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The 2008 Financial Crisis in 13 Minutes
September 2008. A 158-year-old investment bank collapses overnight.
What follows is the worst financial meltdown since the Great Depression—$19 trillion in household wealth erased and more than 8 million jobs lost.
In this video, we pull back the curtain on how cheap money, sub-prime mortgages, and Wall Street alchemy turned the American Dream into a global nightmare—and why the shockwaves still shape your wallet today.
Timestamps
0:00 The Housing Hype Machine
3:03 The Bubble Inflates – Greed, Leverage, and the Point of No Return
6:56 The Collapse – When the Music Stopped
9:47 The Rescue – Bailouts, Billions, and a Bucket of Rage
💥 Watch till the end for the takeaways every investor—and homeowner—needs to remember.
🔔 Like, subscribe, and hit the bell for more jaw-dropping true financial stories.
📤 Share this video with a friend who still thinks “housing always goes up.”
⚠️ Disclaimer
This video is for educational and entertainment purposes only. Some details may be simplified or contain inaccuracies. Always conduct your own research to gain a deeper understanding of the topic.
💼 Business Inquiries: contact.crayoncapital@gmail.com
🛑 Copyright Notice
If you have any copyright concerns, don’t hesitate to contact me. I’ll be happy to work on a fair resolution. Please use “Copyright Issue” as the subject of your email.
#2008Crash #FinancialCrisis #HousingBubble #Subprime #EconExplained
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Best 12-Month CD Rates for November 19, 2025: Up to 4.20%
Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking guaranteed returns as rates fall. As of November 19, 2025, the best 12-month CD rates reach up to 4.20% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.64%, according to the FDIC.
It’s interesting to note that most banks have been holding their 12-month CD rates steady, or even increasing them since the Fed Rate cut. This is the opposite of what we’ve been seeing with savings accounts.
Now might be the best time to lock in a guaranteed rate. If you’re looking to earn a predictable return over the next year, these are the best CD rates available today.
💰 Today’s Best 12-Month CD Rates At a Glance
Here are the best bank and credit union savings accounts rates today:
|
Bank or Credit Union |
Top APY |
Minimum Deposit |
|---|---|---|
|
Credit One Bank |
4.20% |
$100,000 |
|
Alliant Credit Union |
4.10% |
$1,000 |
|
Discover® Bank |
4.05% |
$0 |
|
Seattle Bank |
4.00% |
$1,000 |
|
Live Oak Bank |
4.00% |
$2,500 |
1. Credit One Bank – Credit One Bank is offering a jumbo CD at 4.20% APY, but it does require a $100,000 minimum deposit to open.
2. Alliant Credit Union – Alliant Credit Union offers short term and long term CDs with competitive APYs. Right now you can get 4.10% APY on a 12-month CD option! And you can even earn up to 4.15% APY on a Jumbo CD. Read our full Alliant Credit Union Review.
3. Discover® Bank – Discover® CDs have no minimum to open and an early withdrawal penalty of 3 months interest. Right now you can earn 4.05% on a 12-month CD. Read our full Discover Bank review.
4. Seattle Bank – Seattle Bank is currently offering a 12-month CD at 4.00% APY with just a $1,000 minimum deposit.
5. Live Oak Bank – Live Oak Bank is currently offering a 12-month CD at 4.00% APY with a $2,500 minimum to open. Read more about Live Oak Bank here.
You can find a full list of the best 12-month CDs here >>
How 12-Month CDs Work
A 12-month certificate of deposit pays a fixed interest rate for one year in exchange for keeping your money on deposit until maturity. If you withdraw early, the bank charges a penalty – typically 90 days of interest.
CDs appeal to savers who prefer guaranteed, short-term returns. While high-yield savings accounts offer flexibility, CDs can secure a higher fixed return for a set period, which can be helpful if rates are expected to decline.
For example, a $25,000 CD at 4.00% APY would earn roughly $1,000 in one year, compared with about $420 based on today’s national average 12-month CD rate.
What To Know Before Opening A CD
Certificates of deposit operate differently than savings accounts. Make sure you understand what you’re getting:
- Short-Term Goals: Ideal for saving toward tuition, a wedding, or a home down payment within a year.
- Rate Protection: A CD locks your APY, so you’re insulated from rate cuts.
- Ladder Strategy: Pair a 12-month CD with longer terms (24- or 36-month) to capture higher rates while maintaining liquidity.
- Safety:
FDIC or NCUA insurance protects up to $250,000 per depositor, per institution.
Before opening an account, make sure you understand all the terms:
- Minimum Deposit: Some banks require $1,000 or more to open.
- Withdrawal Terms: Review penalties before committing funds.
- Renewal Policy: Many CDs automatically renew at maturity unless you opt out.
- Rate Guarantees: Confirm whether your rate is locked at the time of application or funding.
- Online Access: Ensure the bank allows easy transfers and e-statements.
How We Track And Verify Rates
At The College Investor, our editorial team reviews CD rates daily from more than 30 banks and credit unions nationwide. We confirm every APY directly from official rate disclosures and regulatory filings.
Only FDIC- or NCUA-insured institutions available to U.S. consumers are included.
