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Helpful Info - Dividend Rate/Interest Rate: Many deposit accounts pay an annual rate of interest (banks) or annual rate of dividends (credit unions). This rate does NOT take into account the compounding of earnings within the year. Annual percentage yield (APY): Measures the total amount of earnings on an account based on the dividend rate and the frequency of compounding. It takes into account the earnings made on your original deposit, as well what you earn on top of the other earnings. Some of my favorite books: Camera & equipment I use: Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: Thanks for watching, I appreciate you!