The APY Archives Blog
How savings rates really behave — and how to make them work for you.
1 min read
Does a Small Difference Even Matter?
A quarter of a percent sounds like a rounding error. Here is the quick math on what 0.25% actually earns you — on $10,000 and on $100,000.
Read more3 min read
Primis vs. Sallie Mae: The Highest Rate Isn't Always the Best Account
Primis often tops the rate tables in our data — but our overall favorite is Sallie Mae, because a dependable rate beats a flashy one that swings.
Read more2 min read
The High-APY Bait-and-Switch: Why Your Savings Rate Quietly Drops
New savings accounts launch with eye-catching rates — then drift lower while you are not looking. Here is how the playbook works, and why your own inertia is the bank's best friend.
Read more2 min read
Read the Fine Print: SoFi's Headline Rate Is a Temporary Boost
SoFi advertises one of the highest savings rates around — but a meaningful chunk of it is a promotional boost that fades, and the top tier requires you to route your direct deposit through them.
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