SwitchWizeFinancial Decisions, Made Clearer

Deposit decisions

Start with the decision in front of you.

Each guide answers one question up top, then gives you a calculator and live rates to check the math on your own money.

  1. I have a CD maturing or want to lock a rate

    Decide whether to lock, wait or break a CD.

    4.95% top cd apy, as of 2026-10-01

  2. I want more on my savings

    See whether your rate kept up and what moving would pay.

    4.27% top savings apy, as of 2026-10-01

  3. I have cash at a brokerage

    Check what idle brokerage cash is earning.

    4.27% top savings apy, as of 2026-10-01

  4. I got a windfall

    Park a lump sum safely for the next few months.

    4.27% top savings apy, as of 2026-10-01

  5. I'm saving for a home

    Grow a down payment without putting it at risk.

    4.95% top cd apy, as of 2026-10-01

  6. I want to know my money is safe

    Check deposit insurance on banks, families and apps.

    0.38% national average savings, as of 2026-10-01

  7. I'm setting up money for my kids

    Match a child account to when the money is needed.

    $389 yearly gap on $10,000, as of 2026-10-01