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What Are the Best CD Rates Today?

And it’s not much lower than the one-year high-yield CDs we mentioned above.

Perhaps the bigger advantage with high-yield savings accounts, however, is that you’ll still be able to access your money when you need it...
That makes these accounts a better pick for any money you need to be able to withdraw quickly and penalty-free, such as an emergency fund.

Of course, if you opt for a high-yield CD online or open one with a higher balance or longer term, a CD can still beat these accounts when it comes to APY...
All of these CDs mature at the same time, but you still had access to at least a portion of your money until the last year.

Alternatives to CDs

If you’re not quite sold on CDs, there are some other low-risk alternatives that might be a better fit — some more liquid than CDs, and some less so.

High- Yield Savings Accounts

A high-yield savings account offers a beefier interest rate than the paltry national savings account average, which is 0.09% in August 2015, according to Bankrate...
For example, maybe you want to invest some of your money in a five-year CD now, and then in two years, some in a three- year CD, and then in two more years, a couple of one-year CDs...
This is best if you’re betting interest rates will rise, or you’re saving for a particular purpose and won’t need the money until after the CDs mature...
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Payment Processing

It is also important that the company offers imprest loans in case you need some extra money for emergency needs.

  • Fees charged by the company must be compatible...
    Moreover, you can also send and receive money through a single secure platform....
    E-commerce solutions can save both money and time...
    This may be cheaper than other options available.