaTHaNarhsM .item { flex: 1 1 calc(50% - 48px); } #tYggxiaTHaNarhsM .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #tYggxiaTHaNarhsM .item:nth-of-type(4n+3), #tYggxiaTHaNarhsM .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #tYggxiaTHaNarhsM .item:nth-of-type(4n+1), #tYggxiaTHaNarhsM .item:nth-of-type(4n+1) + * { background-color: #fff; } #tYggxiaTHaNarhsM .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #tYggxiaTHaNarhsM .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #tYggxiaTHaNarhsM .desktop, #tYggxiaTHaNarhsM .desktop-inline { display: none; } #tYggxiaTHaNarhsM .mobile { display: block !important; } #tYggxiaTHaNarhsM { padding: 0 18px; } #tYggxiaTHaNarhsM .shmktpl-title { font-size: 24px; line-height: 29px; } #tYggxiaTHaNarhsM .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #tYggxiaTHaNarhsM .add-overlay-content { width: 80%; height: auto; } #tYggxiaTHaNarhsM .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #tYggxiaTHaNarhsM .row-1 { flex-flow: column; padding: 16px; } #tYggxiaTHaNarhsM .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #tYggxiaTHaNarhsM .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #tYggxiaTHaNarhsM .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #tYggxiaTHaNarhsM .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #tYggxiaTHaNarhsM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #tYggxiaTHaNarhsM .prop-value { margin-top: 0; } #tYggxiaTHaNarhsM .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #tYggxiaTHaNarhsM .non_featured_list { margin-top: 18px; } #tYggxiaTHaNarhsM .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #tYggxiaTHaNarhsM .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #tYggxiaTHaNarhsM .item:nth-child(3n), #tYggxiaTHaNarhsM .desktop-bg { background: none; } #tYggxiaTHaNarhsM .prod-desc-popup-content { padding: 0; } #tYggxiaTHaNarhsM .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #tYggxiaTHaNarhsM .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #tYggxiaTHaNarhsM .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #tYggxiaTHaNarhsM .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #tYggxiaTHaNarhsM .disclosure-content ul { padding-left: 14px; line-height: 28px; } #tYggxiaTHaNarhsM .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #tYggxiaTHaNarhsM .additional-features { flex: 0 0 100%; } #tYggxiaTHaNarhsM .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #tYggxiaTHaNarhsM.sizeone .listing-header-cntnr { display: none; } #tYggxiaTHaNarhsM.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #tYggxiaTHaNarhsM .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #tYggxiaTHaNarhsM .prod-desc-popup-content { position: fixed; } } #tYggxiaTHaNarhsM.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #tYggxiaTHaNarhsM.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #tYggxiaTHaNarhsM.listingAlignment .logo-image-wrapper img { width: 100%; } #tYggxiaTHaNarhsM.listingAlignment { padding: 0px; } #tYggxiaTHaNarhsM.listingAlignment .listing-title { font-size: 14px; } #tYggxiaTHaNarhsM.listingAlignment .listing-title span { font-size: 14px; } #tYggxiaTHaNarhsM.listingAlignment .row-1 { padding: 26px 10px; } #tYggxiaTHaNarhsM.listingAlignment .prop-name { font-size: 10px; } #tYggxiaTHaNarhsM.listingAlignment .prop-value { font-size: 14px } #tYggxiaTHaNarhsM.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #tYggxiaTHaNarhsM.listingAlignment .logo-column.flex-container { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .prop-conatiner { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .ad-copy-column.flex-container { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .cta-column.flex-container { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .disclosure-content ul li::before { content: unset; } #tYggxiaTHaNarhsM.listingAlignment .disclosure-content ul li { list-style: disc; } } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #tYggxiaTHaNarhsM.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #tYggxiaTHaNarhsM.ctaAlignment .cta-column.flex-container { display: block !important; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button { font-size: 16px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #tYggxiaTHaNarhsM .sh-no-listing-msg { padding: 20px 0px; } #tYggxiaTHaNarhsM .sh-widget-footer-MBT { display: none; } #tYggxiaTHaNarhsM.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #tYggxiaTHaNarhsM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #tYggxiaTHaNarhsM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #tYggxiaTHaNarhsM .sh-widget-footer-QS { display: none; } #tYggxiaTHaNarhsM.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #tYggxiaTHaNarhsM.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #tYggxiaTHaNarhsM.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { min-width: 440px; height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #2c93e4; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 12px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #1d70b1; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #2c93e4; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 10px; } } @media (max-width : 767px) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; height: auto !important; min-width: 100% !important; padding: 8px 9px; margin-bottom: 8px; box-sizing: content-box; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 12px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #546F8E; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } } } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title, #tYggxiaTHaNarhsM.customizeColorEffect .prop-name, #tYggxiaTHaNarhsM.customizeColorEffect .prop-value, #tYggxiaTHaNarhsM.customizeColorEffect .curDate, #tYggxiaTHaNarhsM.customizeColorEffect span.current-date, #tYggxiaTHaNarhsM.customizeColorEffect .disclosure-content ul li, #tYggxiaTHaNarhsM.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #tYggxiaTHaNarhsM.customizeColorEffect .add-text, #tYggxiaTHaNarhsM.customizeColorEffect .see-more-text, #tYggxiaTHaNarhsM.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #tYggxiaTHaNarhsM.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #tYggxiaTHaNarhsM.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #tYggxiaTHaNarhsM.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #tYggxiaTHaNarhsM.sizeone.customizeColorEffect .header-section, #tYggxiaTHaNarhsM.customizeColorEffect .row-2 { background: #E9F0EC; } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title { display: unset; } #tYggxiaTHaNarhsM.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title .prod-name:hover, #tYggxiaTHaNarhsM.customizeColorEffect .listing-title:hover, #tYggxiaTHaNarhsM.customizeColorEffect .add-text:hover, #tYggxiaTHaNarhsM.customizeColorEffect .disclosure-contnr .text:hover, #tYggxiaTHaNarhsM.customizeColorEffect .see-more-text:hover { color: #EB0017; } #tYggxiaTHaNarhsM.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #tYggxiaTHaNarhsM.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #tYggxiaTHaNarhsM.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title { display: block; } #tYggxiaTHaNarhsM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #tYggxiaTHaNarhsM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #tYggxiaTHaNarhsM .sh-right-arrow { display: none; } #tYggxiaTHaNarhsM.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #tYggxiaTHaNarhsM.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #tYggxiaTHaNarhsM .listing-content-wrapper .disclosure-content a { color: #1C96F0; text-decoration: underline; } #tYggxiaTHaNarhsM .add-overlay-content {right: 4%;top: 0%;}#tYggxiaTHaNarhsM .shmktpl-button span.btn__text::after{display:none;} @media (min-width:768px){ #tYggxiaTHaNarhsM .shmktpl-button:hover{background:#0E86DE;} #tYggxiaTHaNarhsM .add-text:hover {color:#0E86DE;} #tYggxiaTHaNarhsM .listing-title .prod-name:hover{color:#0E86DE;} #tYggxiaTHaNarhsM .disclosure-contnr .text:hover{color:#0E86DE;} #tYggxiaTHaNarhsM .see-more-text{width:68px} #tYggxiaTHaNarhsM .see-more-text:hover{color:#0E86DE;} #tYggxiaTHaNarhsM .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsPenFed offers one basic savings account and one high-yield savings account to boost your earnings. Predictably, the high-yield account earns interest at a substantially more generous rate than the basic one.Joining PenFed starts with opening a savings account and making a minimum deposit of at least $5 .It’s also worth noting that PenFed offers an IRA savings account requiring a minimum $25 opening deposit.PenFed Credit Union savings account featuresMinimum opening deposit$5Monthly fees$0Top APY0.05%–2.70%Monthly transfer limitUnlimitedBank details checked as of Nov. 7, 2025.Regular SavingsMinimum opening deposit:$5Monthly fees:$0  APY:0.05% Monthly transfer limit:Unlimited ATM card:Yes Premium Online SavingsMinimum opening deposit:$5Monthly fees:$0APY:2.70%Monthly transfer limit:Unlimited ATM card:Yes Bank details checked as of Nov. 7, 2025.Share certificatesIf you’re after the highest returns and willing to keep your savings on deposit longer, PenFed offers several share certificates that are more generous than what’s offered from its savings account. Just keep in mind that there are early withdrawal penalties for withdrawing your money before your account matures—so it’s higher stakes than a savings account. PenFed issues three types of share certificates with unique terms, return rates, minimum opening deposits, and early withdrawal penalties.PenFed Credit Union share certificatesMinimum opening deposit$500 –$1,000Term lengths6, 12, 15, 18, 24, 36, 48, 60, 84 monthsAPYUp to 3.90%Early withdrawal penaltiesUnlimitedMoney market share certificates Of all PenFed share certificates, its money market options provide the highest APY and the most freedom when it comes to term lengths. They require a $1,000 opening deposit. PenFed Credit Unionmoney market share certificate featuresMinimum opening deposit$1,000Term lengths6, 12, 15, 18, 24, 36, 48, 60, 84 monthsAPY2.70%-3.10%Early withdrawal penalties– Terms of 6 months or 182 days: Loss of most recent 90 days of dividends earned – Terms of 12, 15, 18, 24, 36, 48, 60, and 84 months: Within 365 days of account opening, a penalty of the last 365 days of dividends earned; after 365 days from account opening, 30% of gross amount of dividends had the account reached maturityPenFed money market share certificate ratesTerm lengthAPY6 months2.70%12 months3.10%15 months3.10%18 months3.10%24 months3.00%36 months3.00%48 months2.90%60 months2.90%84 months2.90%6 monthsAPY2.70%12 monthsAPY3.10%15 monthsAPY3.10%18 monthsAPY3.10%24 monthsAPY3.00%36 monthsAPY3.00%48 monthsAPY2.90%60 monthsAPY2.90%84 monthsAPY2.90%Bank details checked as of Nov. 7, 2025.Individual retirement account (IRA) share certificates PenFed gives you the option to choose between a traditional, Roth, or Simplified Employee Pension (SEP) IRA CD. PenFed enforces its own early withdrawal penalties—and so does the IRS—for those that take an IRA distribution before age 59 ½. If you’re at or above this age, you can take partial withdrawals without penalty. To open an IRA share certificate, you’ll need to download the appropriate form (based on whether you’re new to PenFed, you’ve got a current IRA you’d like to transfer, or if you have current PenFed IRA funds you’re trying to convert into an IRA certificate), and then upload them to the site. You can also mail or fax the form. PenFed Credit Union IRA share certificate featuresMinimum opening deposit$1,000Term lengths1, 2, 3, 4, 5, 7 yearsAPYUp to 3.00%Early withdrawal penalties– If withdrawn within the first year: All dividends forfeited – If withdrawn after the first year: 30% of earnings had the certificate been held to maturity (capped at your total dividends earned)  * No penalty applied if the account holder is at least 59 ½PenFed IRA share certificate rates Term lengthAPY12 months3.00%24 months2.90%36 months2.90%48 months2.80%60 months2.80%84 months2.80%12 monthsAPY3.00%24 monthsAPY2.90%36 monthsAPY2.90%48 monthsAPY2.80%60 monthsAPY2.80%84 monthsAPY2.80%Bank details checked as of Nov. 7, 2025.Coverdell Education Savings share certificates PenFed’s service-fee-free Coverdell Education Savings share certificates are a tax-free way to save for school. They’ve got a lower minimum opening deposit requirement of $500 —but a maximum contribution limit of $2,000 per year. To open this account, you’ll have to call PenFed at 800-247-5626 or visit a branch. Alternatively, you can download a form online and upload or mail it.PenFed Credit Union Coverdell Education Savings share certificate featuresMinimum opening deposit$500Term lengths1, 2, 3, 4, 5, 7 yearsAPY2.80%–3.00%Early withdrawal penalties30% of what would have been earned if the account reached maturity (capped at total dividends earned)PenFed Coverdell Education Savings share certificate rates Term lengthAPY12 months3.00%24 months2.90%36 months2.90%48 months2.80%60 months2.80%84 months2.80%12 monthsAPY3.00%24 monthsAPY2.90%36 monthsAPY2.90%48 monthsAPY2.80%60 monthsAPY2.80%84 monthsAPY2.80%Bank details checked as of Nov. 7, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Other services PenFed Credit Union offersIn addition to its healthy selection of deposit accounts, PenFed offers products and services such as: Credit cards:PenFed offers several credit cards with low or no annual fees and extremely reasonable APRs. Auto loans:Members can secure auto financing or refinance an existing loan and purchase protection, such as guaranteed asset protection (GAP) coverage. Mortgages:In addition to conventional mortgages, PenFed is also a lender of Federal Housing Administration (FHA), Veterans Affairs (VA), and jumbo loans. It also offers refinancing and home equity lines of credit. Personal loans:PenFed offers personal loans with terms of up to 60 months. Student loans:Students can borrow funds to pay for college and refinance existing student loans. Online banking You can use PenFed’s online banking and mobile app to deposit checks, set travel alerts, review account transactions, check the status of a loan or credit card, make payments, transfer funds, and more. The PenFed Credit Union platform and customer supportCustomers can access a robust online banking platform through PenFed’s mobile app, which has a rating of 4.8 stars in the Apple App Store and 4.5 stars on Google Play across well over 60,000 reviews. PenFed customer service operates from Monday to Saturday between 8 a.m. and 8 p.m. Eastern Time. You can reach a representative by phone at 800-247-5626. If you need to contact a PenFed representative, representatives are available by phone Monday through Saturday from 8 a.m. to 8 p.m. Eastern Time. You can also fill out an online form to schedule a call or use the online chat feature at the bottom of the contact page. Is PenFed Credit Union secure?PenFed works in a variety of ways to keep your information secure, including the implementation of multi-factor authentication, security alerts, and the ability to track login activity. The credit union is also covered by the National Credit Union Administration (NCUA), insuring up to $250,000 per account holder per ownership category. PenFed Credit Union user reviewsBanks and credit unions tend to receive poor online reviews. That’s because a disgruntled customer is more likely to write a review than a customer who experienced no issues. With that in mind, PenFed receives a more than respectable 3.8 stars on Trustpilot. Customers rave about the excellent customer service and willingness to forgive fees. Others complain about occasional IT glitches, such as with its website, bill payment feature, and Zelle. On forums like Reddit, users also have great things to say about PenFed’s customer service and overall lack of issues. Compare PenFed Credit Union alternativesPenFed is a strong choice for someone who wants to keep all their banking under one umbrella. But, it doesn’t always offer the highest rates on the market. Alliant Credit Union and SoFi are two institutions worth a look for those seeking to maximize interest earnings.PenFed Credit UnionSoFi®Member FDICAlliant Credit UnionTop savings APYTop savings APYTop savings APY2.70%Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.10%Top checking APYTop checking APYTop checking APY0.35%0.50%0.25%Top CD APYTop CD APYTop CD APY3.10%N/A4.10%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat SoFiView offerat MoneyLionBank details checked as of Nov. 7, 2025.Is PenFed Credit Union right for you?PenFed offers a wide range of products, making it ideal for those interested in having all accounts at the same institution. Its customer service hours are also abnormally lengthy, as representatives are available 12 hours per day, six days a week. That said, its savings and share deposit APYs don’t always compete with what you can find at many online banks—and its mobile apps leave room for improvement. Again, if you’re interested in in-person banking, make sure you’ve got a PenFed branch near you before enrolling; they’re far from ubiquitous. Frequently asked questionsWho can join PenFed Credit Union?PenFed’s membership is open to anyone in the U.S. by opening a savings account and depositing at least $5.Does PenFed have free checking accounts?Yes, PenFed offers one checking account with no minimum balance requirement and no monthly fees.What is the minimum deposit to open a PenFed account?You’ll need to deposit at least $5 to open a PenFed savings account, $25 to open a free checking account, and between $500 and $1,000 to open a PenFed share certificate account.How many ATMs does PenFed have?PenFed states that it has more than 85,000 fee-free ATMs.Is PenFed FDIC-insured?No. PenFed is a credit union, which is insured by an entity called the National Credit Union Administration (NCUA). You’ll be covered for $250,000 per account holder per ownership category—similar to the FDIC.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. 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Travel 2025-12-06 07:34:59

