9月9日的NerdWallet: Smart Money App应用程序分析

The free NerdWallet app is your money's smartest friend. BUDGET LIKE A PRO - Link accounts for a budget that sorts needs, wants, and savings. STAY ON TOP OF YOUR CREDIT - 24/7 monitoring, change alerts, and score insights. FIND WAYS TO SAVE - Spot forgotten subscriptions and better bank rates. MAKE SMARTER MONEY MOVES - Compare trusted ratings on cards, banks, and loans. EARN MORE ON YOUR CASH - Open a Cash Account offered by Atomic Brokerage and deposit funds within 14 days to earn a boosted 3.90% APY on balances up to $250,000 for the first 6 months. Disclosures: NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy NerdWallet terms: https://www.nerdwallet.com/p/terms-of-use An introductory 0.65% Annual Percentage Yield (APY) boost is available on up to $250,000 in deposits for the first 6 months when you open a Cash Account offered by Atomic Brokerage LLC and deposit funds. Balances above $250,000 will earn the standard 3.25% APY. After the 6 month introductory period, all balances earn the standard 3.25% APY. The introductory APY boost of 0.65% is available through NerdWallet’s promotional program. APYs are accurate as of 05/26/2026 and are subject to change without notice. Paid Non-Client Promotion for the Cash Account: NerdWallet has engaged Atomic Brokerage LLC ("Atomic"), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account (“Cash Account”) in which cash is swept into unaffiliated bank deposit accounts opened for you by, and in the name of Atomic Brokerage as agent and custodian. NerdWallet is a promoter of Atomic. Atomic shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash account, which creates a conflict of interest. Atomic and NerdWallet are not under common ownership and are not related entities. You will not be charged any fee or incur any additional costs for being referred to Atomic by the Promoter. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. You should not expect cash deposited in an Atomic Brokerage account used solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic Brokerage in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to support-brokerage@atomicvest.com to discuss your options. Personal Loans Interest Rates and Fees: You can view personal loan offers on NerdWallet's loans marketplace. These are from third party advertisers from which NerdWallet may receive compensation. NerdWallet displays personal loans with rates that range from 4.60% to 35.99% APR with terms from 1 to 7 years. Rates are controlled by third party advertisers and are subject to change without notice. Depending on the lender, other fees may apply (such as origination fees or late payment fees). You can view any particular offer's terms and conditions for more information within the marketplace. All loan offers on NerdWallet require application and approval by the lender. You may not qualify for a personal loan at all or may not qualify for the lowest rate or highest offer displayed. Representative Repayment Example: A borrower receives a personal loan of $10,000 with a term of 36 months and an APR of 17.59% (which includes a 13.94% yearly interest rate and a 5% one-time origination fee). They would receive $9,500 in their account and would have a required monthly payment of $341.48. Over the lifetime of their loan, their payments would total $12,293.46.