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2026-02-26 11:35

Close quarters: What are the defining factors of a liveable urban area?

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2026-02-26 11:35

Close quarters: What are the defining factors of a liveable urban area?

1.Fremantle, AustraliaWestern Australia’s Fremantle – or Freo (“Free-O”) as it’s known – may technically be a suburb of Perth and its port, but the area’s distinct history and tight-knit creative community make it a place unto itself. While the 30,000 or so people who live here affectionately describe Fremantle as a “bubble”, downtown Perth (30 minutes away by car or train) is a place to venture only if strictly necessary. “It’s like a small town where everyone knows everyone,” says Blaze Young, executive chef at Nieuw Ruin, a restaurant on Fremantle’s Norfolk Street. Young was born in Fremantle but grew up “way out in the bush” and moved back as an adult. “This is a really beautiful, open and welcoming community. There are no downsides.”Fremantle’s beautifully preserved Victorian and Edwardian architecture points to its heyday as a 19th-century maritime hub and there’s a mix of colonial red-brick houses, ornate wrought-iron balconies and gothic revival-style churches. Bricks-and-mortar retail is thriving too: the high street is a bustling mix of cafés, wine bars, bookshops, fitness studios and art galleries. The ocean is a few minutes’ away and walking and cycling paths trace the shoreline, leading to pristine sandy shores such as Bathers Beach and the seaside Esplanade Park. Families with young children crowd the playground and wander along the shore. “We have the best beaches in the world by far,” says Young with utter conviction. Every afternoon in the summer, the “Freo Doctor”, a colloquial term for a seasonal sea breeze, blows in from the sea, cooling the whole town.South Fremantle dog beachIn the past few years a spate of new cocktail bars, breweries, restaurants and speciality cafés opened, injecting new energy into Fremantle’s dining scene (but the classic seaside fish-and-chip spots are still not to be missed). Fresh seafood and local produce dominate bistro menus and wine lists run pages long, taking advantage of Fremantle’s proximity to Margaret River, one of the country’s best wine regions. Good Things Café on Bannister Street has become a weekend brunch institution, to the extent that its owners have been stopped on the street by loyal customers demanding to know when their favourite seasonal dishes are returning to the menu. A quiet cultural backwater it isn’t: Fremantle’s arts scene, one of its best-known features, has deep roots. Former shipping warehouses and a Victorian-era asylum now serve as exhibition centres and artists’ studios, such as the colourful J Shed, while independent art galleries populate many shopfronts around town. Amy Grasso, a Fremantle resident who juggles a day job at an apothecary with her textile art, which she makes in one of the J Shed studios, co-organises “creative meet-ups” for local artists. “We’re trying to organise community support for creatives,” says Grasso with a grin. “A lot of artists live in Freo.” Indeed, there are frequent weekend and summer markets featuring Fremantle artisans, dressmakers and ceramicists. “It’s a place that artists have always been drawn to,” says Carine Thévenau, a photographer who grew up in Fremantle and moved back from Sydney last year with her husband and daughter. Before heading to the beach, she drops a parting refrain that Monocle became very familiar with on our trip. “Freo has everything we need.”Fremantle’s top spotsThe bar:Patio Bar 4/3-13 Essex Street Nieuw RuinThe outdoor space:South BeachThe cultural centre:1 Fleet StreetThe school:John Curtin College of the ArtsDrinks at Gage Roads BreweryKidogo ArthouseHannah at Patio BarJ Shed artists’ studiosIce cream at Kuld CreameryDinner at Nieuw RuinNew Edition bookshopWine tastingFremantle wine bar Vin PopuliSouth Beach at sunsetTaking a dipCicerello’s FremantletFremantle harbourBaby Jack Jones and dadSculptor Greg James at J ShedSculptor Jina Lee’s studio at J ShedStudent at the University of Notre DameKuld Creamery owners Kaitlyn and Mati KuldFish tacos at Gage Roads BreweryBathers Beach House2.Kita-Kamakura, JapanJust a short journey from Tokyo by train, Kamakura offers a very different perspective. The city of 171,000 sits on Sagami Bay, spreading back from a wide sandy beach into the hills. It might not be immediately obvious from the laidback surfer vibe of today but Kamakura was once the religious and political heart of Japan and, in the 13th century, its second capital. The remnants of that era are everywhere, in dozens of temples, shrines and gardens. Tsurugaoka Hachimangu shrineEnoden railwayCipollino restaurantJust a few steps away from Shokado is Cipollino, a bistro where the daily menu includes a fresh pasta with local vegetables and seafood from Zushi, just along the coast. Owner-chef Shuhei Koizumi’s grandfather had a Japanese restaurant in Kita-Kamakura. “I trained in Tokyo,” says Koizumi. “But I always wanted to come back.” One woodworker here is still operating at age 79. His family shop, Tomono Furo, which sells cedar bowls, stools and chopping boards, has been in Kita-Kamakura since 1814. “I started when I was 10 and I make everything by hand,” he tells Monocle. “Things you buy online can’t compare.” Taking snaps on Yuigahama BeachYakitori HideyoshiKamakura Annex at the Museum of Modern Art, Kamakura AnnexKita-Kamakura (North Kamakura) is a lush, woody enclave a couple of kilometres inland and surrounded by hills. Streets are leafy and low-rise, and the elegant tone is shaped by the historic Zen temples that stretch along the road. Shokado is a confectionery shop on the main street run by Tomoko Kurihara and her brother; their father opened the business in 1961 and today they sell traditional Japanese sweets. “This is a friendly neighbourhood,” says Tomoko. “People look out for each other.” Outdoor activities are also prominent. “If you grow up here, hiking is part of life,” she adds. One of the most popular trails leads up from Kita-Kamakura, along a ridge and down into Zuisen-ji temple in the east of the city. La Petite Boulangerie in Kita-KamakuraSurfing at Yuigahama BeachMeigetsuin temple in Kita-KamakuraLast year furniture collector Thierry Lamoine and his wife, Arrow Nakajima, opened Galerie One in a pre-warkominka(wooden house). A short walk from Kita-Kamakura and next to the peaceful temple of Kakuon-ji, the beautifully preserved house is the perfect backdrop for Lamoine’s exceptional finds by architects and designers such as Pierre Jeanneret and Charlotte Perriand. “The furniture looks much nicer than in a white cube in Tokyo,” says Lamoine, who also has a gallery in Paris. “Knowing our customers is the biggest asset of the Kamakura gallery: collectors can sit, have a drink and take time to tell us which pieces they like. They never stay less than one hour.”Kenji Oguchi at Kita-Kamakura ShokadoHokokuji templeViews of Sagami BayWhile the tranquillity of Kita-Kamakura makes it a great place to live, those after a more vibrant proposition can hop on a five-minute train to central Kamakura, where there are bars, restaurants and food shopping in theichibamorning market. The traditional Kamakura scene ofhato-sabure(dove-shaped shortbread biscuits) and craft shops is still there but it has now been joined by outdoor brands, coffee shops and a Muji restaurant. Some things never change though: just stand on the beach and take in that perfect sunset view of Mount Fuji.  Ikebana’ artist Toru Watarai at Galerie OneNoodles at Kirasa restaurant in KamakuraDaibutsu at Kotokuin templeBack in Kita-Kamakura, residents have the place to themselves, the only audible sounds emanate from the trees and the forested hills (and perhaps the clink of wine glasses at Cipollino). “It’s very quiet here,” says Tomoko Kurihara. “That’s how we like it.”Cyclists at WakamiyaojiCipollino’s owner-chef Shuhei Koizumi with colleagueGalerie OneFresh goods at La Petite BoulangerieProduce market in KamakuraCafé Meal MujiBamboo flower baskets for saleHappy walkers on Yuigahama BeachNowhere bakery in a former liquor shop3.Chiaia&Vomero, Italy“I wouldn’t go to any other city in the world,” says Giò Nardi as he shows Monocle around his apartment in Naples’ upscale Chiaia neighbourhood. Like so many we speak to during three days in the city, something drew Nardi, a DJ and events organiser, back to his hometown after some time away. It might have something to do with the Bay of Naples glistening away in the distance just outside the window. “I can swim before work or go to Capri at weekends,” he says. “It still feels authentic here.”Naples’ stretch of coastline isn’t the Côte d’Azur – but that’s the point that Nardi is making. Neighbourhoods such as Chiaia feel rooted in place rather than transformed into tourist playgrounds; community still exists. One resident we meet by the district’s waterfront, who gives his name only as Andrea, says that he has lived in Miami and Barcelona but Naples always wins due to “the Neapolitan’s heart; a Neapolitan will always help you”, before zipping down the Viale Anton Dohrn on his BMW CE 04 electric motorbike.Naples’ top spotsGiovanni Bausan the restaurant Cap’alice 28/m Via Giovanni Bausan the outdoor space Villa Floridiana Park the cultural centre Thomas Dane Gallery thomasdanegallery.com the shop M Cilento & Fratello cilento1780.itLiberty palazzo in ChiaiaReady for summer on Chiaia’s public beachSweeping views, including of Vesuvius, from VomeroChiaia is one of the city’s most liveable quarters, with shops, bars and restaurants at its centre. As you retreat from the shore and up into the hills, it becomes populated by 18th and 19th-century villas, plus the occasional Liberty beauty. Nardi calls the area “a good compromise” between the centre – teeming with history but chaotic and full of tourists – and more residential Posillipo further round the coast.Lemon-selling kioskLucrezia Maspero in Villa Floridiana parkFederica Sheehan’s homeThat sense of warmth is shared by Lucrezia Maspero, a tennis instructor originally from Milan, who met her Neapolitan husband in Rome and moved to the city eight years ago. We meet in the Villa Floridiana park in Vomero, a leafy neighbourhood with spectacular views, that sits immediately above Chiaia. “People are very close here,” she says. “You feel immediately at home.” And while she admits that it lacks playgrounds for her two children and other civic amenities, she can still jump in a canoe and explore the coast or be in woodland in less than an hour.Flower shop spilling onto the streetJ’adore Napoli” kioskNear the waterfront in ChiaiaBack in Chiaia, gallerist Federica Sheehan shows Monocle around the Naples outpost of London’s Thomas Dane gallery, open since 2018. Set in a grandiose 19th-century villa, Sheehan says that Chiaia has the “space and light” that the centre lacks. She also explains the neighbourhood’s deep contemporary art roots, pioneered by art dealer Lucio Amelio and continued by the likes of Studio Trisorio and Galleria Lia Rumma.  Osteria della MattonellaSharp dressing on Chiaia’s waterfrontLively avenueIn the evening, people are drinking aperitivo on Via Bisignano, while children play football and adults fish off rocks on the waterfront. Restaurants and taverns such as Cap’alice, Osteria della Mattonella or Vomero’s historic Gorizia pizzeria mean that it’s hard not to eat well. Over at Jus natural wine bar and restaurant, small dishes includingluvaro(a local fish) served with a strawberry vinegar and celery, and anchovy fillets accompanied by fragrant bergamot butter, can all be washed down with a glass of minerally Greco di Tufo white wine. Ponte di Chiaia dates back to the 17th centurySmart shops in central ChiaiaPalazzo courtyardJus owner Diego Amura left a job in telecommunications to follow his passion for wines in 2021 and hasn’t looked back, helped by the fact that his commute is precisely a three-minute walk. “I love it here. I practically live on the sea and arriving at work is a joy,” he says, before pausing for a moment. “The sea changes everything.”Effortless moped-ready styleChic Chiaia localLunchtime crowd at Osteria della MattonellaChiaia street sceneChiaia resident