Four weekend escapes within reach of Paris

1.Le DoyennéSaint-Vrain, Île-de-FranceDistance from Paris:47kmMode of transport:CarTime spent travelling:About an hourDirection:SouthLe DoyennéGreenhouse effectAussie chefs James Henry and Shaun Kelly made a name for themselves in the restaurants of Paris. But after years in the kitchen, they turned to growing organic vegetables on their farm in Saint-Vrain. Housed in a lovingly restored barn, Le Doyenné opened as a restaurant and guesthouse in 2022 and has had a fine following ever since. Inside the restaurant, glass-paned walls provide views of the garden.Head of the tableIn full bloomThe menus change with the seasons, starring the likes of raw peas in spring and juicy tomatoes in summer. “What works one week won’t work the next,” Henry tells Monocle. “But when we came here our aim was to be self-sufficient and express ourselves.”ledoyennerestaurant.com2.Le BarnBonnellesDistance from Paris:49kmMode of transport:CarTime spent travelling:Less than an hourDirection:SouthwestPond lifeThe main lobby of Le Barn, a 73-room hotel southwest of Paris, doesn’t have a reception desk or a grand sweeping staircase but rather a wooden shelf, lined with Aigle wellies. The sight sets the scene for a stay at this rural retreat. It is nestled amid a sprawling 200 hectare site, complete with paddocks, a vegetable garden and a pond.Le Barn opened in 2018 and has become a favourite weekend getaway for Parisians. Guests typically arrive on Friday afternoon in time for goûter or apéro but it’s on Saturday mornings that the place really comes to life. Outdoor yoga classes are held beside the pond and weekend plans are made over breakfast on the verdant terrace.Rider and studBoot campRather uniquely, the hotel is nestled within Le Haras de la Cense, a distinguished stud farm. Other hotels in the region boast luxurious château settings but this one offers the chance to immerse yourself in nature and get up close and personal with the site’s horses.“We didn’t want to block off access to the stables or riding arena,” says Franco-American entrepreneur William Kriegel. “The routes are the same for everyone, whether you’re a hotel guest or a student at the Haras de la Cense.”Kriegel bought the estate in 1980. His decision to expand the stud farm into a hotel came from his desire to offer an innovative hotel concept that was an alternative to the country house, while still offering a closeness to nature.Serene guest room at Le BarnOn-site garden“The aim was to create a place with a countryside feeling,” Kriegel tells Monocle. “I wanted to have simple architecture and use humble materials.” So, he teamed up with Antoine Ricardou of Parisian design agency Saint-Lazare to devise Le Barn’s aesthetic. After an influential research trip to Montana, the look and feel of the hotel took shape. Many of the bedrooms are arranged in two bright-red barn-like structures with walls clad in cork and wood; meanwhile, a custom-built tiled stove warms the lobby. “US ranch culture was a major inspiration but we were conscious of avoiding anything that would look too faux Western,” says Kriegel. And, though guests have the opportunity to book outings on horseback and pony rides for children, the hotel is just as suited for cycling enthusiasts, hikers or those seeking to do very little.lebarnhotel.com3.D’une îleRémalardDistance from Paris:160kmMode of transport: CarTime spent travelling:Over two hoursDirection:Southwest, towards the Perche Regional Natural Park.Meet the team“We have borrowed from the codes of classic hospitality,” says D’une île’s co-owner Théophile Pourriat. “But our vision is more relaxed: we simply host in the way that we like to be hosted.” While a lot of care is put into offering a personalised service, D’une île is doing away with many amenities that are traditionally associated with hotel stays, such as a porter or zippy wi-fi; even mobile phone coverage is unavailable. True to the inn’s rural setting – in the Perche National Park – the 10 guest rooms feature rustic decor that appeals to urban sensibilities but doesn’t clash with the historical facets of the 17th-century former farmhouse.“We describe D’une île not as a hotel but as our maison de campagne,” says Pourriat. Together with his business partner, Bertrand Grébaut, Pourriat is better known in hospitality circles as the co-founder of Septime, a Michelin-starred restaurant on Paris’s Rue de Charonne. Branching out from drinking and dining wasn’t something that the duo had previously considered. But after staying at D’une île a number of times, they decided to take over in 2018. In Paris they were used to daily changing clientele, here they have more time to finesse the guest experience. Food, of course, is central to D’une île; it’s more a restaurant with rooms than rooms with a restaurant.D’une île’s rustic charmCosy hearthPourriat and Grébaut put a lot of care into distilling the region into their cooking rather than infusing the countryside with Paris. Running a rural inn means that they can anchor themselves in the community and forge close relationships with producers. In the city, they relied on a network that stretched the length and breadth of France. All of the ingredients on the vegetable-centric menu at D’une île are from local farms and markets. Most of the fruit and vegetables are grown in the on-site garden and the fish comes from the Chausey Islands. Kitchen staples such as olive oil and lemons are replaced by Perche rapeseed oil and vinegar. “Whether the way we do things is the future of hospitality is unclear; there will always be space for palatial hotels where everything is available at all times,” says Pourriat. “But for us, this close-to-nature approach is fundamental to who we are as restaurateurs.”duneile.com4.Tuba ClubLes Goudes, MarseilleDistance from Paris:786kmMode of transport:TrainTime spent travelling:Five hoursDirection:Make for Marseille by rail then hop in a cabTuba Club’s no-frills interiorsSince opening in 2020, Tuba Club in Les Goudes, a pretty fishing village just south of Marseille proper, has quickly become a summer institution in France’s second city. Founders Greg Gassa, an entrepreneur, and film producer Fabrice Denizot saw the potential of this no-frills former swimming club. They lured a smart, younger crowd to soak up the laidback atmosphere amid dramatic rocks and lemon-andcream-hued loungers. The founders tapped their childhood friend, architect Marion Mailaender, to take the bones of a bathing club and create something to match Marseille’s sultry summer mood. The brief? A friendly space that riffs on Le Corbusier’s wooden cabin at Roquebrune-CapMartin and the fetching bar that neighbours them, L’Étoile de Mer. In 2023, Tuba Club added a new villa to its five fuss-free Cabanon-style huts, providing an ideal platform to dive into resident chef Sylvain Roucayrol’s excellent cookery.Let’s dive!Rocking outtuba-club.com

Travel 2025-12-21 10:26:24

Late-night tables: Seven after-hours dining hotspots

When the city quiets and the shutters come down, the bestlate night restaurants are just getting into their stride. Far from greasy spoons or after-hours diners, these are refined addresses where you can still find a crisp tablecloth, an elegant glass of wine and service that never rushes you out the door. Whether it’s a brasserie in Paris serving scallops at midnight, or a Manhattan dining room that hums into the small hours, these spots prove that dinner can – and sometimes should – begin long after dark.1.The cinematic stop-outLe Grand ColbertParisDon’t let its old façade fool you – Le Grand Colbert’s best days are ahead of it. This spot, just north of Palais Royal, is one of the most fêted brasseries in a city that’s brimming with great places to break bread. When Monocle pays a visit, there’s an appreciative hum during evening service and a fleet of smart waiters clip across the floor and between busy tables.The building dates to 1828 and has had many lives, including becoming a restaurant – a bouillon – in 1900. The current owner, businessman Joel Fleury, took over in 1992. The architecture is a draw: soaring ceilings, mirrors, a mosaic floor and sculpted pilasters all in the pleasing curves of art nouveau. If it all looks a little familiar, it’s perhaps because the dining room has lent that grandeur to several films and TV series, including the 2003 Hollywood hit Something’s Gotta Give with Diane Keaton, Jack Nicholson and Keanu Reeves (shot at table 29).But film credits and finery only count for so much when tummies start to rumble. People still come to this hallowed dining hall for one reason: to eat. Service here runs from midday to midnight and in a relative rarity for such a traditional joint, it is – as the neon sign outside reads in pleasing Anglo-French – “non-stop” (as in not broken up into sittings).Chef Fabrice Cornée uses seasonal produce to prepare classic French cuisine with a modern twist. But the result is anything but anodyne: just-so sole meunière, tender coquilles St Jacques (scallops) or blanquette de veau (veal stew) are all the tastier – and yes, perhaps a little cinematic – when consumed under the establishment’s golden lights and fluttering palm fronds. legrandcolbert.comYear founded: 1900Number of covers: 110Best dish: Free-range chicken roasted in thyme. The morel-stuffed sea bass within a puff pastry crust is a close second.Drink to order: Room 64 cocktail (champagne, lime, raspberry liqueur and a rosemary sprig).Interesting fact: It’s a popular filming location. If you can’t visit, you could see the place as a backdrop in French espionage thriller The Bureau.Best table: If you’re making a statement then number 46, which is in the middle of the restaurant. Numbers 24 and 58 are the quietest.2.The whimsical wonderBemelmansNew YorkIn the late 1940s, Ludwig Bemelmans, the US writer and illustrator of the beloved Madeline children’s book series, made a deal with a friend. In exchange for a protracted stay at the swanky Carlyle Hotel on the Upper East Side (of which his friend was fortuitously the manager), Bemelmans agreed to paint the walls of the hotel’s new bar. He opted for a fantastical depiction of nearby Central Park –giraffes with parasols, besuited bunnies and even an appearance by the famous Madeline character and her school chums. The murals remain vibrant to this day and add a touch of whimsy to the sumptuous, leather-and-wood snug that still bears Bemelmans’ name.If you can snag a table (walk-ins are welcome, though there is sometimes a queue) then come hungry. The bar fare is no-nonsense and decadent: caviar, oysters, charcuterie and cheese, plus finger foods such as beef sliders, mini tuna tacos and andouille sausage pigs-in-a-blanket.Bemelmans has accomplished a rare feat: staying perpetually popular while preserving the charm and atmosphere that made it so irresistible to late-night patrons when it first opened in 1947. The glamour is understated, the red-jacketed bartenders discreet and the martinis stiff. There is live music every day until closing – Emmy Award-winning pianist Earl Rose’s weekly performances are a treat – and on raucous nights guests have been known to crowd around the Steinway and join in.35 E 76th Street, New York, NY 10021Year founded: 1947Number of covers: 87Best dish: The complimentary trio of bar snacks served on a silver stand.Drink to order: An ice-cold martini served with a classic sidecar.Interesting fact: The bar is named after Ludwig Bemelmans, the creator of the Madeline children’s books, and the walls are adorned with his hand-painted murals.Best table: A spot at the bar, where the red-jacketed bartenders are always within earshot.3.The trusty trattoriaRosy e Gabriele 1MilanAs bars and restaurants come and go in Milan’s Porta Venezia, Rosy e Gabriele 1 remains, well, number one for late-night dining. Established in 1967 (at one point there was a second, hence the name), the trattoria has been run by a Serbian-Montenegrin family for four decades. The restaurant, which opens for lunch and dinner, is marshalled by brothers Cedo and Cuca Mikic, with the all-male waitstaff entirely made up of family members.The restaurant has a timeless and slightly kitschy air. There are paintings of Rome and Pisa on the walls, a world map above the fish fridge and a hanging wooden Montenegrin insignia, with a wolf in its centre, which was gifted to Cedo. There are brightish lights – the true mark of an old-school joint in these parts – and 1980s and 1990s Italian ballads on the stereo. The large dining room is busy on the Thursday night when Monocle visits, as patrons drink wine and plump for something from a menu of some 300 dishes, featuring everything from fish crudo to pizza. The piano at the far end of the bar is regularly tinkered on in the wee hours by a maestro from La Scala.One thing that’s kept Rosy e Gabriele lively is the diverse crowd. When Monocle visits, a politician is here, as well as a group of footballers. An architect takes a pew at the same table that he’s been eating at for the past 40 years and by 22.30 several young fashionistas sit down. There’s an air of bravado about the crowd that’s echoed in the owners’ pride in the place. “All the most famous people have come here – actors, politicians, sports stars,” says Cedo. “Maradona was here.” Yet he seems a little saddened that people aren’t dining as late as they once did. “Before the pandemic, people would eat here at 02.30 like it was 20.30,” he says. Still, he adds, there’s no problem showing up at the restaurant at midnight. “Just give us a call.” 26 Via Giuseppe Sirtori; 139 02 2952 5930Year founded: 1967Number of covers: 180Food served until: 01.00Best dishes: Lobster spaghetti, Grand Plateau Royal of crudo or pizza.Drink to order: There’s a 1971 Barbaresco from Angelo Gaja that the restaurant claims is the only bottle in Europe.Interesting fact: The courtyard out back and the next-door stables once housed trams and the horses that pulled them.4.Good for a yarnSnob BarLisbonIt’s a new era for Snob Bar but thankfully one marked by little obvious change to this legendary Lisbon restaurant. “My goal is to keep things as they’ve always been,” says Miguel Garcia, who took over the Lisbon address last year from its previous owners’ 50-year custody with a promise of safekeeping and continuity. “There are places that simply cannot disappear. They are part of a city’s history.”Opened in 1964, Snob belongs to a special strain of establishments known for a discreet, closed-door policy, behind which lie dimly lit wood-panelled interiors and the possibility of late-night dining. Founded by an illustrator at the O Século newspaper (whose newsroom was nearby but shut in 1977), Snob continues to draw in a clientele of journalists, writers and politicians. “We want Snob to remain primarily a Portuguese house, with regulars who recommend it to the new generations through word of mouth,” says Garcia.The intimate decor of red carpet, leather seats and books on shelves has remained the same but the place has been given a facelift. The tin on the table lamps and the wooden ceiling and walls have been polished and the sofas reupholstered in their original bottle green. The food is the same as always, with croquettes and “Snob steak” with fries as the calling cards. This said, the drink selection has been jazzed up with classic cocktails, a careful selection of spirits and a good line-up of whisky. What feels different is the absence of the previous owner, Albino Oliveira (who almost single-handedly served while managing Snob’s door policy). However, the hope is that a new staff of eight can offer on-point service while keeping some of the place’s time-tested allure. The aim? To become part of the furniture.snobbar.ptYear founded: 1964Number of covers: 40Food served until: 02.00, with last orders at 01.00Best dishes: Snob steak or mango mousse.Drink to order: Sazerac.Interesting fact: The old landline still works but its number is now only to be found in the phonebooks of Snob’s oldest clients and today serves as a red telephone of sorts for VIPs. Pure snobbery.Best table: Table 10 by the entrance continues to be the choice of journalists in the know.5.Get the ball rollingKaniya HontenNagasakiA quick stop for an after-dinner onigiri (rice ball) is common practice in Nagasaki these days but the origins of this ritual started with one restaurant. “My father opened Kaniya in 1965 when there were no conbini (convenience stores) and fewer restaurants,” says current proprietor Hideki Fujikawa. “This was the first onigiri speciality shop in Nagasaki and once it opened, it became part of the local culture to have an onigiri after a night of drinking. People started saying, ‘Nondara Kaniya’, which means ‘After you drink, it’s Kaniya.’”On any night, Kaniya is rammed. The onigiri are made to order with A-grade Koshihikari rice from Niigata, seaweed from Ariake and Hakata salt from Ehime. “We’ve always prepared each onigiri at the counter in front of the customers,” says Fujikawa. “Regulars often say that the taste hasn’t changed but it has. Customers have a more sophisticated palate today so we always try to make subtle improvements and use the best ingredients.” A Kaniya onigiri is small enough to wolf down quickly, allowing diners to try more of the 33 variations on the menu.Popular orders are iwanori (seasoned seaweed), takana (pickled mustard leaves) and the signature shio-saba (salt-grilled mackerel). “Unlike convenience-store versions, we carefully remove the bones by hand and grill each piece without any additives,” says Fujikawa. A bottle of Asahi Super Dry and the popular akadashi red miso soup complete the picture. The convivial hum is the sound of a room full of satisfied customers of all ages. “We are seeing a lot more younger people lately, alongside our loyal regulars,” says Fujikawa. The Kaniya tradition looks set to continue.Year founded: 1965Number of covers: Kaniya usually serves between 500 and 1,000 people; on particularly busy evenings that’s up to 3,000 onigiri.Food served until: 03.00, Fridays and Saturdays; 02.00 rest of the week.Best dish: Shio-saba (salt-grilled mackerel).Drink to order: Bottled Asahi Super Dry.Best table: Zashiki (tatami seating where you take off your shoes) are the most popular with the young.6.The spot for a singalongEl Primo SanchezSydneyIn a 1940s pub on Oxford Street, Paddington, on Sydney’s eastern fringe, is a colourful Mexican haunt that’s a go-to for a late bite. Serving drinks until 02.00 with a resident DJ in the corner, the technicolour decor, old-school Mexican music and a private karaoke booth make it an ideal spot for a late-night margarita, mezcal or a plate of tacos and a singalong.Bartender Eduardo Conde oversees the shaking and stirring, showcasing his talent with a menu of creative and curious cocktails. With a focus on tequila and mezcal, the extensive drinks list includes adapted classics, such as the negroni made with raicilla (a Mexican spirit distilled from the agave plant) and the viva la vida, a piquant take on the humble margarita that arrives with lashings of mango, mint, a kick of Ancho Reyes chilli liquor and native lemon myrtle.Head chef Diego Sotelo’s menu includes tostadas with diced raw tuna served with edamame, while the pick of the tacos are the al Pastor (pork belly with pineapple) and the campechano (with smoky brisket, chorizo and salsa). Desserts run to piping-hot churros with dulce de leche for dipping and brown-butter madeleines dotted with white chocolate and Australian wattle seed.For a more intimate experience, venture into La Prima, the private speakeasy within the bar. This cosy space, its walls adorned with colourful Mexican prints and lit by candlelight, also has a dedicated bartender service. Barkeep, another viva la vida, por favor!elprimosanchez.comYear founded: 2023Number of covers: 250Food served until: 00.30Best dish: Al Pastor taco.Drink to order: Try a sanchez paloma (tequila, lime juice, and grapefruit soda)Best table: For groups, a spot in the private La Prima room offers a journey straight to Oaxaca. The more intimate Blue Room is quieter. And for the people watchers, table 3 is your front-row seat to all the action.7.For the grown-upsThe DoverLondonAfter 15 years as COO at Soho House Group, Martin Kuczmarski amassed an enviable amount of experience and inspiration from the bar and restaurant world. The Dover, his instant classic in London’s Mayfair, is the distillation of all that he’s learned – a meticulous amalgam of Kuczmarski’s favourite late-night establishments and his design-led philosophy.Once through the heavy velvet curtains, the softly lit, slender bar is a blur of bartenders kitted out in white double- breasted Savile Row jackets made from the same cloth as butchers’ aprons. The drinks list is long and classic but majors in martinis. The signature Dover martini sums up Kuczmarski’s pedigree: an American drink made with Italian vermouth and Konik’s Tail vodka from Poland and is accented with an orange twist and bitters. Trays of the things float out to the candlelit tables, while a barback selects records to suit the sultry, grown-up mood.Beyond the bar, a stretch of conspiratorial booths leads to the oblong dining room, which is all sinuous swoops of walnut panelling rising to a glazed barrel ceiling. This club-like space, designed by Quincoces-Dragó, a Milanese architecture practice, takes cues from an age of steam-powered travel and art deco dining cars. Here you’ll find an international set tucking into Italian-American fare of courgette fritti, spaghetti meatballs, hamburgers and beef arrosto, all served on bone china plates and pleasingly bereft of the usually hefty Mayfair price tag for the pleasure. Kuczmarski’s next venture? A hotel in Parma.thedoverrestaurant.comYear founded: 2023Number of covers: 30 in the bar, 56 in the restaurant.Food/drinks served till: The bar serves until 01.00 and the last sitting is at 23.30.Best dish: Spaghetti meatballs or beef arrosto.Drink to order: The Dover martini.Best table: In the bar it’s table 40, which sits in a nook on the banquette and gives the best vantage point of the action. In the restaurant, table 17, a corner table for two, feels secluded for whispered sweet nothings but remains part of the hubbub.Interesting fact: Veteran restaurateur Jeremy King can sometimes be spotted enjoying a bite or a drink here after service at his own fêted establishment, The Arlington.

