Bank Deals - Best Rates and Deals: Finding the Best Bank Rates and Deals #7

Rates may be out of date. Please check the banks' websites for latest rates.

Sunday, July 22, 2007

Finding the Best Bank Rates and Deals #7
read and submit comments for this post

This post is intended to be a place where readers can share info on the best bank deals or other useful banking news. Your help is much appreciated. Also, I'm including a list of websites that list the best CD and money market rates. This is intended to be a place where you can start your search for the best bank deals.

This is the seventh finding-the-best-deals post. The last one was getting too long.

In your comment, please include the link to the deal. If the deal is not on the bank's website, please include the source of the deal (i.e. a New York Times newspaper ad, a sign at a local bank, etc.)

I'll try my best to post on the deals, and I'll be sure to give you credit. If you want to remain anonymous, simply comment as an anonymous user or email me at bankdeals at gmail dot com.

One tip to see if the deal has already been posted is to use the search box at the top of this page or do a search of my archive page or the monthly archives which are located on the right sidebar.

Bank Deals at this Blog and Elsewhere

With new deals from banks and credit unions constantly popping up, no site has a complete list of all the best deals. Some think Bankrate.com has a complete list, but it fails to list many high rate CDs especially those with odd terms like an 11-month term. Also, it does a poor job at credit union certificates.

Below are lists of the best resources for different categories. I've included mine on top of each category (noted by Bank Deals:). If you find another good source of bank deals, please let me know.

Best Certificate of Deposit Rates

Best Money Market / Savings / Checking Account Rates

Bank Bonuses

Bank Deals: Bonuses - latest 50
Bank Deals: Summary of Bank of America Bonuses
iBankBonus - Bank Sign-up Bonuses
gotalkmoney - National Bank Bonuses

Banking and Credit Union Resources

Bank Deals FDIC and NCUA info and links
Bank Deals Importance of FDIC and NCUA
Bank Deals Links to resources for National Banks
Bank Deals Finding local credit unions
Bank Deals CD Penalty Calculator - When to Break a CD
FatWallet Thread on ACH and Direct Deposit
FatWallet Thread on Banks and Hard Credit Pulls

Please check the institution's website for the latest rates and specials. This post may be out of date. Please check the Bank Deals home page for current rates and specials. Please refer to my About page and this site's disclaimer for more details.

322 Comments: Post a Comment

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FRIST PS0T!!!!!!!!!

By Anonymous, at 2:52 PM, July 22, 2007
This is a very concise list of "go to" places. Of course I still relie on Banking Guy's, Best Bank Deals. I do check 4-5 other sites each day, so as not to miss out on something special. Probably the middle of August I will withdraw most of the funds in FNBO and go to NavyFCU's 6% 10 mo CD.(unless you come up with a decent short term rate before that) Thanks Banking Guy.

By Anonymous, at 3:24 PM, July 22, 2007
UT Federal Credit Union, Knoxville, TN has a 5.5% CD Special, 5 months, $1,000 min.
See www.utfcu.org

By Anonymous, at 6:02 PM, July 22, 2007
Here is an article I have posted that gives people a summary of banking deals and the features of some of the most popular accounts these days.

You could add it somewhere on your list as a "guide" of sorts.

Killer Checking (and Savings) Deals To Help You Retire Young and Wealthy

By Andrew, at 6:53 AM, July 23, 2007
Banking guy, thanks for your wonderful services for us...

You just posted the CalState9 CU's 6% CD, I am trying to go for that, waiting to check if they are going to do any hard or soft credit check..
In the mean time I found another deal on the same news paper online ad page of Cal State Ad.. here is the link http://newspaperads.insidebayarea.com/ROP/ads.aspx?advid=433096&adid=4782923&cat=6497

5.5 APY CD at Community Banks of NC

By Sree, at 7:12 AM, July 23, 2007
Christian Community CU is offering 6% 7-month CD ($2500 only) and $50 bonus on checking with dd ($100 to open).
link

By dana, at 11:06 PM, July 24, 2007
Wachovia is offering $50 when you open a free checking account

http://www.wachovia.com/misc2/0,,1517,00.html

By Anonymous, at 2:49 PM, July 26, 2007
I was browsing the patelco website and saw that they are offering a 7% 12 month CD but the max is only $1000.

By Nabil, at 4:51 PM, July 27, 2007
Illinois, Chicago-land area, First United Bank has a promo offer where if you use their atm, bring in your atm receipt, and open a checking account, you get $100, free. www.fubonline.com to find the atm locations.