2026-02-22 18:36

Street food is still a defining force in the culinary scene of Istanbul

When Cenk Debensason is hungry, he rarely reaches for a Michelin guide for tips. “Whenever I think of food in Istanbul, I think of this,” the chef behind the celebrated Arkestra restaurant tells Monocle as he stands beside a vendor while a fish sizzles on the grill atop a simple cart. Debensason is here by the edge of the Bosphorus forbalik ekmek: mackerel with onions, parsley, sumac and cumin, served in a hunk of fluffy white bread. Alongside thesimit– sesame-crusted rings that are sweetly caramelised outside and pillowy soft within – such simple snacks are the city’s staples. But for all of the tiledlokantasi(workers’ bistros), black-tea sellers and kebab shops, Turkish fare has undergone something of a reinvention of late.Cenk DebensassonDebensason trained in France and, with his wife and business partner, Debora Ipekel, creates simple yet sophisticated spins on modern European and Turkish classics, using ingredients grown and caught around the city. The Michelin guide arrived in Istanbul in 2022 (the inspectors went to the western provinces of Izmir and Bodrum a year later) and Arkestra, based in a discreet modernist villa in the Etiler district, was one of the establishments that earned a coveted star. It marked a major step up in the city’s culinary reputation.The Arkestra kitchenWarm interiors invite guests to lingerMeanwhile at Turk, a sleek establishment with a months-long waiting list in fashionable Bomonti, Fatih Tutak fuses Turkish flavours with techniques that he learned during his 15 years working in some of Asia’s top restaurants. At Neolokal, set in the grand building that housed the Ottoman empire’s central bank, Maksut Askar riffs on the flavours of his home region of Hatay (Turkey’s gastronomic capital, according to some), adding a sustainable slant by using regional produce and providing a vegetarian menu – something that would have been hard to come by just 10 years ago.There’s a fierce wind whipping across the Bosphorus when we arrive at the packed terrace restaurant of the Sakip Sabanci Museum. This landmark building in Istanbul’s affluent northern suburbs has one of the best waterside vantage points in the city and a menu to match. It is the training restaurant for the MSA (the Mutfak Sanatlari Akademisi, or the Culinary Arts Academy), Turkey’s premier school for chefs, meaning that the food here, as affordable as it is, reaches the standards of the city’s most elite institutions.Here we meet Sitare Baras, the managing director of the MSA, and Sabiha Apaydin Gonenli, one of Turkey’s foremost sommeliers. Baras is keen to try the new dishes on the menu, so we order delicate slivers of beef tartare in a tangy sauce;icli kofte, tiny meatballs stuffed inside bulgur dough; hummus; and delicatelahmacun, crispbreads topped with meat and tomato. Dessert is a twist on an Istanbul street-food classic: candied chestnut, reimagined as a creamy mousse topped with feather-light whipped cream. “We didn’t have avant-garde chefs before the 2000s,” says Baras. “Turkish food used to be very local. We transformed the quality of the education in the country. Our graduates work in all of the biggest restaurants and a lot of them who came from Anatolia want to go back to their hometowns and raise the bar there.”MSA students working in the Sakip Sabanci Museum restaurantThe MSA’s premises in Maslak, a bustling business district on the European side of Istanbul, is a mix of nostalgia and cutting-edge efficiency. In the foyer are glass-fronted cabinets stuffed with vintage food tins and wine bottles but the training kitchens are kitted out with stop clocks and viewing windows that allow visitors to watch the trainees in action, replicating the high-octane atmosphere of a working kitchen. Here, Baras hopes that chefs will be able to hone their skills to the millimetre-fine accuracy required in the top kitchens.“We tell the students that it should be a reflex when they are cutting – their mind should be on the next stage,” says Sergin Keyder, one of the trainers, who started as a student at the school eight years ago. “At first I was working with a ruler and stickers on my cutting board. I ate carrot purée for two months.”The MSA’s diploma is internationally recognised and its former students, who number about 30,000, have gone on to work in kitchens worldwide, as well as refilling the city’s culinary talent pool. Turkish cuisine is the school’s bedrock but it also teaches other styles, reflecting the increasing appetite for variety in Istanbul. Birol Can is one of the 2025 cohort. The 27-year-old had already completed a degree in cinema and was living in his home city of Tekirdag when he decided to pursue his childhood dream and sign up at the MSA. He hopes to open a French or Italian restaurant in his hometown once he graduates.Perfect platingGreen shootsTurkish wine is also stepping up after years of obscurity. Apaydin Gonenli is a former chief of front-of-house operations at Mikla, an Istanbul institution where she was responsible for food and wine pairings. In 2019 she organised the first Root, Origin, Soil conference to showcase Turkish viticulture, an event that is now held biannually. “We were always drinking the same six Turkish grape varieties and I wondered why,” says Gonenli. “In Turkey we have about 800 unique varieties and I started promoting them. When I set out, there were 20 indigenous varieties available commercially. Now there are 60.”The bottles are now making their way into high-end restaurants and a few pioneers are popularising wine bars. Chief among them is Foxy in Istanbul’s smart Nisantasi district, a venture by Maksut Askar and wine expert Levon Bagis, where an extensive and ever-changing selection of regional varieties is available by the glass, alongside fresh twists on classic mezze.Above all – and despite the role that Michelin has played in internationalising and glamorising Turkish food – there is still something pleasingly democratic about the restaurant scene here. “Our customers come here for a good time, not to feel overwhelmed,” says Debensason, while explaining why Arkestra offers à la carte rather than the tasting menu often favoured by Michelin inspectors.On the weekday evening that Monocle visits, the atmosphere at the restaurant is fittingly fun and informal. The tables are full but Debensason and Ipekel mingle with guests, explaining new dishes and recommending wine pairings. When Monocle asks where he would head for a taste of the city, Debensason suggests Donerci Engin, an unassuming hole in the wall with plastic furniture in Beyoglu that serves nothing more complicated than a classic doner kebab. Prices might be on the rise but don’t let anyone tell you an international reputation has cost Istanbul’s food scene its authenticity or its originality.Tastes of the cityHere are some of Istanbul’s culinary attractions beyond the white tablecloths and polished dining rooms.Lunch at Ismet Baba in KuzguncukBoiled corn-on-the-cob vendor at Eminonu portOne of the city’s vitamin bars, where fresh juice is squeezed to orderPandeliThis canteen feels like a hidden palace and is the best spot in the city for a quick, inexpensive lunch with views over Eminonu port. Turkish staples have been served here for about a century and the quality has never dipped. Arrive early or reserve to secure the best table.pandeli.com.trA lunchtime plate at PandeliKarakoy historic fish marketYou need to venture to the lesser known side of Karakoy to get to this market. Cross through the underpass that runs under the Galata Bridge and you’ll find it just a few steps beyond. This is where locals come to buy the freshest catch to take home. But you can also ask one of the adjoining restaurants to cook your choice for you or get it served in a sandwich or wrap to eat by the waterside.Catch of the day at the Karakoy fish market‘Simit’ stands, citywideYou’ll findsimiteverywhere but if you want the freshest available, look for the vendors with the highest turnover. You can’t go far wrong at any of the city-centre ports, where thousands of people pass by every hour. One of the most atmospheric is the cart just outside Besiktas port, which has a lovely backdrop of the historic terminal and the Bosphorus beyond.Basta!Founded by two chefs who worked in Michelin-starred restaurants outside Turkey, this no-fuss spot has the best wraps (dürüm) in the city. The menu is tight, with options that you can count on one hand, but the flavour combinations are so well balanced that you’ll keep coming back for more. Try the lamb with harissa and yoghurt. The pavement seats make for prime people-watching spots.bastafood.comKebapci Zeki UstaProprietor Yilmaz Omeroglu uses only the freshest meat for his kebabs and meatballs. There’s no doner here, however. Zeki Usta’s specialities areadanaandurfakebabs, richly spiced and served with pillowy pitta bread. This atmospheric café is in the heart of Kuzguncuk, a quaint neighbourhood of coloured houses and ancient churches on the Asian side.Kuzguncuk, Icadiye Caddesi 31Moda Tea GardenTea is a way of life in Istanbul and you’re never too far away from a seller brewing a fresh batch. Seek out the tea gardens if you want to retreat from Istanbul’s chaos and sip your drink in peace. Our favourite is in the Moda district on the Asian side, on a bluff overlooking the Sea of Marmara.Caferaga, Park Ici Yolu, 34710 KadikoyLocals spend an afternoon at the Moda tea gardenRising to the challengeMuch has been done to improve Istanbul’s drinking-and-dining scene but there remain challenges – not least the Turkish economy, which continues to suffer from sky-high inflation that has pushed the once famously low dining prices up to levels that you might expect in London or Paris. The government is also slapping punitive taxes and restrictions on alcohol producers and retailers, including a wide-ranging ban on advertising, which even precludes wine-tasting events. “We can produce but not promote,” says Sabiha Apaydin Gonenli, wine director of Istanbul’s Mikla and co-founder of Heritage Vines of Turkey. “When I am teaching front-of-house courses, I ask my students how many grape varieties they know. Most still don’t know any Turkish varieties.”Luckily, Gonenli’s work and that of many of the city’s best chefs is helping to create a market for Turkish wine. Several vineyards are now also opening to the public, many of them in pleasingly unexpected places. Monocle recently enjoyed an afternoon at Eskibaglar winery in the mountains of Elazig in eastern Anatolia, where ancient vines have been brought back into commercial use and complemented by a smart on-site restaurant and hotel.

