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New York Savings Rate Trends

Plainview, New York (NY) Savings Rates - March 2026

The best savings rates for Plainview, New York and the surrounding area include Apple Bank for SavingsApple Bank for Savings365 South Oyster Bay Road, Plainview, NY 11803A+5.0 ★Texas Ratio: 1.54% Apple Bank SmartStart Savings Account at 5.00% APY, Ridgewood Savings BankRidgewood Savings Bank1125 Old Country Rd, Plainview, NY 11803A5.0 ★Texas Ratio: 7.75% Smart Move Online Savings Account at 3.40% APY, Jovia Federal Credit UnionJovia Federal Credit Union525 Old Country Rd, Plainview, NY 11803A5.0 ★Texas Ratio: 10.24% Online Savings at 3.20% APY, Capital One BankCapital One Bank144 Manetto Hill Rd, Plainview, NY 11803A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, and Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A5.0 ★Texas Ratio: 6.07% Teen Savings at 10.00% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Plainview, New York, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Plainview, New York (NY) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Plainview, New York and the surrounding area. Last Updated and Verified: March 24, 2026

Compare the Best Savings Rates in Plainview, New York & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Apple Bank SmartStart Savings Account
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
SmartStart Savings
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
SmartStart Savings & Banking
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
SmartStart Savings for Teens
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
SmartStart Savings for Young Adults
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
SmartStart Savings for Youth
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedMar 17, 2026
Details

balances from $1.01 to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
My Reserve Savings Account
3.75%
$0
Rate3.68%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

New Money Only

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Apple Bank Core Savings Account
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Simple Savings Account Preferred Rate
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Simple Banking Program

Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
1125 Old Country Rd, Plainview, NY 11803
Smart Move Online Savings Account
3.40%
$0
Rate3.30%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $249,999.99

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Online Savings
3.20%
$11
Rate3.15%
Min Deposit$11
Min Balance
UpdatedMar 20, 2026
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
144 Manetto Hill Rd, Plainview, NY 11803
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Simple Savings Account
3.03%
$0
Rate2.98%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Health Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Retirement Savings Account
1.50%
$0
Rate1.48%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
1125 Old Country Rd, Plainview, NY 11803
Youth Savings Account
1.50%
$0
Rate1.47%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $25,000.00; Up to $10 will be credited upon account opening and will be reported as interest income with a 1099-INT form.

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Apple Bank Core Savings Account
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Youth Savings Account
1.01%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
1125 Old Country Rd, Plainview, NY 11803
Passbook Savings
0.25%
$1
Rate0.25%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
1125 Old Country Rd, Plainview, NY 11803
Statement Savings
0.25%
$1
Rate0.25%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Health Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Special Purpose Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
525 Old Country Rd, Plainview, NY 11803
Health Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Retirement Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Premium Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Apple Bank Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Grand Yield Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
My Reserve Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

New Money Only

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Super Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Savings Account
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 South Oyster Bay Road, Plainview, NY 11803
Retirement Savings Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
Teen Savings
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $6000.00

SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
Youth Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3681 Horseblock Rd, Medford, NY 11763 2242
Youth Savings
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Earn a great rate, plus get $25 when balance reaches $1,000.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.70%
45 Atlantic Ave, Oceanside, NY 11572 2035
Youth & Young Adult Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $1,000.00

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY 14625
Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
Smarts Starts Early Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

UP TO AGE 21

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
NEXT eSavings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $1,000.00

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY 14625
Companion Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Jump Start Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $1,000.00

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
High Five Youth Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
Student Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Balances $0.00 - $1,000.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $100.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
High Dividend Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
FREEDOM DIRECT SAVINGS
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

when you add Direct Deposit to a new or existing Justice Federal Checking Account.

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
HighMarq Savings
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

APY and rate may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.

New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
726 Broadway Ste 110, New York, NY 10003 9616
High-Yield Savings
3.70%
$0
Rate3.65%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
12 Mo Share Cert
3.56%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
24 Mo Share Cert
3.56%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
HighQ Savings
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
QUORUM HIGHQ SAVINGS
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
36 Mo Share Cert
3.30%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
35 Bardonia Rd, Bardonia, NY 10954
Performance Savings
3.25%
$5
Rate3.20%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Qualifications Required

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.

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.

Plainview, NY Savings Rate Trends

Compare local Plainview, NY savings rate quotes against the statewide average

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

View Full New York Savings Trends →
High-Yield Savings — NY Avg
1.261%
▲ 0.795 from last week

New York high-yield savings rates rose 0.795 points this week to 1.261% APY, up from 0.466% last week.

Standard Savings — NY Avg
0.728%
▼ 0.522 from last week

New York standard savings rates fell 0.522 points this week to 0.728% APY, down from 1.250% last week.

As of Mar 25, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Plainview, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings 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 Plainview, New York. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NY.

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

Frequently Asked Questions about Savings Accounts in Plainview, New York

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New York, help your money grow faster through a higher APY.

Are savings accounts in Plainview, New York 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 New York up to $250,000 per depositor, per institution.

How often do savings rates change in Plainview, New York?

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

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Plainview, New York may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Plainview, New York?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Plainview, New York offer in-person customer service, which some customers prefer.

How do I open a savings account in Plainview, New York?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Plainview, New York

Here are recent savings rates observed in Plainview, New York and the surrounding area:
  • Apple Bank for Savings
    Apple Bank SmartStart Savings Account — 5.00% APY
  • Ridgewood Savings Bank
    Smart Move Online Savings Account — 3.40% APY
  • Jovia Federal Credit Union
    Online Savings — 3.20% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • Maspeth Federal S&L
    Teen Savings — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Plainview, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026