SwitchWize Research Desk
Every guide is researched by the SwitchWize Research Desk or a named author, reviewed for accuracy before publication, and updated when rates change.
Our team includes professionals with experience at major U.S. financial institutions — bringing firsthand knowledge of how banks, lenders, and credit products actually work.
The Research Desk is the writing and editing team behind SwitchWize guides, with professionals experienced at major U.S. financial institutions. We review rates across savings accounts, CDs, mortgages, and credit cards against provider and market data.
Every article with rate data or financial claims is reviewed for accuracy before publication. Reviews are led by Adeesh Setya, a Principal at SwitchWize and former Treasurer at Merrill Lynch Bank USA and Morgan Stanley Bank USA, who brings firsthand experience in bank funding, deposits, and interest-rate risk.
SwitchWize follows Google's E-E-A-T framework as the foundation of every article we publish.
Our writers have direct experience with the financial products they cover — personal savings accounts, mortgages, credit cards, and investment accounts used in real life.
Editorial review is led by a former bank treasurer with direct experience in deposits, funding, and interest-rate risk. Our writers cover savings, lending, credit cards, and investing with a data-first methodology.
Rate claims are reviewed against data from 150+ institutions. We cite Federal Reserve data (FRED), FDIC records, and official lender sources.
SwitchWize earns revenue through affiliate partnerships but our rankings are never influenced by commercial relationships. Editorial decisions are independent.
Writers gather rate data, lender terms, and relevant FRED data before drafting.
Articles written to a strict accuracy standard — every rate claim cited, every claim verifiable.
Editor reviews for accuracy, completeness, and compliance with SwitchWize's editorial standards.
Rate data verified against live sources on the day of publication.
Articles go live with publishedAt and updatedAt timestamps for full transparency.
Articles reviewed on a rolling basis. Rates verified and updatedAt bumped when content is refreshed.
150+ institutions reviewed. Rate observations are stored with source URL, timestamp, and institution ID, then checked by hand quarterly.
Federal Reserve Economic Data (FRED) for national averages — DPSACBW027SBOG for savings, MORTGAGE30US for mortgages, TERMCBCCALLNS for credit cards.
Some links earn referral fees. These never influence rankings or recommendations. All rankings based on independent analysis.
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See the full criteria we use to rank products, source rate data, and publish guides.