2026-02-22 18:40
Behind the scenes at Salone del Mobile’s unofficial watering hole: Bar Basso
In its decades-long reign as the Salone del Mobile’s unofficial watering hole, Bar Basso has been where the design world gets drunk. Opened in 1933, it has been managed since 1967 by the Stocchetto family, who introduced Milan to cocktail hour. Its owner, Maurizio Stocchetto, can often be found at the bar, cheerfully recounting the area’s history. Bar Basso is a neighbourhood institution but, for a week in April, it also becomes the go-to social hub for an international set of designers. Here’s how this bar on Via Plinio became Milan’s centre of gravity during Design Week.1960s:Bar Basso passed from its founder, Giuseppe Basso, to bartenders Mirko Stocchetto and Renato Hausammann in 1967. Originally from Venice, the duo had cut their teeth behind the bar of Hotel de la Poste in Cortina and were intent on introducing cocktail culture to Milan.1970s:The bar has always adhered to old-school bartending methods: drinks are measured out by eye. While mixing a negroni in the late 1970s, Mirko poured in prosecco instead of gin. Thus the negroni sbagliato (“wrong negroni”) was born. Mirko also designed a supersized goblet for the cocktail, the 33cm-tallbicchierone. It was later licensed for production by Germany’s WMF.1990s:When Jasper Morrison and James Irvine started designing furniture for Cappellini, the two designers often stayed at Irvine’s flat in Milan and drove to and from the factory in Brianza. “On the way there, we would stop for coffee at Bar Basso; on the way back, we’d stop for an aperitivo,” says Morrison. They befriended Mirko’s son Maurizio, who allowed them to organise parties there during Salone. When Bar Basso acquired a late licence, these became open to everyone. A turning point was when the friends started issuing drink tokens as invitations. “They were popular as you could hand them over to the barman without having to queue to pay,” says Morrison.Bar Basso2010s:In partnership withToiletpapermagazine, artist Maurizio Cattelan threw a party at an unglamorous, Chinese-owned bar across the roundabout from Bar Basso, dubbing it Lo Sbagliato. Today it’s known as Caffé degli Artisti but Cattelan’s art works are still above the bar. Bar Basso, meanwhile, received a touch-up in 2016 by Valentina Ciuffi, who had just started her creative agency Studio Vedèt (and now runs Milan Design Week showcase Alcova). “I lived down the street and frequented the bar, and I had the idea that I’d make a website for it,” says Ciuffi. “Maurizio was sceptical of anything digital. It took one, two, maybe three aperitivos for him to agree.” Onbarbasso.com, Studio Vedèt has organised exhibitions dedicated to the venue’s regulars, cocktails, staff and eclectic signage.2020s:The unofficial house bar of the Salone del Mobile has now become a brand in itself, hosting Design Week events. In 2022, Bar Basso teamed up with Berlin-based lifestyle brand Highsnobiety on a line of merchandise and the bar has even had a pop-up in Berlin. Bar Basso itself, however, remains happily frozen in time, with its walnut panelling and chandeliers unchanged since the 1960s. “It makes you reflect on our profession,” says regular Marcel Wanders. “Designers talk about changing everything but, at the end of the day, we want to sit down at a place that hasn’t changed in 80 years.”
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2026-02-21 11:23
Summer travel briefings: New hotels to visit this year
OshomBali, IndonesiaBali is the jewel in Indonesian tourism’s crown but the island’s popularity has come at the cost of the serenity that it’s known for. Look hard, though, and you’ll still find pockets of the blissful solitude that made it a global destination. Oshom is a new hotel that overlooks Nyanyi beach. This waterfront property is in the recently launched Nuanu Creative City, about 90 minutes’ drive from Denpasar Airport. You’ll find all of the amenities that you’d expect from a top health retreat, such as well-appointed rooms and a saltwater pool.oshombali.comVipp GuesthouseTodos Santos, MexicoFamily-owned Danish design brand Vipp, known for its slick homeware, has cut the ribbon on its first North American guesthouse on Mexico’s Pacific coast. Having opened a string of small properties around Europe, Vipp’s hospitality can now be enjoyed in Todos Santos on the Baja California Peninsula. Informed by the area’s natural beauty, the brutalist four-bedroom property is decked out with natural materials in sandy tones. Wedged between the Sierra de la Laguna mountain range and the Pacific Ocean, the views extend over a landscape dotted with cacti on one side and waves on the other.vipp.comArlberg Club HouseLech, Austria“Lech’s a town that values powder over pomp,” says Patrick Krummenacher, who co-owns Hotel Arlberg with his husband, Benjamin Schneider. They have repurposed the old tourism office to create Arlberg Club House. The restaurant’s menu departs from alpine staples, instead serving Mediterranean dishes such as gnocchi with caviar and lobster bisque. A shop offers Austrian Mühlbauer hats and skiwear from Aspen’s Aztech Mountain. You can also find cashmere from Iris von Arnim and Meta Campania’s workwear-inspired collection by Bottega Veneta alumnus Jon Strassburg.arlbergclubhouse.comSolo PalacioAsturias, SpainIf you’re seeking Spanish sun but without the crowds, Asturias should be on your radar. The cooler climate of this mountainous region is a pleasant alternative to the sweltering south. Head to the Las Ubiñas-La Mesa Nature Reserve, where you’ll find the 11-key Solo Palacio hotel in a converted 15th-century palace. Madrileña Sofía Tejerina began restoring the property in 2023, incorporating thewabi sabiphilosophy of embracing imperfections. “Tourists are looking for alternatives to Spain’s sunny beaches,” says Tejerina. “Here guests can find a pleasant microclimate away from Spain’s cities.” Asturian and Japanese touches extend to the restaurant, where you’ll find dishes such as tempura vegetables with soy mayonnaise and noodles with sobresada (Spanish cured sausage).solopalacio.comGundariFolegandros, GreeceGundari sits atop a cliff at the southern end of the Cycladic isle of Folegandros. Echoing the island’s wild, rocky landscape, Gundari’s interiors feature earthy browns and limestone chosen by Australian owner Ricardo Larriera. The 25 suites and two villas are designed by Athens-based architects Block722. All have windows framing ocean views but some include subterranean rooms carved into the cliff where infinity pools and dark-wood joinery enjoy shelter from the summer Meltemi winds. Chef Lefteris Lazarou brings city flair from his Michelin-starred Athens kitchen while one of the capital’s best bars, Line, helps with the cocktails. Best of all, the swarms of tourists are nowhere to be seen – just the Aegean Sea stretching away to Crete.gundari.com
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2026-02-17 18:10
Passing through Nairobi? Make this retreat your new base camp
As well as a thriving capital, Nairobi is a layover city for those on the way to Lamu Island or the plains of Masai Mara. Travellers zipping in and out often find themselves with lengthy layovers: domestic and international flights aren’t always well timed and the two airports – Jomo Kenyatta and Wilson – are a 30-minute drive from each other, making for tense stopovers.To buy time, some travellers book into generic airport hotels. But those in the know opt for The Retreat, a collection of day rooms at Giraffe Manor. The hotel is located in the leafy suburb of Langata and known, as the name suggests, for its wildlife. Here, layovers can be maximised and enjoyed rather than endured.The Retreat was created specifically for those who have a couple of hours to kill between flights. Upstairs, a collection of suites overlooks the gardens. Travellers can take a nap or spend time in the communal areas; swimming in the pool, lounging around the fireplace or eating at the hotel restaurant, Daisy’s. The spa is probably the biggest pre- and post-flight draw, with a sauna, steam room and gym, as well as treatments for tight neck muscles and dry skin.After checking in and freshening up, there are ample ways to maximise a layover and whittle away the hours in Kenya’s capital, a buzzing metropolis worth exploring in its own right. The city’s art scene is booming thanks to the Nairobi Contemporary Art Institute highlighting the work of East African artists. Gallery hopping and long meals at restaurants such as the highly recommended Cultiva are best enjoyed once you’ve scrubbed up post long-haul flight.For those passing through Nairobi, finding the right base camp from which to recharge can set the tone of a trip. Perhaps in-between hotels would work elsewhere too.thesafaricollection.com
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2026-02-25 18:50

