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Here’s How Oil Stock Volatility Is Affecting This Leading Solar Energy Company
Observe energy stocks — both clean and fossil — long enough, and you’ll learn that periods of oil-market volatility are often accompanied by renewed enthusiasm for renewables.
The Invesco Solar ETF (TAN 0.20%) is an effective tool for making that point, as recent history has confirmed. Military conflict in Iran is contributing to skyrocketing oil prices, pushing this exchange-traded fund (ETF) up 12% year to date. The fund’s 2026 price action is a sequel to what was seen in 2022, when it surged 29% in the six months following Russia’s invasion of Ukraine.
This stock is hot, but if oil prices decline, it could cool off. Image source: Getty Images.
As for individual stocks, SolarEdge Technologies (SEDG +3.30%) is strutting its stuff amid elevated oil-market volatility. Shares of the maker of residential solar inverters are up more than 36% over the past month. That’s another sequel, as the stock surged in the months immediately following Russia’s push into Ukraine. Now it’s time to decide whether SolarEdge is flying too close to the Sun.
This solar stock may be getting ahead of itself
There’s wisdom in the old Wall Street saying, “Don’t fight the tape.” That said, let’s consider what some sell-side analysts are saying about SolarEdge. Yes, the stock has been upgraded twice this month — first on March 10 by Bank of America, and again on March 20 by Jefferies — but those upgrades were from “underperform” to their analysts’ equivalents of “hold” or “neutral.”
Jefferies didn’t even raise its price target, which remains at $49. Bank of America did, boosting its call on SolarEdge to $40. However, both are well below the March 20 closing price of $51.73. That may be a sign that the stock needs a cooling-off period after its recent scintillating pace.
Today’s Change
(3.30%) $1.54
Current Price
$48.27
Key Data Points
Market Cap
$2.8B
Day’s Range
$46.01 – $48.95
52wk Range
$11.00 – $53.28
Volume
604K
Avg Vol
3.3M
Gross Margin
15.29%
Perhaps adding to the case for this stock having gotten ahead of itself is the European market. Conflicts involving major oil-producing countries have a way of rejuvenating interest in clean energy.
Still, as Jefferies points out, the continent’s embrace of solar and other renewables increased following the start of the Russia-Ukraine war, implying there’s limited room for comparable growth on the back of the Iran conflict. Bank of America went so far as to note that SolarEdge’s end markets, including Europe, are soft. That’s not what prospective buyers want to hear after the shares jumped so high over the past month.
Oil can take away as quickly as it gives
Regarding SolarEdge, another old investing adage is worth remembering: “History doesn’t always repeat, but it often rhymes.” Whether it’s mere rhyming or clear repeating, oil can take away from investors as quickly as it blesses them; it’s a volatile commodity. If the Strait of Hormuz were to open today (I’m not saying it will), crude prices would likely tumble; that could claim other victims, including solar equities, along the way.
This is history some SolarEdge shareholders have already lived. Following an impressive run for much of 2022, the stock was the worst performer in the S&P 500 the following year, leading to its expulsion from the index. Maybe things won’t go that way for the stock if oil prices falter over the near term, but it’s a risky bet to make.
This Viral Graphic Is Changing How We Understand the ‘Autism Spectrum’
This 39-point visual map moves beyond “mild” or “severe” labels to reveal the true complexity of the autism spectrum.
How Trump’s EO could redraw QM’s safe harbor lines
Part of a recent executive order from President Trump that calls for potential changes to the qualified mortgage definition and its safe harbor could increase competition for certain types of loans, depending on how and if it progresses.
Processing Content
Changes that the broader
The order additionally calls for exempting or modifying “small-mortgage loans” from qualified mortgage points-and-fees limits, and removing “unnecessary and burdensome elements” from ATR and QM underwriting requirements for banks.
Some experts’ analysis of what this could mean follow:
New breaks for small mortgages
Expanding the QM points-and-fees limit for small-mortgage loans — a topic also addressed in drafts of the
It could help less sizable banks manage the higher costs of making small loans by allowing them to charge higher rates above the standard cap without incurring additional non-QM liability.
However, since lifting the QM points-and-fees-limit would allow for a higher interest rate, its impact on the cost of the loan to the consumer could be limited.
“We might pick up a couple more loans on the margin, but I don’t think it entirely solves the problem when it comes to the cost to originate,” said Ron Haynie, senior vice president of mortgage finance policy at the Independent Community Bankers of America.
