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¹ APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.

² MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.

^* The national average interest rate is currently 0.07% per the FDIC's website. Not all offers will earn 18x the interst rate over the national average. This figure is based on our highest advertised offer. Updated July, 2020.

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