By Abbs, at 8:22 AM, July 28, 2007
I am wondering if anyone knows anything about Evergreen Private Bank. They are advertising 2 promotions on their website one with interest for a checking account and another for the money market account with the highest tier over $25,000 paying 5.75% interest. Any comments you might have would be appreciated.

evergreenprivatebank.com is the link. It says member FDIC but I did not notice it stating that deposits are FDIC insured. Also nothing is stated about out of state deposits.

Thanks.

By Anonymous, at 7:04 AM, July 29, 2007
Thanks everyone for the comments.

Dana, thanks for the CCCU 6%/$50 bonus deal. I had posted on this a long time ago, but I think it's time for a new post.

Abbs, I'll post on that First United Bank deal tomorrow.

Anonymous, please see this Wachovia post for more info on this bonus.

Nabil, please see this Patelco post for more info on this 7% deal.

Anonymous, about Evergreen Private Bank, please see this post on these specials.

By Banking Guy, at 2:09 PM, July 29, 2007
bNew up to $100 bonus on opening checking account at US Firtst CU

http://img.travidia.com/rop-ad/4830557

By Sree, at 6:49 AM, July 30, 2007
I learned this morning that CALSTATE 9 CU had stopped their 6% 7mo CD as of friday 7/27 (limit of $100K per account). I was in the process of applying at that time so this morning they allowed me to complete the forms and wire the money. For those folks in the process the CD will be valid until 8/1. I was told they would come out with a new advertisement on 8/1 the same 6% 7mo but the limit on the CD is $50K

By Anonymous, at 10:33 AM, July 30, 2007
I mentioned an interesting savings account (5.39%) at Emerald Bank in Dublin Ohio, but noted at that time a number of issues (no online access, no ACH, upstart bank). Things have now improved considerably and the same rate is available. The account is the Prime Savings account (http://www.emeraldbank.com/personal/personal3.asp). The interest is the prime rate published in the Wall Street Journal minus 3.00% (currently still 5.39%). They now have online banking. Although they charge to initiate an ACH transfer they do not charge or block transfers initiated elsewhere. So I use Cap1. They are still ranked by Bankrate as only 2 of 5 starts, they were recently acquired by Middlefield Banking Company (OH), which has a 5 star rating (they planning to continue operating under the Emerald Bank name). They also have a free checking. This is a pretty attractive package at this point. The one drawback is that they do not have an online application portal.

By gary, at 11:46 AM, July 30, 2007
Legacy Bank of Florida is offering a 5.55% 11-month CD with a $1,000 minimum. No details on their website, www.legacybankfl.com, but the offer was posted in the Florida Sun-Sentinel newspaper on Monday, July 30th. Bank is an FDIC member and has 4 South Florida branches - Boca Raton, Delray Beach, Fort Lauderale, and West Palm Beach.

By Anonymous, at 4:31 AM, July 31, 2007
Etrade has upped their Max-Rate Checking bonus from $25 to $75 from now until 8/31. Promo page. The terms look the same to the $25 bonus.

By David, at 6:33 AM, August 01, 2007
NO DD is required.

$15 bonus with Chase & $10 donation to Cancer Research

http://www.hustlerama.com/make-15-with-chase-and-they-will-donate-10-to-cancer-research/

By Hustler, at 7:28 AM, August 01, 2007
I can't believe this has not already been mentioned here. Fidelity has opened up a new ck acct option (mySmart Cash Account) similar to Schwab's ck acct. Basically, 3.5% APY, unlimited ATM refunds, FDIC-insured core.

Otherwise, it is just like their existing brokerage accts. In fact, it includes a new self-selected OD Protection service that allows the brokerage & mutual fund accts to be used for OD Protection.

More details at Fidelity's Website and discussion at FW

By Cyclone, at 2:56 PM, August 01, 2007
There was a post earlier on Valley national bank in NJ. Whenever new branch opens, they offer these deals. new 5 month cd- 6% with chkg/directdeposit. Buried and not advertized is: without direct deposit, and with checking account is: 5.75%. MM-5%. New branch opened in Edison, NJ, phonr 732-287-1442. This is not there yet on their website. Business MM 5%, business cd with chkg - 6%.
-Ram K

By buddy, at 3:51 PM, August 01, 2007
Looks like CapitalOne has raised their rate from 4.75 to 5%. They are also offering an extra dollar per month for every extra $1,000 deposited to an existing account (thru the end of August).

By Anonymous, at 3:51 PM, August 01, 2007
www.CalState9.Com stopped the last month promotion on 7/27 and started a new promotion
6% APY CD, 10 months, max $50K, 3 months penalty.
This is no where advertised, I got an email from CSR when I tried to add more money/buy new CD for the last promotion.
Catch: ONLY for NEW MEMEBERS.