Other rules have provided leniency for less-sizable loans because they may face more difficulty meeting the points-and-fees caps, but exempting them from the limits entirely could take this a step further.
It’s not clear how small a mortgage would need to be to qualify. In some other contexts they’ve been up to $100,000 or $150,000.
Other QM exceptions already in place
The broader extension of the safe harbor in line with references to tailoring QM and ATR requirements for smaller banks has precedents that could inform the path it takes.
These include:
- A more expansive portfolio loan exemption for less sizable “small creditors” also predates the 2018 legislation. The definition of smaller creditors has been set at $2.785 billion in assets and no more than 2,000 first-lien mortgages for 2026.
Portfolio loan possibilities
With the executive order suggesting a broader safe harbor for portfolio loans, one result could be that more sizable “smaller” banks making these mortgages may become eligible for breaks from non-QM liability than have been in the past.
The first part of the EO refers to the “smaller bank” universe referred to as going up to $100 billion while also noting that “community banks” with less than $30 billion in assets are “especially affected” by mortgage-related regulatory burdens.
Giving a larger range of banks a way to remove non-QM liability could cut some risk-based costs for making for nontraditional loans even if with the removal of points-and-fee cap opening up the possibility of raising the mortgage’s rate.
Self-employed borrower implications
QM’s definition is generally aimed at reducing liability for loans with standard pricing, underwriting and features. So loans outside its bounds are generally taken out by gig workers and business owners, some of which have been served by non-QM specialists.
That means companies making those loans could face some new competition if certain institutions get an QM exemption due to the executive order.
“This could give an edge to whichever banks it applies to in the self-employed space,” said Richard Horn, former senior counsel and special adviser for the CFPB. He is currently a co-managing partner at law firm Garris Horn.
While an extension of the QM safe harbor against liability provides some protection for nontraditional loans, it’s not necessarily bulletproof, he warned.
“There’s nothing to prevent a consumer from challenging the QM status of any loan,” Horn said.
Much depends on definitions
Many provisions in the executive order around a QM safe harbor are subject to interpretation, such as whether it gets extended fully or makes exceptions for any of its elements such as product features.
Key definitions “are left to regulators,” Kara Ward, an attorney at Baker Donelson, wrote in
Another important determinant of the outcome is what the boundaries of portfolio loan are, which hasn’t been consistently defined in other contexts.
Certain performing non-QM loans that become “seasoned” after being held in portfolio for at least three years do get a safe harbor after that time. So the executive order seems to suggest a broader definition than that.
If the portfolio loan definition were to be pegged to a three-year hold period, the question arises as to whether these loans keep or lose their QM safe harbor if sold after that time.
In some contexts involving the three-year hold, loans do retain their safe harbor after that time even if sold. In some cases a portfolio or seasoned loan safe harbor is only retained if it’s sold to a similarly eligible institution.
The broader view for the CFPB
Since a lot of the order’s language about changing ATR, QM and many other things is broad and potentially could go far beyond portfolio loans, there’s a possibility the seasoned loan definition and other things could be impacted too, changing the entire landscape.
“The statute gives the CFPB a ton of discretion,” Horn said.
That said, the line between what the bureau can do and where Congress should be involved has been questioned in court. Some advocates of deregulation might view that discretion in a new light if they back these attempts to loosen CFPB rules. Consumer advocates might too, Horn said.
A far-reaching change to ATR and QM could face some resistance because the rules around sizing up consumers’ ability to repay were considered a cornerstone of mortgage underwriting reform after the Great Financial Crisis.
Another potential hurdle when it comes to how or whether the proposed extension of safe harbor moves forward is how fast
“It would be hard to undertake this massive reform effort if you’ve staged a reduction in force that affects 90% of the staff. So this could have the effect of preventing the complete shutdown of the CFPB,” said Horn. “It might not mean supervision and enforcement are operating as normal, but at least it could keep the Office of Regulations open.”
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The youngest-ever female CEO of a Fortune 500 company is fighting Trump’s cuts to keep Medicaid strong
Sarah London operates on the front lines of the toughest terrain in U.S. health care. She’s the CEO of Centene, an insurance giant providing government-sponsored plans at a time when funding is tight, costs are rising, and policy shifts create intense uncertainty.
While the St. Louis–based managed care insurer saw revenue grow almost 20% last year, to $194.8 billion, it posted a net loss of $6.7 billion. That was largely driven by a write-down that reflected the new reality for health care companies under the One Big Beautiful Bill Act championed by President Trump. Along with cutting federal Medicaid spending by more than $900 billion over 10 years, the law raises costs and reduces eligibility for people enrolled in Affordable Care Act (ACA) Marketplace plans.
