Advertiser and Editorial Disclosures

Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms are current as of the date indicated. Rates are subject to change without notice and may not be the same at all branches. These quotes are from banks, credit unions, and thrifts, some of which have paid for a link to their website. Bank, thrift, and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser, and have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Articles by John Csiszar

John Csiszar has 18 years of experience as a registered investment advisor. He covers a wide range of personal finance topics with an emphasis on investing and retirement planning. John has written for other notable publications and companies including USAToday.com, The Huffington Post, US News & World Report, Quicken, TurboTax, SF Gate, Experian, and TransUnion. Education: B.A. in English from the University of California, Los Angeles.

Where Should You Invest Money You'll Need in 5 Years or Less? Photo of John Csiszar John Csiszar Where Should You Invest Money You'll Need in 5 Years or Less? When you invest your money, you want to earn the highest return possible. But,... How to File Taxes as a College Student For college students, taxes can be a complex subject. Learn what you need to know about filing taxes for the first time. Find out which IRS tax forms are going to be most relevant for you as a college student and young adult. See the necessary advice that will help you during the process of filing a tax return. Is It Better to Have Savings, Checking, and Loans at the Same Bank? Find out whether it is a good idea to keep all your finances - checking account, savings accounts, credit cards, and loans - at a single bank or financial institution. Compare the benefits and drawbacks of consolidating your finances in one place to see if it better matches the way you manage your money. Should You Create a Pet Emergency Fund? Photo of John Csiszar John Csiszar Should You Create a Pet Emergency Fund? A pet emergency fund can be used to cover unexpected veterinary expenses, which can... How to Cash a Check Without a Bank Account Photo of John Csiszar John Csiszar How to Cash a Check Without a Bank Account Cashing a check has never been easier. In addition to traditional methods, such as... How to Remove Yourself as a Co-Signer From a Loan Learn how you can remove yourself as a cosigner on a loan or line of credit. Find out different ways that you can relieve yourself of this financial responsibility without ruining the relationship with the primary borrower. Otherwise, see the other options -- and their impact on you -- that you can take. Should You Use Your 401(k) or IRA As a Down Payment on a House? Find out if you should use your retirement funds to help fund a down payment on a new home purchase. Learn about the different rules that apply when you're withdrawing early from a 401(k) or individual retirement account (IRA). Consider the pros and cons of this step before tapping your retirement savings to buy a house. How to Build Retirement Savings When You Only Earn $30,000 Per Year Photo of John Csiszar John Csiszar How to Build Retirement Savings When You Only Earn $30,000 Per Year Let’s face it: Saving for retirement can be a challenge. Lots of Americans... How to Get Approved for a Mortgage With Two Different Credit Scores Photo of John Csiszar John Csiszar How to Get Approved for a Mortgage With Two Different Credit Scores You may have waited for this moment your entire life: the moment when you own a... How Parents Can Help Their Children Build Good Credit For parents who want to give their children a head start on building good credit, learn how to help them begin establishing credit at an early age.