Valley Direct Bank review 2025: Savings and CDs with surprisingly high APYs

On a quest to find the most generous high-yield accounts in existence? Your journey has probably steered you toward a financial institution that’s not a household name in the same way as banks like Chase and Capital One are: Valley Direct. With sky-high returns for its high-yield savings account and certificates of deposit, it’s one of the better options out there—and likely offers higher rates than you’ll find at the more established banks.Founded in 1927, with many evolutions and name changes since then, Valley National Bank now operates hundreds of branches around the country and holds over $60 billion in assets. Its digital arm is named Valley Direct, and it specializes in turning your stagnant savings into generous interest earnings.Here’s what you need to know about Valley Direct.Rates are current as of Nov. 20, 2025 and are subject to change.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW3.65 %December 12, 2025$ 0$ 912Over 1 YearSavings AccountMarcus by Goldman SachsMember FDICPromoted OfferBacked by the financial expertise of Goldman Sachs.OPEN ACCOUNTOFFER DETAILSQUICK LOOKMarcus by Goldman Sachs is an online bank that rewards savers with higher-than-average rates and few fees. Plus, its accounts have low or no minimum deposit requirements. But while it’s easy to move your money in and out of your accounts via electronic transfer to another account you own, you won’t be able to deposit or withdraw cash.READ BANK REVIEW12345...69Valley Direct Bank at a glanceValley DirectSavings accountsOpen with as little as $1CD ratesEarn up to 4.20% annual percentage yield (APY)View offerat MoneyLionCompany insightsYear Founded: 1927Company Headquarters: Morristown, NJCEO: Ira RobbinsFortune rankings#838on Fortune’s 2025 Fortune 500 list.N/AProsExcellent APYsNo monthly maintenance feesLow minimum balance requirementsConsComparatively limited banking productsNo debit card accessOnline-only (you can’t open an account at Valley National Bank)Who is Valley Direct Bank good for?Valley Direct doesn’t itself offer any banking options other than savings and CDs. Its parent institution, Valley National Bank, offers checking accounts, credit cards, mortgages, loans, etc. If you’re a current Valley National Bank customer, Valley Direct is probably a great add-on.Alternatively, if you’re happy with your current bank but are simply looking for a lucrative account to store your savings, Valley Direct can be an excellent tool. It could even be useful as a home for your excess savings if you’ve currently got more than $250,000 in deposits with your primary bank. In general, FDIC insurance only covers $250,000 per person per bank (for each ownership category)—so using multiple banks is the smart way to score more protection.Who shouldn’t use Valley Direct Bank?If you aren’t a customer of Valley National Bank, you’ll be limited in what you can do with digital-only Valley Direct. It’s a poor option if you’re searching for a full-service bank with a wide range of account options.Valley Direct Bank rates and productsValley Direct’s list of banking options is sparse—but what it does, it does well. Here’s what you can expect from its high-yield savings account and certificates of deposit.Valley Direct Bank productAPYHigh-yield savings account (HYSA)4.10%CDsUp to 4.00%High-yield savings account (HYSA)APY4.10%CDsAPYUp to 4.00%Bank details checked Nov. 20, 2025.High-yield savings account (HYSA)It’s not terribly often that you find a high-yield savings account that produces a better return than a CD. Valley Direct provides that, offering up to 4.10% APY for new customers with a $1,000 minimum opening deposit.If you already bank with Valley Direct or Valley National Bank, you can still get a respectable 4.10% APY with a minimum opening deposit of just $1.Valley Direct Bank savings account featuresMinimum opening deposit$1 for current customers, $1,000 for new customersMonthly fees$0Top APY4.10%Minimum balance to earn interest$0.01Types of savings accounts availableHigh Yield SavingsBank details checked Nov. 20, 2025.Certificates of deposit (CDs)A CD is kind of like a savings account—but significantly more restrictive. In exchange for depositing money and promising not to touch it for a predetermined amount of time, you can often receive a generous APY. If you touch your money prematurely, you’ll get dinged with fees that can offset a large chunk of your earnings and sometimes even eat into your principal.When opening a 3-month CD, you’ll have to deposit $500 in new money (that is, money not currently held by Valley Direct).Valley Direct Bank CD featuresMinimum opening deposit$500Available term lengths3 and 12 monthsTop APY4.00%Grace period10 calendar days after each renewal datePenalty for early withdrawal– Terms less than 1 year: 90 days interest on the amount withdrawn – Terms of 1 year or more but less than 2.5 years: 180 days interest on the amount withdrawn – Terms of 2.5 years or more but less than 5 years: 365 days interest on the amount withdrawn – Terms of 5 years or more: 540 days interest on the amount withdrawnValley Direct Bank CD ratesTermAPY3-month CD4.00%12-month CD3.50%3-month CDAPY4.00%12-month CDAPY3.50%Bank details checked Nov. 20, 2025.There are other CD terms offered by Valley, but only the above two are under the Valley Direct umbrella as of this writing.SponsoredAdvertiser Disclosure 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 above are current as of the date indicated. 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. Rates are subject to change without notice and may not be the same at all branches.Quontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. 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} #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-m-hide, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-m-hide, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-m-hide { display: none !important; } #sXMeezosuEElsVYH.sh-box600.device-desktop .seeMoreTerms, #sXMeezosuEElsVYH.sh-box650.device-desktop .seeMoreTerms, #sXMeezosuEElsVYH.sh-box700.device-desktop .seeMoreTerms { max-width: 400px; margin-left: auto; margin-right: auto; } #sXMeezosuEElsVYH.sh-box600.device-desktop .logo-image-wrapper, #sXMeezosuEElsVYH.sh-box650.device-desktop .logo-image-wrapper, #sXMeezosuEElsVYH.sh-box700.device-desktop .logo-image-wrapper { max-width: 200px; min-height: unset; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-row-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-row-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-row-container { flex: 0 0 100%; order: 2; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-row-sub-container .sh-title-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-row-sub-container .sh-title-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-row-sub-container .sh-title-container { display: flex; margin-bottom: 15px; } #sXMeezosuEElsVYH.sh-box600.device-desktop #sh-header-container, #sXMeezosuEElsVYH.sh-box650.device-desktop #sh-header-container, #sXMeezosuEElsVYH.sh-box700.device-desktop #sh-header-container { padding: 0 20px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-d-hide, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-d-hide, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-d-hide { display: block !important; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-listing-content-wrapper, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-listing-content-wrapper, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-listing-content-wrapper { display: block; padding: 20px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-promo .sh-promo-text, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-promo .sh-promo-text, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-promo .sh-promo-text { font: normal normal normal 16px/25px Roboto; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-btn__text, #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-btn__text, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-btn__text, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-btn__text, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-btn__text, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-btn__text { width: 100%; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-fdic-insured, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-fdic-insured, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop .product-details-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .product-details-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .product-details-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .product-details-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-title, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-title, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-promo, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-promo, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-promo-offer-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-promo-offer-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-title-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-title-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-title-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-title-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-row2-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-row2-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-fdic-dis-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-fdic-dis-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-cta-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-cta-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-cta-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-cta-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .mobile-bottom-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .mobile-bottom-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #sXMeezosuEElsVYH.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #sXMeezosuEElsVYH.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-title-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-title-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #sXMeezosuEElsVYH.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #sXMeezosuEElsVYH.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #sXMeezosuEElsVYH.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #sXMeezosuEElsVYH.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #sXMeezosuEElsVYH.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #sXMeezosuEElsVYH.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #sXMeezosuEElsVYH.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #sXMeezosuEElsVYH .sh-row-container.sh-apy-value { height: 24px; } #sXMeezosuEElsVYH .sh-title-container { height: 45px; } #sXMeezosuEElsVYH .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #sXMeezosuEElsVYH .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #sXMeezosuEElsVYH .sh-first-product .sh-title-container { height: 72px; } #sXMeezosuEElsVYH .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #sXMeezosuEElsVYH .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #sXMeezosuEElsVYH .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #sXMeezosuEElsVYH .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #sXMeezosuEElsVYH .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #sXMeezosuEElsVYH .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #sXMeezosuEElsVYH .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #sXMeezosuEElsVYH.loadingMessage .sh-loading-msg { display: block; } #sXMeezosuEElsVYH.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #sXMeezosuEElsVYH .sh-loading-msg { font-size: 18px; } } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-container { align-items: center; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #sXMeezosuEElsVYH .sh-row-product-title.sh-bank-name { display: none; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #sXMeezosuEElsVYH.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #sXMeezosuEElsVYH.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #sXMeezosuEElsVYH.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #sXMeezosuEElsVYH.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #sXMeezosuEElsVYH.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #sXMeezosuEElsVYH.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop .sh-first-product .sh-row2-container, #sXMeezosuEElsVYH.sh-box650.device-desktop .sh-first-product .sh-row2-container, #sXMeezosuEElsVYH.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #sXMeezosuEElsVYH .sh-gb-banner.sh-promo { display: none !important; } #sXMeezosuEElsVYH.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #sXMeezosuEElsVYH.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #sXMeezosuEElsVYH.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #sXMeezosuEElsVYH.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #sXMeezosuEElsVYH.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #sXMeezosuEElsVYH.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Other services Valley Direct Bank offersValley Direct offers no other banking services. You’ll need to open an account with Valley National Bank to access basic features like checking accounts, auto loans, wealth management services, etc.The Valley Direct Bank platform and customer supportManaging your account is relatively straightforward through the Valley Direct website or mobile app. But if you run into trouble, you can reach out to Valley Direct via email at hello@valleydirect.com or call them at 866-899-9900between 8 a.m. and 6 p.m. Eastern Time Monday through Friday.Though Valley Direct is 100% online, you can also service your account in-person by visiting a Valley National Bank branch. These exist in Alabama, California, Florida, New Jersey, and New York.Is Valley Direct Bank secure?Valley Direct operates under Valley National Bank, which offers the security one would expect from a legitimate financial institution. It works to thwart cybercrime, fraud, and identity theft. Its mobile app also boasts its data encryption practices, ensuring your data is transferred over a secure connection. Valley Direct is also insured by the FDIC, up to $250,000 per individual.Compare Valley Direct Bank alternativesValley DirectSoFi®Member FDICCapital OneChecking account top APYChecking account top APYChecking account top APYN/A0.50%0.10%Savings account top APYSavings account top APYSavings account top APY4.10%Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.40%Top CD APYTop CD APYTop CD APY4.00%N/A4.05%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat SoFiView offerat MoneyLionBank details checked Nov. 20, 2025.Is Valley Direct Bank right for you?Valley Direct is probably right for you if you have low-maintenance banking needs. Its savings and CD accounts can be a great place to park your money and let it lie dormant for the purpose of earning interest. If you’re looking for more than that, go elsewhere.It’s worth repeating that you’ll find considerably more banking options with Valley National Bank—and you can manage Valley Direct accounts within its ecosystem (for example, you can access Valley Direct accounts within the Valley National Bank app).ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Frequently asked questionsAre there any fees with Valley Direct Bank?You won’t be charged monthly maintenance fees with a Valley Direct HYSA or CD. You also aren’t subject to fees from Valley Direct for transfers to or from your  HYSA (though it’s possible the external institution may charge a fee).You will be charged a fee if you withdraw your deposit from your Valley Direct CD before it matures—between 90 and 540 days worth of interest.Can I link my Valley Direct Bank account to my existing Valley National Bank account?Your Valley Direct Bank account should link to your existing Valley National Bank account, allowing for essentially instant transfers.How do I deposit or withdraw money with Valley Direct Bank?Customers can set up direct deposit to their Valley Direct savings account, deposit checks from a mobile device, and send and receive money via Zelle. There’s also the option to make transfers to or from an external bank account. And, customers can request a check from Valley Direct by sending a secure message on the Valley Direct website or by calling 866-899-9900.Can I access my Valley Direct Bank account at a branch?While you must open your Valley Direct HYSA or CD online, if you stop in at a physical Valley National Bank branch, you can get service in person.Is Valley Direct Bank FDIC-insured?Valley Direct Bank is FDIC-insured up to $250,000 per member.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