Those changes are shaking up Centene’s core businesses. More than half of Centene’s revenue comes from Medicaid—it’s the country’s biggest Medicaid insurer—with the rest roughly divided between Medicare and Marketplace plans. While analysts don’t expect federal cuts to have a massive impact on Centene’s top line, they’re a sign of the challenges London faces.
Faced with new data that showed its ACA plans were enrolling both fewer and sicker people, London decided to withdraw earnings guidance last July, causing Centene’s share price to fall 40% in a single day, to an eight-year low.
“It’s hard not to feel like pulling guidance and cutting the stock in half is a failure,” London told Fortune in a recent interview. “We’ve watched a new normal unfold in terms of how many different pressures there are on the system and the magnitude of the change we’re facing.”
London is pushing to get ahead of that change. She’s been transforming Centene’s portfolio, technology, and culture since becoming CEO four years ago, at the age of 41, making her the youngest woman to lead a Fortune 500 company (a distinction she still holds).
Under London, Centene is using data and technology to better manage a business that cares for a higher proportion of sicker patients than many other insurers do. She has also launched a One-CenTeam initiative to make Centene a catalyst in creating healthier communities. In May 2024, at the Fortune Brainstorm Health conference, for example, London announced plans to partner in building $900 million of affordable housing in eight states to help boost health outcomes.
Other Centene initiatives spotlight preventive health measures that could help members avoid expensive medical problems—and leave Centene with a healthier bottom line
Mission-driven
After graduating with a history and literature degree from Harvard, London spent two years in the film industry before deciding she wanted to make a bigger social impact. She did stints at Harvard, supporting health, education, and equity initiatives, and at nonprofit Health Leads, building out its model of community-based care, before earning an MBA at the University of Chicago. Her goal: to move from storytelling to systems thinking, using data to drive change.
That mission drew her to Humedica, a pioneer in leveraging big data in public health. “Sarah sort of cold-called me in 2011,” recalls former CEO Michael Weintraub. “It wasn’t, ‘Hi, hello.’ It was, ‘I researched your company; this is what I work on. I’ve heard about your team; this is who I want to work with.’ We made a decision to hire her that day.”
London rose through the ranks at Humedica, which became part of UnitedHealth Group’s Optum, before joining Centene in 2020. She got the top job there in 2022 after longtime CEO Michael Neidorff stepped down shortly before his death.
Neidorff had built Centene from a regional Medicaid plan in St. Louis with about $40 million in annual revenues to the nation’s largest Medicaid managed care organization. With that growth came a lot of acquisitions and bloat. “The mission orientation was there from the get-go—that’s our superpower—but there hadn’t been as much focus on operating discipline,” says London, who subsequently sold off several noncore operations.
What distinguishes London’s leadership is an ability to connect the dots, says Karen Salfity, whom London brought in from Optum to create a more consistent strategy and member experience. “Sarah can look at a very complex situation, understand the various factors, and then create an assessment … with just enough heart that you know she cares deeply,” says Salfity, who has known London for 15 years. “The only thing that’s really changed is the scale at which she is able to do it.”
A new normal
London knows all too well that a lot of factors in health care are outside her control, not least of which is the Trump administration’s push to radically modernize and streamline federal programs. In February, the administration announced new steps to crack down on alleged fraud in Medicare and Medicaid, on top of the funding cuts and expired ACA tax credits that have already taken effect.
London is not as disheartened as one might think. “You could take a step back and come away with the conclusion that these [programs] are under attack,” she says. But she notes that there was “quite a bit of bipartisan support” for making the sector more efficient.
“I have yet to meet a politician who does not believe that affordable, high-quality health care is something very important to be able to provide for their citizens and voters.”
She sees the current reforms as underscoring the need to take a holistic, high-tech approach to caring for vulnerable populations. Indeed, some of Centene’s systems anticipated the changes that the administration has enacted. “We have work programs in more than 17 states; we partner with nonprofits and provide job training to Medicaid members,” London says. “We run every single claim through 75 algorithms every day to look for fraud, waste, and abuse.”
