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Yuliya Goldshteyn

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 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

  • Ally Bank Checking Account

    Ally Bank offers one checking account. Here's everything you need to know about its minimum balances, fees and perks.

    2 min read Apr 30, 2026

  • Best CD Rates Of April 2026 - Up to 4.20%

    Stay informed on today's best CD rates trending above 4 percent APY. Bankrate's experts compare CD offers from thousands of financial institutions, empowering you to make the right decisions for your financial goals.

    6 min read Apr 17, 2026

  • BTG Pactual Bank Review

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

    1 min read Mar 30, 2026

  • Fifth Third Bank Review

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

    2 min read Mar 19, 2026

  • Bank5 Connect Review 2025

    Read our experts' review on Bank5 Connect's features and product offerings. Bankrate reviews and compares hundreds of banks to help find the right fit for you.

    3 min read Mar 18, 2026

  • Santander Bank Review 2025

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

    2 min read Mar 18, 2026