Manage Your Finances with Confidence and Simplicity

We put your money to work so you can take it easy. Build wealth with automated investing, earn more on your cash with variable 5.00% APY*, and grow your retirement with tax-advantaged IRAs.

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How to Choose Between the Best Saving Accounts?

We put your money to work so you can take it easy. Build wealth with automated investing, earn more on your cash with variable 5.00% APY*, and grow your retirement with tax-advantaged IRAs.

  • Assess Your Financial Goals

    Determine if you need long-term stability (CD Account) or short-term flexibility (High-Yield Savings Account).

  • Compare Interest Rates

    Look for the highest interest rates to maximize your savings growth.

  • Assess Accessibility & Flexibility

    Decide how often you'll need access to your funds: frequent access (High-Yield Savings) or limited access (CD Account).

  • Understand Fees and Penalties

    Review fees, minimum balances, and early withdrawal penalties to find the best fit for your financial habits.

CD Accounts and High-Yield Savings Accounts

CDHigh-Yield Saving
Interest RatesTypically higherCompetitive, but usually lower
Access to FundsLimited access until maturityFlexible access at any time
Minimum DepositOften requires a higher minimumGenerally lower minimum deposit
Interest Rate StabilityFixed interest rate for the termVariable interest rate
Early Withdrawal PenaltiesFees for withdrawing early apply.No penalties for withdrawals
Ideal ForLong-term savings goalsShort-term or emergency savings
Risk LevelVery low risk, insured by FDICVery low risk, insured by FDIC
Term LengthTerms: months to years.No fixed term, ongoing account
Account ManagementSet and forget, low maintenance.Needs better handling

What is Yieldhorizon?

We believe that everyone deserves access to smart, simple, and effective investment solutions. Founded with a mission to democratize financial growth, we are committed to helping individuals achieve their financial goals with ease and confidence. Our team of experienced professionals combines cutting-edge technology with personalized service to provide an unparalleled investment experience.

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Tips for Using CD & High-Yield Savings

  • Diversify Your Savings Strategy

    Diversify Your Savings Strategy

    Combine both CD Accounts and High-Yield Savings Accounts to balance between higher returns and liquidity. Use CDs for long-term savings and high-yield accounts for emergency funds or short-term goals.

  • Avoid Early Withdrawal Penalties

    Avoid Early Withdrawal Penalties

    Plan your CD investments carefully to match your financial goals and timelines. Withdrawing funds from a CD before maturity can incur penalties, so ensure you won't need the money before the term ends.

  • Ladder Your CDs

    Ladder Your CDs

    Spread your investments across multiple CDs with varying maturity dates. This strategy, known as CD laddering, provides regular access to your funds while still earning higher interest rates.

FAQs

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