Master your financial destiny with these game-changing money-saving strategies that help you channel your inner Prince Rogers Nelson.
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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. When implemented consistently over time, these rockstar savings approaches can transform your financial trajectory. By strategically combining these powerful money moves, you may revolutionize your relationship with…
An overgrown lawn can lead to some serious headaches — including fat fines and even forclosure.
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There are practical, financial and legal consequences if you don’t mow your lawn as required by local ordinances or homeowners association covenants. You could be fined. A lien could be placed on your property. In extreme cases, you could be foreclosed on or even go to jail.
Discover how cutting-edge artificial intelligence tools could be the key to securing a worry-free retirement.
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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Today’s AI tools offer incredible opportunities to help identify potential pitfalls and create personalized strategies for the best retirement investments. These revolutionary technologies are transforming the way…
Ace your next interview by studying these answers to common employer questions.
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You’re likely feeling a mix of excitement and anxiety as you’re preparing for your upcoming interviews. The most challenging aspect of interviewing is that you can’t know for sure exactly what a hiring manager is going to ask you. Instead of trying to memorize hundreds of possible interview questions and answers, focus on your skills and experiences and compare them to the job posting.
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Today’s best CD rates range from 4.50% to 4.65%. Short-term CDs — those usually under about 12 months — offer the highest APYs right now.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Rates are likely to hold steady for the near term, but it could be a smart move to lock in today’s competitive rates before the Fed makes potential rate cuts in May. Jump in now and make your money work harder for you.Below are some of the best CD rates we’ve found.BankAPYTermMinimum DepositOMB4.65%7 Months$1,000DR Bank4.65%6 Months$500United Fidelity Bank4.60%10 Months$1,000Brilliant Bank4.55%9 Months$1,000Marcus by Goldman Sachs4.50%14 Months$500LendingClub4.50%10 Months$2,500Data source: Issuing banks. Rates are accurate as of April 2, 2025.Why we chose these CDsExtremely competitive rates. Some CDs have slightly higher rates than those on our list, but most come with a catch.Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.Online convenience. Some banks require you to visit a branch to open a CD. The CDs on our list can each be opened straight from the issuer’s website.While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. LendingClub offers a solid alternative, with CDs that are easy to open and come from a well-known digital bank. If you value a smooth online experience and flexible terms, it’s worth a look. Explore LendingClub rates here.The Best CD Rates From Our Partners TodayWant to find the best CD for your timeline and goals? Explore top rates by term:Best CD Rates — Our expert picks for the top accounts available todayBest 6-Month CD Rates — Short-term savings with fast accessBest 12-Month CD Rates — Solid returns with just a 1-year commitmentBest 5-Year CD Rates — Maximize earnings over the long haulShould you open a CD now?CD rates have gone down since mid-2024, but they’re still deserving of attention. The Fed has opted to keep rates the same for now, though some predict possible cuts later in 2025.It could be a good idea to open a CD if you want safe, steady returns and protection from potential future rate cuts.CDs offer peace of mind with FDIC backing, covering up to $250,000 per person, per bank if a bank fails. They are low-risk, but the stock market might provide higher returns (with higher risk). Make your choice based on your goals and level of comfort.How to open a CDWhen you’re ready, you can open a CD in just a few simple steps:Shop around to find the highest APY for the term you want.Read the fine print and make sure you can meet the minimum deposit, if there is one.Apply for a new account on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.Link an existing bank account to transfer funds to a new CD. Remember that you can only make one deposit per CD.Click here to explore the best CD rates and open a high-yield CD today.Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:Pay out your initial deposit plus your earnings as cashReinvest your funds in a new CD with the same term (but potentially a different APY)Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.Earn up to 4.10% APY without locking up your moneyIf you want to earn a high APY with more flexibility and less commitment, look into a high-yield savings account.The best high-yield savings accounts allow you to:Deposit and withdraw money whenever you wantQuickly transfer money to other accountsSavings account rates are variable and can change at any time. However, high-yield savings accounts currently have APYs that rival the best CDs, making either one a great choice now, depending on your savings goals.If you want to earn a competitive APY without committing your cash for a minimum of several months, check out our list of the best high-yield savings accounts.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool has a disclosure policy.”}]] [[{“value”:”
Image source: The Motley Fool/Upsplash
Today’s best CD rates range from 4.50% to 4.65%. Short-term CDs — those usually under about 12 months — offer the highest APYs right now.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Rates are likely to hold steady for the near term, but it could be a smart move to lock in today’s competitive rates before the Fed makes potential rate cuts in May. Jump in now and make your money work harder for you.
Below are some of the best CD rates we’ve found.