Travel 2025-12-06 05:51:37

Meet the people cooking up a contemporary twist on Taipei’s traditional breakfast shops

In Taiwan, breakfast can be a rushed affair. On the curb in front of a street-food vendor, you’ll see scooters hastily parked as their riders, helmets still fastened, queue beside smart office workers and uniformed students, waiting for their turn to order. Now and then, a retiree or an idle auntie claims a low plastic stool, savouring their choice with unhurried ease. But for many, breakfast is eaten on the go as they sweep through the city.Century egg and pork-floss sandwichLion’s head meatball flatbread and ‘dan bing’ at Miss Qin’s Soy Milk ShopBeef and spring-onion ‘dan bing’The Taiwanese breakfast shop is a product of the region’s postwar history: its origins lie with the steady flow of wheat that came as part of Cold War-era aid programmes from the US and also with the arrival of mainland Chinese refugees who knew precisely what to do with it. Until then, rice, not wheat, was the island’s staple stodge and the latter was a foreign commodity, largely unfamiliar to most. For breakfast, wheat flour was used to make long, deep-fried dough sticks, flaky flatbreads or pillowy buns. Sometimes the flatbreads were rolled up with spring onions and an egg to form adan bing, a morning staple. The first breakfast shops in Taiwan were street stalls, stacked with layers of bamboo steamer baskets and bouquets of fried dough sticks. Eventually, bricks-and-mortar locations began to crop up, though many maintain a certain simplicity: they tend to be humble, utilitarian spaces where food is prepared on a single stainless-steel flat-top griddle facing the street.“Dan bingis usually pan-fried but we deep-fry ours,” Cheng Hsu-Chong, the second-generation owner of the Chongqing Soy Milk and Fried Egg breakfast shop, tells Monocle. The 50 year-old institution on the edge of a traditional market has neither a front wall nor a door. Why deep fry? “It’s faster,” he says. “And it tastes better.”Queue outside Fu Hang Soy MilkThe main action takes place at a vendor cart in front of the shop, where Cheng’s son is poised over a fryer. He drops a thin flatbread speckled with spring onions into the bubbling oil, then cracks an egg into the fryer. As the bread crisps and expands, he folds it around the egg, lifting it from the oil, before adding a diced pickled daikon radish. With a swift motion, he hands it over to the cashier, who finishes it with a few generous shakes of ground white pepper. Thedan bingis paired with a hot cup of sweetened, freshly brewed soy milk, a popular drink at Taiwanese breakfast shops.Interior of Lao Jiang’s HouseThe precise origins of thedan bing, which is more like a light puff pastry than fried dough, remains as murky as the bubbling oil from which ours has just emerged. In Mandarin,danmeans “egg” andbingmeans “flatbread”. It is thought to have originated in Taiwan as an extra-thin riff on the spring-onion pancake. Variations exist, some more crêpe-like than others.Order counter at Lao Jiang’s HouseDiner at Fu Hang Soy Milk“Many people use the batter method but we just roll it out from dough,” says Qin Hui Lin, the owner of Miss Qin’s Soy Milk Shop. “It’s what I grew up with.” Qin’s parents came to Taiwan by way of the eastern Chinese province of Jiangsu during China’s civil war and she grew up eatingdan bingstuffed with chopped-up fermented long beans, served with finely minced chilli and a thickened soy sauce flavoured with bean curd. It’s one of the specialities at her family’s shop, which began as a modest stall under an awning 76 years ago and has since expanded into two adjacent shopfronts. One of them, positioned on a street corner, has a deli-style counter, while the other is for those who want to eat in. A solid wall divides the two areas.Qin’s son, who is now in charge, refreshed the shop recently with a new coat of paint and professionally taken photos of the dishes, displayed both on the menus and in the décor. The food bears plenty of influences from the family’s Jiangsu heritage. Among the highlights are the lion’s head meatballs, a dish that consists of pork with soy sauce and spices. “The meatballs were originally just for the staff but our customers liked them too and now they’re one of our signatures,” says Qin. Traditionally served in a broth with cabbage leaves, they’re now sold by Qin in a sesame-dotted flatbread that resembles a meatball sub. “You have to keep adapting,” she says.Deep-fried version at Chongqing Soy Milk and Fried EggDespite such willingness to adapt, most breakfast shops have remained little changed for decades. That said, a new wave of younger entrepreneurs is taking a different approach. You’ll find Lao Jiang’s House, which is open 24 hours a day, seven days a week, not in an old market but on the edges of Taipei’s financial district. The owners are five friends who quit their day jobs to start the business after the coronavirus-related lockdowns.“Most of us have worked at traditional breakfast shops at some point,” says co-owner Din Tsung-Hsiung. “We just wanted to create something a little different.” Servicing mostly white-collar workers during rush hour and late-night club-goers on the weekends, Lao Jiang’s House has a menu that offers all of the classics but with subtle updates. For example, there’s adan bingstuffed with spring-onion-scented beef instead of just egg and another with a rice-paper exterior. “It’s stuff that we want to eat ourselves,” says Din.What to order‘Dan bing’Thin flatbread flecked with spring onion, wrapped around an egg and cut into bite-sized pieces.Soy milkServed warm, this breakfast-shop staple is made from freshly ground soy beans and comes in sweetened or salted varieties.‘You tiao’Fried dough stick with a golden-brown, crispy exterior and a light, airy centre.‘Shao bing’Sesame-crusted flatbread.‘Fan tuan’Rolls made using sticky rice and packed with pickled vegetables, meat and egg.What makes Lao Jiang’s House stand out is its décor. With white tiles, light-wood trimmings and solid timber tables, it looks more like a Western coffee shop than a traditional breakfast shop. The space has been carefully designed to encourage diners to linger. Across Taiwan, the idea of a more design-forward breakfast space – albeit with the same level of comfort as the original breakfast shops – is gaining traction. Few do it as effortlessly as Nite-Nite Breakfast, a newcomer that has quietly entered the scene. Tucked away in the Neihu district, it has floor-to-ceiling glass windows and is branded with a smiley-face logo with bright-yellow accents. The dining area is spacious and flooded with natural light, a deliberate counterpoint to Nite-Nite’s often cramped competitors.Lao Jiang’s House“Most breakfast shops are on busy street corners. We chose this spot to help people to unwind,” says Jane Hu, a marketing manager – a position that few old-school breakfast shops employ. When Monocle visits on a Monday afternoon, the shop is full of diners sitting down for their meal. The menu is full of unexpected flavour combinations. There’s amapo tofu dan bing, stuffed with tofu, minced meat and fermented chilli sauce; we’re also tempted by an egg sandwich featuring pork floss – dehydrated pork with a candy-floss-like texture – and century egg, a preserved duck egg with a distinctive blackish hue.Traditionalists might scoff at new establishments of this kind (as well as at the tendency of their clientele to take photos of their food) but they are attracting footfall. Perhaps this evolution of the breakfast shop is a quiet rebellion against the sameness of so much brunch culture, with its bland avocado toasts, or the relentless pace of Taipei’s commuter hours? That’s something to discuss over adan bing, anyway.Address bookChongqing Soy Milk and Fried EggKnown for its deep-fried ‘dan bing’.32, Lane 335, Section 3, Chongqing North RoadFu Hang Soy MilkA traditional favourite with long queues.108, 2nd Floor, Section 1, Zhongxiao East RoadLao Jiang’s HouseOpen around the clock, all week.110 Yanji StreetMiss Qin’s Soy MilkTry the signature ‘dan bing’ with long beans.7-6, Yanji StreetNite-Nite BreakfastA quiet place with quirky flavour combos.37, Lane 127, Gangqian Road

Personal Finance 2025-12-08 01:27:09

Current price of gold as of November 7, 2025

The price of gold stood at $4,003 per ounce as of 9:15 a.m. Eastern Time on November 7, 2025. This marks a $5 decrease compared to the same time yesterday and more than a $1,319 jump from a year prior.Gold price per ounce% ChangePrice of gold yesterday$4,008+0.13%Price of gold 1 month ago$3,974-0.72%Price of gold 1 year ago$2,684-32.95%Price of gold yesterdayGold price per ounce$4,008% Change+0.13%Price of gold 1 month agoGold price per ounce$3,974% Change-0.72%Price of gold 1 year agoGold price per ounce$2,684% Change-32.95%For those seeking an investment that isn’t directly linked to inflation fluctuations, gold could be a suitable option. Historically, gold tends to appreciate over time. A gold IRA is one of the most popular ways to buy and hold gold, providing portfolio stability during turbulent markets. It’s also a practical solution for investors who prefer not to deal with the logistics of storing physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always a guaranteed winner. In robust economic periods, equities can outperform both in the short and long run. From 1971 through 2024, the stock market’s average annual return was 10.7%, while gold’s was 7.9% over the same span.Still, during periods of economic instability, gold is considered a safer, risk-averse asset. Many investors view it more as a store of value than as an investment like stocks or bonds.What does “spot gold” mean?The spot gold price refers to the immediate purchase or sale price of gold in an over-the-counter transaction. This metric helps investors gauge current demand and market trends. Put simply, a higher spot gold price signals stronger demand. Unlike futures contracts, the spot price is for instant delivery.If the future price exceeds the spot price, this is known as contango, common in commodities with significant storage costs. If the futures price is below the spot price, the market is in backwardation.Numerous factors can influence the spot price, causing it to fluctuate frequently. Prospective gold investors should be comfortable with this level of price volatility.What is price spread in gold trading?A price spread is the gap between the price at which an asset can be purchased and the price at which it can be sold.In gold trading, these are called the ask price (the cost to buy) and the bid price (the amount you’d receive selling). The bid price is always less than the ask price.A narrower spread indicates a more liquid market. When the spread is tight, it suggests rising demand for gold.How to invest in goldIf your mind jumps to Scrooge McDuck diving into gold coins when you think of gold investment, that’s only partly accurate. While buying physical gold bars, coins, or jewelry is possible, gold is frequently traded via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, notes, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Common gold investment options include:Gold bars:Known as bullion, these are sold by weight (gram or ounce), with purity, weight, and manufacturer details stamped on the bar. Gold rounds are another form you may find bullion in.Gold coins:Collectibles like the American Gold Eagle often carry a premium over bars of equivalent weight due to their rarity and collectible status.Gold jewelry:Jewelry’s price usually exceeds its gold content value due to design and craftsmanship.Gold futures contracts:These allow investors to agree on a set price for gold at a future date, enabling speculation without physical delivery.Gold funds:Mutual funds or ETFs holding gold assets. Like other ETFs, their value fluctuates with the underlying holdings.Is it a good time to invest in gold?Determining whether now is the optimal time to invest in gold is somewhat subjective. However, gold can help diversify portfolios and cushion against market swings.Currently, gold remains a stable asset amid high market volatility. Prices have reached record levels, climbing over 25% since early 2025, driven by persistent inflation and economic uncertainty. Many experts recommend adding gold to diversify holdings.Current precious metals pricesas of 9:15 a.m. ET on November 7, 2025Precious MetalPrice per ounceGold$4,003Silver$49Platinum$1,551Palladium$1,398GoldPrice per ounce$4,003SilverPrice per ounce$49PlatinumPrice per ounce$1,551PalladiumPrice per ounce$1,398Silver, platinum, and palladium are also popular portfolio additions. Gold is generally less volatile than silver, which can swing widely even within a single day. Silver’s industrial uses make it more sensitive to economic shifts.Platinum and palladium behave similarly to silver. While these rare metals can add diversification, they tend to fluctuate more than gold.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #VDQsFDqDslWsrYao .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #VDQsFDqDslWsrYao .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #VDQsFDqDslWsrYao .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #VDQsFDqDslWsrYao .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #VDQsFDqDslWsrYao .disclosure-contnr { text-align: center; } #VDQsFDqDslWsrYao .listing-header-cntnr { margin-top: 34px; } #VDQsFDqDslWsrYao .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #VDQsFDqDslWsrYao .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #VDQsFDqDslWsrYao .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #VDQsFDqDslWsrYao .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #VDQsFDqDslWsrYao .apy-label { font: normal normal 900 24px / 28px Roboto; } #VDQsFDqDslWsrYao .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #VDQsFDqDslWsrYao .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #VDQsFDqDslWsrYao .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #VDQsFDqDslWsrYao .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #VDQsFDqDslWsrYao .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #VDQsFDqDslWsrYao .additional-content { margin-top: 0px !important; } #VDQsFDqDslWsrYao .additional-content ul li { margin-bottom: 0; } #VDQsFDqDslWsrYao .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #VDQsFDqDslWsrYao .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #VDQsFDqDslWsrYao .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #VDQsFDqDslWsrYao .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #VDQsFDqDslWsrYao .shArrow { width: 12px; height: 7px; } #VDQsFDqDslWsrYao span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #VDQsFDqDslWsrYao .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #VDQsFDqDslWsrYao .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #VDQsFDqDslWsrYao #see_more_carrier, #VDQsFDqDslWsrYao .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #VDQsFDqDslWsrYao .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #VDQsFDqDslWsrYao .apy-label p { margin-top: 0px; margin-bottom: 0px; } #VDQsFDqDslWsrYao .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #VDQsFDqDslWsrYao { padding: 0 26px; } #VDQsFDqDslWsrYao .logo-image-wrapper { width: 136px; } #VDQsFDqDslWsrYao .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #VDQsFDqDslWsrYao .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #VDQsFDqDslWsrYao .prop-value-container .apy-container { flex: 0 0 44%; } #VDQsFDqDslWsrYao .prop-value-container .mfee-container, #VDQsFDqDslWsrYao .prop-value-container .minvalue-container { flex: 0 0 28%; } #VDQsFDqDslWsrYao .ad-copy-top-section { margin-bottom: 15px; } #VDQsFDqDslWsrYao .sh-row-product-title { max-width: 136px; } #VDQsFDqDslWsrYao .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #VDQsFDqDslWsrYao .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #VDQsFDqDslWsrYao .logo-image-wrapper { width: 100%; max-width: 292px; } #VDQsFDqDslWsrYao .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #VDQsFDqDslWsrYao .ad-copy { margin-left: 0; } #VDQsFDqDslWsrYao .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #VDQsFDqDslWsrYao .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #VDQsFDqDslWsrYao .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #VDQsFDqDslWsrYao .see-more-text { padding: 16px 15px; } #VDQsFDqDslWsrYao .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #VDQsFDqDslWsrYao .top-section-right { margin-left: 0px; } #VDQsFDqDslWsrYao .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #VDQsFDqDslWsrYao.sizeone .header-section { padding: 6px 10px; } } #VDQsFDqDslWsrYao.sh-box650.device-desktop .row-1 { padding-left: 14px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box700.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box750.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box800.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box850.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box900.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box700.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box750.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box800.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box850.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box900.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box700.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box750.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box800.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box850.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box900.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box700.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box750.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box800.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box850.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box900.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box750.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box800.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box850.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box900.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box750.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box800.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box850.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box900.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box950.device-desktop .prop-value-container .mfee-container #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box750.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box800.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box850.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box900.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box700.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box750.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box800.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box850.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box900.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box700.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box750.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box800.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box850.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box900.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box700.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box750.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box800.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box850.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box900.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #VDQsFDqDslWsrYao.sh-box650.device-desktop .row-1, #VDQsFDqDslWsrYao.sh-box700.device-desktop .row-1 , #VDQsFDqDslWsrYao.sh-box650.device-desktop .row-2, #VDQsFDqDslWsrYao.sh-box700.device-desktop .row-2 , #VDQsFDqDslWsrYao.sh-box500.device-desktop .row-1, #VDQsFDqDslWsrYao.sh-box550.device-desktop .row-1 , #VDQsFDqDslWsrYao.sh-box500.device-desktop .row-2, #VDQsFDqDslWsrYao.sh-box550.device-desktop .row-2{ display: unset; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box700.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box550.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box700.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box550.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box500.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value, #VDQsFDqDslWsrYao.sh-box550.device-desktop .prop-value, #VDQsFDqDslWsrYao.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box700.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box550.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#VDQsFDqDslWsrYao.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#VDQsFDqDslWsrYao.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#VDQsFDqDslWsrYao.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #VDQsFDqDslWsrYao .shmktpl-title, #VDQsFDqDslWsrYao .sub-heading-container, #VDQsFDqDslWsrYao .filter-check-options-cntnr, #VDQsFDqDslWsrYao .listing-header-cntnr { display: none; } #VDQsFDqDslWsrYao.title .shmktpl-title, #VDQsFDqDslWsrYao.subHeading .sub-heading-container, #VDQsFDqDslWsrYao.multiSelectFilter .filter-check-options-cntnr, #VDQsFDqDslWsrYao.resultsText .listing-header-cntnr { display: flex; } #VDQsFDqDslWsrYao.sizeone .add-overlay-content { width: 62%; height: auto; } #VDQsFDqDslWsrYao.sizeone .disclosure-title { padding: 6px 0px; } #VDQsFDqDslWsrYao.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #VDQsFDqDslWsrYao .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #VDQsFDqDslWsrYao.sizeone .title-container { margin-top: 0; } #VDQsFDqDslWsrYao.sizeone .non_featured_list { margin-top: 0; } #VDQsFDqDslWsrYao.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #VDQsFDqDslWsrYao.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #VDQsFDqDslWsrYao .item { flex: 1 1 calc(50% - 48px); } #VDQsFDqDslWsrYao .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #VDQsFDqDslWsrYao .item:nth-of-type(4n+3), #VDQsFDqDslWsrYao .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #VDQsFDqDslWsrYao .item:nth-of-type(4n+1), #VDQsFDqDslWsrYao .item:nth-of-type(4n+1) + * { background-color: #fff; } #VDQsFDqDslWsrYao .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #VDQsFDqDslWsrYao .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #VDQsFDqDslWsrYao .desktop, #VDQsFDqDslWsrYao .desktop-inline { display: none; } #VDQsFDqDslWsrYao .mobile { display: block !important; } #VDQsFDqDslWsrYao { padding: 0 18px; } #VDQsFDqDslWsrYao .shmktpl-title { font-size: 24px; line-height: 29px; } #VDQsFDqDslWsrYao .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #VDQsFDqDslWsrYao .add-overlay-content { width: 80%; height: auto; } #VDQsFDqDslWsrYao .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #VDQsFDqDslWsrYao .row-1 { flex-flow: column; padding: 16px; } #VDQsFDqDslWsrYao .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #VDQsFDqDslWsrYao .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #VDQsFDqDslWsrYao .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #VDQsFDqDslWsrYao .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #VDQsFDqDslWsrYao .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #VDQsFDqDslWsrYao .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #VDQsFDqDslWsrYao .prop-value { margin-top: 0; } #VDQsFDqDslWsrYao .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #VDQsFDqDslWsrYao .non_featured_list { margin-top: 18px; } #VDQsFDqDslWsrYao .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #VDQsFDqDslWsrYao .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #VDQsFDqDslWsrYao .item:nth-child(3n), #VDQsFDqDslWsrYao .desktop-bg { background: none; } #VDQsFDqDslWsrYao .prod-desc-popup-content { padding: 0; } #VDQsFDqDslWsrYao .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #VDQsFDqDslWsrYao .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #VDQsFDqDslWsrYao .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #VDQsFDqDslWsrYao .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #VDQsFDqDslWsrYao .disclosure-content ul { padding-left: 14px; line-height: 28px; } #VDQsFDqDslWsrYao .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #VDQsFDqDslWsrYao .additional-features { flex: 0 0 100%; } #VDQsFDqDslWsrYao .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #VDQsFDqDslWsrYao.sizeone .listing-header-cntnr { display: none; } #VDQsFDqDslWsrYao.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #VDQsFDqDslWsrYao .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #VDQsFDqDslWsrYao .prod-desc-popup-content { position: fixed; } } #VDQsFDqDslWsrYao.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #VDQsFDqDslWsrYao.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #VDQsFDqDslWsrYao.listingAlignment .logo-image-wrapper img { width: 100%; } #VDQsFDqDslWsrYao.listingAlignment { padding: 0px; } #VDQsFDqDslWsrYao.listingAlignment .listing-title { font-size: 14px; } #VDQsFDqDslWsrYao.listingAlignment .listing-title span { font-size: 14px; } #VDQsFDqDslWsrYao.listingAlignment .row-1 { padding: 26px 10px; } #VDQsFDqDslWsrYao.listingAlignment .prop-name { font-size: 10px; } #VDQsFDqDslWsrYao.listingAlignment .prop-value { font-size: 14px } #VDQsFDqDslWsrYao.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #VDQsFDqDslWsrYao.listingAlignment .logo-column.flex-container { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .prop-conatiner { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .ad-copy-column.flex-container { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .cta-column.flex-container { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .disclosure-content ul li::before { content: unset; } #VDQsFDqDslWsrYao.listingAlignment .disclosure-content ul li { list-style: disc; } } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #VDQsFDqDslWsrYao.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #VDQsFDqDslWsrYao.ctaAlignment .cta-column.flex-container { display: block !important; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button { font-size: 16px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #VDQsFDqDslWsrYao .sh-no-listing-msg { padding: 20px 0px; } #VDQsFDqDslWsrYao .sh-widget-footer-MBT { display: none; } #VDQsFDqDslWsrYao.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #VDQsFDqDslWsrYao.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #VDQsFDqDslWsrYao.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #VDQsFDqDslWsrYao .sh-widget-footer-QS { display: none; } #VDQsFDqDslWsrYao.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #VDQsFDqDslWsrYao.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #VDQsFDqDslWsrYao.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title, #VDQsFDqDslWsrYao.customizeColorEffect .prop-name, #VDQsFDqDslWsrYao.customizeColorEffect .prop-value, #VDQsFDqDslWsrYao.customizeColorEffect .curDate, #VDQsFDqDslWsrYao.customizeColorEffect span.current-date, #VDQsFDqDslWsrYao.customizeColorEffect .disclosure-content ul li, #VDQsFDqDslWsrYao.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #VDQsFDqDslWsrYao.customizeColorEffect .add-text, #VDQsFDqDslWsrYao.customizeColorEffect .see-more-text, #VDQsFDqDslWsrYao.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #VDQsFDqDslWsrYao.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #VDQsFDqDslWsrYao.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #VDQsFDqDslWsrYao.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #VDQsFDqDslWsrYao.sizeone.customizeColorEffect .header-section, #VDQsFDqDslWsrYao.customizeColorEffect .row-2 { background: #E9F0EC; } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title { display: unset; } #VDQsFDqDslWsrYao.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title .prod-name:hover, #VDQsFDqDslWsrYao.customizeColorEffect .listing-title:hover, #VDQsFDqDslWsrYao.customizeColorEffect .add-text:hover, #VDQsFDqDslWsrYao.customizeColorEffect .disclosure-contnr .text:hover, #VDQsFDqDslWsrYao.customizeColorEffect .see-more-text:hover { color: #EB0017; } #VDQsFDqDslWsrYao.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #VDQsFDqDslWsrYao.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #VDQsFDqDslWsrYao.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has experienced significant changes in recent years, with prolonged inflation taking a toll. Gold can act as an inflation hedge within a portfolio. Thanks to various acquisition methods, it’s a relatively accessible asset for investors, regardless of experience. Whether you choose a gold IRA or a more active investment account, gold can help achieve both short- and long-term financial goals.Frequently asked questionsWhat is the best way to own gold?Many investors prefer gold ETFs, which offer a managed selection of easily traded assets.Is gold a good investment?Gold is often chosen by those seeking portfolio diversification and inflation protection. There are many accessible ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value per ounce than bars. Their collectible and historical appeal can make them attractive to some investors. Additionally, U.S. minted coins can help safeguard buyers against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-05 13:36:41

