Ryan Wilcox

Charlotte

Content Writer at Townsquare Media

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Articles

Sick of Low Rates? This High-Yield Account Is Turning Heads in May 2025

1 week ago | fool.com | Ryan Wilcox

If you're tired of earning next to nothing on your savings, you're not alone. Per the Federal Reserve, the average savings account APY was just 0.41% as of February. That means if you had $8,000 in savings, you'd earn just $32.80 a year in interest. Compare that to one of our favorite high-yield savings accounts, the LendingClub LevelUp Savings account, which is offering 4.40% APY with $250+ in monthly deposits.
Have a Bank of America Savings Account in May 2025? You're Probably Missing Out on $300-plus a Year

1 week ago | fool.com | Ryan Wilcox

If you're keeping your cash in a Bank of America savings account, chances are you're missing out on hundreds of dollars in passive income. That's because right now, the base annual percentage yield (APY) on Bank of America Advantage Savings account is just 0.01%. That means if you've got $8,000 in that account -- the median account balance as of 2022, per the Federal Reserve -- it'll earn you just $0.80 in interest over the course of the year.
3 Credit Cards You'll Want to Keep Forever -- Even in 2025

1 week ago | fool.com | Ryan Wilcox

KEY POINTS The Chase Sapphire Preferred® Card offers strong travel benefits and flexible rewards options. The Wells Fargo Active Cash® Card comes with unlimited 2% cash rewards for a $0 annual fee. The Capital One Venture Rewards Credit Card provides simple, valuable rewards on every purchase. It's easy to get suckered in by a credit card's flashy welcome offer or short-term promotion. But what if you're looking for a card that's built for the long haul?
3 Reasons Not to Open a CD in May 2025 -- Even With Rates Over 4%

1 week ago | fool.com | Ryan Wilcox

KEY POINTS High-yield savings accounts offer similar returns to CDs without locking up your money. The stock market has stronger potential for long-term growth. Paying off high-interest debt like credit card debit is a better use of your money. Certificates of deposit (CDs) might seem like a great use of your money, with rates over 4.00% right now.
CD Rates Are Already Dropping. Should You Lock in a High APY While You Still Can?

1 week ago | fool.com | Ryan Wilcox

KEY POINTS Several banks have already cut their CD rates, and more could follow. The Federal Reserve is expected to start cutting interest rates later in 2025. Locking in a long-term CD now could help you earn more before rates fall further. After a long stretch of strong certificate of deposit (CD) yields, a shift may be in the air. Banks including Marcus, Brilliant Bank, T Bank, Bread Savings, and others have recently lowered their CD rates.
Applying for the Amex Platinum in May 2025? Read This First

1 week ago | fool.com | Ryan Wilcox

KEY POINTS The Amex Platinum Card is one of the most premium credit cards on the market, offering a long list of perks alongside a $695 annual fee. You'll likely need a good to excellent credit score to get approved. To offset the steep annual fee, cardholders can get more than $2,000 in value from the card in their first year. The Platinum Card® from American Express is one of the top travel cards on the market.
Here's How Much You Can Make With $10K in High-Yield Savings Right Now

2 weeks ago | fool.com | Ryan Wilcox

If you have $10,000 sitting in a checking account or a low-interest savings account, your money could be working a lot harder. Right now, high-yield savings accounts (HYSAs) are offering some of the best rates we've seen in years. Here's what you could be earning right now, and why an HYSA might be the smartest place to stash your savings. HYSAs are still paying bigAs of mid-April 2025, some of our favorite HYSAs are offering up to 4.40% APY.
What Happens When You Hit an 850 Credit Score? The Truth in 2025

2 weeks ago | fool.com | Ryan Wilcox

If you've reached an 850 FICO credit score, congrats -- you've achieved credit score perfection. But now that you've hit that top-tier number, you might be wondering: What now? Here's the truth: A perfect score doesn't come with better perks. Once you're in the "exceptional" range -- which means anything above 800 -- you've already unlocked the best interest rates, credit card offers, and approval odds. Still, there are a few things worth knowing about what actually happens once you hit 850.
3 Must-Have Credit Cards for April 2025

2 weeks ago | fool.com | Ryan Wilcox

KEY POINTS The Chase Sapphire Preferred® Card is a great pick for travel perks and flexible rewards. The Wells Fargo Active Cash® Card offers straightforward cash rewards on every purchase. The Citi Custom Cash® Card lets users tailor rewards to their spending habits. Now's a great time to shop around and get more value from your credit cards.
$20K in a CD Today? Here's the April 2025 Payout You Can Expect

2 weeks ago | fool.com | Ryan Wilcox

KEY POINTS CD rates in April 2025 are as high as 4.65% APY -- 12-month CDs top out at 4.50% now. A $20,000 CD could earn you up to $900 in interest over one year. Those are great rates, but high-yield savings accounts are offering comparable rates with more flexibility. If you have $20,000 sitting in a checking account, you might be tempted to lock it into a certificate of deposit (CD) and earn some risk-free interest on your cash.

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