Affiliate Disclosure

Last Updated: January 2025

1. Purpose of This Disclosure

This disclosure explains how SavingsInterestCalculator.com ("we," "our," or "us") earns revenue and maintains transparency about our business relationships. We believe in honest, ethical practices and want you to understand exactly how we operate.

2. FTC Compliance

In accordance with the Federal Trade Commission (FTC) guidelines concerning the use of endorsements and testimonials in advertising, we disclose that we have financial relationships with some of the banks, credit unions, and financial institutions mentioned on this website.

3. How We Earn Money

3.1 Affiliate Commissions

When you click on certain links on our website and open a savings account, we may receive a commission from the financial institution. This is called affiliate marketing, and it's a common business model for comparison and review websites.

How it works:

• You click on a link to a bank or credit union
• You open an account (or meet other qualification requirements)
• The financial institution pays us a commission
• You pay nothing extra—your rates and terms are the same as if you went directly to the bank

3.2 Display Advertising

We may display advertisements from third-party advertising networks (such as Google AdSense). These ads help support our free calculator tools and content.

3.3 Sponsored Content

Occasionally, we may publish sponsored content or featured placements. When we do:

• It will be clearly labeled as "Sponsored," "Featured," or "Paid Promotion"
• We maintain editorial control and integrity
• We only accept sponsorships from reputable institutions

4. Our Commitment to You

4.1 Editorial Independence

Our affiliate relationships do NOT influence:

• The accuracy of our calculators
• The objectivity of our reviews
• The content of our educational articles
• The rankings in our comparison tables

We evaluate financial products based on:

• Interest rates (APY)
• Fees and minimum balances
• Account features and accessibility
• Customer service reputation
• FDIC insurance and security

4.2 Honest Recommendations

We only recommend products and services that:

• We believe provide genuine value to savers
• Meet our quality standards
• Have competitive rates and fair terms
• Come from reputable, established institutions

We will never:

• Recommend a product solely because it pays higher commissions
• Mislead you about account features or requirements
• Omit important information about fees or restrictions
• Fabricate reviews or testimonials

5. Identifying Affiliate Links

We strive to make our affiliate relationships clear:

• Many links to financial institutions on our site are affiliate links
• Affiliate links may be marked with asterisks (*) or disclosure text
• Comparison tables typically contain affiliate links
• "Open Account" or "Apply Now" buttons are often affiliate links

When in doubt, assume that links to financial institutions may be affiliate links.

6. No Additional Cost to You

Using our affiliate links costs you nothing extra:

• You receive the same interest rates
• You have the same account terms and conditions
• You qualify for the same promotions and bonuses
• Your banking experience is identical

In many cases, banks offer special promotions or bonuses for new customers, which you can access through our links.

7. Our Relationship with Financial Institutions

7.1 Affiliate Partnerships

We have affiliate relationships with various banks, credit unions, and financial companies. These may include:

• National online banks
• Traditional brick-and-mortar banks
• Credit unions
• Financial technology (fintech) companies

7.2 Not All Products Are Affiliates

We review and compare many financial products, including some that:

• Do not have affiliate programs
• We have not yet partnered with
• May not accept new customers through affiliates

We include these products when they offer competitive value, regardless of commission potential.

8. Commission Structure

While specific commission amounts are confidential, general structures include:

• Pay-per-action: Commission when you open an account and meet requirements (e.g., minimum deposit, direct deposit)
• Pay-per-click: Small payment when you click a link (less common)
• Revenue sharing: Ongoing small percentage based on account activity (rare in savings accounts)

Commission amounts vary widely by institution and account type but typically range from $25 to $200+ per qualified account opening.

9. Calculator Accuracy and Neutrality

Our calculators are designed to be:

• Mathematically accurate: Using proper compound interest formulas
• Unbiased: Not skewed to favor affiliate partners
• Transparent: Showing you exactly how calculations work
• Free to use: No signup or payment required

Calculator accuracy is never compromised for commercial interests.

10. Comparison Methodology

When we compare savings accounts and create "best of" lists, we consider:

1. Interest rates (APY): Primary ranking factor
2. Fees: Monthly maintenance, overdraft, transaction fees
3. Minimum requirements: Opening deposits, balance requirements
4. Accessibility: Ease of deposits, withdrawals, customer service
5. Features: Mobile app, ATM access, linked accounts
6. FDIC insurance: Security and legitimacy
7. User experience: Reputation and customer feedback

Affiliate status is NOT a ranking factor.

11. Your Responsibility

While we strive to provide accurate information:

• Always verify rates, terms, and fees directly with the financial institution
• Read all account documentation before opening an account
• Understand that promotional rates may be temporary
• Consider your individual financial situation and needs
• Consult with a financial advisor for personalized guidance

12. Rate and Information Updates

Interest rates and account terms change frequently. We make our best effort to:

• Update rates regularly (typically monthly or more)
• Note when information was last verified
• Remove or update discontinued products
• Correct errors promptly when identified

However, rates on our site may not reflect real-time changes. Always verify current rates with the financial institution.

13. Supporting Free Tools

Affiliate commissions help us:

• Keep all calculators completely free
• Maintain and improve our tools
• Create new calculators and features
• Produce educational content
• Cover hosting and operational costs

By using our affiliate links, you help support free financial education and tools.

14. Questions and Concerns

If you have questions about:

• Our affiliate relationships
• How we evaluate products
• Specific recommendations
• This disclosure policy

Please contact us at [email protected] or through our contact form.

15. Changes to This Policy

We may update this disclosure as our business relationships evolve. Changes will be posted with an updated "Last Updated" date. Material changes may be highlighted on our homepage.

16. Legal Disclaimer

This disclosure is provided in compliance with:

• Federal Trade Commission 16 CFR Part 255 (Guides Concerning the Use of Endorsements and Testimonials in Advertising)
• Truth in Advertising principles
• Consumer protection regulations

Thank you for supporting SavingsInterestCalculator.com by using our free tools and resources.