Place of the CU, CA : Bay area
Call them for more details

By Sree, at 6:43 PM, August 01, 2007
Chase $100 bonus for checking account when you apply in a branch or online.

By Curtis, at 6:54 PM, August 02, 2007
Embassy Bank (PA) is offering $25 bonus per year for life on checking. $500 min. must be maintained. (credit to eMoneyCentral)

By dana, at 9:21 PM, August 02, 2007
Screwed up the link. Try this... Embassy Bank

By Dana, at 10:09 PM, August 02, 2007
Not really a bank deal, but citi has a new credit card called cashreturns which gives you a solid 5% cash back for the first 3 months but without any limits. Great idea for those interested in buying a car or boat.

By Nabil, at 6:29 PM, August 03, 2007
Power Financial Credit Union has a 6.01 APY checking for balances up to $25,000 and .5% above. Refunds up to $20 in ATM fees.

Requirements for earning dividend and fee refunds include: 12 VISA debit card transactions in statement cycle (ATM withdrawals excluded), accept electronic statement delivery, and three bill payments per statement cycle. APY accurate as of 07/07. Fees may reduce earnings. Membership required; $5 membership fee. Membership open to all residents of Miami-Dade, Broward & Palm Beach Counties as well as friends & family members. Rates and terms

No direct deposit required.

By MK, at 6:04 AM, August 05, 2007
It has been reported that some people are having trouble with Bank of America honoring a 25,000 bonus point offer on one of their recent promos. https://www.blogger.com/comment.g?blogID=11103840&postID=4438246770475222394
I understand that this bank has a reputation of doing this. What recourse do we have if the bank doesn't honor this like they promised?

By Perk Getter, at 2:52 PM, August 05, 2007
Umbrella Bank offers 5.83% for first 3 months:
http://www.umbrellabank.com/per_accounts/per_savings.php

By Anonymous, at 7:26 PM, August 05, 2007
5.75 APY 9 Months CD at Fidelity & Trust bank. You can see a mention of the CD special on their home page at http://fidelityandtrust.com/index.html .

I find their web site is absolutely 'horrid' if one wishes to obtain rate info for their products, forcing you to call a branch for information. It would seem that this bank is intending to service the local Washington DC Metro area. I could not find 800 type phone numbers for service published on the site.

And Banking Guy, although the main office maybe in Maryland, they have personal banking locations in DC (Washington, DC) and now in VA. 'kind of begs the question why there is now-dated entry for this bank in the state grouping for Maryland.

They are also touting a 'new' MoneyMarket offering at 5% APY, but it is a "relationship" rate requiring a checking account as well. Again, critical information about the accounts is 'missing' by design.

And, a continued Thanks to Banking Guy for his excellent site and efforts. Speaking as one who has directly benefited from Banking Guy's information, this is one site where using the "Tip Jar" is easily justified.

Thanks.

By Anonymous, at 10:26 AM, August 06, 2007
Hey Banking Guy,

Thanks again for all your efforts. FNBO Direct e-mailed me because they wanted to make sure of my employment status. Here's the body of the e-mail:

"As part of your initial application, we did not receive information regarding your current employer, occupation or position. In many cases, this is because you have a status of retired, unemployed or self-employed. We are updating our records as part of our on-going due diligence to be compliant with our standards to support the USA Patriot Act.

Please provide us with your previous employer, occupation and position by sending an email with this information to fulfillment@fnbodirect.com. If this information is not received within 30 days, a hold will be placed on your account(s), restricting all deposits and withdrawals to the account(s). Your immediate attention to this matter is appreciated.

If you wish to discuss this further, please send an email to fulfillment@fnbodirect.com or call 877-370-3707. Please reference your FNBO Direct account number displayed at the top of this page when you contact us.

Thank you for choosing FNBO Direct for your Online Savings Account.

FNBO Direct Customer Service"

Something not to worry about too much right?

Thanks again

By Anonymous, at 12:30 PM, August 06, 2007
I was looking for a good bank to rollover an IRA CD account. Thanks for the tip on Westsound Bank. They have the same rate for IRA CD's and a 4 star rating. The other bank I found was Eastside Commercial Bank in Bellevue WA. They have an IRA CD 17 month special at 5.42% APY, but Westsound beats them at 5.50% APY on either their 18 month or 2 year certificate.