“Health care is wildly overdue for a digital revolution,” she argues, pointing to an array of tech initiatives that Centene has implemented. Those range from designing supplemental food benefits where there are food deserts—”because we know that if you don’t have access to food, medication adherence goes down”—to predictive algorithms identifying members likely to have high-risk births and mobilizing resources to support them. As London notes, “41% of all babies born in the U.S. are born onto Medicaid”; it’s crucial that the program keeps those children healthy so they can “go and get jobs and contribute to economic mobility and all the things we want as part of the American Dream.”
London knows how tough it is to deliver on that dream. “The country is getting poorer and sicker,” she says. “The dollars are not infinite. At the finite boundaries, you have to make decisions about what you are going to fund and what you are not.”
Success is a Sausage – Here Are the Ingredients
Many people love to eat sausage because it tastes so good.
But, if you ever witnessed how sausage was made and the ingredients that went into it, you’d likely cringe.
Most people feel the same way about success as they do about sausage – they want it.
They’d like to be able to live in mansions, have yachts, go on exotic vacations, fly in private jets, own expensive cars, buy expensive jewelry, have a house on the ocean, etc.
But, if you ever walked in the shoes of the average successful person, you’d have second thoughts about success.
Why?
Because if you really knew what goes into creating success, it would make you cringe.
The Ingredients of Success
- Long Work Hours – The Dreamer/Entrepreneurs in my Rich Habits Study worked an average of 61 hours a week, for twelve years. Weekend and vacations were almost non-existent. Those long work hours impacted everyone in the Dreamer’s immediate orbit. Family and friends are hit the hardest by their absence. Often one spouse must take up the slack and raise their children, almost as if they were a single parent. Close friendships whither on the vine, due to those long work hours.
- Financial Stress – Until the Dream begins to pay off, making ends meet can cause almost intolerable stress. Only the strong can survive that stress and that includes the spouses. In the early going, getting a steady paycheck is near impossible. Weak marriages will almost certainly fall apart, due to this stress.
- High Risk – Dreamers have to put everything they own on the line. Their homes, retirement plans, and savings become the assets that breathes life into their Dream. When a Dreamer runs out of assets, they have no choice but to turn to debt in order to continue to finance their Dream. The lucky ones are eventually able to secure Lines of Credit to keep them afloat. The unlucky ones are forced to rely on credit cards or loans from family and friends to survive until they thrive. If they thrive. Pursuing a Dream is a gamble. There’s absolutely no guarantee that the Dream will every pay off. Many fail. In fact, 27% in my Rich Habits Study failed at least once. Failure can mean bankruptcy. Sometimes that bankruptcy is followed by divorce.
- Growth Habits – Successful people forge daily habits which help them grow, improve and become the best at what they do. But, forging good habits, in the beginning, is hard work. You need discipline and a strong reserve of willpower. It’s particularly not easy to wake up at 4:30 in the morning to engage in the growth habits that create success:
- Daily Reading to Learn – Reading helps you to increase your knowledge-base, making you more valuable to everyone you serve. But, it’s not easy devoting hours every day to reading to learn.
- Daily Practice – Practicing three or more hours every day to maintain and improve your skills, isn’t easy.
- Daily Exercise – Exercise not only keeps your body healthy, it helps strengthen and improve brain cells. Daily exercise helps extend the life of all cells in the body by keeping telomeres healthy and long. Daily exercise feeds the body with oxygen, which helps boost cognitive ability. Daily exercise increases the ability of the mitochondria (fuel plants inside every cell) to convert glucose/ketones into ATP (fuel). Daily exercise helps your blood and lungs sweep away waste, bacteria and virus-infected cells. It’s not easy to exercise 30 minutes or more every day.
- Daily Relationship Building – It’s hard work to build and maintain relationships with Influencers who can help fast track success.
When you see how the success sausage is made, most will turn and run.
My mission is to share my unique Rich Habits research in order to add value to your life and help you realize increased wealth, superior health, abundant success, fulfillment & happiness. If you find value in these articles, please share them with your inner circle and encourage them to Sign Up for my Rich Habits Daily Tips/Articles. No one succeeds on their own. Thank You!
Tom Corley is an accountant, financial planner, public speaker, and author of the books “Effort-Less Wealth: Smart Money Habits At Every Stage of Your Life” and “RichKids: How to Raise Our Children to Be Happy and Successful in Life“. Corley’s work has appeared on CNN, USA Today, The Huffington Post, SUCCESS Magazine, and many other media outlets and podcasts in the U.S. and 27 other countries. Tom is a frequent contributor to Business Insider and CNBC.
richhabits.net/
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As per SEBI’s study on the derivatives segment, nine out of ten traders in the Futures & Options (F&O) market incur losses, with the average loss-making trader losing significantly more than the profitable ones gain. Trading in derivatives involves substantial risk and is not suitable for all investors.
