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☆ The great wealth transfer has started — but millennials, Gen Z may not inherit as much as they anticipate
▼ + stars: | 2024-05-07 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

There's a massive wealth transfer underway. "It has started and it's only going to accelerate," said Liz Koehler, head of advisor engagement for BlackRock's wealth advisory business. And yet, some millennials and Generation Z may not be inheriting as much as they think. Recent reports show a growing disconnect between how much the next generation expects to receive in the "great wealth transfer" and how much their aging parents plan on leaving them. However, 55% of baby boomers who plan to leave behind an inheritance said they will pass on less than $250,000, Alliant found.

Persons: Liz Koehler, Gen Zers, Alliant, Isabel Barrow Organizations: Finance, Alliant Credit Union, Federal Reserve Bank of Boston, Edelman, Edelman Financial Locations: millennials

☆ The Best Savings Accounts for Kids and Teens
▼ + stars: | 2023-11-22 | by ( Kerri Anne Renzulli | ) www.wsj.com time to read: +11 min

Best overallCapital One Kids Savings Account Learn MoreAge to open: under 18Interest rate: 2.5%, with no cap$0 to openNo maintenance feesWhy we picked it:Capital One’s Kids Savings Account delivers everything a parent could want in a place to stash their child’s funds: It’s easy to use, fee-free, and generously rewards kid savings of any size. On your child’s 13th birthday, the account will be converted into a MyLife Teen Checking or MyLife Savings account. Older savers should consider our best overall pick, the Capital One Kids Savings Account, or our choice for best teen savings account, the MySavings Youth Account from Chevron Financial Credit Union and Spectrum Credit Union. For instance, a kid with $2,500 in the account would net $81 in a year vs. only $63 with Buy Side from WSJ’s best overall pick, Capital One’s Kids Savings account. Also worth noting: Alliant’s adult offering, the High-Rate Savings account, is Buy Side from WSJ’s top choice for a credit union savings account thanks to its identical 3.1% payout and lack of fees.

Persons: Kerri Anne Renzulli, don’t, One’s, USAlliance, Best, Foster, Alliant, Cookie, Elmo Organizations: Capital, Capital One’s, Financial, Union MyLife Savings, Savings, Kids, American Consumer Council, Chevron Financial Credit Union, Spectrum Credit Union, Chevron Federal Credit Union, Chevron Corporation, Bechtel Corporation, Federal, Foster Care, Bank, PNC Bank’s, PNC, D.C Locations: Washington

☆ Best High-Yield Savings Accounts for October 2023
▼ + stars: | 2023-09-28 | by ( Martha C. White | ) www.wsj.com time to read: +18 min

With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.45%, according to the Federal Deposit Insurance Corp. Their new High-Yield Savings account offers a 3.5% APY, but you need a hefty $5,000 deposit to open the account. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform.

Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, UFB, —, Achilles, We’ve, Foster, Alliant, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Axos Bank, Webster Bank, National Bank, Zelle, Alliance Data Systems, Comenity Capital Bank, FDIC, Foster Care, Navy, Navy Federal, Savings, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Utah, Chicago, U.S, .

☆ Best High-Yield Savings Accounts of September 2023
▼ + stars: | 2023-08-31 | by ( Martha C. White | ) www.wsj.com time to read: +18 min

With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.43%, according to the Federal Deposit Insurance Corp. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform. How we pickedTo pick Buy Side from WSJ’s Best Savings Accounts, we looked for accounts that offered the best APY on deposited funds without restrictions.

Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, Foster, Alliant, —, Ivy, Achilles, We’ve, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Foster Care, Navy, Navy Federal, Bask Bank, Texas Capital Bank, Savings, LendingClub, Alliance Data Systems, Comenity Capital Bank, FDIC, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Chicago, U.S, Utah, .

24/7 phone support Check mark icon A check mark. Perks such as roadside assistance, ID theft aid, cell phone protection, and more Check mark icon A check mark. Earn up to $30 per month in out-of-network ATM refunds, depending on tier level Check mark icon A check mark. No monthly fee for the first 12 months, with recurring monthly deposits of $25 Check mark icon A check mark. Mobile check deposit Check mark icon A check mark.