By leborland, at 2:11 PM, August 06, 2007
I have been using American Airlines Credit Union for just over a year now . They have consistently offered 5 year CD's at 5.61 APY% ($10,000.00 Min), 4.85% Savings and 2.27% checking for as long as I have been a member. Members must be related to Aircraft/Airline Industry. Thanks Banking Guy

By Claude_&_Gay, at 2:19 PM, August 06, 2007
found a bank in wisconsin with an introductory 6.01 apy interest checking accounts
http://www.wbsavings.com/pages/whatsnew.cfm

By Anonymous, at 3:33 PM, August 06, 2007
BofA came out with $100 opening bonus that everyone can get, even people with no Social Security Number!

link:
http://www.bankofamerica.com/promos/jump/uspsmovers/?adlink=000302072j650000d980

By noSSnumber, at 4:13 PM, August 06, 2007
http://www.bancolovesdreams.com/index.php?/main/p_products_tfc/
There is a $125 offer!
can you confirm this is a FDIC insured one?

By Hongjun, at 5:59 PM, August 06, 2007
SunTrust $50 for checking account
http://www.fatwallet.com/t/52/754841/

By Hongjun, at 9:02 AM, August 07, 2007
SunTrust Bank has an intriguing bonus: a $50 gift card for you or a $100 donation to your favorite charity. All you have to do is open a checking account, accept their visa card and use it once, and tell them which charity gets the money. Here's the link: https://promotion.suntrust.com/mycause/

SunTrust has 3 stars from BankRate and an excellent reputation among mortgage brokers.

By Anonymous, at 9:04 AM, August 07, 2007
http://www.wachovia.com/misc2/0,,1561,00.html

$50 for wachovia checking with direct deposit

By Anonymous, at 5:39 AM, August 08, 2007
Associate bank is offering $150 gift card for Dec 07 promotion for checking account with direct deposit and first check book is free.

By Anonymous, at 7:45 PM, August 08, 2007
Thanks everyone for the comments.

About that Wachovia $50 bonus, it looks like the same one I posted on in this post. Let me know if the terms are easier.

About the Associated Bank $150 bonus, it looks like it may not be too good of a deal. The $150 bonus requires their Platinum Checking which appears to have a $10K minimum balance to avoid fees. Let me know if you see a way to avoid having to keep $10K in this account.

By Banking Guy, at 5:13 PM, August 09, 2007
FNBO Direct Customer Satisfaction Survey.
I received a Customer Satisfaction Survey this morning from FNBO Direct this morning in my email. In addition to the expected questions (i.e. are rates important to you etc...), I left them with the folloing comment:
It seems that your withholding policies are completley at your discretion which is unfair. There have been many reports of you notifying customers that you intend to withhold their funds until you receive some required documentation from them. This seems to be arbitrary and random, and as a result, I've deposited less money into my FNBO accounf for fear that you may decide to target me and hold up my funds for what-ever reason. I think that you need to be more clear on these policies and to administer them evenly. It's unfaiir for you to just pick and choose customers at random threatening to withhold their funds.

By Perk Getter, at 6:15 AM, August 10, 2007
FNBO sent in error a email to every customer today that they put their account on hold due to not supplying employment information.
It took them 45 minutes to pickup the phone. They are flooded with calls. They said "sorry", and that the account is not on hold.

By Anonymous, at 10:59 AM, August 10, 2007
FNBO Direct

I got a 2nd request due diligence notice today saying my funds were on hold despite getting a confirmation receipt earlier in the week acknowledging my response to the initial request.

I hung up after 20 minutes on hold for customer service.

No response to an e-mail I sent asking to be contacted immediately regarding the due diligence process.

I managed to contact a regional branch director at FNBO itself. He got back to me in 10 minutes saying that my funds were not, in fact, on hold.

This is ridiculously incompetent and unprofessional.

To get a note like this while the financial markets are in turmoil is especially distressing.

We should ALL send a message to FNBO Direct saying they should compensate us by extending the 6% APY promotion till the end of 2007.

I told the FNBO manager that if he ever meets his FNBO Direct colleagues, he can tell them that they just blew all the money they spent trying to attract new customers. The only way to salvage the situation and retain customers would be to extend the 6% APY deal.

Saying sorry is nowhere NEAR enough.

By Anonymous, at 11:39 AM, August 10, 2007
Twice I've received an email from FNBO Direct threatening to freeze my account per the Patriot Act for not providing information twice given to them, namely that I'm retired. I phoned them the first time and was told they had the info and everything was ok. Today, 8/10/07, I repeatedly tried to call them and was unable to obtain more than the answering machine. Is FNBO Direct a legitimate business or a sophisticated sham?

By Anonymous, at 11:57 AM, August 10, 2007
http://www.lmcu.org/lending/rates.php

Lake Michigan Credit Union, a large credit union with over $1Billion in deposits has 8 month CDs at 5.4% and 14 month CD's at 5.5%.

