Tools provide estimates for general information only and are not an offer, a rate quote, or legal, tax or investment advice. FDIC coverage estimates assume a single ownership category and do not account for joint, trust, retirement or other categories or deposits you may hold elsewhere; use the FDIC’s Electronic Deposit Insurance Estimator at edie.fdic.gov for an official estimate. Earnings are hypothetical, assume simple interest, and are not guaranteed; the national average is the FDIC national savings rate (0.39% as of 10/06/2025). ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; averages are not a guarantee of any client’s rate. § CDs are issued by participating insured institutions and may carry early withdrawal penalties. A placement fee applies to CDs and is charged at maturity, subject to a signed agreement with Ampersand; see your agreement for fee details. Ampersand, Inc. is not a bank. Full disclosures →