About Federico
Federico Miotti is the founder and editor of MortgageRatePro. He is responsible for the site's calculators, guides and research, including the monthly CD Rate Gap Report.
He holds a degree in Business Economics from Ca' Foscari University of Venice (2002) and a Master's in Finance and Management Control from IFAF in Milan (2009). Earlier in his career he worked in strategic marketing in Germany.
Federico is the founder of Quadra Studio, an accounting, tax and corporate-finance firm established in 2009 in Vicenza, Italy, where he leads the strategic finance practice, working mainly with startups and digital companies. Since 2012 he has taught courses on the relationship between banks and businesses for professional training institutes.
He works in Italian, English and German.
Education and experience
- Degree in Business Economics, Ca' Foscari University of Venice (2002)
- Master's in Finance and Management Control, IFAF, Milan (2009)
- Founder of Quadra Studio, strategic finance practice (est. 2009)
- Lecturer on bank–business relationships for professional training institutes (since 2012)
How we work
- Public, primary data. Research on this site uses U.S. government data (the FDIC, the Federal Reserve and the Bureau of Labor Statistics), and each report publishes its sources and methodology.
- Transparent calculators. Calculators use standard financial formulas and run in your browser; we don't store the numbers you enter.
- Dated updates. Every calculator, guide and report shows when it was last updated.
- Education, not advice. Content on MortgageRatePro is for general information and doesn't take your personal situation into account.
Spotted an error, or writing a story? Email press@mortgageratepro.com.
Research and tools
CD Rate Gap Report
Monthly analysis of average CD rates vs. Treasury yields. September 2026 edition.
Read the report →CD Calculator
What a certificate of deposit earns at any rate and term.
Try Calculator →Blog
Guides on mortgages, savings, investing, retirement and debt.
Read the guides →