Regarding cryptocurrencies in India: Cryptocurrencies are currently not considered legal tender in India, but trading and holding crypto assets is not banned. However, they are unregulated, and the Government of India, RBI, and SEBI have repeatedly cautioned investors about the high volatility and risk of fraud. Crypto gains are subject to a 30% tax on profits and 1% TDS on transactions as per the current tax laws. Regulatory frameworks may change in the future, and viewers should stay updated with official guidelines before making any decisions in this space.
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AI’s disruption is a choice, not a forecast
When Palantir CEO Alex Karp predicted that AI would erode the economic power of “humanities-trained, largely Democratic voters” in favor of “working class, often male voters,” he wasn’t making a forecast. He was making a choice — and calling it destiny.
That distinction matters more than whether he’s right.
AI has advanced faster than almost anyone expected. Recent geopolitical shocks have compounded the uncertainty. But the real question isn’t who wins or loses in Karp’s vision — it’s whether that vision is the one we want to build.
Disruption Isn’t the Same as Progress
The AI era has generated extraordinary wealth. Nvidia and Microsoft are each worth trillions. ChatGPT now reaches 900 million weekly users. By conventional measures, the revolution is working.
But U.S. unemployment hit a four-year high last November. The wealth gap between the top 1% and bottom 50% has widened since ChatGPT launched. Rapid advancement and record market performance are not measures of success — they’re measures of speed.
A technology capable of unprecedented scientific discovery and work automation should do more than reshuffle economic winners. It hasn’t, largely because industry and government have failed to define what outcomes they actually want AI to deliver — or who it should serve.
Trust Is the Missing Ingredient
People adopted the smartphone because they could see how it would improve their lives. Nobody adopts a technology framed as replacing them.
Yet that’s exactly how some of AI’s loudest advocates describe it. The result is predictable: wariness, skepticism, and a widening gap between immense capability and actual value.
For AI to endure — commercially and socially — people need to trust it. That requires them to feel its benefits directly.
Where AI Should Actually Go to Work
If AI is eliminating manual labor, the economically and socially prudent move is to direct that capacity toward the sectors most starved of it: healthcare, human services, and infrastructure.
These industries face acute labor shortages and stretched staff. They’re also where automating manual tasks would be most transformative without displacing workers:
- Doctors spending more time diagnosing and treating patients instead of documenting visits
- Caseworkers staying in their roles because their jobs no longer consume their weekends
- Transit systems running more reliably as maintenance and reporting become automated
That’s not disruption. That’s progress.
Build With Workers, Not For Them
The US leads in AI talent, research, and infrastructure. The challenge isn’t building the technology — it’s pointing it at the right problems.
One meaningful shift since ChatGPT’s launch: the skills threshold to harness AI has dropped dramatically. LLMs, vibe-coding, and accessible tools mean that building and tailoring technology is no longer reserved for elite college graduates. Frontline workers — the ones who actually understand what’s broken in healthcare or social services — are no longer locked out.
A software engineer knows nothing about being a doctor or a caseworker. If AI is going to serve our most critical workers, industry must build it with them, not for them. Government procurement must do the same. That’s how you get both value and trust.
Stop Predicting. Start Deciding.
Karp is right that AI will reshape economic power. Where he’s wrong is treating that reshaping as inevitable rather than engineered.
The problems most in need of solving aren’t hidden. We know where inequality lives. We know which services are buckling. If the leaders building this technology want it to last, they should stop predicting who gets left behind — and start deciding who gets lifted up.
The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.
Best High-Yield Savings Rates for March 23, 2026: Up to 5%
High-yield savings account rates have basically held steady this month, despite some major banks dropping their rates (they weren’t market leaders anyway).
As of March 23, 2026, leading online banks are still offering interest rates up to 5.00% APY, but these top APYs are usually limited. This is still much better than the average of 0.39% APY, according to the FDIC.
Banks and credit unions are constantly adjusting their annual percentage yields (APYs) as markets react to Federal Reserve policy and inflation data, so staying up to date can make a real difference. Here’s where the best savings rates stand today — and what you should know before moving your money.
