Is the number APY, simple interest, a sample, a past rate, a promotional rate, or just marketing language?

Some rates apply only above or below specific balances. A headline can hide tiers that change the outcome.

Money market products may differ in withdrawals, transfers, settlement timing, and where cash actually sits.

Maintenance charges, platform fees, advisory fees, and transfer costs can reduce the practical value of a rate.

Visitors should verify who holds the funds, who publishes the rate, and which protections do or do not apply.

A rate may be variable or promotional. The key question is not only “what is it?” but “how long can it change?”