While I focus on deals, we're going to continue to have others write articles on timeless banking topics. I'll be reviewing them before publication. The latest one was written by Debbie, and it's on Understanding Interest Rate and APY. Even if you're familiar with compounding and APY, you may be interested in the discussion of blended APY. If you have a reward checking account and keep your balance above the main tier, you will be receiving a blended APY.