💰 Today’s Best Savings Rates At a Glance
Here are the best bank and credit union savings accounts rates today:
|
Bank or Credit Union |
Top APY |
Balance Requirement |
|---|---|---|
|
Varo |
5.00% |
On the first $5,000 |
|
Consumers Credit Union |
5.00% |
On the first $10,000 |
|
Pibank |
4.60% |
$0
|
|
Axos Bank |
4.21% |
$0 |
|
CIT Bank |
4.10% |
$2,500 |
1. Varo – Varo is a bank that offers up to 5.00% APY on the first $5,000 with qualifying direct deposits. Read our full Varo review.
2. Consumers Credit Union – CCU offers up to 5.00% APY on your checking account for the first $10,000. The requirements to earn are tiered. Read our full Consumers Credit Union Review.
3. PiBank – PiBank is the online brand of Intercredit Bank, N.A and offers 4.60% APY with no monthly maintenance fees and no minimum balance requirements. Read our full Pibank review.
4. Axos Bank – Axos ONE Savings offers a boosted rate of 4.21% when you receive qualifying monthly direct deposits totaling at least $1,500 and maintain an average daily balance of $1,500 in your Axos ONE® Checking account. Read our full Axos Bank review.
5. CIT Bank – CIT Platinum Savings a two-tiered savings account.
Open an account with promo code CITBoost and you’ll earn 4.10% APY* on balances of $5,000 or more for the first six months* — that’s 10x the national average savings rate.
After 6 months, you’ll return to the regular rate of 3.75% APY* with a $5,000 minimum balance. Otherwise you’ll earn 0.25% APY. See website for full details. Read our full CIT Bank review.
You can find a full list of the best high yield savings accounts here >>
How High Yield Savings Accounts Work And Why Rates Matter?
High-yield savings accounts function just like traditional savings accounts, but they pay a much higher annual percentage yield (APY) — often 10 to 15 times more. You can see how these rates compare to the savings rates at the 10 largest banks in America – and these rates put them to shame.
“High yield savings rates have been holding steady, with very minimal changes throughout the first quarter of 2026.” – Robert Farrington
The banks and credit unions on this list typically always have above-average rates, so even if the Federal Reserve lowers rates and these accounts lower their rates, you’ll still be head.
For example, a $10,000 balance earning 4.00% APY will generate about $400 in interest per year, compared with less than $20 at a big-bank rate of 0.20%. That gap makes it worth tracking rate changes regularly and switching institutions if your current bank stops staying competitive.
However, we expect more rates to dip below that 4.00% level in the coming weeks.
What To Know Before Opening An Account
Before opening a new account, review the key details that determine how much you’ll earn — and how easily you can access your funds.
- Watch For Intro Or Promo Rates: APYs can rise or fall at any time. But a strong introductory rate doesn’t guarantee long-term performance. None of the rates listed here are introductory, but some referral codes may only be temporary rates.
- Transfer Limits: Federal rules no longer cap savings withdrawals at six per month, but many banks still impose limits.
- Safety: Confirm that the institution is FDIC- or NCUA-insured, which protects up to $250,000 per depositor, per bank or credit union.
- Access: Many top-yield accounts are online-only. Make sure you can deposit via mobile app and link external accounts for easy transfers.
These details help you separate truly high-performing savings options from accounts that look appealing but may include hidden limitations or slower rate adjustments.
How We Track And Verify Rates
At The College Investor, our goal is to help you make smart, confident decisions about your money. To create this list, our editorial team reviews savings account rates daily across more than 50 banks, credit unions, and fintechs. We verify data using each institution’s official website, rate disclosures, and regulatory filings.
Only accounts available to U.S. consumers and insured by the FDIC or NCUA are included.
Our coverage is independent and editorially driven – we never rank accounts based on compensation. While we may earn a referral fee when you open an account through certain links, this does not influence our recommendations or reviews. Our opinions are our own, based on a consistent evaluation of usability, fees, yields, and customer experience.
FAQs
How often do savings account rates change?
Banks can adjust rates daily or weekly based on market conditions.
Are online banks safe?
Yes — as long as they’re FDIC-insured. Verify coverage on the FDIC’s BankFind site.
Is interest on savings accounts taxable?
Yes. You’ll receive a 1099-INT if you earn $10 or more in interest.
Should I move my money if rates drop?
It depends on the difference in APY and your transfer limits, and frequent rate chasing can reduce returns if transfers take time.
CIT Bank
For complete list of account details and fees, see our Personal Account disclosures.
* Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
* Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
The Promotion begins on February 13, 2026, and ends April 13, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
Editor: Colin Graves
Reviewed by: Richelle Hawley
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