Our rankings are editorially independent – compensation does not influence placement. While we may earn a referral fee when you open an account through some links, our reviews and recommendations are based solely on yield, accessibility, and overall customer experience.
FAQs
Are 12-month CDs safe?
Yes. CDs are federally insured up to $250,000 per depositor, per institution.
Can I withdraw my money early?
Yes, but you’ll forfeit some interest, typically three months’ worth.
Are CD earnings taxable?
Yes. Interest earned is subject to federal income tax, and in some states, state tax.
What happens when a CD matures?
You’ll usually have a 7- to 10-day grace period to withdraw or renew your funds.
Is now a good time to open a CD?
Rates remain near their cycle highs, so locking in a short-term CD can make sense before potential cuts.
Editor: Colin Graves
Reviewed by: Richelle Hawley
The post Best 12-Month CD Rates for November 19, 2025: Up to 4.20% appeared first on The College Investor.
‘Digital friction’ impacting employee efficiency
New report reveals the human impact of digital frictions at work
Rakuten Offering Up to $65 or 6,500 Bilt Points for Chase Freedom Unlimited
Rakuten Offer for Chase Freedom Unlimited
Rakuten is offering an increased bonus for those who apply and get approved for a new Chase Freedom Unlimited card. You can now earn:
- $65 Cash Back as a New Chase customer
- $30 Cash Back as an Existing Chase customer
See the offer here. This is in addition to the welcome bonus on the Chase Freedom Unlimited card.
You will only see these offers if your Rakuten account is set to earn cash back or Bilt Points. Those earning Amex Points will not see the offer.
If you don’t have a Rakuten account, you can sign up now and also earn a $50 bonus.
Important Terms
Cash Back provided by Rakuten, not Chase. Cash Back only available for new, approved Chase Freedom Unlimited® cardholders who keep the account open for a minimum of 3 months after approval. Only one cash back bonus per Rakuten member account.
Guru’s Wrap-up
The Chase Freedom Unlimited is a no-fee card that earns 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, and 1.5% on all other purchases.
With that said, there are better cards from Chase so you should see which one works best for you, even if you have to pay an annual fee.
Thanks to one of our DDG Facebook Group members for sharing this deal.
These 20 Remote Jobs Pay at Least $30 Per Hour (and Some Don’t Require Experience)
Accountants, web designers, and marketing managers are just a few examples of professionals earning $30 an hour or more on average, but if those fields aren’t your thing, don’t worry. There are plenty of jobs that pay $30 an hour, including remote work options across nearly every industry. In this guide, we’ve referenced data from the U.S. Bureau of Labor Statistics (BLS) to highlight a variety…
If Your Employees Are Taking On Second Jobs, Here’s How to Handle It
Economic realities are forcing many people who’ve already got a full-time job to take on extra work.
Here’s the Dead Simple Way You Can Double Any Credit Card Welcome Bonus
When I first started chasing credit card bonuses, I thought I was doing everything right. I’d sign up for the best offers, hit the spending requirement, and enjoy the big rewards.
But while my wife and I were planning a trip, it hit me: We could’ve earned twice as many points without spending a cent more if we just both got the same card.
How this works
Most credit card welcome bonuses are per account, not per household. So if a card offers, say, 75,000 points for spending $5,000 in three months, that bonus only applies to the person who opens it.
If your spouse or partner opens their own account under their name, they can earn the exact same bonus after meeting the same spending requirement.
It might not be possible for you to hit both spending requirements at the same time, but you don’t have to. Just stagger when you open each card. Earn one bonus with your normal spending, and then once you’ve it hit, open the second card and repeat.
If you’re not sure where to start, you can see a list of the best credit card welcome bonuses available here.
A few quick tips
- Apply separately: Each partner needs their own card and spending requirement.
- Track spending carefully: You don’t want to accidentally mix purchases on the same account.
- Plan ahead: Time applications so you can comfortably hit the spending goals without overspending.
It really is that simple
You don’t need fancy tricks or endless spreadsheets to win at credit card rewards. Sometimes the smartest move is the simplest one:
If you and your partner both get the same card, you can double your welcome bonuses — and double your next vacation — without spending an extra dime.
See some of the best current welcome bonuses available today.
Best Crypto Trading Apps for Indian Users : Top 10 Platforms
Discover the top 10 cryptocurrency trading apps for Indian users, designed for secure and efficient trading. From Bitcoin and Ethereum to other popular altcoins, we’ll explore the best platforms for Indian traders. We’ll compare features like security, transaction fees, user interface, and available cryptocurrencies. Learn how to navigate the Indian crypto market with the right apps.
#CryptoIndia
#BitcoinIndia
#CryptoTradingIndia
#IndianCrypto
#CryptocurrencyIndia
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Bestbuy.com: $100 Amazon Giftcard + $10 Best Buy eGiftcard For Free (Limit 5)
The Offer
Direct link to offer
- Bestbuy.com is offering a free $10 best buy eGiftcard when you purchase a $100 Amazon gift card
Our Verdict
Can be done five times (need to do one $100 gift card per transaction). Don’t forget the AmEx offer for $25 back when you spend $250+. Think this will definitely sell out quickly so I’d recommend jumping on it.