BT wins £1.3bn 'overcharging' class action

BT has emerged victorious in a £1.3 billion class action lawsuit after allegations that it "disproportionately overcharged" its landline customers were dismissed. The Competition Appeal Tribunal (CAT) announced today that the claim against BT was unsuccessful, concluding that "overall" the prices charged "were not unfair, and therefore there was no abuse of dominant position." The legal challenge was initiated by Mishcon de Reya, representing over three million customers, with consumer advocate Justin Le Patourel acting as the claimants' representative, as reported by City AM. The claim accused BT of levying excessive prices for "standalone" fixed voice services, particularly affecting older clientele, suggesting an abuse of market dominance, but the Tribunal found otherwise. Proceedings were certified in October 2021, prompting an appeal from BT. This landmark case was the first to test the CAT’s approach to certifying collective proceedings on an opt-out basis. Despite BT's appeal against certification being rejected by the Court of Appeal, the trial proceeded in January and concluded at the end of March. Beyond its implications for the involved parties, this case holds considerable significance for the legal industry, marking the first trial since the collective proceedings regime was established in 2015.

Tech 2025-12-13 18:17:19

23andMe, supported by Richard Branson, announces major layoffs and strategy shift following data breach

23andMe, the genetic testing firm backed by Richard Branson's VG Acquisition Corp, has announced plans to lay off 200 employees in an effort to regain stability following a significant business slowdown over the past year. The company, which is cutting 40 per cent of its workforce, aims to recover from financial and operational difficulties triggered by a data breach and falling stock value, which led to a 70 per cent drop in share price to 4.67p over the last year, as reported by City AM. In addition, the firm will halt development on its therapeutic branch, opting instead to concentrate on its primary customer genetic-testing services and partnerships. The restructuring is expected to cost 23andMe around $12m (£9.4m) in severance pay, but could result in annual savings of up to $35m (£27m). The company faced challenges in December of the previous year when hackers accessed the personal data of approximately seven million users, stealing sensitive patient information. However, 23andMe maintains that the DNA data was not accessed. Hackers exploited previously leaked email and password credentials from other sites to gain access to the company's accounts and data. The UK's Information Commissioner's Office stated that the nature of the firm "makes public trust in these services essential". 23andMe faced a significant hurdle when seven out of eight board members stepped down in September, expressing discontent following buyout proposals from CEO Anne Wojcicki.

Tech 2025-12-03 08:20:18

Audioboom raises profit forecast again, projecting £2.2m amid strong ad sales

Audioboom, the podcast giant, has raised its profit expectations for the second time this year, increasing its adjusted earnings projection from a recently forecast £1.9m to £2.2m. This upgrade is attributed to an increase in revenue from the company's tech-driven ad marketplace, Showcase, which recorded a 49 per cent year-on-year revenue increase last month, as reported by City AM. Stuart Last, Audioboom's Chief Executive, stated: "Audioboom's strong performance has continued into the final quarter of the year, and we are set to deliver at least $2.8 million of adjusted EBITDA profit." He added: "With confidence in advertising demand for the remainder of our strongest quarter, I am very pleased to see a second upgrade to our adjusted EBITDA profit expectations this year." Despite this, the company's share price stands at 230p per share, marking a 17.5 per cent year-on-year decrease. The results reflect a thriving market for digital advertising, particularly within the podcast sector, which has become a hotbed for targeted ads.

Travel 2025-12-20 00:08:53

Off the beaten track: Switzerland’s Furka Steam Railway

The Swiss are rightly proud of the efficiency and speed of their SBB railway system – but journeys along the nation’s breathtaking Alpine routes are best enjoyed at a slower pace. Constructed in 1925, the Furka Steam Railway is a living relic of European train travel’s golden age. Sometimes, rushing it would be to miss the point.The 18km mountain pass is about 2,000 metres above sea level and begins in the village of Realp in the canton of Uri. It chugs through rugged pastures and frozen mountain lakes before finishing in Oberwald in Valais. Along the way, you’ll glimpse striking views of the Rhône Glacier, the Saint-Gotthard Massif and the Urseren Valley, all from the comfort of your seat.The mountain pass reopened in 2010 after almost three decades, thanks to the construction of a 14km tunnel through a high-altitude section of the trail that’s prone to extreme weather conditions. Painstakingly restored by the Furka Cogwheel Steam Railway Association, the picturesque route is run by an independent body called the Dampfbahn Furka-Bergstrecke and operates between June and October.The red locomotive passes by the Grand Hotel Glacier du Rhône in Gletsch, which is expected to reopen in 2026 (as well as the 19th-century belle époque Hôtel Belvédère, perched on a hairpin bend, which closed in 2016 after almost 150 years). The hope for the region is that, after a fresh lick of paint, the former might encourage more scene seekers to venture this way. In the meantime, if you do make the trip, we recommend that you buy a First Class ticket, order a glass of wine and toast a Swiss success that proves that there’s more to railway excellence than simply reaching your destination on time.dfb.ch; glacier-du-rhone.ch

Tech 2025-12-10 23:48:34

TSG continues year-on-year growth with turnover and profit hikes

IT firm Technology Services Group (TSG) is on the acquisition path, its CEO has said, on the back of further turnover and operating profit rises. The Gateshead-based firm, a specialist Microsoft Partner that provides a range of computing and AI services, has plans to make up to three acquisitions a year over the next three years, with due diligence work already under way on two opportunities following the purchase of an education-focused accountancy software firm last year. New accounts for the business - covering the year to the end of March 2024 - show the third consecutive year of more than 10% growth, with turnover rising more than 12% to £39.8m. Operating profits were up 49% to £4.64m, after charging £90,000 to the TSG Corporate Foundation which donates a percentage of the company's profits to charities and community initiatives each year. Bosses said the 280-strong business, which also has offices in London and Glasgow, had seen improved trading performance year-on-year, including 22% growth in project services revenue and 11% growth in revenue from recurring income streams. CEO Rory McKeand told BusinessLive: "The growth has come from work all over the UK and we've seen an additional 100 clients, which is brilliant. We have a really good retention rate of over 98% of our clients as well - which is great because technology is a competitive environment with lots of different providers out there in the landscape." Mr McKeand is now looking to grow TSG turnover to around £100m in the next few years, half of which is expected to come from organic growth. The results have been published following the multimillion-pound management buyout of TSG in July last year in which Mr McKeand and his leadership team were backed by private equity firm Pictet Alternative Advisors, which acquired TSG from founding shareholders Sir Graham Wylie and David Stonehouse. At the time, Pictet, which controls about £612bn of assets, said the firm had an attractive business model and that it saw the potential to expand TSG organically and through mergers and acquisitions. The first of those acquisitions came in November last year, when TSG snapped up Aylesbury-based multi-academy trust tech provider Dayta in an effort to strengthen its presence in the education market. That multimillion-pound deal was said to be ideal for TSG, which offers its Academy learning platform to clients so their teams can get the most from the technologies it provides. Subsequent deals in the Midlands and South East are now expected to follow with potential for another on home, North East soil. Mr McKeand has previously talked of his intentions to build on success of the company over the past two decades and strengthen TSG's position as the "UK's mid-market business tech partner". He also highlighted the introduction of an employee benefit trust set up so that all employees can become a shareholder in the business - a model that will be extended to employees of those companies TSG acquires.

