A rate headline is built to be noticed. A careful reader slows down and looks for the nouns around the number.
Find the unit
Is it APY, APR, simple interest, seven-day yield, or a scenario? The label changes the meaning.
Find the condition
Some rates depend on a minimum balance, new-customer status, direct deposit, balance cap, or introductory window.
Find the source
The source should be a clearly identified institution or fund sponsor, not a vague landing page with no accountable provider.