Autophagy is the body’s way of cleaning out damaged cells, in order to regenerate newer, healthier cells. It allows your body to remove the dysfunctional cells.

The tier 1 capital ratio is the ratio of a bank’s core tier 1 capital—its equity capital and disclosed reserves—to its total risk-weighted assets.

Currently, the national average rate on a 12-month CD, according to data from the FDIC, is 1.62% as of June 2025, but the best one-year CD rates today top 5.00% APY.