Personal Finance 2025-12-28 05:39:14

The best high-yield savings accounts offer up to 5.00% APY on Oct. 31, 2025

High-yield savings accounts continue to offer strong rates of return for those seeking to maximize their savings potential. With many accounts currently featuring annual percentage yields (APYs) surpassing 4.00%, and a select few still hovering near the 5.00% mark, it’s a great time to make sure you have the best account for your financial needs.The current economic environment is characterized by rising inflation rates and an ambiguous U.S. economic outlook. For those reasons, the Federal Reserve halted its rate-cutting measures in the first part of 2025. But the central bank finally delivered a much anticipated rate cut at its September meeting.Savings account APYs remained relatively stable during the first part of the year—but, after the September rate cut and the potential for further cuts when the Federal Open Market Committee (FOMC) meets in October and December, financial institutions might decrease the APYs they offer accordingly.Recognizing the importance of informed financial decision-making,Fortunehas partnered with Curinos, a team of esteemed financial industry consultants. This collaboration aims to provide readers with a precise and up-to-date snapshot of the most competitive savings account rates available in the market, catering to those looking to enhance their savings strategy or embark on new financial endeavors.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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} #mJvFoQMDtzcUfDQx .shArrow { width: 12px; height: 7px; } #mJvFoQMDtzcUfDQx span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #mJvFoQMDtzcUfDQx .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #mJvFoQMDtzcUfDQx .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #mJvFoQMDtzcUfDQx #see_more_carrier, #mJvFoQMDtzcUfDQx .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #mJvFoQMDtzcUfDQx .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #mJvFoQMDtzcUfDQx .apy-label p { margin-top: 0px; margin-bottom: 0px; } #mJvFoQMDtzcUfDQx .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #mJvFoQMDtzcUfDQx { padding: 0 26px; } #mJvFoQMDtzcUfDQx .logo-image-wrapper { width: 136px; } #mJvFoQMDtzcUfDQx .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #mJvFoQMDtzcUfDQx .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #mJvFoQMDtzcUfDQx .prop-value-container .apy-container { flex: 0 0 44%; } #mJvFoQMDtzcUfDQx .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx .prop-value-container .minvalue-container { flex: 0 0 28%; } #mJvFoQMDtzcUfDQx .ad-copy-top-section { margin-bottom: 15px; } #mJvFoQMDtzcUfDQx .sh-row-product-title { max-width: 136px; } #mJvFoQMDtzcUfDQx .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #mJvFoQMDtzcUfDQx .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #mJvFoQMDtzcUfDQx .logo-image-wrapper { width: 100%; max-width: 292px; } #mJvFoQMDtzcUfDQx .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #mJvFoQMDtzcUfDQx .ad-copy { margin-left: 0; } #mJvFoQMDtzcUfDQx .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #mJvFoQMDtzcUfDQx .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #mJvFoQMDtzcUfDQx .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #mJvFoQMDtzcUfDQx .see-more-text { padding: 16px 15px; } #mJvFoQMDtzcUfDQx .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #mJvFoQMDtzcUfDQx .top-section-right { margin-left: 0px; } #mJvFoQMDtzcUfDQx .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #mJvFoQMDtzcUfDQx.sizeone .header-section { padding: 6px 10px; } } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .row-1 { padding-left: 14px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .prop-value-container .mfee-container #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .row-1, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .row-1 , #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .row-2, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .row-2 , #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .row-1, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .row-1 , #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .row-2, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .row-2{ display: unset; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .prop-value, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#mJvFoQMDtzcUfDQx.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#mJvFoQMDtzcUfDQx.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#mJvFoQMDtzcUfDQx.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #mJvFoQMDtzcUfDQx .shmktpl-title, #mJvFoQMDtzcUfDQx .sub-heading-container, #mJvFoQMDtzcUfDQx .filter-check-options-cntnr, #mJvFoQMDtzcUfDQx .listing-header-cntnr { display: none; } #mJvFoQMDtzcUfDQx.title .shmktpl-title, #mJvFoQMDtzcUfDQx.subHeading .sub-heading-container, #mJvFoQMDtzcUfDQx.multiSelectFilter .filter-check-options-cntnr, #mJvFoQMDtzcUfDQx.resultsText .listing-header-cntnr { display: flex; } #mJvFoQMDtzcUfDQx.sizeone .add-overlay-content { width: 62%; height: auto; } #mJvFoQMDtzcUfDQx.sizeone .disclosure-title { padding: 6px 0px; } #mJvFoQMDtzcUfDQx.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #mJvFoQMDtzcUfDQx .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #mJvFoQMDtzcUfDQx.sizeone .title-container { margin-top: 0; } #mJvFoQMDtzcUfDQx.sizeone .non_featured_list { margin-top: 0; } #mJvFoQMDtzcUfDQx.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #mJvFoQMDtzcUfDQx.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #mJvFoQMDtzcUfDQx .item { flex: 1 1 calc(50% - 48px); } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+3), #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+1), #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+1) + * { background-color: #fff; } #mJvFoQMDtzcUfDQx .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #mJvFoQMDtzcUfDQx .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #mJvFoQMDtzcUfDQx .desktop, #mJvFoQMDtzcUfDQx .desktop-inline { display: none; } #mJvFoQMDtzcUfDQx .mobile { display: block !important; } #mJvFoQMDtzcUfDQx { padding: 0 18px; } #mJvFoQMDtzcUfDQx .shmktpl-title { font-size: 24px; line-height: 29px; } #mJvFoQMDtzcUfDQx .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #mJvFoQMDtzcUfDQx .add-overlay-content { width: 80%; height: auto; } #mJvFoQMDtzcUfDQx .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #mJvFoQMDtzcUfDQx .row-1 { flex-flow: column; padding: 16px; } #mJvFoQMDtzcUfDQx .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #mJvFoQMDtzcUfDQx .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #mJvFoQMDtzcUfDQx .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #mJvFoQMDtzcUfDQx .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #mJvFoQMDtzcUfDQx .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #mJvFoQMDtzcUfDQx .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #mJvFoQMDtzcUfDQx .prop-value { margin-top: 0; } #mJvFoQMDtzcUfDQx .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #mJvFoQMDtzcUfDQx .non_featured_list { margin-top: 18px; } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #mJvFoQMDtzcUfDQx .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #mJvFoQMDtzcUfDQx .item:nth-child(3n), #mJvFoQMDtzcUfDQx .desktop-bg { background: none; } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { padding: 0; } #mJvFoQMDtzcUfDQx .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #mJvFoQMDtzcUfDQx .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #mJvFoQMDtzcUfDQx .disclosure-content ul { padding-left: 14px; line-height: 28px; } #mJvFoQMDtzcUfDQx .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #mJvFoQMDtzcUfDQx .additional-features { flex: 0 0 100%; } #mJvFoQMDtzcUfDQx .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #mJvFoQMDtzcUfDQx.sizeone .listing-header-cntnr { display: none; } #mJvFoQMDtzcUfDQx.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { position: fixed; } } #mJvFoQMDtzcUfDQx.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #mJvFoQMDtzcUfDQx.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #mJvFoQMDtzcUfDQx.listingAlignment .logo-image-wrapper img { width: 100%; } #mJvFoQMDtzcUfDQx.listingAlignment { padding: 0px; } #mJvFoQMDtzcUfDQx.listingAlignment .listing-title { font-size: 14px; } #mJvFoQMDtzcUfDQx.listingAlignment .listing-title span { font-size: 14px; } #mJvFoQMDtzcUfDQx.listingAlignment .row-1 { padding: 26px 10px; } #mJvFoQMDtzcUfDQx.listingAlignment .prop-name { font-size: 10px; } #mJvFoQMDtzcUfDQx.listingAlignment .prop-value { font-size: 14px } #mJvFoQMDtzcUfDQx.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #mJvFoQMDtzcUfDQx.listingAlignment .logo-column.flex-container { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .prop-conatiner { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .ad-copy-column.flex-container { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .cta-column.flex-container { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .disclosure-content ul li::before { content: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .disclosure-content ul li { list-style: disc; } } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #mJvFoQMDtzcUfDQx.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #mJvFoQMDtzcUfDQx.ctaAlignment .cta-column.flex-container { display: block !important; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button { font-size: 16px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #mJvFoQMDtzcUfDQx .sh-no-listing-msg { padding: 20px 0px; } #mJvFoQMDtzcUfDQx .sh-widget-footer-MBT { display: none; } #mJvFoQMDtzcUfDQx.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #mJvFoQMDtzcUfDQx.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #mJvFoQMDtzcUfDQx.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #mJvFoQMDtzcUfDQx .sh-widget-footer-QS { display: none; } #mJvFoQMDtzcUfDQx.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #mJvFoQMDtzcUfDQx.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #mJvFoQMDtzcUfDQx.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title, #mJvFoQMDtzcUfDQx.customizeColorEffect .prop-name, #mJvFoQMDtzcUfDQx.customizeColorEffect .prop-value, #mJvFoQMDtzcUfDQx.customizeColorEffect .curDate, #mJvFoQMDtzcUfDQx.customizeColorEffect span.current-date, #mJvFoQMDtzcUfDQx.customizeColorEffect .disclosure-content ul li, #mJvFoQMDtzcUfDQx.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #mJvFoQMDtzcUfDQx.customizeColorEffect .add-text, #mJvFoQMDtzcUfDQx.customizeColorEffect .see-more-text, #mJvFoQMDtzcUfDQx.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #mJvFoQMDtzcUfDQx.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #mJvFoQMDtzcUfDQx.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #mJvFoQMDtzcUfDQx.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #mJvFoQMDtzcUfDQx.sizeone.customizeColorEffect .header-section, #mJvFoQMDtzcUfDQx.customizeColorEffect .row-2 { background: #E9F0EC; } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title { display: unset; } #mJvFoQMDtzcUfDQx.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title .prod-name:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .add-text:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .disclosure-contnr .text:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .see-more-text:hover { color: #EB0017; } #mJvFoQMDtzcUfDQx.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #mJvFoQMDtzcUfDQx.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #mJvFoQMDtzcUfDQx.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title { display: block; } #mJvFoQMDtzcUfDQx.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #mJvFoQMDtzcUfDQx.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #mJvFoQMDtzcUfDQx .sh-right-arrow { display: none; } #mJvFoQMDtzcUfDQx.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #mJvFoQMDtzcUfDQx.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #mJvFoQMDtzcUfDQx.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #mJvFoQMDtzcUfDQx{position:relative;}.add-overlay-content{right: 4%;}#mJvFoQMDtzcUfDQx .shmktpl-button span.btn__text::after{display:none;} #mJvFoQMDtzcUfDQx .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #mJvFoQMDtzcUfDQx .shmktpl-button:hover{background:#0E86DE;} #mJvFoQMDtzcUfDQx .add-text:hover {color:#0E86DE;} #mJvFoQMDtzcUfDQx .listing-title .prod-name:hover{color:#0E86DE;} #mJvFoQMDtzcUfDQx .disclosure-contnr .text:hover{color:#0E86DE;} #mJvFoQMDtzcUfDQx .see-more-text{width:68px} #mJvFoQMDtzcUfDQx .see-more-text:hover{color:#0E86DE;} #mJvFoQMDtzcUfDQx .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings accounts on October 31, 2025: Earn up to 5.00% APYFortunereviews the top rates offered by leading U.S. financial institutions each day to help readers obtain the best possible return on their savings. The best high-yield savings account rate of 5.00% can be found at Varo Bank. Here are the best savings account rates available nationwide:FDIC average national deposit rates: January 2020 to presentIn March 2024, the national average savings rate was 0.47%. This rate quickly began to fall as the Federal Reserve started making cuts to the federal funds rate later in the year. Now, the national average savings rate sits at0.41%.Savings account news in 2025Federal Reserve interest rate decisions are crucial in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the interest they offer on savings accounts to remain competitive. Conversely, when the Fed lowers rates, savings account yields generally decrease.However, this relationship isn’t always direct. Banks may adjust their rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Fed meetings take place roughly eight times annually. The central bank adjusted the federal funds rate to 4.25%-4.50% at its December 2024 meeting, then cut its benchmark rate again in September 2025 to 4.00%-4.25%, where it currently stands. The next FOMC meeting is set for Oct. 28-29.High-yield savings accounts might be easier to find than you expectYou may have already taken a look at the accounts available from local banks and been unimpressed with the rates offered, or wondered why there are no specific products labeled “high-yield savings accounts.” That’s largely because the primary difference between high-yield and traditional savings accounts is simply the interest rate offered. Traditional accounts often feature physical branch access but with lower rates, while high-yield accounts are typically offered by online banks and boast higher rates but limited in-person services.High-yield accounts typically provide rates that are 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is0.41%, many high-yield accounts offer rates above 4.00%.In addition to substantially higher interest rates than traditional savings accounts, consider opening a high-yield savings account if you want to avoid minimum balance requirements or monthly fees. Oftentimes, the two go hand in hand. These accounts are ideal for emergency funds or short-term savings goals and are FDIC-insured, providing the same protection as traditional banks. Just remember that you’ll have to pay taxes on any interest you earn from the account.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?Banks and credit unions can adjust high-yield savings account rates whenever they see fit, so there’s no regular schedule. But in practice, these changes often occur in response to the Federal Reserve raising or lowering the federal funds rate.Should I switch banks if I find a savings account with a higher rate?It could be worth switching, but it depends on your situation. You can have multiple savings accounts—but consider any minimum deposit requirements and whether the higher rate will actually make a significant difference in your earnings before making a move.For example, putting $1,000 in an account where the APY is 4% and leaving it for a year without further deposits might net approximately $39.98 in interest. While if the same account had an APY of 4.5%, you might earn $44.98 in interest over that year.How easy is it to withdraw money from a HYSA?Assuming your bank or credit union has a decent online banking setup, it should be fairly easy to initiate a withdrawal from your computer or mobile device. Just remember that many institutions still maintain the rule of no more than six withdrawals per month even though that’s not a federal rule any longer.Should I choose an online-only bank for my HYSA?Since online banks save on costs like branch maintenance, they can typically pass those savings on to customers through higher rates, making them a strong option for your HYSA.Can I lose money in a high-yield savings account?Assuming your account is at an institution with FDIC or NCUA insurance, your savings are protected up to the insurance max. That said, if your account’s APY doesn’t match or beat inflation, your spending power could still take a hit.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-29 23:23:38

Current price of silver as of Monday, November 3, 2025

At 8:15 a.m. Eastern Time on November 3, 2025, silver was valued at $48.79 per ounce. That’s a $0.18 downtick from the same time on Friday but more than a $16 gain over the past year.Silver price per ounce% ChangePrice of silver yesterday$48.97-0.36%Price of silver 1 month ago$46.98+3.85%Price of silver 1 year ago$32.45+50.35%Price of silver yesterdaySilver price per ounce$48.97% Change-0.36%Price of silver 1 month agoSilver price per ounce$46.98% Change+3.85%Price of silver 1 year agoSilver price per ounce$32.45% Change+50.35%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.What does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance.  The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade.  The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on November 3, 2025 Precious metal Price per ounceGold$4,015.88Silver$48.79Platinum$1,584.15Palladium$1,453.14GoldPrice per ounce$4,015.88SilverPrice per ounce$48.79PlatinumPrice per ounce$1,584.15PalladiumPrice per ounce$1,453.14Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-08 01:04:17

Current refi mortgage rates report for Nov. 7, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.34%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.34%20-year6.41%15-year5.64%10-year5.84%Jumbo mortgages30-year7.09%15-year6.16%FHA loans30-year6.05%15-year5.53%VA loans30-year6.01%15-year6.08%Note thatFortunereviewed the most recent Zillow data available as of Nov. 6.How mortgage refinancing worksBoiled down to the basics, a mortgage refinance replaces your existing home loan with a new one. As when you applied for a mortgage to purchase your home, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to a hard inquiry. And, be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some market watchers had hoped that mortgage interest rates would fall as the Federal Reserve made several cuts to the federal funds rate late last year. However, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate loans—for months. Rates have long remained well above the pandemic-era lows, when some homeowners were able to get rates in the 2% or 3% ranges. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%. Many have been essentially locked in with their existing home loans, unable or unwilling to move or refinance in the current environment.But homeowners finally got a little relief starting in late August and early September of 2025. Mortgage rates dropped in a noticeable way ahead of the Sept. 16-17 Fed meeting, where the central bank delivered a widely anticipated rate cut of a quarter percentage point. Then, the Fed followed up with a second cut of a quarter percentage point at the end of October.When it might make sense to refinance your mortgageAs we’ll cover more in the section below this one, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One rule of thumb many experts use is that if you can get a new rate a full percentage point lower than the one you have right now, it’s probably worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% should strongly consider a refi if market conditions are in a place where that homeowner could now get a 6% rate.It may also be strategic to refinance if you want to tap your home equity through a cash-out refi. Be aware you’ll typically need to have at least 20% equity in your home to be able to do this. So, for those who got into their home with the 5% minimum down payment generally available on conventional mortgages, it could take a while before you’re in a place to leverage a cash-out refi. Yet another case where a refi can help is to change your loan term. For example, maybe you applied for a 15-year mortgage when you bought the home, knowing that in exchange for higher monthly payments you’d save a boatload on interest charges over time. But then, your circumstances changed and now your monthly payments are stretching your budget. Refinancing to a 30-year loan might give you much-needed flexibility to make lower payments in that situation.You may also wish to refi if you’re hoping to switch loan types. Maybe you have an FHA loan with lifetime mortgage insurance (called MIP on this type of loan) requirements, and you want to switch to a conventional loan to get rid of this. Or perhaps you took out an adjustable-rate mortgage (ARM) but now you’ve decided to stay in the home for a longer time and don’t want to deal with the chance of rate hikes during the adjustment period. In that case, refinancing to a fixed-rate home loan could make sense. Costs to refinance your mortgageMuch like the traditional home loan you likely took out to buy your house, refinancing a mortgage involves closing costs that can run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might pay anywhere from $6,000 to $18,000 in refi closing costs.Here are some costs you might see listed on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the one you need will depend on your goals and also on your existing mortgage. Here are some common refi options to consider:Rate-and-term refinance:This is likely the most popular refi option and offers a chance to lower your interest rate and/or get a different loan term. Just know if you opt for a shorter loan term, while that typically earns you a lower rate and also hefty lifetime interest savings, you’ll be committing to higher monthly payments.Cash-out refinance:With a cash-out refi, you tap your home’s equity by replacing your existing loan balance with a larger one and taking the difference in cash. You can use the money for home improvements, consolidating high-interest debt, or virtually any other financial goal.No-closing-cost refinance:With this type of refi, the lender covers closing costs but charges you a higher interest rate. If you don’t have cash upfront for closing costs and think you could otherwise benefit from a refinance, this option may be worth a look. But approach it with careful scrutiny.Streamline refinance:These are generally available to existing FHA, VA and USDA loan borrowers, and will typically involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to stick with the lender you got your original mortgage from when you refi. In fact, it’s probably worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stay with them, such as waiving a portion of the closing costs. Since these upfront charges can be something of a barrier to those who want to refinance, incentives can make a refi more feasible, and it’s worth broaching the conversation with your lender.Lastly, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-01 11:16:24

Newcastle lab grown leather specialist BSF secures £50,000 funding to begin manufacturing

Biotech group BSF Enterprise has secured a £50,000 grant that it will use to begin small scale manufacturing of its lab grown leather products. Newcastle University spin-out 3D Bio-Tissues Ltd (3DBT), which is part of the group, has been awarded the sum by Northern Accelerator, a growth support programme that is a collaboration between Durham, Newcastle and Northumbria universities along with the Centre for Process Innovation (CPI). It says the funding will be instrumental in moving the product from the laboratory to small scale production and commercialisation, by paying for external resources. Bosses say the awarding of the grant recognises 3DBT's tissue engineering technology and its potential to be a disruptor in the global leather market. The firm has been working with French fashion brand Maison Amelie Pichard, providing material for the label's handbags and showing it can meet key environmental and ethical challenges in the market. The grant money will be used to conduct market research to spot high-growth opportunities and identify revenue streams in key sectors including fashion automotive. A "technology roadmap" will be created to set out the steps needed towards a growable manufacturing process, including addressing technical risks, and will provide a plan for developing a pilot factory - a move which 3DBT says will be a pivotal milestone in moving from innovation to commercial scalability. The grant is just the latest in a string of funding awards for London Stock Exchange-listed BSF Enterprise, which also owns Kerato, Lab-Grown Leather Ltd and a Hong Kong subsidiary. Earlier this month the group raised £500,000 in an oversubscribed share placing which it said would give it an operational cash runway of more than 12 months to help execute its plans. Dr Che Connon, CEO and founder of 3DBT, said: "This grant award is a pivotal moment for 3DBT. It enables us to accelerate the commercialisation of our lab-grown leather technology and underscores the growing recognition of its transformative potential. With this support, we are well-positioned to deliver a sustainable and scalable alternative to traditional leather." 3DBT says its technology is uniquely positioned to meet demand in the global leather market which was valued at $32.26bn in 2022 and is expected to grow to $47.89bn by 2031.

