Select each of the factors you should consider when selecting a savings account.

penalties and fees

late fee

minimum balance

interest rates

interest thresholds

variable interest rates

annual percentage yield (APY)

APR

I would say all of them, only because you want to make sure that you're choosing the best account overall. My best guess, if that's not the answer, which it should be, would to be to look and see from your text, if it specifically mentions that any of these are not a part of a savings account. Nowadays, they all can be. It depends what bank you go to. But in Business classes, it might show that you a savings can't have one or more of these. For example, you usually see APR on other types of accounts. Not always savings. But for your grade level, and argument sake, I'd say all.