MonitorBankRates
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Best Money Market Rates in Poulan, Georgia (GA) - April 2026

Current Poulan, Georgia and the surrounding area money market rates include Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.65% Money Market at 3.75% APY, Workmens Circle Incorporated Credit UnionWorkmens Circle Incorporated Credit UnionA+5.0 ★Texas Ratio: 0.00% Share/IRA Money Market/Platinum Plus at 3.75% APY, RBC Bank, (Georgia)RBC Bank, (Georgia)A+5.0 ★Texas Ratio: 2.29% U.S. Business Money Market Savings at 3.60% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% Money Market Special Intro rate at 3.50% APY, and Publix Employees Federal Credit UnionPublix Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.34% High-Yield Money Market Tiers* at 3.50% APY. Money market rates as of April 11, 2026 according to verified data from MonitorBankRates.

Poulan is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Georgia area are available to Poulan residents, with money market rates as high as 3.75% APY from Together Credit Union. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Poulan, Georgia and surrounding area. Last Updated and Verified: April 11, 2026

Compare the Best Money Market Rates Today in Poulan, Georgia & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.75%
$0
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

New money only

Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

With balance above - $999,999.99

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market
3.75%
$0
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

New money only

RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
U.S. Business Money Market
3.60%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
U.S. Business Money Market Savings
3.60%
$0
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Touchmark Bank
Institution Rating:
F2.3 ★ Texas Ratio: 47.73%
Personal and Business Money Market
3.50%
$25,000
Rate
Min Deposit$25,000
Min Balance
UpdatedMar 29, 2026
Details

Guaranteed for 6 Months; Minimum deposit of $25,000 is required to open the Money Market account and obtain APY. Money Market account fees could reduce earnings. Offer available to new Money Market account customers only. Money Market account interest is compounded daily and credited to your account monthly. Limited time offer.

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers*
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

$15,000+ Intro rate

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

$15,000+

Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

With balance between $250,000.00 - $999,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$100,000
Rate
Min Deposit$100,000
Min Balance
UpdatedApr 11, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Business Money Market
3.30%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

My Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Money Market
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Average Daily Bal.

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.25%
$100,000
Rate
Min Deposit$100,000
Min Balance
UpdatedApr 11, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★ Texas Ratio: 21.26%
Money Market Savings
3.25%
$100
Rate
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.25%
$0
Rate3.21%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

With balance between $100,000.00 - $249,999.99

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Qualifying balance up to $1,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.10%
$0
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.10%
$0
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

My Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Money Market
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Average Daily Bal.

Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Performance Money Market
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Money Market Account
3.00%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.00%
$100,000
Rate
Min Deposit$100,000
Min Balance
UpdatedApr 11, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

With balance between $20,000.00 - $99,999.99

Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Money Market
3.00%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.95%
$0
Rate2.91%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.95%
$0
Rate2.91%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★ Texas Ratio: 21.26%
Money Market Savings
2.85%
$100
Rate
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Simple Money Market
2.80%
$100
Rate
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

$5 monthly maintenance charge waived when minimum balance requirement is met

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
2.75%
$100,000
Rate
Min Deposit$100,000
Min Balance
UpdatedApr 11, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Money Market Accounts
2.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

$100,000+

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Money Market
2.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

$50,000 and up

P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Business Money Market
2.70%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.70%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.70%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Simple Money Market
2.60%
$100
Rate
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

$5 monthly maintenance charge waived when minimum balance requirement is met

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.55%
$0
Rate2.52%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.55%
$0
Rate2.52%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Money Market
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

My Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Money Market
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Average Daily Bal.

Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Performance Money Market
2.52%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Money Market Account
2.50%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Money Market
2.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

$25,000.00 - $49,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Money Market Account
2.50%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 11, 2026
Details

$1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Regular, TRUST, & IRA MMAs
2.40%
$100,000
Rate2.37%
Min Deposit$100,000
Min Balance
UpdatedApr 6, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★ Texas Ratio: 21.26%
Money Market Savings
2.34%
$100
Rate
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Money Market
2.30%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

My Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Money Market
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Average Daily Bal.

Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Performance Money Market
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Money Market Account
2.25%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Family First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
Money Market Account
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Money Market Account
2.25%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 11, 2026
Details

$1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Business Money Market Accounts
2.15%
$0
Rate2.13%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Performance Money Market
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Money Market3
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Money Market
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Business Money Market
2.00%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Money Market
2.00%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

$10,000.00 - $24,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Money Market Account
2.00%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 11, 2026
Details

$1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★ Texas Ratio: 21.26%
Money Market Savings
1.85%
$100
Rate
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

OneSouth Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Money Market Account
1.76%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Money Market Account
1.75%
$1,000
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 11, 2026
Details

$1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Security Federal Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Money Market
1.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
U.S. Business Money Market Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Poulan, Georgia and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Poulan, GA Money Market Rate Trends

Compare local Poulan, GA money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Georgia MMA Trends →
High-Yield MMA — GA Avg
0.653%
▲ 0.008 vs 7 days ago

Georgia high-yield MMA rates rose 0.008 points over the past 7 days to 0.653% APY.

Standard MMA — GA Avg
1.242%
▲ 0.030 vs 7 days ago

Georgia standard MMA rates rose 0.030 points over the past 7 days to 1.242% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Poulan, Georgia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Poulan, Georgia. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in GA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Poulan, Georgia

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Georgia.

Are Money Market accounts in Poulan, Georgia safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Georgia up to $250,000 per depositor, per institution.

How often do MMA rates change in Poulan, Georgia?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Georgia rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Poulan, Georgia

Here are some of the highest money market account APYs currently available in Poulan, Georgia and the surrounding area:
  • Together Credit Union
    Money Market — 3.75% APY
  • Workmens Circle Incorporated Credit Union
    Share/IRA Money Market/Platinum Plus — 3.75% APY
  • RBC Bank, (Georgia)
    U.S. Business Money Market Savings — 3.60% APY
  • Baxter Credit Union
    Money Market Special Intro rate — 3.50% APY
  • Publix Employees Federal Credit Union
    High-Yield Money Market Tiers* — 3.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Poulan, Georgia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026