Tech 2025-12-05 23:13:09

London-based Truelayer cuts a quarter of staff, loses unicorn status in new funding round

Truelayer, once a celebrated fintech 'unicorn', has made the drastic move of cutting approximately a quarter of its workforce in a single day. This is part of a broader strategy to reduce costs and steer towards profitability, according to City AM. The London-based company let go of 71 roles at the end of September, just a week before announcing a $50m funding round that saw its valuation take a hit, as per two individuals privy to the situation. Insiders revealed that employees were given a mere two-hour notice for a meeting where they were informed about the job cuts. The affected staff members reportedly exited the company on the same day. An internal source disclosed that around 25% of the workforce was impacted by this decision. When approached for comment, a Truelayer spokesperson chose not to delve into specifics. They instead highlighted the recent funding round as "yet another vote of confidence in our company." They further added: "At the same time, we also announced important steps to chart our path toward profitability, including streamlining operational costs and a reduction in headcount which took place in September,". The latest fundraising round saw Truelayer's valuation drop by roughly 30%, stripping it off its coveted 'unicorn' status, which it had achieved in a 2021 round with a price tag exceeding $1bn. This trend of accepting lower valuations to secure funds has been observed among several major European fintechs over the past couple of years, as they grapple with the challenge of achieving profitability to meet venture capital investors' expectations. Francesco Simoneschi, CEO of the open banking firm Truelayer, expressed to City AM in June that the "funding environment is way tighter than it used to be". In an October LinkedIn update, he disclosed the company had undergone restructuring and decreased its workforce to enhance its financial position. Founded in 2016, Truelayer provides payment solutions via open banking technology for clientele such as Revolut, Coinbase, and Shopify. The enterprise boasts investment from entities such as Tiger Global in New York and leading fintech enterprise Stripe. The latest redundancies follow a fluctuating pattern of recruitment and turnover at the financial technology firm over the last three years. Truelayer's annual reports detail a reduction in headcount to an average of 346 per month in 2023, down from 434 in 2022 the same year the company dismissed 10% of its workforce. This downsizing was subsequent to a period of aggressive hiring that nearly doubled the workforce from 231 in 2021. The push to streamline costs reflects a broader change in the sector away from a 'growth at all costs' approach that reached its zenith in 2021. During that time, historically low interest rates led investors to funnel capital into unprofitable start-ups that promised to reconfigure the fintech landscape. Despite Truelayer managing to lessen its operating losses last year, they still amounted to £54.1m, with administrative expenses of £61.9m eclipsing the tripling of revenue and doubling of payment volumes. Simoneschi has previously articulated that Truelayer's vision as an "infrastructure business" necessitates considerable expenditure in order to establish a widespread network for open banking adoption across the UK. The technology has the potential to facilitate payments directly between bank accounts, circumventing card networks that are predominantly controlled by Visa and Mastercard. TrueLayer is part of a group of British open banking fintechs positioning themselves as challengers to this duopoly.

Personal Finance 2025-12-22 19:44:24

Current mortgage rates report for Nov. 3, 2025

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.190%, according to data available from mortgage data company Optimal Blue. That’s up approximately 3 basis points from the prior day’s report, and up approximately 2 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.190%One week ago6.167%One month ago6.315%30-year jumboCurrent rate6.450%One week ago6.310%One month ago6.465%30-year FHACurrent rate6.080%One week ago6.033%One month ago6.084%30-year VACurrent rate5.759%One week ago5.748%One month ago5.819%30-year USDACurrent rate6.128%One week ago6.044%One month ago6.128%15-year conventionalCurrent rate5.403%One week ago5.415%One month ago5.498%Note thatFortunereviewed Optimal Blue’s latest available data on October 31, 2025, with the numbers reflecting home loans locked in as of October 30, 2025. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession. Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. With two more Fed meetings set for October and December, further cuts remain possible.How to get the best mortgage rate possibleWhile economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier. Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartThe rates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high. Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits. Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations. However, the Fed has been slimming down its balance sheet, allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. In other words, even though a lot of attention is focused on when the central bank decides to cut or hike the federal funds rate, what the Fed does with its balance sheet may be even more important for those hoping to snag a lower mortgage rate. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-12 20:08:12

You can earn up to 5.00% APY in a high-yield savings account on Nov. 3, 2025

The best high-yield savings accounts offer annual percentage yields (APYs) that are well above average. Many of the top rates available on November 3, 2025 are above 4.00%, and one or two are still around 5.00%.Inflation rates have been edging higher and the U.S. economic outlook is cloudy. That means the Federal Reserve has held off on rate cuts for the past several months—but finally proceeded with the first rate cut of the year at its September meeting, citing slowing job gains. While savings account APYs remained relatively stable during the first part of the year, they may well dip in light of the cut, especially if financial institutions anticipate additional cuts when the Fed meets in October and December.Whether you’re looking for a better return on your savings, or just want to open a new account for a new financial goal,Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates available on November 3, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #QPKmTjJhYRmPIgND .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #QPKmTjJhYRmPIgND .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #QPKmTjJhYRmPIgND .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #QPKmTjJhYRmPIgND .product-list { display: flex; flex-flow: row wrap; } #QPKmTjJhYRmPIgND .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #QPKmTjJhYRmPIgND .description { font-size: 12px; line-height: 18px; } #QPKmTjJhYRmPIgND .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #QPKmTjJhYRmPIgND .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #QPKmTjJhYRmPIgND input.chk-btn + label { padding: 10px 11px; } #QPKmTjJhYRmPIgND .check-elem { margin: 3px; } #QPKmTjJhYRmPIgND.minFilter .check-elem.annuity { display: none !important; } #QPKmTjJhYRmPIgND.minFilter .check-elem.businesschecking { display: none !important; } #QPKmTjJhYRmPIgND.minFilter .check-elem.view-btn { display: none; } #QPKmTjJhYRmPIgND.minFilter input.chk-btn + label { padding: 10px 11px; } #QPKmTjJhYRmPIgND .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #QPKmTjJhYRmPIgND input.chk-btn + label { padding: 10px 8px; } #QPKmTjJhYRmPIgND.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #QPKmTjJhYRmPIgND input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #QPKmTjJhYRmPIgND.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #QPKmTjJhYRmPIgND .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #QPKmTjJhYRmPIgND.loadingMessage .sh-loading-msg { display: block; } #QPKmTjJhYRmPIgND.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #QPKmTjJhYRmPIgND .sh-loading-msg { font-size: 18px; } } #QPKmTjJhYRmPIgND .mobile { display: none; } #QPKmTjJhYRmPIgND .sh-hide { display: none; } #QPKmTjJhYRmPIgND .desktop { display: block; } #QPKmTjJhYRmPIgND .desktop-inline { display: inline-block; } #QPKmTjJhYRmPIgND .row-1, #QPKmTjJhYRmPIgND .row-2 { display: flex; } #QPKmTjJhYRmPIgND .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #QPKmTjJhYRmPIgND .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #QPKmTjJhYRmPIgND .row-2 .listing-description { padding: 24px 23px; width: 100%; } #QPKmTjJhYRmPIgND .logo-image-wrapper { margin: auto; width: 196px; } #QPKmTjJhYRmPIgND .logo-column { display: flex; align-items: center; } #QPKmTjJhYRmPIgND .logo-image-wrapper img { width: 100%; height: auto; } #QPKmTjJhYRmPIgND .ad-copy { margin-left: 24px; } #QPKmTjJhYRmPIgND .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #QPKmTjJhYRmPIgND .listing-description .disclosure-content { margin-top: 0px; } #QPKmTjJhYRmPIgND .logo-column.flex-container { flex: 0 0 20%; } #QPKmTjJhYRmPIgND .ad-copy-column.flex-container { flex: 0 0 78%; } #QPKmTjJhYRmPIgND .top-section-right { margin-left: 5px; } #QPKmTjJhYRmPIgND .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #QPKmTjJhYRmPIgND .ad-copy { margin-left: 24px; } #QPKmTjJhYRmPIgND .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #QPKmTjJhYRmPIgND .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #QPKmTjJhYRmPIgND .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #QPKmTjJhYRmPIgND .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #QPKmTjJhYRmPIgND .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #QPKmTjJhYRmPIgND .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #QPKmTjJhYRmPIgND .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #QPKmTjJhYRmPIgND .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #QPKmTjJhYRmPIgND .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #QPKmTjJhYRmPIgND .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #QPKmTjJhYRmPIgND .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #QPKmTjJhYRmPIgND .disclosure-contnr { text-align: center; } #QPKmTjJhYRmPIgND .listing-header-cntnr { margin-top: 34px; } #QPKmTjJhYRmPIgND .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #QPKmTjJhYRmPIgND .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #QPKmTjJhYRmPIgND .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #QPKmTjJhYRmPIgND .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #QPKmTjJhYRmPIgND .apy-label { font: normal normal 900 24px / 28px Roboto; } #QPKmTjJhYRmPIgND .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #QPKmTjJhYRmPIgND .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #QPKmTjJhYRmPIgND .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #QPKmTjJhYRmPIgND .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #QPKmTjJhYRmPIgND .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #QPKmTjJhYRmPIgND .additional-content { margin-top: 0px !important; } #QPKmTjJhYRmPIgND .additional-content ul li { margin-bottom: 0; } #QPKmTjJhYRmPIgND .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #QPKmTjJhYRmPIgND .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #QPKmTjJhYRmPIgND .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #QPKmTjJhYRmPIgND .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #QPKmTjJhYRmPIgND .shArrow { width: 12px; height: 7px; } #QPKmTjJhYRmPIgND span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #QPKmTjJhYRmPIgND .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #QPKmTjJhYRmPIgND .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #QPKmTjJhYRmPIgND #see_more_carrier, #QPKmTjJhYRmPIgND .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #QPKmTjJhYRmPIgND .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #QPKmTjJhYRmPIgND .apy-label p { margin-top: 0px; margin-bottom: 0px; } #QPKmTjJhYRmPIgND .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #QPKmTjJhYRmPIgND { padding: 0 26px; } #QPKmTjJhYRmPIgND .logo-image-wrapper { width: 136px; } #QPKmTjJhYRmPIgND .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #QPKmTjJhYRmPIgND .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #QPKmTjJhYRmPIgND .prop-value-container .apy-container { flex: 0 0 44%; } #QPKmTjJhYRmPIgND .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND .prop-value-container .minvalue-container { flex: 0 0 28%; } #QPKmTjJhYRmPIgND .ad-copy-top-section { margin-bottom: 15px; } #QPKmTjJhYRmPIgND .sh-row-product-title { max-width: 136px; } #QPKmTjJhYRmPIgND .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #QPKmTjJhYRmPIgND .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #QPKmTjJhYRmPIgND .logo-image-wrapper { width: 100%; max-width: 292px; } #QPKmTjJhYRmPIgND .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #QPKmTjJhYRmPIgND .ad-copy { margin-left: 0; } #QPKmTjJhYRmPIgND .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #QPKmTjJhYRmPIgND .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #QPKmTjJhYRmPIgND .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #QPKmTjJhYRmPIgND .see-more-text { padding: 16px 15px; } #QPKmTjJhYRmPIgND .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #QPKmTjJhYRmPIgND .top-section-right { margin-left: 0px; } #QPKmTjJhYRmPIgND .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #QPKmTjJhYRmPIgND.sizeone .header-section { padding: 6px 10px; } } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .row-1 { padding-left: 14px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .prop-value-container .mfee-container #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #QPKmTjJhYRmPIgND.sh-box650.device-desktop .row-1, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .row-1 , #QPKmTjJhYRmPIgND.sh-box650.device-desktop .row-2, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .row-2 , #QPKmTjJhYRmPIgND.sh-box500.device-desktop .row-1, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .row-1 , #QPKmTjJhYRmPIgND.sh-box500.device-desktop .row-2, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .row-2{ display: unset; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .prop-value, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#QPKmTjJhYRmPIgND.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#QPKmTjJhYRmPIgND.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#QPKmTjJhYRmPIgND.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #QPKmTjJhYRmPIgND .shmktpl-title, #QPKmTjJhYRmPIgND .sub-heading-container, #QPKmTjJhYRmPIgND .filter-check-options-cntnr, #QPKmTjJhYRmPIgND .listing-header-cntnr { display: none; } #QPKmTjJhYRmPIgND.title .shmktpl-title, #QPKmTjJhYRmPIgND.subHeading .sub-heading-container, #QPKmTjJhYRmPIgND.multiSelectFilter .filter-check-options-cntnr, #QPKmTjJhYRmPIgND.resultsText .listing-header-cntnr { display: flex; } #QPKmTjJhYRmPIgND.sizeone .add-overlay-content { width: 62%; height: auto; } #QPKmTjJhYRmPIgND.sizeone .disclosure-title { padding: 6px 0px; } #QPKmTjJhYRmPIgND.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #QPKmTjJhYRmPIgND .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #QPKmTjJhYRmPIgND.sizeone .title-container { margin-top: 0; } #QPKmTjJhYRmPIgND.sizeone .non_featured_list { margin-top: 0; } #QPKmTjJhYRmPIgND.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #QPKmTjJhYRmPIgND.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #QPKmTjJhYRmPIgND .item { flex: 1 1 calc(50% - 48px); } #QPKmTjJhYRmPIgND .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #QPKmTjJhYRmPIgND .item:nth-of-type(4n+3), #QPKmTjJhYRmPIgND .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #QPKmTjJhYRmPIgND .item:nth-of-type(4n+1), #QPKmTjJhYRmPIgND .item:nth-of-type(4n+1) + * { background-color: #fff; } #QPKmTjJhYRmPIgND .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #QPKmTjJhYRmPIgND .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #QPKmTjJhYRmPIgND .desktop, #QPKmTjJhYRmPIgND .desktop-inline { display: none; } #QPKmTjJhYRmPIgND .mobile { display: block !important; } #QPKmTjJhYRmPIgND { padding: 0 18px; } #QPKmTjJhYRmPIgND .shmktpl-title { font-size: 24px; line-height: 29px; } #QPKmTjJhYRmPIgND .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #QPKmTjJhYRmPIgND .add-overlay-content { width: 80%; height: auto; } #QPKmTjJhYRmPIgND .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #QPKmTjJhYRmPIgND .row-1 { flex-flow: column; padding: 16px; } #QPKmTjJhYRmPIgND .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #QPKmTjJhYRmPIgND .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #QPKmTjJhYRmPIgND .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #QPKmTjJhYRmPIgND .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #QPKmTjJhYRmPIgND .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #QPKmTjJhYRmPIgND .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #QPKmTjJhYRmPIgND .prop-value { margin-top: 0; } #QPKmTjJhYRmPIgND .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #QPKmTjJhYRmPIgND .non_featured_list { margin-top: 18px; } #QPKmTjJhYRmPIgND .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #QPKmTjJhYRmPIgND .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #QPKmTjJhYRmPIgND .item:nth-child(3n), #QPKmTjJhYRmPIgND .desktop-bg { background: none; } #QPKmTjJhYRmPIgND .prod-desc-popup-content { padding: 0; } #QPKmTjJhYRmPIgND .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #QPKmTjJhYRmPIgND .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #QPKmTjJhYRmPIgND .disclosure-content ul { padding-left: 14px; line-height: 28px; } #QPKmTjJhYRmPIgND .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #QPKmTjJhYRmPIgND .additional-features { flex: 0 0 100%; } #QPKmTjJhYRmPIgND .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #QPKmTjJhYRmPIgND.sizeone .listing-header-cntnr { display: none; } #QPKmTjJhYRmPIgND.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #QPKmTjJhYRmPIgND .prod-desc-popup-content { position: fixed; } } #QPKmTjJhYRmPIgND.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #QPKmTjJhYRmPIgND.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #QPKmTjJhYRmPIgND.listingAlignment .logo-image-wrapper img { width: 100%; } #QPKmTjJhYRmPIgND.listingAlignment { padding: 0px; } #QPKmTjJhYRmPIgND.listingAlignment .listing-title { font-size: 14px; } #QPKmTjJhYRmPIgND.listingAlignment .listing-title span { font-size: 14px; } #QPKmTjJhYRmPIgND.listingAlignment .row-1 { padding: 26px 10px; } #QPKmTjJhYRmPIgND.listingAlignment .prop-name { font-size: 10px; } #QPKmTjJhYRmPIgND.listingAlignment .prop-value { font-size: 14px } #QPKmTjJhYRmPIgND.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #QPKmTjJhYRmPIgND.listingAlignment .logo-column.flex-container { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .prop-conatiner { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .ad-copy-column.flex-container { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .cta-column.flex-container { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .disclosure-content ul li::before { content: unset; } #QPKmTjJhYRmPIgND.listingAlignment .disclosure-content ul li { list-style: disc; } } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #QPKmTjJhYRmPIgND.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #QPKmTjJhYRmPIgND.ctaAlignment .cta-column.flex-container { display: block !important; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button { font-size: 16px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #QPKmTjJhYRmPIgND .sh-no-listing-msg { padding: 20px 0px; } #QPKmTjJhYRmPIgND .sh-widget-footer-MBT { display: none; } #QPKmTjJhYRmPIgND.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #QPKmTjJhYRmPIgND.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #QPKmTjJhYRmPIgND.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #QPKmTjJhYRmPIgND .sh-widget-footer-QS { display: none; } #QPKmTjJhYRmPIgND.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #QPKmTjJhYRmPIgND.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #QPKmTjJhYRmPIgND.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title, #QPKmTjJhYRmPIgND.customizeColorEffect .prop-name, #QPKmTjJhYRmPIgND.customizeColorEffect .prop-value, #QPKmTjJhYRmPIgND.customizeColorEffect .curDate, #QPKmTjJhYRmPIgND.customizeColorEffect span.current-date, #QPKmTjJhYRmPIgND.customizeColorEffect .disclosure-content ul li, #QPKmTjJhYRmPIgND.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #QPKmTjJhYRmPIgND.customizeColorEffect .add-text, #QPKmTjJhYRmPIgND.customizeColorEffect .see-more-text, #QPKmTjJhYRmPIgND.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #QPKmTjJhYRmPIgND.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #QPKmTjJhYRmPIgND.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #QPKmTjJhYRmPIgND.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #QPKmTjJhYRmPIgND.sizeone.customizeColorEffect .header-section, #QPKmTjJhYRmPIgND.customizeColorEffect .row-2 { background: #E9F0EC; } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title { display: unset; } #QPKmTjJhYRmPIgND.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title .prod-name:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .add-text:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .disclosure-contnr .text:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .see-more-text:hover { color: #EB0017; } #QPKmTjJhYRmPIgND.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #QPKmTjJhYRmPIgND.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #QPKmTjJhYRmPIgND.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title { display: block; } #QPKmTjJhYRmPIgND.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #QPKmTjJhYRmPIgND.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #QPKmTjJhYRmPIgND .sh-right-arrow { display: none; } #QPKmTjJhYRmPIgND.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #QPKmTjJhYRmPIgND.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #QPKmTjJhYRmPIgND.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #QPKmTjJhYRmPIgND{position:relative;}.add-overlay-content{right: 4%;}#QPKmTjJhYRmPIgND .shmktpl-button span.btn__text::after{display:none;} #QPKmTjJhYRmPIgND .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #QPKmTjJhYRmPIgND .shmktpl-button:hover{background:#0E86DE;} #QPKmTjJhYRmPIgND .add-text:hover {color:#0E86DE;} #QPKmTjJhYRmPIgND .listing-title .prod-name:hover{color:#0E86DE;} #QPKmTjJhYRmPIgND .disclosure-contnr .text:hover{color:#0E86DE;} #QPKmTjJhYRmPIgND .see-more-text{width:68px} #QPKmTjJhYRmPIgND .see-more-text:hover{color:#0E86DE;} #QPKmTjJhYRmPIgND .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best savings account rates on November 3, 2025: Earn up to 5.00% APYThe best high-yield savings account rate of 5.00% can be found at Varo Bank.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their savings. Here are the highest savings account rates:FDIC average national deposit rates January 2020 to presentChoosing a high-yield savings account guarantees that you can beat the low average rates offered by most savings institutions in the U.S. The national average savings rate right now is0.41%%. This is down from 0.47% in March 2024, months before the Fed reduced interest rates in late 2024.High-yield savings account news in 2025The Fed’s decision to lower interest rates last year had an immediate impact on savings accounts. Average savings rates tend to follow the lead of the federal funds rate: When the Fed raises its benchmark rate, banks generally raise APYs on savings accounts to remain competitive. Conversely, when the central bank cuts rates, savings account yields decline.Just keep in mind that while this correlation is true for average rates, individual banks decide to raise or lower their savings account APYs based on a variety of factors beyond just Fed rates. These include their own financial goals, promotions for attracting new customers, and other market conditions. Beware, banks can change your savings account APY at any time, for any reason.The Fed cut the federal funds rate three times in Q4 of 2024, reducing it to 4.25%-4.50%. Then, at its Sept. 16-17, 2025 meeting, the central bank reduced the fed funds rate further to 4.00%-4.25%, where it stands now. Banks may have incentive to reduce their APYs in light of this and the possibility of additional cuts at the Fed’s remaining two meetings later this year.Why should you choose a high-yield savings account?To be clear, there’s no such thing as a special class of bank accounts called “high-yield savings accounts.” There’s simply a group of U.S. financial institutions that tend to offer savings account rates that are much higher than the industry average. Financial experts call them high-yield savings accounts.For example, while the average savings rate in the U.S. is0.41%%, many high-yield savings accounts offer rates above 4.00%—that’s something like 10 times the average rate.Banks that offer conventional savings accounts with lower rates tend to have bricks-and-mortar branch networks and offer a full suite of deposit and lending products. Meanwhile, institutions that offer high-yield savings accounts are typically online banks with a very limited menu of other banking products and no access to physical branches.People who want the highest possible returns on their savings should opt for a high-yield savings account. They often have no minimum balance requirements or monthly fees, making them an ideal choice for your emergency fund or short-term financial goals. Online banks are insured by the Federal Deposit Insurance Corp. (FDIC), providing the same protection as conventional banks.Before choosing a savings account, consider the following factors:Interest rates:Look for competitive APYs to maximize your earnings.Low or no minimums:Many high-yield accounts have no minimum balance requirements.No monthly fees:Avoid accounts with monthly maintenance fees that can eat into your savings.Accessibility of funds:Ensure you can easily withdraw or transfer money when needed—some banks have withdrawal limits and charge fees for foreign ATMs.Security and insurance:Verify that the account is FDIC-insured.No matter what type of savings account you hold, you can expect to pay taxes on any interest you earn.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; 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left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsHow often do APYs on high-yield savings accounts change?There’s no set answer for how often the rate on your high-yield savings account may change. In short, your bank or credit union can change it at their discretion. However, it’s typically a useful rule of thumb that when the Federal Reserve raises or lowers its benchmark federal funds rate, financial institutions are likely to increase or decrease the rates they offer consumers accordingly.Should I switch banks if I find a savings account with a higher rate?The brief answer is “maybe.” There isn’t a limit to the number of savings accounts you can have at different institutions. But, keep in mind there may be a minimum deposit requirement to earn an account’s max APY. You’ll also want to evaluate how dramatic the difference in rate is and whether the increased interest you’d earn is worth the effort to make the change.For example, depositing $1,000 in an account with a 4% APY and leaving it there for a year without additional deposits might earn you approximately $39.98 in interest. If the same account had a 4.5% APY, you might earn $44.98 under the same circumstances.How easy is it to withdraw money from a HYSA?This can vary by institution. But in general, many banks will let you link external accounts digitally, so initiating a transfer should be something you can do with a few clicks. Note that while it’s not a federal restriction any longer, a lot of institutions still enforce the cap of six withdrawals from your savings account per statement cycle.Should I choose an online-only bank for my HYSA?Because they’re able to keep costs associated with brick-and-mortar locations down, an online-only bank might be able to offer a higher APY than you’re likely to find elsewhere. For that reason, they’re well worth considering when you’re shopping around for a high-yield savings account.Can I lose money in a high-yield savings account?Before you open an account, make sure your savings will be insured by the Federal Deposit Insurance Corporation (FDIC) if the account is with a bank or the National Credit Union Administration (NCUA) if the account is at a credit union. That should protect you against losing money.It’s also worth noting that money in a savings account is not at risk of a loss in the same way as money invested in the stock market. However, your money could still lose purchasing power if inflation outpaces your account’s APY.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-16 02:40:43

