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.
Jay Rege leads research at SwitchWize, with more than 20 years of experience in retail banking, including roles at SunTrust Bank and First Republic Bank. He writes on deposit accounts, retail banking products, and what they mean for everyday savers.
Every article with rate data or financial claims is reviewed for accuracy before publication, checked against provider and market data, FDIC records, and official lender sources before anything goes live.
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 20+ year retail banking veteran with direct experience at SunTrust Bank and First Republic Bank. 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 currently has no compensated product links. Editorial decisions use the published methodology.
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, TERMCBCCINTNS for credit cards.
SwitchWize currently has no compensated product links. Rankings use the published methodology.
Read More
See the full criteria we use to rank products, source rate data, and publish guides.