MMA, ID Theft Protection Services[Review]

TIAA Bank offers a higher fixed APY rate for the first year on its money market account. The first-year rate is locked in for the whole year and is eligible for any balance up to $250,000. After that, money market accounts have tiered rates based on account balances.

Money market accounts are viewable through TIAA’s mobile app, with mobile check deposit available. Another benefit is that TIAA’s money market accounts are IRA eligible.

Read our full TIAA Bank review.

Details
After the first year, the APY varies, depending on account balance, from 0.50% to 0.70%. TIAA Bank offers its Yield Pledge promise: to assess competitors’ rates, on a weekly basis, and to make adjustments to ensure TIAA’s money market account is among the top 5% of Competitive Accounts.

We chose Identity Guard as our best identity theft option overall based on its robust selection of highly-rated plans and because all of its plans offer $1 million in identity theft insurance. Plans from Identity Guard also start on the low end when compared to competitors, which is a major bonus for those who want basic protection without having to pay too much. 

Details
Identity Guard offers highly-rated ID theft protection that can be purchased for individuals or families. For individuals, they offer three main plans—the Value plan includes basic identity monitoring, the Total plan includes identity protection and credit monitoring and the Premier plan includes premium identity protection and credit monitoring services.

One major benefit of Identity Guard is that all plan options (including Basic options) include $1 million in identity theft protection. If you only want Basic coverage, you can pay as little as $6.67 per month for dark web monitoring, a risk management report, safe browsing tools and an anti-phishing mobile app. However, you can also opt for the pricier Premier plan that includes extras like monitoring of all three credit bureaus, tax refund alerts, credit scores and reports and address monitoring.