Personal Finance

You can earn up to 5.00% APY in a high-yield savings account on Nov. 3, 2025 2025-12-01 12:08:16

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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} #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; 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; } }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.

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Current ARM mortgage rates report for Nov. 5, 2025 2025-12-16 09:18:39

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.

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  • 2025-11-30 16:27:50

    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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} #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; } }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.

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  • 2025-12-09 18:53:26

    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.

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  • 2025-12-28 13:10:13

    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.

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New jobs created as Synthotech develops new Yorkshire water technology hub 2025-12-10 00:20:19

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.

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Allstate alleges 17 companies ran $2 million no-fault fraud scheme 2025-12-15 07:29:22

Allstate alleges 17 companies ran $2 million no-fault fraud scheme

Lawsuit alleges five physicians fronted for unlicensed operators across 90 clinicsClaimsBy Tez RomeroNov 21, 2025ShareAllstate has accused 17 shell companies of running a $2 million ultrasound fraud ring through New York's no-fault system.A sprawling insurance fraud network allegedly used fake medical corporations and sham ultrasound clinics to submit fraudulent claims to Allstate, according to a lawsuit filed November 19 in federal court in New York's Eastern District.The case alleges that unlicensed operators recruited five physicians to front what looked like legitimate medical practices while secretly running a coordinated scheme to submit bogus claims for diagnostic ultrasounds that patients rarely needed - or sometimes never received.Are you an insurance innovator? Tell us — we want to hear your storyHere's how it allegedly worked: The operation set up 17 separate companies that appeared independent but functioned as one machine. Eleven "technical" entities, owned by unlicensed individuals, would show up at no-fault clinics across the New York metro area and perform ultrasounds. Six "professional" corporations, with licensed doctors listed as owners, would bill separately for interpreting those same scans.This dual-billing approach - known in the industry as a PC/TC split - let the network charge twice for every procedure. The technical side billed for performing the ultrasound, while the professional side billed for reading it. Allstate says the defendants submitted more than $2 million in claims through this arrangement.The lawsuit paints a picture of an operation designed to look legitimate on paper while violating nearly every rule in New York's no-fault playbook. The professional corporations were supposedly owned by physicians, as state law requires, but Allstate alleges the real control stayed with unlicensed businesspeople who masterminded the scheme.Those same physicians - board-certified in fields like gastroenterology and physical rehabilitation - were allegedly rubber-stamping ultrasound interpretations despite having no training in radiology. One doctor listed in the filing is a gastroenterologist who lives in Maryland and works at a practice in Pennsylvania, yet somehow was interpreting ultrasounds for New York accident victims.Patients allegedly came through kickback deals with no-fault clinics scattered across 90 locations in the region. Many received spinal ultrasounds, a test Allstate says is rarely indicated for the soft-tissue injuries typical in car accidents and isn't part of standard treatment protocols.The fraud allegedly relied on mailing claims to insurers, which triggered federal mail fraud charges and opened the door to RICO claims - the racketeering law typically reserved for organized crime. More than 1,000 fraudulent claims went through the mail, according to the filing.Two of the physicians named had been sued before. GEICO sued one in 2024 for allegedly running a similar scheme, and another faced GEICO allegations in 2025 over nearly identical conduct.Allstate is seeking to recover more than $982,000 in damages, which could triple under RICO's penalty provisions. The insurer also wants a court declaration that the defendants can't collect on any pending bills.The allegations remain untested in court, and no final determination has been made. This is yet another headache for an industry already grappling with organized fraud rings bleeding millions from the system.Related StoriesAllstate alleges nine DME firms ran $679k fraud schemeAllstate hits Houston clinics with RICO suit over alleged $1.4m fraud

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Current refi mortgage rates report for Oct. 30, 2025 2025-12-09 18:53:26

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.

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Audioboom raises profit forecast again, projecting £2.2m amid strong ad sales 2025-12-31 04:52:44

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.

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Vodafone sees revenue growth and completes share buyback amidst market challenges

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."

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New jobs created as Synthotech develops new Yorkshire water technology hub

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.

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

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.

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

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.

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

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.”

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

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."

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

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”.

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

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.

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

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.

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