Yuliya Goldshteyn

Editor, Banking

4

years of experience in personal finance

EXPERTISE

Consumer banking
Savings accounts
Certificates of deposit
CD rates

EDUCATION

Bachelor of Arts, University of California, Berkeley
Master of social sciences, The University of Chicago

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 Goldshteyn is a banking editor at Bankrate 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 helping people feel confident in their banking decisions.

Yuliya honed her editorial skills in a wide range of industries before working in personal finance. She was an editor and researcher for a boutique marketing firm, an editor and creative director in the healthcare rewards industry and has edited numerous academic works, including dissertations in public health and public policy.

She has a bachelor’s degree in history from the University of California, Berkeley and a master’s degree in social sciences from the University of Chicago.

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 super simple watercolor landscapes.

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 latest articles

What is a multicurrency account?

Here’s how multicurrency accounts work and who may want to consider one.

6 min read Apr 04, 2025
The best banks and credit unions of 2025

The best bank and credit union for you will depend on your banking needs, but in general, the best banks offer accounts with low or no minimum balance requirements and don’t charge monthly fees — or [...]

7 min read Mar 31, 2025
9 things you need know if you bank with Chase

If you’re one of the 80 million Chase Bank customers, chances are you already know of many benefits to banking with the largest banks in the U.S.: cardless ATM access, a robust mobile app and overdraft [...]

3 min read Mar 21, 2025
IRA vs. CD: What’s the difference?

You can invest in a CD. You don’t technically invest in an IRA. Here’s what else to know.

8 min read Mar 21, 2025
Opening up a bank account while abroad: Everything U.S. citizens need to know

Here’s when it makes sense to open a bank account abroad and tips for choosing the bank.

7 min read Mar 21, 2025
What is the Consumer Financial Protection Bureau?

Here’s how the Consumer Financial Protection Bureau works to keep consumers safe.

6 min read Mar 19, 2025
What is your savings rate and why it matters

There are a handful of numbers you should track for your financial health and well-being. A few you might already know about – your credit score and your net worth, for example. But you should also know [...]

4 min read Mar 14, 2025
Savings APYs are still high. Here’s how you can take advantage

As the old saying goes: What goes up, must come down. But in the case of annual percentage yields (APYs), we might have a bit more air time. While APYs on deposit accounts may have come down from their [...]

3 min read Mar 14, 2025