About TODAY.you

Short answer: TODAY.you is an independent educational publisher that turns mortgage, savings, CD and borrowing rates into dollar comparisons, decision checks and practical next steps.

Four topics, four different questions

A rate means something different in each market. TODAY.you connects each number to the decision it changes.

Mortgages

A mortgage rate affects the payment. APR, points and lender fees affect the broader cost. Start with the mortgage guide center.

Savings accounts

APY estimates yearly growth. Fees, balance tiers and access rules can reduce what you keep. See the savings guide center.

Certificates of deposit

A CD can lock a yield for a set term. Penalties and renewal rules affect when you can use the money. Read the CD guide center.

Consumer borrowing

APR joins interest with certain fees. The term and payment schedule determine total repayment. Open the borrowing guide center.

How a page earns its place

Each page must do more than define a term. It must help with a real choice.

Name the source. Rate data needs a source and time under our rate methodology.
Explain the relationship. The page shows what changes the rate, cost or access to money.
Test the choice. A guide adds an example, table, checklist or calculation.
Show the next step. Contextual links lead to a related guide or the right calculator.

Our boundaries

TODAY.you provides education, not individualized financial advice, and commercial payment cannot change an editorial conclusion.

We are an educational publisher

TODAY.you is not a lender or a bank. It is not a fiduciary adviser. A guide cannot replace the provider’s current contract or disclosure.

We do not invent proof

We do not create fake experts, awards, customer reviews or first-hand testing. “Best” is used only when the criteria and group being compared are clear. The editorial policy explains these rules.

Payment cannot buy a conclusion

Advertising stays separate from editorial order. No provider can pay to change a guide’s conclusion. Read our commercial safeguards.

Corrections

Material errors are reviewed against current primary evidence and corrected when that evidence supports a change.

What to send

Rate information can change fast. Send a correction with the page URL, the statement at issue and a current primary source when possible.

What we change

We review material errors and update the page when the evidence supports a correction. We do not silently change the original meaning.