Bank
APY
Term
Minimum Deposit
OMB
4.65%
7 Months
$1,000
DR Bank
4.65%
6 Months
$500
United Fidelity Bank
4.60%
10 Months
$1,000
Brilliant Bank
4.55%
9 Months
$1,000
Marcus by Goldman Sachs
4.50%
14 Months
$500
LendingClub
4.50%
10 Months
$2,500
Data source: Issuing banks. Rates are accurate as of April 2, 2025.
Why we chose these CDs
Extremely competitive rates. Some CDs have slightly higher rates than those on our list, but most come with a catch.
Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.
Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.
Online convenience. Some banks require you to visit a branch to open a CD. The CDs on our list can each be opened straight from the issuer’s website.
While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. LendingClub offers a solid alternative, with CDs that are easy to open and come from a well-known digital bank. If you value a smooth online experience and flexible terms, it’s worth a look. Explore LendingClub rates here.
The Best CD Rates From Our Partners Today
Want to find the best CD for your timeline and goals? Explore top rates by term:
Best CD Rates — Our expert picks for the top accounts available today
CD rates have gone down since mid-2024, but they’re still deserving of attention. The Fed has opted to keep rates the same for now, though some predict possible cuts later in 2025.
It could be a good idea to open a CD if you want safe, steady returns and protection from potential future rate cuts.
CDs offer peace of mind with FDIC backing, covering up to $250,000 per person, per bank if a bank fails. They are low-risk, but the stock market might provide higher returns (with higher risk). Make your choice based on your goals and level of comfort.
How to open a CD
When you’re ready, you can open a CD in just a few simple steps:
Shop around to find the highest APY for the term you want.
Read the fine print and make sure you can meet the minimum deposit, if there is one.
Apply for a new account on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.
Link an existing bank account to transfer funds to a new CD. Remember that you can only make one deposit per CD.
Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:
Pay out your initial deposit plus your earnings as cash
Reinvest your funds in a new CD with the same term (but potentially a different APY)
Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.
Earn up to 4.10% APY without locking up your money
If you want to earn a high APY with more flexibility and less commitment, look into a high-yield savings account.
The best high-yield savings accounts allow you to:
Deposit and withdraw money whenever you want
Quickly transfer money to other accounts
Savings account rates are variable and can change at any time. However, high-yield savings accounts currently have APYs that rival the best CDs, making either one a great choice now, depending on your savings goals.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool has a disclosure policy.
[[{“value”:”Image source: The Motley Fool/Unsplash
Looking for a place to grow your cash and have the ability to access to it whenever you want? A high-yield savings account is your answer. With annual percentage yields (APYs) around 4.00%, it’s an ideal time to benefit from top savings rates.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. But remember, not all savings accounts are the same. Some offer much higher returns than the national average. We’ve checked out top banks to find the best savings accounts for you.Here’s a list of high-yield savings accounts today with the top rates.Bank AccountAPYMinimum Account BalanceVaro Savingsup to 5.00%Max APY on up to $5,000, 2.50% APY afterAxos ONE®up to 4.66%$1,500Pibank Savings4.60%$0TIMBR High Yield Savings4.55%$1,000Peak Bank Envision High Yield Savingsup to 4.54%$100 to open, 2.02% APY on balances of $10,000,000 and aboveBrioDirect High-Yield Savings4.50%$25, $5,000 to open accountData source: Issuing banks. Rates are accurate as of April 2, 2025.Why we chose these savings accountsThe accounts above stood out to us for several key reasons:High APYs. These are among the most competitive interest rates available, helping your money grow faster.Low barriers to entry. Most accounts have low or no minimum deposit requirements to open or earn interest.Available nationwide. These banks let you open an account from anywhere in the U.S. without needing to join a local credit union.Online convenience. Every account listed can be opened and managed entirely online from your phone or computer.If you’re looking for an account that combines a strong APY with online access and flexibility, CIT Platinum Savings stands out. It’s a smart option for savers who want high returns. Read our full CIT Platinum Savings review to learn more.Want to grow your money without locking it up?High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.Explore more options:Best High-Yield Savings Accounts — See our top picks todayAmerican Express® High Yield Savings (Member FDIC) — Earn a high annual percentage yield with no minimum deposit requiredCIT Platinum Savings — Higher rate available with $5,000 minimum depositShould you open a high-yield savings account now?Got extra cash in a regular savings account earning peanuts? It’s a good time to think about switching. With rates still high, high-yield savings accounts offer a way to grow your money without losing access.Opening a high-yield savings account could make sense if:You want to earn more interest without locking up your moneyYou prefer flexibility over committing to a fixed termYou want an account with no or low fees and easy online accessYou value safety — most accounts