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Yuliya Goldshteyn

Former Editor, Deposits
  • 5
    years of experience in personal finance
Ribbon Icon EXPERTISE
  • Consumer banking
  • Savings accounts
  • Certificates of deposit
  • CD rates
Education Icon EDUCATION
  • Bachelor of Arts, University of California, Berkeley
  • Master of social sciences, The University of Chicago

About the author

Yuliya Goldshteyn is a former Bankrate deposits editor with broad knowledge of consumer banking products, including high-yield savings accounts, checking accounts, certificates of deposit and bank bonuses. She joined Bankrate in 2024 after spending three years covering all aspects of consumer banking at NerdWallet. Yuliya is passionate about extolling the virtues of high-yield savings accounts, helping readers identify the perfect checking account for their daily needs and generally helping people feel confident in their banking decisions. 

Yuliya is based in Portland, Oregon. When she’s not scouring the fine print of deposit agreements, she can be found hiking around the local stratovolcanoes, printing greeting cards on her antique letterpress and painting extremely simple watercolor landscapes.

How I think about money

I like to keep my banking life simple because with two little kids and a never-ending pile of laundry to do, I just don’t have the time to fuss. This means that I don't spend time hunting for the highest possible return on my savings. Instead, I have an account at a bank I like that has a solid history of offering a good APY. This way, I know my savings are always working for me without adding any extra work for me.

Don’t be afraid to change bank accounts, especially if your savings account is paying you nothing. There’s really no reason to miss out on the free money of a high APY.

— Yuliya Goldshteyn

Yuliya's Picks

Woman sitting outside of restaurant looking at cell phone
3 MIN READ

How to start saving (even if you’re starting from scratch)

Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.

Man at laptop, deep in thought
5 MIN READ

The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

An image of a pink piggy bank standing on top of a green and white striped rocket with smoke coming out of the end of the rocket.
5 MIN READ

What is a high-yield savings account? Definition, rates & how to choose

Here’s everything you need to know about high-yield savings accounts.

married couple looking at computer screen
4 MIN READ

Should couples have a separate or joint bank account?

Experts say you can cut many financial disputes off before they happen by having separate financial accounts.

Yuliya's latest articles

  • Best 2-Year CD Rates For July 2026

    Shop around before you buy a two-year CD. The best rates for a certificate of deposit pay way more than the national average.

    3 min read Jul 01, 2026

  • Best IRA CD Rates for June 2026

    Find the best IRA CD rates from credit unions and banks by comparing APY, term, minimum deposit required and early withdrawal penalty charges.

    9 min read Jun 23, 2026

  • Limelight Bank Review 2025

    Read our experts' review on Limelight Bank's features and product offerings. Bankrate reviews and compares hundreds of banks to help find the right fit for you.

    2 min read Jun 18, 2026

  • Citibank Review 2025

    Read our experts' review on Citibank's features and product offerings. Bankrate reviews and compares hundreds of banks to help find the right fit for you.

    3 min read Jun 18, 2026