This site shows ads served by Google AdSense. Google's systems choose and place these ads, and this site does not pick or write them. An advertiser can be any bank, credit union, app or broker covered here. An advertisement is not a grade, a recommendation or an endorsement from this site.
Some links in the Provider links section are affiliate links. This means the provider may pay a fee if an account is opened through that link. Providers include savings marketplaces such as Raisin and brokers such as Interactive Brokers. The reader pays nothing extra for using an affiliate link. Each affiliate link is marked with the label "Affiliate link" near the link itself. These links are switched off until each affiliate programme approves this site. Until then, every link in the Provider links section carries the label "Public link".
No institution pays to be graded, listed or removed. Buying advertisements through Google does not change that fact. Grades are computed from public government data using a fixed set of rules. The code that computes grades does not know which providers pay or which ads appear.
The data comes from the FDIC, the NCUA and the public pages of fintech apps and brokers. It is the same data any member of the public can access. The site compares institutions only with others of similar size. Each letter grade means the institution's score is better than a certain percent of its peers. About 20 percent get an A, 30 percent a B, 30 percent a C, 15 percent a D and 5 percent an F in each size band.
The money module titled "Where cash earns more and stays insured" appears in the same place on every page. Its presence is not related to the grade on that page. It uses the same wording on every page.
For information on what advertising systems collect about readers, see the privacy page. This includes details on cookies and data collection by Google AdSense and Google Analytics.
Nothing on this site is financial advice. The grades are a comparison of past public data. They are not a prediction, a credit rating or a regulator's opinion. They are not a forecast that any institution will or will not encounter difficulties. Deposit insurance from the FDIC or NCUA applies to covered accounts regardless of the institution's grade.