because, like some others in this niche, it doesn't have any minimum balance requirements or monthly fees. As of early January 2023, this account is paying an APY of 4.11%, and you even get a free debit card.
Similarly to high-yield savings accounts, the best CD rates come from institutions that you may have never heard of before. For example, you can find CD rates well over 4% for 12-month CDs from Great Lake Credit Union, Crescent Bank, and American First Credit Union.
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