2026-02-25 18:08

US firm Vishay Intertechnology confirms £250m investment at UK's biggest semiconductor facility

US tech company Vishay Intertechnology has revealed a £250m investment at its Newport foundry in South Wales making semiconductors that will transform the powering of electric vehicles. It is the latest stage of longer-term plans to inject £1bn and create hundreds of new high-skilled jobs. The funding, subject to due diligence and meeting staged milestones on research and development and capital expenditure, will see the UK Government contributing tens of millions of pounds in support through its Automotive Transformation Fund. The investment will position the foundry to make advanced silicon carbide semiconductors, an integral part of electric vehicle production, at scale. Silicon carbide allow electric cars and wind turbines to convert power more efficiently, while enabling speeds up to 100 times faster than traditional chips. Vishay’s investment will sustain more than 500 jobs at the facility and hundreds more in its supply chain. Vishay’s £1bn investment plans at Newport would see staff numbers climb to 900 by 2030. The jobs are projected to pay 50% more than the region’s average salary rate. The global compound semiconductor market is set to grow from $67bn to $350bn by 2030. Vishay acquired the facility from Nexperia in 2023 in a £150m deal, after the UK Government ordered a divestment due to its ultimate Chinese ownership on national interest and security grounds. On a visit to the UK's biggest seminconductor facility Chancellor Rachel Reeves said: “Under this government the UK is open for business. This is exactly the type of investment that will help us grow the economy, create highly skilled jobs and boost opportunity for people across the country, as we deliver on our Plan for Change to get more money in working people’s pockets”. The amount that Vishay could secure from the Automotive Transformation Fund is not being disclosed, although the US firm has previously confirmed it was seeking £52m. Roy Shoshani, chief technology officer for Vishay, said:“This is an exciting moment, and the start of our plans for growth in the UK. We can see through the development of the Industrial Strategy and the skilled workforce in Newport that there is a real opportunity to play to the UK’s strength in advanced semiconductors, delivering greater economic security and supporting Net Zero.” Last year Vishay confirmed a first phase £52m investment at the plant that included £5m from the Welsh Government. According to research by Oxford Economics, for each semiconductor job almost six additional jobs are created in the wider economy. Vishay is also exploring new opportunities for the site in the fields of defence, aerospace and renewable energy – sectors they already supply from other parts of its global business. Secretary of State for Wales Jo Stevens said:“This massive investment by Vishay and the UK Government is a huge boost for Wales’s world-leading semiconductor industry. “Earlier this month I was at Vishay to see the work they do on advanced manufacturing, renewable energy and defence industries – all key sectors in the Welsh economy. “This investment will build on that success to create and support hundreds of highly skilled and well-paid jobs, driving economic growth in south Wales and beyond and helping us deliver our plan for change.” Mike Hawes chief executive of the, Society of Motor Manufacturers and Traders, Chief Executive, said:“This significant investment in compound semiconductors is a huge contribution to the innovation and advanced technology necessary to drive the future of UK Automotive. British-made next-generation semiconductors will create jobs, support supply chains and enhance the UK’s strategic capabilities.

2026-02-24 11:19

Earn up to 4.20% APY. Here are the best CD rates on Nov. 17, 2025

It’s still a good time to earn a great return on a certificate of deposit, just don’t wait to take action. After declining in 2024 as the Federal Reserve cut rates, average CD yields stabilized in early 2025 thanks to the central bank hitting pause on more rate changes for several months. However, the Fed finally took action with its first rate cut of 2025 after meeting Sept. 16-17, then made a second cut in October.The best CD rates yield up to 4.20% annual percentage yield. If you choose to open an account you could lock in high rates for years, depending on the term that best meets your financial goals. Experts expect the Fed may cut rates again when it meets in December, so don’t wait to invest.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 17, 2025: Earn up to 4.20%The highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the best rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with most of the names mentioned above, there’s a straightforward reason why: CDs typically don’t yield substantial income for major financial institutions by themselves. Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more profitable products like loans and credit cards, rather than CDs. Consequently, the APYs offered on CDs at these banks are often much lower compared to those available at smaller regional banks or online institutions and to get a good rate, you may be required to open other deposit accounts or deposit much higher minimums.CD rates news 2025Investors should understand that average CD rates closely track Fed monetary policy decisions, specifically changes to the fed funds rate. It’s essential for CD investors to follow the ebb and flow of the central bank’s policy decisions to plan for changes in rates.The federal funds rate currently stands at 3.75%-4.00%.Last year, the Fed cut interest rates three times, leaving fed funds at 4.25%-4.50% as of December 2024. High inflation left over from the post-pandemic period was cooling off, and the FOMC reduced rates to help the economy stay on track. CD APYs fell from two-decade highs as the Fed cut rates.With the Fed making its first cut of 2025 at the Sept. 16-17 meeting and a second at the Oct. 28-29 meeting, CD rates have again shown signs of dipping. It’s possible they could decrease further if the central bank moves forward with a third cut when it meets in December. The next FOMC meeting is on the calendar for Dec. 9-10.Those 20-year highs in CD yields were the result of the central bank’s rate hike campaign of 2022 and 2023. Inflation was rising at its highest rate since the early 1980s, thanks to the economic disruptions of the pandemic. Between March 2022 and July 2023, the FOMC raised interest rates 11 times, from zero to 5.25%-5.50%, to help tame inflation.Just remember, CD rates on November 17, 2025 aren’t far from their recent highs. You still have the opportunity to secure advantageous rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD, you can earn substantial interest.Historical CD ratesIn the early 1980s, CD rates hit double digits thanks to surging inflation and high interest rates. But by 2019, the APY for a 5-year CD hovered slightly above 3.00%. Until the early 2020s, top rates generally remained below 1.00% APY. In recent times, we experienced a period of increasing rates, with the best offerings exceeding 5.00% APY for 1-year CDs.How to get a good CD rateDetermining what a good CD rate looks like is subjective. It depends on how much money you have to invest, how long you can leave it locked up in a certificate, and what prevailing market rates are when you intend to open an account.For instance, a 5.00% APY CD over five years might not be the right choice if you need liquidity sooner or if rates rise, leaving you with a lower return. Generally, rates above the national average are advantageous. Compare rates across banks for your desired term to find the best option.Key factors to evaluate when comparing CDs include minimum balance requirements, available terms, offered interest rates (typically higher at online banks), penalties for early withdrawals, and any associated fees. Opting for a bank rather than a broker might help avoid unnecessary fees.Consider these factors:Term length:Ensure they match your savings goals.APY:Higher rates are available for longer CD terms.Minimum deposit:Ensure you can meet minimum deposit requirements.Penalties:Understand early withdrawal costs, in case you need to withdraw money before a CD matures.Deposit insurance:Always verify that your bank or credit union of choice has Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) coverage.Look into offerings from online banksOnline banks and fintechs typically offer better rates than national banks. Large financial institutions primarily generate revenue through interest earned on loans, fees, and investments in securities. In contrast, smaller banks and online fintech companies actively attract new customers by offering competitive APYs on deposit accounts. Moreover, online banks typically have lower overhead costs, allowing them to pass on better rates to their clientele.Set up a CD ladderCD ladders suit savers hesitant to lock funds for long terms. Splitting savings across CDs with varying maturities offers a blend of short-term access and higher long-term rates. For example, if you begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year), then as each matures you reinvest the money in a 3-year CD. With this plan, you get access to your money (plus the interest you’ve earned) every year. #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; 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font-weight: 600; } }Types of certificates of depositVarious CD types cater to different needs, such as:Brokered CDsare bought and sold via brokerage accounts rather than banks or credit unions. They are typically issued by banks and sold to brokerages, which offer them to customers at higher APYs compared to conventional CDs.Callable CDsinclude a call feature allowing the issuing financial institution to end the CD before its maturity. Upon such a call, investors retain their principal along with any accrued interest up to that point.Bump-up CDsallow you to request a higher APY if interest rates increase after you’ve opened your account. Generally, you can adjust the rate on your CD once or twice during its term.No-penalty CDsdo not impose penalties for withdrawing funds before maturity. They are less prevalent than other CD varieties and may also feature lower APYs compared to traditional CDs.Jumbo CDsusually require a minimum initial deposit of at least $100,000 but generally provide higher APYs than standard CDs.Variable-rate CDs offerchanging APYs that are indexed to prevailing interest rates. They carry higher risk compared to traditional CDs because a decrease in interest rates before maturity can lead to a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