Current ARM mortgage rates report for Nov. 5, 2025

If you’re the type of homebuyer who is willing to deal with a little uncertainty in exchange for the possibility of getting a low rate, an adjustable-rate mortgage might be right for you. These can be particularly good options for homebuyers planning to rent out or flip an investment property, or who know they intend to move before the loan’s introductory fixed-rate period ends.Read on and we’ll break down how ARMs work, consider when they might be worth considering over the far more common fixed-rate home loan, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of Nov. 4. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.564%6.642%6.732%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.564%U.S. Bank 7/6 ARM6.642%Zillow Home Loans 7/6 ARM6.732%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans account for about 92% of all mortgages in U.S. households. Unlike ARMs—where interest rates can increase or decrease after an initial fixed period—a fixed-rate mortgage guarantees the same rate for the entire loan term. This consistency gives them an obvious appeal.However, there are situations where ARMs might be worth considering. Roughly 8% of borrowers choose these loans because they see unique advantages.When you might consider an adjustable-rate mortgageThree types of buyers often find ARMs beneficial:Starter home buyers:If you plan to move within a few years, an ARM may let you capitalize on a low initial rate without having to worry about future adjustments, as you intend to sell the home before the fixed period ends.Investors:Real estate investors who intend to flip a house or rent it out may use ARMs to minimize upfront costs, then sell the property or adjust the rent amount when rates change.Buyers facing high-interest markets:During periods of elevated interest rates, ARMs might offer lower upfront costs and may even provide relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically feature a low fixed interest rate for a predetermined period—such as three, five, seven, or 10 years—followed by periods of adjustment. Factors affecting ARM rates during the adjustments include:Benchmark indices:ARM rates are often tied to benchmarks like the SOFR. The U.S. Treasury publishes an updated SOFR each day, reflecting the overnight costs faced by banks for borrowing cash. Margins:Lenders add margins (fixed percentages) to benchmarks when calculating your ARM’s final rate. These can often range from 2% to 3.5%.Caps:Rate caps limit increases during specific intervals or throughout the loan term (e.g., initial adjustment caps, subsequent caps).In most instances ARMs will be 30-year loans. Popular ARM structures include 5/1 and 10/6—meaning a fixed rate for five years and then annual adjustments, and a fixed rate for 10 years and adjustment periods every six months, respectively. There are also 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageIf your plans change, you can likely decide to refinance into a fixed-rate mortgage. For instance, say you decide to stay in your home longer than you initially thought you would.You’re not alone if that’s the situation you find yourself in, as many Millennial and Gen Z homeowners can’t afford to upgrade and are getting by with their starter homes.Much like refinancing from one fixed-rate loan to another (which is often done to obtain a better rate or to tap equity) refinancing from an ARM to a fixed-rate loan involves shopping around with lenders, providing documentation to show you meet their requirements, and paying off your existing mortgage.Pros and cons of adjustable-rate mortgagesARMs come with positives and negatives you should weigh before applying for this type of mortgage. And, working with a trusted loan officer can help you determine if this is really the right loan type for you. Here are some basics to consider. N/AProsChance for a lower rate at first.During the fixed introductory period, you may find an ARM offers you a lower rate than you could get on a fixed-rate mortgage.Potential for easier qualification.Some borrowers may find they’re more likely to qualify for an adjustable-rate mortgage than for a fixed-rate loan. Possible savings down the road.This is not guaranteed, but if market rates decrease during adjustment periods, your monthly payment might go down accordingly.ConsPossibility for payments to rise.Remember, adjustment periods are dependent on what’s happening with the market. Just like there’s a chance for your rate and thus your monthly payment to go down, the converse could happen.Hard to comparison shop.Complex terms can make comparison shopping for a good rate on an ARM more difficult than with common fixed-rate mortgage types. Less predictability.Once you take out a fixed-rate mortgage, you’re locked into that rate as long as you have the loan. This can give you a little more stability in terms of monthly payment (though you may still face changes to things like homeowners insurance or your HOA dues). With ARMs, you need a certain level of risk tolerance.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-19 05:51:37

Informa forecasts robust year-end results, buoyed by strategic growth in India and the Middle East

Informa, the events and digital services giant, has announced that it is on track to meet its full-year guidance, with growth fuelled by its strong presence in India and the Middle East. The FTSE 100 company anticipates hitting its already upgraded full-year guidance of over £3.5bn in revenue and £975m in adjusted operating profit, with free cash flow also expected to rise to £750m, as reported by City AM. Informa reported growth across all major regions, partly driven by a 10 per cent market expansion into India, Middle East and Africa (IMEA). In the first ten months of 2024, the firm recorded double-digit underlying revenue growth of 10.7 per cent. It highlighted a robust performance in IMEA, across rapidly expanding markets including Bahrain, Egypt, India, Saudi Arabia, Turkey and the UAE. The Americas also posted strong results, accounting for around 45 per cent of group revenue over the period. Stephen Carter, CEO of Informa, stated: "Informa continues to deliver a strong performance in 2024, with forward bookings providing momentum into 2025.He added: " He added: "This year sees us complete our four-year GAP2 programme, where our performance has demonstrated the structural growth in our chosen markets, our geographic strength in the US and IMEA in particular, and the power of our market-leading specialist B2B Brands and proprietary first party data."

Personal Finance 2025-12-07 00:12:29

Current refi mortgage rates report for Nov. 5, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.40%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.40%20-year6.41%15-year5.67%10-year5.84%Jumbo mortgages30-year7.13%15-year6.16%FHA loans30-year6.65%15-year5.63%VA loans30-year6.25%15-year5.91%Note thatFortunereviewed the most recent Zillow data available as of Nov. 4.How mortgage refinancing worksMortgage refinancing essentially involves paying off your existing home loan with a new one. Similar to when you applied for a mortgage the first time, you’ll need to apply for the refinance loan and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process generally means there will be a small hit to your credit score due to the hard inquiry. And, you should be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers thought that mortgage interest rates would fall alongside the cuts made by the Federal Reserve to the federal funds rate late last year. However, that didn’t happen, and interest rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate mortgages—for months. Rates did drop slightly toward the end of February, moving closer to 6.5% than had been seen in a while. Still, rates remain elevated well above pandemic-era lows, when some homeowners got mortgages with rates in the 2% and 3% range. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners carrying a mortgage had an interest rate under 6%. Many Americans have felt locked in, unwilling or unable to move or refinance while rates remained high.There was finally some relief leading up to the Fed’s meetings in September and October, with rates trending noticeably downward ahead of the September meeting and inching downward leading into the October meeting. The central bank cut the federal funds rate at both of those meetings, with a quarter percentage point reduction each time.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs. One rule of thumb you’ll hear referenced is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For example, if rates drop and you’re able to move from a 7% rate to a 6% rate, that’s worth seriously considering.You might also want to refinance if you need to tap your home equity—this can be done via a cash-out refinance, which typically requires that you have built up at least 20% equity in your home.  Refinancing can also help change your loan term or switch loan types, such as moving from an FHA loan to a conventional one to get rid of a lifetime mortgage insurance (MIP) requirement, or changing from an adjustable-rate mortgage (ARM) to a fixed-rate loan.It can also be beneficial to refinance if you want to adjust your loan term. For instance, switching from a 15-year to a 30-year mortgage can provide smaller monthly payments, which might be more manageable if your financial situation has changed from when you took out the loan.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your existing lender).Different types of mortgage refi loansSeveral types of refinance options exist, each suited to different goals:Rate-and-term refinance:This is what you’re looking for when you seek to lower your interest rate or change your loan term—though be aware if you shorten your repayment term this will almost certainly result in higher monthly payments.Cash-out refinance:Leverage your home equity by paying off your existing loan and taking out a larger loan, while receiving the difference in cash.No-closing-cost refinance:The lender covers closing costs in exchange for a higher interest rate. This is a refi to approach with educated caution, but could be worthwhile in certain cases. Streamline refinance:Available for FHA, VA, and USDA loans, offering a simpler application process and oftentimes less paperwork. Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around may help you find lower rates and possibly even better service. But, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should broach the topic of refinancing with your existing lender before you make a decision. Lastly, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Travel 2025-11-30 19:25:33

The Milan bistros, Melbourne cocktails and cosy Dutch hotels to have on our radar

Melbourne PlaceMelbourne“There’s a sameness about many Australian hotels that we wanted to get away from,” says Patrick Kennedy, co-principal of architecture firm Kennedy Nolan. When the practice was commissioned to design a 16-storey hotel in Melbourne’s CBD, it took inspiration from “family-owned properties in Europe”. Melbourne Place has a brick and tinted-concrete exterior that reflects the spirit of the area’s older buildings. “Melbourne has been keen to preserve 19th- and 20th-century masonry buildings,” says Kennedy. “We engaged with those aspirations closely.” The hotel offers 191 guest rooms and suites. melbourneplace.com.auSandìMilanHidden away on a residential street in Porta Venezia, bistro Sandì has swiftly become a neighbourhood favourite. The project is overseen by chef Laura Santosuosso, originally from Modena, and her partner, Denny Mollica (pictured, on left, with Santosuosso), who takes care of front of house and pulls together an unconventional, ever-evolving wine list.Sandì – a portmanteau of Santosuosso’s surname and Mollica’s nickname – occupies a beautiful 1960s street-level space that was once a bakery. Original design details have been preserved, including a Palladian marble floor with flashes of pink. In-demand design studio Parasite 2.0 is behind the subtle refurbishment work and the striking metal-and-glass wall at the far end that opens like a kiosk.Santosuosso has worked at some of Milan’s finest restaurants – from Erba Brusca and Remulass to Nebbia – and has also spent time in Paris. “The menu’s departure point is always Italian regional food,” says the chef. “But there are influences from all of our travels too.” Dishes such as roasted cauliflower in a green pepper sauce are bursting with umami flavour. Other standouts include slow-cooked leeks in red wine, blue cheese and dark chocolate, and cabbage stuffed with red prawns and pork shoulder, served with a flavoursome bisque.The couple, who have a young son, currently only open Sandì for lunch, except on Fridays when the bistro also serves dinner. The aim, says Mollica, is to have “a place that is buzzing during the day” and to maintain a healthy work-life balance. The à la carte options are excellent but the set menu is undoubtedly Milan’s best meal deal: €25 for three inventive and scrumptious courses. “We want to have all of the comfort of dinner but at lunch,” says Santosuosso. We like their way of thinking. Via Francesco Hayez, 13Hotel RumourLeidenStudio Modijefsky – the Amsterdam-based firm behind the handsome Gitane restaurant and bar, as well as the revamp of the Blauwe Theehuis pavilion in the Vondelpark – is at it again. This time it has transformed a 17th-century carriage house in Rembrandt’s home city of Leiden into the cosy Hotel Rumour.The hotel’s terrace is dotted with tan parasols. There’s a downstairs brasserie clad in brown terracotta tiles and a travertine bar beneath original wooden ceiling beams. You’ll find texture everywhere, from the smooth sage-hued upholstery of the bar seating to the marble tabletops and bobbly beige stuccoed walls that hint at the age of the building. A staircase leads to La Suite Petite, which is available to rent for private bashes. It has space for 12 people and a private dining option. There’s also the Salone Royale (with room for 100) amid the attic’s atmospheric wooden rafters.Chef Thomas van der Slikke oversees a bistro with a menu of crowd-pleasers, which range from brunch staples to a dinner of sea bass or steak with a great wine list to choose from. It’s easy to stray into hyperbole when painting such a comely portrait of a new opening but let’s just say that the hotel’s success isn’t just a rumour. hotelrumour.nl

Tech 2025-12-02 11:20:48

Wootzano hails new Malaysian partnership as it launches £500,000 crowdfunding bid

Robotics developer Wootzano has announced yet another overseas partnership it says is worth millions of pounds, at the same time as a crowdfunding bid to raise £500,000. The Tyneside-based maker of post-harvest, robotic packing systems, which was named Business of the Year at the 2024 North East Business Awards, has secured its latest partnership with Malaysian consultancy VCI Global in a bid to sell its technology into the country's agricultural market. Wootzano says the agreement is worth £30m and marks a "pivotal moment" in the company's international growth. The deal will see Wootzano's flagship Avarai robot introduced to Malaysian customers. It is equipped with the firm's ground breaking electronic skin that helps the machine sense, pick and pack delicate produce with capabilities similar to a human. Kuala Lumpur-based VCI Global is a diversified holding company with subsidiaries specialising in consulting, fintech, AI, robotics, and cybersecurity. Last year it listed on Nasdaq and is said to be an ideal partner for Wootzano thanks to its support for emerging technologies. Atif Syed, CEO of Wootzano, said: "This partnership with VCI Global is a powerful endorsement of Wootzano’s vision to bring high-tech robotics to the forefront of agriculture. Avarai has the potential to revolutionise post-harvest processes, driving both efficiency and sustainability. We’re thrilled to play a role in Malaysia’s transition to advanced, tech-driven agriculture." The Malaysian partnership follows a successful period establishing overseas partnerships for Wootzano, including in the US, Canada and Japan, and comes after the firm's move from County Durham to Tyneside earlier this year. Mr Atif added: "Wootzano’s expansion into Malaysia, alongside our presence in Australia, Japan, the US, and Canada, marks a significant milestone in our mission to make Avarai accessible beyond high labour-cost regions. This breakthrough in Malaysia demonstrates that our technology is now viable and valuable in diverse markets, opening up tremendous potential across Southeast Asia, the Middle East, and South Asia. We are excited about this development, as it showcases the adaptability and global impact of Avarai in revolutionising the fresh produce industry worldwide." Coinciding with news of the Malaysia agreement, Wootzano has launched a crowdfunding campaign via Crowdcube that is seeking £500,000 to fuel the scaling of its operations in the UK and the US. So far the firm has already raised more than £337,000 of that target from four investors.

