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Homeowners typically make their normal monthly mortgage payments and expect to pay off their homes over 30 years. One of the best mortgage lenders for refinancing is Rocket Mortgage due to its flexible loan repayment terms, fast approval process and lower credit score requirements. There are three primary methods for making extra payments – pay extra each month, make a lump sum payment or switch to bi-weekly payments. The first two methods require you to pay extra manually, but this one locks you into a quicker mortgage payoff. These strategies help borrowers pay off their homes faster and reduce the interest they'll pay.

While rates can fluctuate over time, high-yield savings accounts generally offer APYs over 10 times greater than the national average on savings accounts. To determine which high-yield savings accounts are the best overall, CNBC Select analyzed and compared dozens of savings accounts offered by online and brick-and-mortar banks, including large credit unions. (See our methodology for more information on how we choose the best high-yield savings accounts.) Find the best savings account for you: Help your money grow by finding the savings account that offers the best rates and features for you. Our methodologyTo determine which high-yield savings accounts offer the best return on your money, CNBC Select analyzed dozens of U.S. savings accounts offered by online and brick-and-mortar banks, including large credit unions.

☆ Don't forget to take advantage of these 4 'free money' benefits, says financial expert
▼ + stars: | 2023-02-27 | by ( Elizabeth Gravier | Jason Stauffer | ) www.cnbc.com time to read: +10 min

Maximize your credit card rewards Credit card rewards programs let you earn cash-back (or other perks) on money you were going to spend anyway. For example, with a cash rewards credit card like the Wells Fargo Active Cash® Card, you can earn 2% cash rewards on all eligible purchases with no annual fee. Transfer your cash to a high-yield savings account In this rising-rate environment, now is the time to open a high-yield savings account and earn more interest than you would in a traditional savings account. You're essentially collecting "free" money by parking your cash in a savings account — especially one with an above-average APY. Bask Bank Interest Savings Account Learn More Bask Bank and BankDirect are divisions of Texas Capital Bank, Member FDIC.

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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Pros Check mark icon A check mark. Check writing included Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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Pros Check mark icon A check mark. High APY Check mark icon A check mark. No monthly service fee 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. Pros Check mark icon A check mark.

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Signing up for a new high-yield savings account online can take as little as five minutes. Compare high-yield savings account optionsShop around for the best high-yield savings account that fits your needs. Quick tip: You can read our article about what a savings account is to learn more about savings account features. On your online account, you'll be able to see account balances, make transfers from one account to another, and see your transaction history. There are three main things to consider when choosing a savings account: APY A high APY is especially important if you are looking for a high-yield savings account, rather than a regular savings account at an in-person bank.

Pros 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. Check writing included Check mark icon A check mark. Pros Check mark icon A check mark.

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☆ If a recession hits, don't cut back on these 4 things, says CFP
▼ + stars: | 2023-02-15 | by ( Elizabeth Gravier | ) www.cnbc.com time to read: +7 min

Instead of sacrificing your coverage entirely, you can ask your insurance providers for packaging discounts or better rates if a recession hits. High-interest debt payoffPaying off your high-interest debt (like the debt from credit cards) is always good advice, but that's especially true during a recession — even right before it. If you don't think you can completely pay off your credit card debt within the next few months, consider buying some time by transferring that debt to a balance transfer card with a zero-interest introductory period. Some accounts, like UFB Best Savings, are offering APYs north of 4%, which is quite high in recent years. UFB Best Savings Learn More UFB Best Savings is a Member FDIC.

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☆ Can you get an ATM card for a savings account?
▼ + stars: | 2023-02-14 | by ( Ana Staples | Elizabeth Gravier | ) www.cnbc.com time to read: +14 min

While savings accounts typically don't offer a debit card, some come with an ATM card, making it easier for you to access cash from your savings when you need it. The Citi® Savings Account stands out for providing an ATM card even if you don't have a checking account with Citi. Having quick access to your savings with an ATM card can be convenient, but it's best not to make withdrawing money from your savings account a habit. Savings are an essential part of your financial well-being, and a savings account is meant to keep these funds intact. That's why unlike a checking account designed for daily spending, a savings account has features in place to prevent frequent withdrawals.

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Pros Check mark icon A check mark. High APY 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. Check writing included Check mark icon A check mark. Pros Check mark icon A check mark.

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. Competitive interest rate Check mark icon A check mark. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark.

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☆ Second jobs, moving in with family, investing: What we can learn from how millennials save for a down payment
▼ + stars: | 2023-02-08 | by ( Elizabeth Gravier | Jason Stauffer | ) www.cnbc.com time to read: +9 min

Plus, we give advice on where to stash your down payment cash and options for making a small down payment. Investing your down payment savings and neglecting your bills can backfire Growing your down payment savings by investing may seem like a good idea since annual returns can be much higher than you would earn in a bank account. Bask Bank Interest Savings Account Learn More Bask Bank and BankDirect are divisions of Texas Capital Bank, Member FDIC. Keep in mind that the APY on a savings account is variable, meaning it can change at any moment. Take advantage while rates are high and open a high-yield savings account or CD.

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