2026-02-24 11:07

Wells Fargo CD rates 2025: How to qualify for the best returns

It’s not uncommon for the best certificates of deposit (CDs) nowadays to breach 3.50% APY. These colossal rates most often come from online banks that have little operating costs—so it’s nice to find a full-service bank that offers generous rates too.Wells Fargo offers everything from credit cards to high-yield savings accounts. It’s also got a fistful of CD options that go toe-to-toe with just about anyone.Here’s what you need to know about Wells Fargo CD rates and which to consider opening for the biggest return.All rates and fees are current as of Nov. 10, 2025, and are subject to change.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Wells Fargo Bank CD rates and productsWells Fargo offers a variety of CDs, from standard CDs with myriad term lengths to specialty CDs with promotional, limited-time rates. You can get the absolute best APY if you have either a Prime Checking, Premier Checking, or Private Bank Interest Checking account.Just note that rates may vary slightly depending on your region.Standard CDsAvailable online are three-, six-, and 12-month CD terms, although more terms are available if you stop into a branch. You’ll need at least $2,500 on hand to deposit to open a standard CD.Wells Fargo Bank standard CD featuresMinimum opening deposit$2,500Early withdrawal penalty– Terms less than three months (or 90 days): 1 month’s interest– Terms of 90-365 days: 3 months’ interest– Terms of 12-24 months: 6 months’ interest- Terms over 24 months: 12 months’ interestPartial withdrawals permittedYes (for a fee)Additional deposits permittedNoAutomatic renewalInto new fixed CD of same term lengthRenewal grace period10 daysWells Fargo Bank standard CD ratesTerm lengthAPYRelationship APY3 months1.01%1.02%6 months1.01%1.02%12 months1.50%1.51%3 monthsAPY1.01%Relationship APY1.02%6 monthsAPY1.01%Relationship APY1.02%12 monthsAPY1.50%Relationship APY1.51%Bank details checked Nov. 10, 2025Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.CD specialsWells Fargo offers three term lengths for its CD specials: 4, 7, and 11 months. The minimum opening deposit is $5,000 for these improved rates—significantly higher than what you’d need to deposit in a standard CD.Wells Fargo Bank special CD featuresMinimum opening deposit$5,000Early withdrawal penalty– Terms less than three months (or 90 days): 1 month’s interest- Terms of 90-365 days: 3 months’ interest- Terms of 12-24 months: 6 months’ interest- Terms over 24 months: 12 months’ interestPartial withdrawals permittedYes (for a fee)Additional deposits permittedNoAutomatic renewalInto new CD with a term between 3 and 6 monthsRenewal grace period10 daysWells Fargo Bank CD specialsTerm lengthAPYRelationship APY4 months3.74%4.00%7 months3.64%3.90%11 months3.50%3.76%4 monthsAPY3.74%Relationship APY4.00%7 monthsAPY3.64%Relationship APY3.90%11 monthsAPY3.50%Relationship APY3.76%Bank details checked Nov. 10, 2025Individual retirement account (IRA) CDsIRA CDs come with the same standard and relationship APY as regular CD rates. You can choose CD special terms from 4, 7, and 11 months, or you can opt for standard rates in monthly increments from 1-144. To open a CD special, you’ll need to deposit a minimum of $2,500. Standard CDs require just $1,000.Note that you’re subject to an early withdrawal penalty when touching your money before it matures, but you may also receive a 10% penalty from the IRS if withdrawing funds before you turn 59½. Read our explainer to fully understand just what is an IRA CD.Wells Fargo Bank IRA CD featuresMinimum opening deposit– $1,000 for standard fixed rate CDs– $2,500 for special rate CDsEarly withdrawal penalty– Terms less than three months (or 90 days): 1 month’s interest– Terms of 90-365 days: 3 months’ interest– Terms of 12-24 months: 6 months’ interest– Terms over 24 months: 12 months’ interestPartial withdrawals permittedYes (for a fee)Additional deposits permittedNoAutomatic renewal– Standard IRA CDs will renew to the same term length– Special IRA CDs will renew with a term between 3 and 6 monthsRenewal grace period10 daysWells Fargo Bank IRA special rate CDsTerm lengthAPYRelationship APY4 months3.74%4.00%7 months3.64%3.90%11 months3.50%3.76%4 monthsAPY3.74%Relationship APY4.00%7 monthsAPY3.64%Relationship APY3.90%11 monthsAPY3.50%Relationship APY3.76%Bank details checked Nov. 10, 2025Wells Fargo Bank IRA CDsTerm lengthAPYRelationship APY1-2 months0.01%0.02%3-5 months1.01%1.02%6-11 months1.01%1.02%12-23 months1.50%1.51%24-35 months1.75% (2.25% for deposits of $100K+)1.76% (2.27% for deposits of $100K+)36-47 months1.01% (1.50% for deposits of $100K+)1.02% (1.51% for deposits of $100K+)48-59 months1.01% (1.50% for deposits of $100K+)1.02% (1.51% for deposits of $100K+)60-71 months1.01% (1.50% for deposits of $100K+)1.02% (1.51% for deposits of $100K+)72-144 months1.01% (1.50% for deposits of $100K+)1.02% (1.51% for deposits of $100K+)1-2 monthsAPY0.01%Relationship APY0.02%3-5 monthsAPY1.01%Relationship APY1.02%6-11 monthsAPY1.01%Relationship APY1.02%12-23 monthsAPY1.50%Relationship APY1.51%24-35 monthsAPY1.75% (2.25% for deposits of $100K+)Relationship APY1.76% (2.27% for deposits of $100K+)36-47 monthsAPY1.01% (1.50% for deposits of $100K+)Relationship APY1.02% (1.51% for deposits of $100K+)48-59 monthsAPY1.01% (1.50% for deposits of $100K+)Relationship APY1.02% (1.51% for deposits of $100K+)60-71 monthsAPY1.01% (1.50% for deposits of $100K+)Relationship APY1.02% (1.51% for deposits of $100K+)72-144 monthsAPY1.01% (1.50% for deposits of $100K+)Relationship APY1.02% (1.51% for deposits of $100K+)Bank details checked Nov. 10, 2025SponsoredAdvertiser Disclosure 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 above are current as of the date indicated. 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. Rates are subject to change without notice and may not be the same at all branches.Quontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. 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} #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .product-details-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .product-details-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .product-details-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .product-details-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-title, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-title, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-promo, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-promo, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-promo-offer-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-promo-offer-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-fdic-dis-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-fdic-dis-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .mobile-bottom-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .mobile-bottom-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-title-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #lhrKjzVJWCwwwodV.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #lhrKjzVJWCwwwodV.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #lhrKjzVJWCwwwodV.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #lhrKjzVJWCwwwodV.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #lhrKjzVJWCwwwodV .sh-row-container.sh-apy-value { height: 24px; } #lhrKjzVJWCwwwodV .sh-title-container { height: 45px; } #lhrKjzVJWCwwwodV .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #lhrKjzVJWCwwwodV .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #lhrKjzVJWCwwwodV .sh-first-product .sh-title-container { height: 72px; } #lhrKjzVJWCwwwodV .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #lhrKjzVJWCwwwodV .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #lhrKjzVJWCwwwodV .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #lhrKjzVJWCwwwodV .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #lhrKjzVJWCwwwodV .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #lhrKjzVJWCwwwodV .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #lhrKjzVJWCwwwodV .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #lhrKjzVJWCwwwodV.loadingMessage .sh-loading-msg { display: block; } #lhrKjzVJWCwwwodV.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #lhrKjzVJWCwwwodV .sh-loading-msg { font-size: 18px; } } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-container { align-items: center; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #lhrKjzVJWCwwwodV .sh-row-product-title.sh-bank-name { display: none; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #lhrKjzVJWCwwwodV.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box650.device-desktop .sh-first-product .sh-row2-container, #lhrKjzVJWCwwwodV.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #lhrKjzVJWCwwwodV .sh-gb-banner.sh-promo { display: none !important; } #lhrKjzVJWCwwwodV.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #lhrKjzVJWCwwwodV.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #lhrKjzVJWCwwwodV.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #lhrKjzVJWCwwwodV.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #lhrKjzVJWCwwwodV.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #lhrKjzVJWCwwwodV.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Business CDsWells Fargo Business CDs can be a good fit for business owners who want to put their cash reserves to work. Similar to other CD options, you’ll choose between special fixed rate CDs with impressive returns (4-, 7-, and 11-month terms) and standard fixed-rate CDs (from 1-144 months). CD specials require a minimum deposit of $5,000, while standard rates require $2,500.However, unlike with its personal CDs, Wells Fargo doesn’t advertise any increased relationship APY for its Business CDs. Wells Fargo Bank Business CD featuresMinimum opening deposit– $2,500 for standard fixed rate CDs- $5,000 for special rate CDsEarly withdrawal penalty (less than 90 days)– Terms less than three months (or 90 days): 1 month’s interest– Terms of 90-365 days: 3 months’ interest– Terms of 12-24 months: 6 months’ interest– Terms over 24 months: 12 months’ interestPartial withdrawals permittedYes (for a fee)Additional deposits permittedNoAutomatic renewal– Standard Business CDs will renew to the same term length– Special Business CDs will renew with a term between 3 and 6 monthsRenewal grace period10 daysWells Fargo Bank Business special rate CDsTerm lengthAPY4 months4.00%7 months3.64%11 months3.50%4 monthsAPY4.00%7 monthsAPY3.64%11 monthsAPY3.50%Bank details checked Nov. 10, 2025Wells Fargo Bank Business fixed rate CDsTerm lengthAPY1-2 months0.01%3-5 months1.01%6-11 months1.01%12-23 months1.50%24-35 months1.75% (2.25% for deposits of $100K+)36-47 months1.01% (1.50% for deposits of $100K+)48-59 months1.01% (1.50% for deposits of $100K+)60-71 months1.01% (1.50% for deposits of $100K+)72-144 months1.01% (1.50% for deposits of $100K+)1-2 monthsAPY0.01%3-5 monthsAPY1.01%6-11 monthsAPY1.01%12-23 monthsAPY1.50%24-35 monthsAPY1.75% (2.25% for deposits of $100K+)36-47 monthsAPY1.01% (1.50% for deposits of $100K+)48-59 monthsAPY1.01% (1.50% for deposits of $100K+)60-71 monthsAPY1.01% (1.50% for deposits of $100K+)72-144 monthsAPY1.01% (1.50% for deposits of $100K+)Bank details checked Nov. 10, 2025Compare Wells Fargo Bank to top competitorsEven without a Wells Fargo relationship, its CD rates are respectable. Here’s how Wells Fargo stacks up against its competition.Wells Fargo APY (non-relationship)DiscoverNorthern Bank Direct3 months3 months3 months1.01%2.00%N/A4 months4 months4 months3.74%N/AN/A6 months6 months6 months1.01%3.50%4.00%7 months7 months7 months3.64%N/AN/A9 months9 months9 monthsN/A3.50%3.75%11 months11 months11 months3.50%N/AN/A12 months12 months12 months1.50%4.05%3.25%View offerat Wells FargoView offerat DiscoverView offerat Northern Bank DirectBank details checked Nov. 10, 2025Learn more about Wells Fargo BankWells Fargo is the fourth largest bank in the U.S. as of this writing, with $1.76 trillion in consolidated assets, according to numbers released by the Federal Reserve. As a leading financial institution, Wells Fargo certificate of deposit (CD) rates are competitive and offer a way for depositors to earn a secure return on their investments—even if they’re not the best we’ve ever seen.Its savings accounts can also deliver notably high APY. In terms of CDs vs. high-yield savings accounts, CDs will typically offer a superior return rate. But depending on your account balance, you could earn a more generous than some CD terms offer.Another consideration when trying to decide between a Wells Fargo CD vs. a savings account is the access you’ll have to your money. CDs typically penalize you for withdrawing your money before maturity—while savings accounts allow you to more freely manage your money, often with a limit of six withdrawals per month.In addition to CDs, Wells Fargo offers a wide variety of other banking products, including credit cards, checking, mortgages, personal loans, and investments.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Google axes jobs as it looks to save money across Android, Pixel and Chrome teams