are FDIC insuredHigh-yield savings accounts give you a better return while keeping your cash handy. They’re great for emergencies, home repairs or upgrades, or short-term vacations you’re planning.How to open a high-yield savings accountGetting started with a high-yield savings account is easy and usually takes just a few minutes:Compare your options. Look for the best APY, but also consider fees, ease of access, and minimum balance rules.Apply online. Most accounts can be opened from your phone or computer — no paperwork required.Fund your account. Link an existing checking or savings account and transfer the amount you want to deposit.Set up recurring deposits (optional). Some accounts offer higher APYs when you make regular monthly contributions.Track your balance and earnings. Interest usually compounds daily and is paid monthly, helping your savings grow faster over time.Click here to compare the best high-yield savings accounts and open one today.Don’t want to deal with monthly deposit requirements?Some high-yield accounts offer the best rates with no strings attached — no recurring deposit requirements, no minimum balance to earn interest, and no monthly fees. If you’re looking for a hassle-free option, learn more about the American Express® High Yield Savings (Member FDIC), which offers a competitive APY with no minimum deposit.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Charles Schwab is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short March 2025 $80 calls on Charles Schwab. The Motley Fool has a disclosure policy.”}]] [[{“value”:”
Image source: The Motley Fool/Unsplash
Looking for a place to grow your cash and have the ability to access to it whenever you want? A high-yield savings account is your answer. With annual percentage yields (APYs) around 4.00%, it’s an ideal time to benefit from top savings rates.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
But remember, not all savings accounts are the same. Some offer much higher returns than the national average. We’ve checked out top banks to find the best savings accounts for you.
Here’s a list of high-yield savings accounts today with the top rates.
Bank Account
APY
Minimum Account Balance
Varo Savings
up to 5.00%
Max APY on up to $5,000, 2.50% APY after
Axos ONE®
up to 4.66%
$1,500
Pibank Savings
4.60%
$0
TIMBR High Yield Savings
4.55%
$1,000
Peak Bank Envision High Yield Savings
up to 4.54%
$100 to open, 2.02% APY on balances of $10,000,000 and above
BrioDirect High-Yield Savings
4.50%
$25, $5,000 to open account
Data source: Issuing banks. Rates are accurate as of April 2, 2025.
Why we chose these savings accounts
The accounts above stood out to us for several key reasons:
High APYs. These are among the most competitive interest rates available, helping your money grow faster.
Low barriers to entry. Most accounts have low or no minimum deposit requirements to open or earn interest.
Available nationwide. These banks let you open an account from anywhere in the U.S. without needing to join a local credit union.
Online convenience. Every account listed can be opened and managed entirely online from your phone or computer.
If you’re looking for an account that combines a strong APY with online access and flexibility, CIT Platinum Savings stands out. It’s a smart option for savers who want high returns. Read our full CIT Platinum Savings review to learn more.
Want to grow your money without locking it up?
High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.
Got extra cash in a regular savings account earning peanuts? It’s a good time to think about switching. With rates still high, high-yield savings accounts offer a way to grow your money without losing access.
Opening a high-yield savings account could make sense if:
You want to earn more interest without locking up your money
You prefer flexibility over committing to a fixed term
You want an account with no or low fees and easy online access
You value safety — most accounts are FDIC insured
High-yield savings accounts give you a better return while keeping your cash handy. They’re great for emergencies, home repairs or upgrades, or short-term vacations you’re planning.
How to open a high-yield savings account
Getting started with a high-yield savings account is easy and usually takes just a few minutes:
Compare your options. Look for the best APY, but also consider fees, ease of access, and minimum balance rules.
Apply online. Most accounts can be opened from your phone or computer — no paperwork required.
Fund your account. Link an existing checking or savings account and transfer the amount you want to deposit.
Set up recurring deposits (optional). Some accounts offer higher APYs when you make regular monthly contributions.
Track your balance and earnings. Interest usually compounds daily and is paid monthly, helping your savings grow faster over time.
Don’t want to deal with monthly deposit requirements?
Some high-yield accounts offer the best rates with no strings attached — no recurring deposit requirements, no minimum balance to earn interest, and no monthly fees. If you’re looking for a hassle-free option, learn more about the American Express® High Yield Savings (Member FDIC), which offers a competitive APY with no minimum deposit.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Charles Schwab is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short March 2025 $80 calls on Charles Schwab. The Motley Fool has a disclosure policy.
Tarra “Madam Money” Jackson is a financial educator, international speaker, author, and wealth empowerment strategist helping you heal, build, and grow your wealth.
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