Persons: —, you've, Wells, Banks, Foster, Ally, you’ll, Charles Schwab, Chase, Wells Fargo Organizations: Service, Bank of America, Credit Union, Chevron, Alliant Credit Union, Express, American Express, FDIC, Reading Chevron, Axos, Axos Bank, Blue Federal, Blue Foundation, NOVA, Capital, Schwab, Savings, Chase Bank, Overdraft, Chase, locator.chase.com, Green, Banking, The Bancorp Bank, Stride Bank, N.A, CIT Bank, Bank, FDIC CIT Bank, CIT, Connect, Citi, Member FDIC Citi, BBB, Consumers Credit, Credit, Consumers Credit Union, Delta Community Credit, Community Credit, Utah Free, Discover, Discover Bank, FDIC Discover, Falcon International, International, Falcon International Bank, International Bank of Commerce, American, Laredo Federal Credit Union, Latino Community Development Center, North Carolina, Community Credit Union, Latino Community Credit, Navy Federal Free, Federal Free, NCUA Navy Federal Free, Navy Federal Credit Union, Department of Defense, Premier, LifeGreen, Regions Bank, City Federal Credit, River City Federal Credit, Federal Credit, City Federal Credit Union, Employees Credit, NCUA, State Employees Credit Union, Member, Service Credit Union, American Consumer, Security, Security Service, UT, Stripes, Security Service Credit Union, The Security, Synchrony Bank, . Bank, U.S, Bank's Locations: Chevron, Colorado and Wyoming, NY, LA, TX, VA, NJ, Washington, Alaska, Hawaii, Puerto Rico, CA, CT, FL, Chicago , Illinois, eDocuments, Metro Atlanta , Georgia, Kentucky , Texas, Georgia, Texas, AZ, Arizona , California, Colorado, Oklahoma, Laredo, North Carolina, Charlotte, Piedmont Triad, North, American, City, River City, River, San Antonio , Texas, Bexar County, Europe, New Hampshire, Massachusetts, Colorado , Texas, Utah

The Best 2% Cash Back Credit Cards of April 2023In terms of versatility, cash back is the most flexible credit card reward. View Full Details $0 Annual Fee Apply now On Wells Fargo's websiteWells Fargo Active Cash® Card Apply now On Wells Fargo's website Best all-around 2% cash rewards credit card Details Rewards Earn unlimited 2% cash rewards on purchases. Best All-around 2% Cash Rewards Credit CardThe Wells Fargo Active Cash® Card has no annual fee and earns a flat 2% cash rewards on purchases. Wells Fargo Active Cash card reviewBest 2% Cash Back Card for Balance TransfersLong considered the best cash back credit card, the Citi® Double Cash Card still holds its own despite new offerings from other issuers. How to Choose a 2% Cash Back Credit Card2% cash back credit cards offer some of the simplest credit card rewards around, and they're great for people who don't want to deal with bonus categories, transferring points, or shuffling several cards to get the best return on spending.

Below, you'll find our top picks for the best banks for avoiding ATM fees. The best banks for avoiding bank ATM fees have free regional or national ATM networks, so you won't be charged for using an ATM. The Best Banks for Avoiding ATM FeesLendingClub Bank: Best online bank for avoiding domestic ATM feesConnexus Credit Union: Best credit union for avoiding domestic ATM feesChase: Best national bank for avoiding domestic ATM feesCharles Schwab: Best institution for avoiding international ATM feesTD Bank: Best regional bank for avoiding domestic ATM feesBetterment: Best online banking platform for avoiding domestic ATM feesWe've included brick-and-mortar banks, online banks, credit unions, and online banking platforms, so you can choose from a variety of options. Unlimited refunds on out-of-network ATM fees Check mark icon A check mark. You could also refer to the schedules of fees document to review ATM fees and ATM withdrawal limits."

The Best 2% Cash Back Credit Cards of March 2023In terms of versatility, cash back is the most flexible credit card reward. The Best 2% Cash Back Credit CardsBest all-around 2% cash rewards credit card Wells Fargo Active Cash® Card 4.3 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.3 out of 5 Stars Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening Rewards Earn unlimited 2% cash rewards on purchases. Best All-around 2% Cash Rewards Credit CardThe Wells Fargo Active Cash® Card has no annual fee and earns a flat 2% cash rewards on purchases. Wells Fargo Active Cash card reviewBest 2% Cash Back Card for Balance TransfersLong considered the best cash back credit card, the Citi® Double Cash Card still holds its own despite new offerings from other issuers. How to Choose a 2% Cash Back Credit Card2% cash back credit cards offer some of the simplest credit card rewards around, and they're great for people who don't want to deal with bonus categories, transferring points, or shuffling several cards to get the best return on spending.