By - 2026-02-28 11:37

Google has confirmed the dismissal of staff from within its platforms and devices division, responsible for products like Android, Pixel hardware, and the Chrome browser – signalling a continuous drive to streamline the business and cut costs. The cuts were first made public last Friday by The Information, following a January move by the company that provided employees with an option for voluntary departure, as reported by City AM. In a statement, a Google spokesperson acknowledged the layoffs as part of the tech behemoth's ongoing restructuring, which began after last year's merger of the Android software and hardware teams to enhance operational efficiency. "Since combining the platforms and devices teams last year we've focused on being more nimble and operating more effectively," they commented. This news surfaces amid escalating uncertainty in the technology sector, compounded by new US tariffs on Chinese goods predicted to strain supply chains and push up production costs for gadget manufacturers. With many of its Pixel devices assembled in Asia, Google is facing increasing challenges to overhaul its production strategies in response to these changes. These cutbacks align with parent corporation Alphabet's broader strategy to reduce expenditures. In 2023, it made significant job cuts, terminating around six percent of its global workforce, owing to economic challenges and a refocused approach on essential business areas. More recently, in February, Google disclosed additional specific reductions within its cloud operation, although this impacted just a limited number of teams. Google is among many other leading tech firms currently bracing for a tighter economic environment.

Sheffield sensor start up Phlux Technology seals £9m investment deal

By - 2026-02-27 18:24

Yorkshire connectivity specialist Phlux Technology is poised to create jobs and boost production capacity after sealing a £9m fundraise. The infrared sensor startup, founded in 2020 as a spin-out from the University of Sheffield, has secured the significant sum in a Series A funding round led by BGF, and existing investors Octopus Ventures, Northern Gritstone and Foresight. Phlux Technology’s work is focused on the next generation of fibre broadband connectivity, and the funding will drive its expansion into the optical communications and sensing markets, based on its antimonide-based semiconductor technology. The company’s infrared sensors are more sensitive than current alternatives while requiring less power, enabling faster, more efficient connectivity for applications like fibre-optic broadband, as well as advanced sensing for vehicles and industrial applications. The technology has the ability to boost data transmission speeds by up to five times, with data rates as high as 50 gigabits per second. Phlux has already built a global supply chain and serves customers across Asia, Europe, and North America and it now plans to scale its team, increase production capacity, and strengthen commercial partnerships to meet growing international demand. Ben White, CEO of Phlux, said: “This funding comes at a pivotal moment as demand for high-speed optical communication systems is growing enormously. By developing world-class, high-performance infrared sensors, we are enabling industries to push the boundaries of connectivity, sensitivity and efficiency by removing a technology bottleneck that has persisted for over 20 years.” Luke Rajah, partner at BGF, said: “Phlux has developed a game-changing technology in a sector that’s long overdue for disruption. With strong academic roots, early commercial traction, and a compelling roadmap, the team is well-positioned to lead in infrared sensing. Backed by BGF’s deep tech investment experience, we’re excited to support Phlux in scaling globally across the sensing and telecommunications markets.” Owen Metters, investor at Octopus Ventures, said: “When we first invested in Phlux, we were impressed with both the team’s expertise in developing novel semiconductor materials, and their ambition to revolutionise infrared sensing. We’ve been delighted with their progress to date and are excited to see this funding deployed to grow the team and bring two exciting new product ranges to market.”

Nvidia loses $273bn in market value as Trump tariffs bite

By - 2026-02-27 11:43

Nvidia's shares took a significant hit on Thursday, with an almost eight per cent drop wiping $273bn off its market value. This was triggered by the introduction of steep new tariffs and concerns over potential new export restrictions unsettling the markets, as reported by City AM. The leading chip manufacturer saw its stock close down 7.8 per cent following US President Donald Trump's announcement of comprehensive import duties. Since peaking in January, Nvidia's stock has now plummeted 32 per cent, reducing its market cap to $2.48 trillion from $3.66 trillion. The tariff package includes a standard 10 per cent duty on all imports, along with targeted tariffs of 34 per cent on Chinese goods, 46 per cent on Vietnamese products, and 26 per cent on imports from India. Although semiconductors are currently exempt, investors remain cautious due to the possibility of retaliatory measures and wider supply chain implications. Mary Ann Bartels, Chief Investment Strategist at Sanctuary Wealth, commented: "This was the worst-case scenario for tariffs, and it wasn't priced into the markets". She added: "If the S&P 500 can't hold the 5,500 level, we may be looking at another 5-10 per cent downside." Over half of Nvidia's revenue is generated overseas, and the tech giant's supply chain is heavily linked with Asia-Pacific manufacturing. Specifically, its most advanced chips are manufactured by the Taiwan Semiconductor Manufacturing Company (TSMC). Adding to the pressure, the US is considering imposing new restrictions on Nvidia exports to China – particularly its H20 chip. This model is a lower performance variant, specifically created to align with former export controls. While discussions are still in their initial phase, a potential prohibition of the H20 could severely impact Nvidia's revenue from China, which currently represents about 20% of their overall sales. Bernstein's senior analyst Stacey Rasgon commented on the possibility, arguing that such a decision would be illogical and counterproductive, as it would essentially surrender the burgeoning AI chip market in China to competitors like Huawei. News regarding tariffs sent shockwaves through financial markets. Consequently, the Nasdaq plummeted by 6%, the S&P 500 declined by 4.8%, and the Dow Jones Industrial Average saw a decrease of roughly 4%. It marked the grimmest day on the markets since the initial stages of the Covid-19 outbreak. Market sentiment was further dampened by analysts forecasting an incoming earnings downturn with companies grappling with rising costs and diminishing profits. "Margin expectations for 2025 still look far too optimistic," expressed Charles Swab's chief investment strategist Liz Ann Sonders.

TSG acquires Computer Geeks to expand South West presence

By - 2026-02-26 18:38

Tyneside IT firm Technology Services Group (TSG) has acquired Bristol-based Computer Geeks in its second deal of the last six months. The Gateshead-based Microsoft Partner, which provides computing and AI services, said the move boosts its managed services platform, cyber security offer, and will boost its presence further in the South West. Computer Geeks' staff will now join the TSG team. The business was set up in 2008 and is said to be a well-establish managed service provider with a focus on the Microsoft ecosystem within the cloud, workplace and security. TSG already has clients and employees in the South West, the acquisition now provides a hub in addition to offices in Glasgow, Newcastle, London, and Aylesbury. Rory McKeand, CEO of TSG, said: "We are thrilled to have Computer Geeks join TSG. During our due diligence, we found that the brilliant teams are considered trusted advisors by their clients. Like us, they have a world class net promoter score, and our values align with helping ambitious businesses. "Computer Geeks is a high-quality modern Microsoft cloud and modern workplace provider that is secure by design. The company became one of a handful of IT companies in its region to achieve National Cyber Security Centre Assured Service Provider status, the endorsement is a testament to Computer Geeks’ passion and expertise in cyber security protection. "We are excited to welcome Nick Richards, the managing director, and Rob Eeuwens, the technical director of Computer Geeks to TSG. They are both ambitious guys and are a fantastic addition with their wealth of experience and industry knowledge. With similar culture and values, merging with Computer Geeks feels like a natural move.” Nick Richards, managing director of Computer Geeks, added: "We've found an excellent new home for the business and have been really impressed with TSG in all of our dealings so far. We can see clear similarities with our already existing solutions, as well as a portfolio of new services that might benefit our clients. "TSG and Computer Geeks share the same values, employ like-minded individuals and are focused on client satisfaction. TSG adds a Microsoft Dynamics practice to the mix, and other benefits like the TSG Academy, which will be seriously helpful for all who check it out. As part of TSG, I am looking forward to ensuring a smooth transition and integration - our clients can be reassured that I will be working tirelessly to ensure this goes well."

US firm Vishay Intertechnology confirms £250m investment at UK's biggest semiconductor facility

By - 2026-02-25 18:08

Healthtech firm SiSU Health aims for European and Manchester growth with £1.25m investment from Praetura Ventures

By - 2026-02-23 18:12

A healthcare firm that aims to help reduce inequalities by helping people detect and treat health conditions early has won a £1.25m investment to grow across the UK and Europe. SiSU Health has secured the support from Praetura Ventures to grow its team and expand the reach of its digital health services. The company, led by CEO Samantha Fay, has its operations and logistics business in Manchester. It also plans to use the funding to grow its presence in the city, expanding the manufacturing of its SiSU Health Stations, and is working with the Department for Business and Trade to find a larger home. SiSU Health aims to help people detect risk factors, such as high blood pressure and obesity, so they can make lifestyle changes. The company’s work also generates anonymised population health data that can be used to inform public health strategies. The company already has clients including Aldi, Jaguar Land Rover, The AA, Workday and a range of councils and NHS trusts, with 20,000 people using its services each month. It wants to grow to have a network of more than 600 health stations by the end of 2026. SiSU Health has secured the investment from the GMC Life Sciences Fund By Praetura, which brings together Bruntwood SciTech, Greater Manchester Combined Authority and Enterprise Cheshire and Warrington. Investment has also come from NPIF II – Praetura Equity Finance, managed by Praetura as part of the Northern Powerhouse Investment Fund II. This is the fourth deal on which the funds have co-invested in the past year. The company has created the SiSU Health Station, where people can do a self-service digital health check in five minutes that can offer personalised health insights and calculate the risk of chronic conditions such as heart disease and diabetes. Users can then access a companion platform to help them understand their results and find treatment. SiSU’s platform can be integrated with existing healthcare systems. The company says it particularly wants to offer its services in areas of deprivation, or those where access to healthcare services is more limited, so it can “tackle barriers to access for underserved communities”. SiSU Health says it has delivered more than a million health checks to date. It has found that over 70% of platform users have not had a recent blood pressure check, even though high blood pressure is a leading risk factor for cardiovascular disease that can be successfully treated. It has worked on the Department of Health and Social Care-funded CVD (cardiovascular disease) Workforce Health Check Program and itself plans to launch a new public health proposition this year. Samantha Fay, CEO at SiSU Health, said: “We’re building a future where everyone has the tools and confidence to take control of their health — wherever they are. This funding allows us to scale our digital platform, extend our reach into new communities, and strengthen our collaborations and integrations across employer, public health and primary care. Prevention has to be proactive, accessible and data-informed — and that’s exactly what SiSU Health delivers.” Sim Singh-Landa, head of the GMC Life Sciences Fund By Praetura, said: “SiSU Health is bringing health into the modern age by helping individuals to take a health test at a time that’s convenient to them without judgement and the costs that can be associated with health checks. They are critically providing connected collaboration between the corporate world and public health systems, encouraging self-care and health awareness for individuals with supported follow-up and interventions, which has significant benefits for the NHS and public health. “This latest co-investment between the GMC Life Sciences Fund By Praetura and NPIF II also shows the power of two well-established regional funders working together to help propel great companies in the region.” Dr Kath Mackay, chief scientific officer for Bruntwood SciTech, said: “The GMC Life Sciences Fund By Praetura was set up to grow the region’s life sciences footprint to new levels of widespread recognition and give support to innovative businesses like SiSU Health who are tackling challenges like public health and the need to reach underrepresented demographics. We’re looking forward to seeing what the future holds for the SiSU Health team, as they scale the business’s manufacturing and logistics output from right here in the North West.” Sue Barnard, senior investment manager at British Business Bank, said: “A key aim of the Northern Powerhouse Investment Fund II is to invest in businesses that are paving the way in innovation and creating valuable solutions for the people it serves. It’s clear that the UK needs new solutions for healthcare issues and now, with the help of NPIF II funding, another great Northern business has secured the financial support it needs to help make this possible.”