Personal Finance 2025-12-21 14:57:14

Current refi mortgage rates report for Nov. 3, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.36%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.36%20-year6.41%15-year5.59%10-year5.84%Jumbo mortgages30-year6.93%15-year6.17%FHA loans30-year7.13%15-year5.66%VA loans30-year5.72%15-year5.87%Note thatFortunereviewed the most recent Zillow data available as of October 31, 2025.How mortgage refinancing worksA mortgage refinance essentially pays off your existing home loan with a new one. Just like when you applied for a mortgage the first time around, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. Note that this means your credit score will likely take a small hit due to the hard inquiry. And it also means if you don’t meet the lender’s requirements, you can be denied for a refi loan.What’s happening with mortgage rates in the market?Some observers hoped mortgage interest rates would fall in tandem cuts made by the Federal Reserve to the federal funds rate late last year. But, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—looking at the nationwide average for 30-year, fixed-rate loans—for months.Rates have remained well above the pandemic-era lows, when some homeowners snagged loans with rates in the 2% and 3% range. Many remain locked in, unwilling to move or refinance in the current environment. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%.Still, homeowners finally started getting some relief in late August and early September of 2025, when mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting—at which the central bank delivered the year’s first rate cut.When it might make sense to refinance your mortgageAs we’ll cover more in the next section, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One common guideline is that if you can get a new rate that’s a full percentage point lower than your current rate, it’s worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% might find it worth their while to refinance if rates drop and they can get a new loan with a 6% rate.It may also be worth refinancing to tap your home equity through a cash-out refi. Note that you’ll typically need to have at least 20% equity in your home for this. So, if you purchased the place with the 5% minimum down payment—or 3% for first-time homebuyers—typically available on conventional loans, it could take a while before you’re eligible for a cash-out refi.Yet another situation where you might benefit from refinancing is to change your loan term. For example, maybe you took out a 15-year mortgage intending to save on interest charges in the long run in exchange for higher monthly payments. But life is unpredictable, and maybe you’ve decided the monthly payments are spreading your budget too thin. Refinancing to a 30-year loan may offer the flexibility to make smaller monthly payments that fit your budget better.There are also cases where it can make sense to switch loan types. If you have an FHA loan with a lifetime requirement to pay mortgage insurance, for instance, refinancing so you can change your mortgage to a conventional loan could provide an opportunity to ditch that insurance cost (called MIP on an FHA loan or PMI on a conventional). Or, if you initially took out an adjustable-rate mortgage (ARM) and you’ve realized you intend to keep the loan for a significant number of years, refinancing to switch to a fixed-rate mortgage might be a smart way to avoid rate hikes when your ARM’s adjustment period kicks in.Costs to refinance your mortgageMuch like a traditional home loan taken out to purchase a property, refinancing a mortgage involves closing costs that run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might  pay anywhere from $6,000 to $18,000 in refi closing costs. Here are some of the costs you might see on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans on the market, and the right one for your needs will depend on what you’re aiming to accomplish and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is the most popular refi option that allows you to lower your interest rate and/or shorten your loan term. While shortening your loan term does typically earn you a lower rate and hefty lifetime interest savings, you’ll be locked into higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by replacing your existing loan balance with a new, larger one and withdraw the difference in cash. You can use the money for home improvements, consolidating high-interest debt or other financial goals.No-closing-cost refinance:With this option, your lender covers your closing costs in exchange for charging you a higher interest rate. If you don’t have cash upfront for closing costs and could otherwise benefit from a refinance, this option may be worth looking into.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, these refi options involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneThere’s no requirement that you refinance with the same lender you got your original mortgage from. Thus, it’s worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stick with them, such as waiving a portion of the closing costs. Since these charges can be an expensive upfront cost, it’s worth checking with your existing lender about incentives—as that might reduce the barrier to refinancing and allow you to refi more easily than you’d otherwise be able to. Finally, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs such as Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Personal Finance 2025-12-25 20:31:54

Current ARM mortgage rates report for Oct. 31, 2025

While fixed-rate mortgages are far more popular than adjustable-rate mortgages, the latter are worth considering if you’ve got a little tolerance for uncertainty. That’s because an ARM may offer a low rate during its introductory period before adjustments kick in—making this loan type potentially attractive for folks planning to rent out or flip the property they’re buying, or who are planning to move before the introductory period comes to an end.Stay with us and we’ll walk you through how ARMs work, take a look at when they might be considering instead of a regular fixed-rate mortgage, and consider current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of October 30, 2025. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.625%5.750%6.250%APR6.518%6.523%6.796%Interest RateBank of America 7/6 ARM5.625%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM6.250%APRBank of America 7/6 ARM6.518%U.S. Bank 7/6 ARM6.523%Zillow Home Loans 7/6 ARM6.796%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans represent roughly 92% of all U.S. mortgages—a testament to their reliability. Unlike ARMs, which allow interest rate changes after an initial period, fixed-rate loans guarantee one rate for the life of the mortgage. This predictability makes them appealing to many.Still, ARMs may offer benefits in certain situations. After all, about 8% of borrowers opt for them over the more common fixed-rate loans.When you might consider an adjustable-rate mortgageThree types of buyers may favor ARMs:Short-term homeowners:If relocation is likely within a few years, ARMs may offer savings through low introductory rates while moving before future adjustments become a concern. But, weigh carefully if you’ll actually be able to move out of your starter home as quickly as you intend. Property investors:Investors may leverage ARMs for a low initial rate, then may flip the home before adjustment periods kick in or may increase rent during periods of higher interest rates if they’re renting out the property. Buyers facing elevated interest levels:During high-interest periods, ARMs might offer a lower rate during the introductory time frame and even the potential for rate reductions down the line if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs generally start with low fixed interest periods lasting three to 10 years before shifting into adjustment periods. During the adjustments, your rate will be influenced by factors including:Benchmark indices like SOFR:Your ARM will typically be tied to a benchmark, commonly SOFR. This rate reflects the cost for banks to borrow cash overnight. The U.S. Treasury publishes a new SOFR each morning.Margins added by lenders:Margins are fixed percentages, which can often range between 2% and 3.5%, added by lenders to whatever benchmark is used for your ARM. The benchmark plus the margin helps determine your mortgage rate. These can vary based on things like your specific lender and your credit profile. Rate caps:Adjustment caps limit how much your rate can increase during specific intervals or over the loan’s lifetime. These can include initial, subsequent, and lifetime caps.Common ARM structures include the 5/1 ARM (five years fixed, then annual adjustments) and the 10/6 ARM (10 years fixed, then adjustments every six months). Other structures include 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageSometimes, circumstances change. Maybe you bought a home intending to flip it, then realized it made a lot of sense to keep as your primary residence. Or maybe you bought a starter home and then realized you wouldn’t be moving as quickly as intended. In the latter case, you’re not alone. A large chunk of Millennial and Gen Z homeowners are sticking it out with their starter homes because they can’t afford to upgrade.In such situations, it might make sense to refinance from an ARM to a fixed-rate mortgage. The process for doing this is much the same as refinancing from one fixed-rate loan to another. You’ll shop around with various lenders, submit the documents required for the application, and pay off your existing loan in full with the new one.Pros and cons of adjustable-rate mortgagesAs with any mortgage type, ARMs have benefits and drawbacks. Evaluate them carefully with a trusted loan officer to decide if this is the best type of mortgage for your situation. To get you started, a few key points are outlined below.N/AProsPotential for a lower introductory rate compared with fixed-rate loans.Chance for reduced monthly payments if the market improves and rates go down.Some borrowers might find qualifications less stringent on ARMs.ConsMonthly payments can increase significantly after the fixed period ends.Comparing offers is likely to be more complicated than with fixed-rate loans.There’s less predictability and stability compared to fixed-rate mortgages.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tech 2025-12-24 10:53:44

UK fintech funding races ahead of Europe as sector looks for 2025 rebound

New figures reveal that the UK's fintech sector trailed only the US in total investment last year, despite a significant decline in funding compared to 2023 levels. While global fintech investment decreased by 20% to $43.5bn (£35.2bn), the UK secured $3.6bn (£2.9bn) in funding, surpassing the combined total of the next five European countries, data from Innovate Finance shows, as reported by City AM. Despite the downturn in new capital, industry experts anticipate a rebound in 2025. "When we've been speaking with investors, they're positive about 2025," Janine Hirt, CEO of Innovate Finance, commented to City AM. "There was a bit of dry powder there waiting, and now going forward, there's a lot more clarity as we're in a post-Budget, post Mansion House environment. There is certainty around the government, both here and in the US. " Although the UK maintained its second-place position globally, its funding decline outpaced the worldwide average, closely followed by India, which reported $2.2bn (£1.8bn) in fintech investments for the year. In 2024, major UK deals included a $621m funding round for Monzo and $267m for Zepz. However, female-led fintechs experienced a stark 78% drop in investment, garnering just $120m (£97m), or 3.3% of all UK funding. "It is a clear indication that we need to be doing more, because that is a hugely disappointing number, and we have to take action to try and increase that," Hirt stated.

Travel 2025-12-08 21:04:12

Passing through Nairobi? Make this retreat your new base camp

As well as a thriving capital, Nairobi is a layover city for those on the way to Lamu Island or the plains of Masai Mara. Travellers zipping in and out often find themselves with lengthy layovers: domestic and international flights aren’t always well timed and the two airports – Jomo Kenyatta and Wilson – are a 30-minute drive from each other, making for tense stopovers.To buy time, some travellers book into generic airport hotels. But those in the know opt for The Retreat, a collection of day rooms at Giraffe Manor. The hotel is located in the leafy suburb of Langata and known, as the name suggests, for its wildlife. Here, layovers can be maximised and enjoyed rather than endured.The Retreat was created specifically for those who have a couple of hours to kill between flights. Upstairs, a collection of suites overlooks the gardens. Travellers can take a nap or spend time in the communal areas; swimming in the pool, lounging around the fireplace or eating at the hotel restaurant, Daisy’s. The spa is probably the biggest pre- and post-flight draw, with a sauna, steam room and gym, as well as treatments for tight neck muscles and dry skin.After checking in and freshening up, there are ample ways to maximise a layover and whittle away the hours in Kenya’s capital, a buzzing metropolis worth exploring in its own right. The city’s art scene is booming thanks to the Nairobi Contemporary Art Institute highlighting the work of East African artists. Gallery hopping and long meals at restaurants such as the highly recommended Cultiva are best enjoyed once you’ve scrubbed up post long-haul flight.For those passing through Nairobi, finding the right base camp from which to recharge can set the tone of a trip. Perhaps in-between hotels would work elsewhere too.thesafaricollection.com

Tech 2025-12-15 21:36:22

Teesside tech firm to expand with multimillion-pound investment

Teesside tech specialist Salesfire is set to enhance its platform with AI technology and create new jobs, following a £2.75m investment. The Middlesbrough-based firm, established in 2017, aids clients such as Hamleys, Moss Bros, Select fashion, Sportsshoes.com and Trespass in boosting sales via their ecommerce sites, with its software now used by over 700 brands. The company has secured an additional £2.75m from NPIF II – Mercia Equity Finance, managed by Mercia Ventures as part of the Northern Powerhouse Investment Fund II. The funding will be used to integrate the latest AI-powered technology into its platform and generate more than 10 new jobs within the next two years. Salesfire's software creates a profile for each visitor to a company's website, using behavioural cues to comprehend their interests and shopping habits. This allows retailers to personalise the customer experience, guide shoppers through the purchasing process, and re-engage with them to foster relationships. The firm is developing new AI technology that will provide deeper insights into customer behaviour, such as identifying anonymous individuals with different user accounts. Founder Rich Himsworth believes this will be particularly beneficial once existing tracking tools like cookies are phased out. Mr Himsworth, who previously worked in software and marketing, founded Salesfire seven years ago and has since grown the company to employ 65 staff, generating £3m in annual recurring revenue. Following initial backing from Mercia and NPIF in 2022, the latest funding round brings the total investment to over £5m. Mr Himsworth stated: "Salesfire's mission is to help retailers grow their e-commerce sites and drive revenue. Our new Salesfire AI technology will be revolutionary in giving them scope to identify more anonymous site traffic and opening up a whole new world of marketing and data opportunities. We are pleased to have the continued support of our investors in this latest round and really excited to be at the forefront of AI in e-commerce." Chris McCourt of Mercia Ventures said: "Salesfire stands out from competitors by offering the type of sophisticated features normally only available in more costly products. Its new AI technology will make the platform even more powerful and initial trials have shown it can further increase sales. This Investment will enable the business to accelerate its development and further differentiate itself in the market." The funding comes from NPIF II – Mercia Equity Finance, which provides equity investments in the Yorkshire and Humber regions. The Northern Powerhouse Investment Fund II (NPIF II), valued at £660m, spans the entire North and offers loans ranging from £25,000 to £2m, as well as equity investments up to £5m.

Personal Finance 2025-12-23 07:58:57

Current price of gold as of November 5, 2025

At 9:05 a.m. Eastern Time on November 5, 2025, gold was valued at $3,977 per ounce. That’s a $7 uptick from the same time yesterday and more than a $1,318 gain over the past year.Gold price per ounce% ChangePrice of gold yesterday$3,970-0.18%Price of gold 1 month ago$3,928-1.23%Price of gold 1 year ago$2,659-33.14%Price of gold yesterdayGold price per ounce$3,970% Change-0.18%Price of gold 1 month agoGold price per ounce$3,928% Change-1.23%Price of gold 1 year agoGold price per ounce$2,659% Change-33.14%If you want an investment that isn’t directly impacted by inflation variance, gold may fit the bill. Gold has a long-term record of appreciating in value. One of the more common ways of buying and holding gold is a gold IRA. It’s also a practical choice for those who want to avoid the cost and burden of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold doesn’t outperform traditional stocks in every financial situation. In strong economic climates, stocks can deliver higher returns over both short and long periods. From 1971 to 2024, stocks averaged 10.7% in annual returns, while gold averaged 7.9%.But in uncertain economic times, gold is seen as a safe, risk-averse asset. That’s why many people view it more as a store of value than a typical investment like stocks or bonds.What does “spot gold” mean?The spot gold price is the rate for immediate transactions when buying gold over-the-counter. This figure helps investors track real-time demand and trends. Simply put, a higher spot price reflects greater demand. Unlike futures, the spot price is for instant settlement.When the future price is above the spot price, it’s called contango, which is common for commodities with high storage costs. If the futures price is below the spot price, it’s known as backwardation.Many factors can affect the spot price, causing frequent changes. Active gold investors need to be prepared for this volatility.What is price spread in gold trading?A price spread is the difference between the buying and selling price of an asset.In gold trading, the ask price is what you pay to buy, and the bid price is what you receive when selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are tight, it suggests strong demand for gold.How to invest in goldIf you picture gold investing as diving into a pile of coins, you’re only half right. While you can buy physical bars, coins, or jewelry, gold is often traded as exchange-traded funds (ETFs).Popular gold investment options include:Gold bars:Also called bullion, sold by weight, with purity and manufacturer details stamped on the bar. Gold rounds are essentially the same, with the only notable difference being the shape of the bullion. Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars of the same weight due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, allowing speculation without handling the physical metal.Gold funds:Mutual funds or ETFs invested in gold assets, with values tied to the underlying portfolio.Is it a good time to invest in gold?Whether now is the best time to invest in gold is open to interpretation. Still, adding gold can help diversify your portfolio and reduce market volatility.Gold remains a steady asset in an unpredictable market. Prices have soared to all-time highs, up over 25% since the beginning of 2025, fueled by inflation and uncertainty. Many experts suggest this is a good time to diversify with gold.Current precious metals pricesas of 9:05 a.m. ET on November 5, 2025Precious MetalPrice per ounceGold$3,977Silver$48Platinum$1,548Palladium$1,421GoldPrice per ounce$3,977SilverPrice per ounce$48PlatinumPrice per ounce$1,548PalladiumPrice per ounce$1,421Silver, platinum, and palladium are also favored by investors. Gold is generally less volatile than silver, which can fluctuate widely in a single day. Silver’s industrial uses make it more responsive to economic changes.Platinum and palladium act similarly to silver. 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position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled, with ongoing inflation having a significant impact. Gold can serve as an inflation hedge in your portfolio. Thanks to various purchase methods, it’s a relatively accessible asset for most investors. Whether you invest through a gold IRA or a more hands-on account, gold can help you reach both short- and long-term financial targets.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which offer a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a solid choice for those seeking diversification and protection from inflation. There are many accessible ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historic value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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