Real ChatGPT answer · index seedC7NdtiQEEVwcompleteFinance and banking · checking and savings accountsinformational

I am retired on a fixed income and need to find the absolute best type of high yield account to keep my emergency fund liquid and safe

ChatGPTgpt-63 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
I am retired on a fixed income and need to find the absolute best type of high yield account to keep my emergency fund liquid and safe
3 real searches · 1 real-search pass
FDIC deposit insurance coverage limit $250,000 per depositor per insured bank ownership category savings accounts officialGoogle ↗
OBSERVEDDefinition
NCUA share insurance coverage limit $250,000 credit union savings account officialGoogle ↗
OBSERVEDDefinition
high yield savings account variable APY withdrawal access fees consumer guidance CFPB FDICGoogle ↗
OBSERVEDComparison

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short factOther / navigationalComparison33%ConsequenceReasonDefinition67%InstructionYes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
FDIC deposit insurance coverage limit $250,000 per depositor per insured bank ownership category savings accounts official Google ↗
NCUA share insurance coverage limit $250,000 credit union savings account official Google ↗
high yield savings account variable APY withdrawal access fees consumer guidance CFPB FDIC Google ↗
  1. Deposit Insurance FAQs · fdic.gov
  2. Deposit Insurance · fdic.gov
  3. Share Insurance Coverage · ncua.gov
  4. Share Insurance · mycreditunion.gov

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC deposit insurance coverage limit $250,000 per depositor per insured bank ownership category savings accounts official
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1
NCUA share insurance coverage limit $250,000 credit union savings account official
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1
high yield savings account variable APY withdrawal access fees consumer guidance CFPB FDIC
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1