UK technology secretary asks AI ChatGPT about businesses and podcasts

By - 2026-02-23 18:04

Peter Kyle, the UK's technology secretary, has been utilising ChatGPT, an OpenAI chatbot tool, to ask questions about UK businesses, artificial intelligence (AI), and even podcast recommendations, according to a Freedom of Information (FoI) request submitted by New Scientist magazine. The magazine revealed that Kyle, who heads the Department of Science, Innovation and Technology (DSIT), has regularly used the chatbot in his professional capacity, as reported by City AM. Questions posed by Kyle included why UK small businesses are slow to adopt AI, which podcasts he should appear on to reach a broad audience, and definitions of terms such as antimatter, quantum, and digital inclusion. One data expert suggested to the magazine that DSIT's disclosure could set a "precedent" across government, expressing surprise at the release of the information. Initially, the department declined the FoI request, stating that Kyle's ChatGPT history contained personal prompts and responses. However, the magazine resubmitted the query, requesting only the prompts and responses made in an official capacity. This revelation comes as Prime Minister Sir Keir Starmer delivered a speech on civil service reform, announcing plans to abolish NHS England and emphasising the potential for wider use of AI within government as a "golden opportunity". Sir Keir Starmer has highlighted the potential for digital reform within government, suggesting it could lead to significant savings: "If we push forward with digital reform of government – and we are going to do that – we can make massive savings, £45bn savings in efficiency." The Prime Minister has also advocated for a new approach to government work, stating: "No person's substantive time should be spent on a task where digital or AI can do it better, quicker and to the same high quality and standard." Peter Kyle, meanwhile, has praised the capabilities of technology, sharing with PoliticsHome his use of ChatGPT: "I used ChatGPT to try and understand the broader context where an innovation came from, the people who developed it, the organisations behind them." He further commented on the utility of AI as a learning tool: "ChatGPT is fantastically good, and where there are things that you really struggle to understand in depth, ChatGPT can be a very good tutor for it." In a previous statement to The Times, the minister expressed his views on AI's educational benefits: "AI can tutor you. So for example, I can go into a chatbot and say 'What is quantum mechanics and what are its applications?', and it can come up with a description, it will tutor you." A Freedom of Information (FoI) response shared with New Scientist revealed ChatGPT's insights on why small and medium-sized businesses may be hesitant to adopt AI, listing factors such as "Limited Awareness and Understanding", "Regulatory and Ethical Concerns" and "Lack of Government or Institutional Support". ChatGPT highlighted the challenges faced by small and medium-sized enterprises (SMEs) in adopting new technologies: "While the UK government has launched initiatives to encourage AI adoption, many SMBs are unaware of these programs or find them difficult to navigate." The AI also noted that "Compliance with data protection laws, such as GDPR [a data privacy law], can be a significant hurdle. SMBs may worry about legal and ethical issues associated with using AI." When queried about suitable podcasts for the Secretary of State for Science, Innovation and Technology to appear on, to engage a broader audience relevant to his ministerial duties, ChatGPT recommended The Infinite Monkey Cage and The Naked Scientists, citing their listener numbers. A government spokesperson offered insight into the minister's practices: "As the Cabinet Minister responsible for AI, the secretary of state does make use of this technology. ". The statement continued, emphasizing the consultative approach taken: "This does not substitute comprehensive advice he routinely receives from officials."

Losses narrow at tech firm Cirata in move from 'rescue to recovery'

By - 2026-02-21 18:50

Revenues have risen and losses have narrowed at Yorkshire tech firm Cirata following a transformational year which saw it move “from rescue to recovery”, its CEO has declared. Stephen Kelly, who was brought in to rescue the Sheffield business in 202,3 said the jouney with Cirata has “often been gruelling, with many unplanned and negative surprises” and has “not been for the faint hearted”, but he said that the 2024 financial year finally saw the legacy issues subside, allowing management to concentrate on growth strategies. In figures released to shareholders, the company – which also has offices in Newcastle, Belfast, California, China and Japan – said it delivered total bookings of $7.1m, broadly flat on the prior year’s $7.2m, but the firm said the bookings had improving quality and a shift to Data Integration (DI), which management expects to lead to growth in future bookings. Highlights included 13 new contract signings in the final quarter, with six focused on DI. Revenues for 2024 rose from $6.7m to $7.7m, while the previous year’s Ebitda loss of $24.2m was narrowed to $13.5m. Operating losses narrowed from $32.4m to $15m. The year also saw improved engagement with both customers and partners, with major wins in the period included a $2m Live Data Migrator (LDM) contract with a top three US bank for a one-year term, the biggest deal of its kind to date. Looking ahead, the firm said it expects improvements in the levels of sales activity and execution, both directly and through its partners, and expects the acquisition of new customers to be an “improving source of future growth” as it moves through the current financial year. The business added that its goal to achieve cash flow breakeven remains unchanged, supported by ongoing improvements. Mr Kelly said: “2024 was a transitional year for Cirata as we moved from ‘rescue’ to ‘recovery’, stabilizing the business to prepare for growth. We have reduced our cost base by roughly two-thirds since the peak in early FY23. Our efforts in restructuring the organisation, strengthening governance and enhancing cultural accountability have delivered tangible results, including the largest LDM Original Equipment Manufacturer implementation in our history with our partner IBM. “While challenges remain and stronger execution is required, the focus for FY25 is clearly on growth and a pivotal year for establishing Cirata as a consistent growth company. The foundations we have put in place and the progress we have made, affirm Cirata’s potential as a leader in enterprise data solutions. “As I chronicled last year, FY23 was a rescue year for a broken company. FY24 was a year of building foundations, regaining trust and confronting the legacy challenges that hampered Cirata’s potential. Rescuing and building a company back from FY23 from the ground up has been a demanding journey for the management team. We understand the sentiment of demoralised colleagues, customers, partners and investors who understandably felt extremely let down, given the $250m capital raised since the Company’s IPO. “As we move into FY25, I am pleased to report that last year’s extensive restructuring, cultural renewal and operational focus are beginning to bear fruit. While we are only part way through our journey, we are no longer defined by past struggles but are shaped by future opportunities. Our focus for FY25 will be on transitioning to a more predictable growth phase, scaling operations, striving for continued high growth in Data Integration, achieving cash flow break-even and avoiding seeking further working capital. “We believe Cirata’s technology occupies a unique position in the market, enabling enterprises to harness the power of data for transformative insights, analytics and Gen AI applications. As AI adoption accelerates and the need for seamless data integration grows, Cirata’s platform is more relevant than ever. “Cirata has not been for the faint-hearted. As a British tech battler on the global stage, especially aspiring to be strong in the US market, the Company has to punch above its weight. Building a growth company from the wreckage of a broken company has been challenging and has tested us all. “The path ahead will not be linear, but it is clear. We are energized, focused, and committed to making FY25 the year Cirata continues to turn a corner and stake its position as a leader in data innovation.”

UK government explores tech tax changes to avert US tariffs, Reeves confirms

By - 2026-02-19 18:26

The UK government is assessing possible modifications to its digital services tax (DST) in an effort to prevent additional tariffs from the US, as disclosed by Rachel Reeves. Since being introduced in 2020, the DST, which levies global tech giants such as Meta, Google, and Amazon, has generated approximately £800m annually, as reported by City AM. However, with President Donald Trump expected to declare new tariffs on the 2nd April, the UK is said to be considering altering the tax in return for being exempted from the duties that Trump has warned he would impose on many of the UK's trade allies. Discussing the issue, Reeves stated: "We need to get the balance right. We don't want British exporters facing higher tariffs." She further noted that the UK would persist in ensuring that tech companies are taxed where they are operating while striving to uphold equitable trade ties with the US. Nevertheless, this proposal has been met with harsh criticism. Liberal Democrat leader Sir Ed Davey blasted the notion of adapting UK tax policy to mollify Trump at his party's spring conference in Harrogate. Davey cautioned: "Changing the UK's tax policy to appease Donald Trump and Elon Musk is a dangerous path. Appeasement never works with bullies, and it doesn't work with Trump. Look at what he's already done with British steel tariffs". His observations echo mounting apprehension that Labour's stance towards Trump might erode the UK's capacity to maintain its fiscal sovereignty. "Now Labour's even talking about scrapping Britain's tax on social media giants", Davey continued. While Labour representatives, including Reeves, have not dismissed the possibility of altering the DST to secure advantageous trade conditions, the opposition contends that such compromises could result in long-term damage.