Pros Check mark icon A check mark. Pros Check mark icon A check mark. No minimum opening deposit Check mark icon A check mark. Eligible for new accounts after your child turns 13 Check mark icon A check mark. But if you'd like to open a savings account for your child, it only lets you open one of the bank's regular savings accounts as a joint bank account.

Best interest rates for savings accountsUFB Preferred Savings 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.55% (as of 02/22/2023) Minimum Deposit Amount $0 View Full Details Learn moreUFB Preferred Savings 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.55% (as of 02/22/2023) Minimum Deposit Amount $0 View Full Details Learn more on UFB's site. Best interest rates for CDsCFG Bank CD 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.50% to 5.15% Minimum Deposit Amount $500 View Full Details Learn moreCFG Bank CD 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.50% to 5.15% Minimum Deposit Amount $500 View Full Details Learn more On CFG's website. Alliant Certificate 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.25% to 5.00% Minimum Deposit Amount $1,000 View Full Details Learn moreAlliant Certificate 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.25% to 5.00% Minimum Deposit Amount $1,000 View Full Details Learn more Alliant Credit Union, NCUA insured. Primis Premium Checking 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 4.35% Minimum Deposit Amount $1 Fees no monthly service fees View Full Details Learn morePrimis Premium Checking 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 4.35% Minimum Deposit Amount $1 Fees no monthly service fees View Full Details Learn more Primis Bank, FDIC Insured. Capital One 360 Performance Savings 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 3.40% (as of 02/02/23) Minimum Deposit Amount $0 View Full Details Learn moreCapital One 360 Performance Savings 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 3.40% (as of 02/02/23) Minimum Deposit Amount $0 View Full Details Learn more On Capital One's site.

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Service Credit Union Personal Loan Amounts and Interest RatesYou can take out a personal loan valued between $1,000 and $50,000 with Service Credit Union. Service Credit Union Personal Loans Pros and ConsService Credit Union Personal Loan Pros Wide range of loan amounts . Service Credit Union Personal Loan Credit Score RequirementsThere's no minimum credit score required for a personal loan from Service Credit Union, according to a Service customer service representative. How Service Credit Union personal loans compare Service Credit Union Personal LoanNavy Federal Credit Union Personal LoanAlliant Credit Union Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Service Credit Union Personal Loan Frequently Asked QuestionsAre Service Credit Union personal loans legitimate?

Alliant Credit Union Personal Loan Amounts and Interest RatesAlliant Credit Union offers personal loans from $1,000 to $50,000, with an APR range that starts at 10.49%. How Alliant Credit Union Personal Loans WorkAlliant Credit Union offers unsecured personal loans to qualified borrowers. Alliant Credit Union TrustworthinessThe Better Business Bureau has rated Alliant Credit Union an A+. Yes, Alliant Credit Union is a legitimate credit union federally insured by the National Credit Union Administration. Rates are capped by the National Credit Union Administration at 18%, so if you have poorer credit, you might get a better rate with a credit union than another lender.

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The bottom line: Pentagon Federal Credit Union is a solid choice for conventional, FHA, or VA mortgages thanks to its competitive rates. Pentagon Federal Credit Union vs. Navy Federal mortgagesPenFed Credit Union Navy Federal Credit Union Types of home loans Conforming, jumbo, FHA, VA, HELOC Types of home loans Conforming, jumbo, VA Standout feature Power Buyer certification Standout feature Alternative credit data Get Started Compare RatesPenFed and Navy Federal Credit Union are both solid options if you want a lender that emphasizes services and products for military members or families. How Pentagon Federal Credit Union mortgages workPenFed is featured in our best banks and credit unions for military members and their families guide. Is Pentagon Federal Credit Union trustworthy? Pentagon Federal Credit Union mortgage FAQWhat credit score do PenFed mortgages use?

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark. Pros Check mark icon A check mark. Virtual debit card, physical debit card, and access to Apple Pay, Google Pay, Samsung Pay Check mark icon A check mark.

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