How We Select and Rank Offers

APY Calculator is published by 2K Ventures LLC as an informational comparison resource. Our goal is to help readers understand savings yields in cash terms and compare accounts that are broadly suitable for emergency funds and short-to-medium-term cash savings.

What we optimize for

We rank and compare featured offers using a practical checklist: APY (annual percentage yield), FDIC insurance status for bank deposit products presented as insured (we only feature FDIC-insured accounts on this site), fee structure (especially recurring monthly fees that erode savings), and minimum balance requirements that may disqualify smaller savers.

Affiliate relationships (clear disclosure)

2K Ventures LLC may earn commissions when you open an account or take certain actions through our links. Those commissions can influence which products we highlight prominently, which is why we publish a persistent site-wide disclosure and repeat disclosures near calls-to-action. Commissions do not change the math in our calculator: the inputs are yours, and the outputs are computed from the APYs you enter and the APYs we display.

When we label an offer as a "top recommendation," that designation reflects a combination of competitive APY and the editorial/commercial prioritization described on this page — not a personalized suitability determination for your individual tax, legal, or investment situation.

What we are not doing

We do not claim to review every account in the market. We do not provide financial, tax, or legal advice. We do not see your bank statements, and we do not know your full financial picture. Rates and account features change; always verify details on the institution's official website before applying.

Questions? Visit our About page for contact context. This page is informational and not financial advice.