A good credit union for people in Western Michigan

By Anonymous, at 2:42 PM, August 10, 2007
For your laugh of the day.

OK, OK, my wife was always ribbing me about the fact I had 10 years worth of retirement income in CDs (the balance in stocks, bonds, real estate, what have you). Good grief, she opined, you could be doing better than 5.75% on that stash of cash.

She's not ribbing me now.

Yours,

Bozo

By Bozo, at 3:22 PM, August 10, 2007
Countrywide Bank has raised the rates on 1-year CDs and on its Moneylink account.

The 1-year CD is 5.50%
and the Moneylink is 5.31% for balances between 10,000 and 50,000. $50,000 and up is still 5.40%

By Anonymous, at 9:26 PM, August 10, 2007
www.triboro-fcu.org I reported on this FCU on 7-21-07.Thanks for giving me credit Bank Guy. They have some new specials on their Share Certificates (CD's) as of Friday 8-10-07. A 21 month CD at 5.60% and a 17 month CD at 5.50% to name a couple. I joined the CU 2 weeks ago and bought the 13 month special CD they were offering.

By Dan The Man, at 2:24 PM, August 11, 2007
Banking Guy -

In your "High Rates with Conditions or Large Balances - Open to All" section, the rates for the State Bank of India need to be modified. According to their New York site at http://statebank.com/cd.asp, the rate for the 1 year 95K and above CD is now 5.35% APY, quite a reduction from the former 5.51%. According to their webpage today at noon ET, the current rates are applicable through 8-14.

Thanks.

By Anonymous, at 9:02 AM, August 12, 2007
Paragon Bank and Trust in Holland MI has a 12 month 5.30% CD. The minimum deposit is 5K.

The special lasts until 8/15/07

Here is a link to the newspaper ad.

The phone number is 616-394-9600.

By Anonymous, at 2:24 PM, August 12, 2007
Whoops, forgot the link to Paragon.

Sorry!

http://shopping.viewmi.com/ROP/ads.aspx?advid=519936&adid=4886934&cat=3389

By Anonymous, at 2:26 PM, August 12, 2007
Here is a hot one: 5% reward checking at Lake Michigan Credit Union.

Typical requirements. The 5% is only on balances up to 15k, for instance.

But this is a great deal for us in Western Michigan that have been looking for a rewards checking.

And they are a large credit union.

Here is the link to the offer.
http://www.lmcu.org/max-checking/max.html

By Mike, at 3:01 PM, August 13, 2007
Foster Bank in (suburb) Chicago has a $100 checking bonus- but you must use a auto payroll deposit (not paypal). http://www.fosterbank.com/ad_free_100.htm

By daysha, at 9:44 AM, August 15, 2007
Parkway branches in suburb Chicago is offering a free airline companion ticket if you open a savings account (min deposit $200) or mm account (min $2500).

http://www.parkwaybank.com

By daysha, at 11:37 AM, August 15, 2007
I just got an email that the interest rate for Zions Bank Deseret Money account has gone up.

http://www.zionsbank.com/deseret.jsp?cid=2816

I didn't see any difference but thought I should share.

By Kevin, at 12:16 PM, August 15, 2007
OPEN TO ANYONE: emarquettebank is offering merchant gift card bonuses for opening their totally free checking (no branch visit required). $25 for opening checking account, $25 for direct deposit (paypal ok), and $50 for signing up for bill pay. Accounts must stay open for 6 months. GC include BP, Home Depot, Best Buy, Red Lobster/O.G., Blockbuster, JC Penney's, Walgreens, Krispy Kreme.

http://www.emarquettebank.com/consumer/images/tfc_flyer_fall_2006.pdf

The ad is from last year but the cs agent still says it's valid.

By daysha, at 12:28 PM, August 15, 2007
the site was cut off on the last post-- cut and paste it back together

http://www.emarquettebank.com/

consumer/images/

tfc_flyer_fall_2006.pdf

By daysha, at 12:31 PM, August 15, 2007
Hello,

Tech CU has a 6% APY promotion.

http://techcu.com/resources/news_events/news/AugCDPromo.htm

- SVG

By SVG, at 3:11 PM, August 15, 2007
Thanks everyone for the comments.

Daysha, I was going to ask about emarquettebank's 2006 date on the promo page, but now I see you've already checked on this. Thanks. I'll post on this tomorrow.

By Banking Guy, at 5:35 PM, August 15, 2007
Re: UmbrellaBank Green Day

CSR told me that you have up to 60 days from the day you apply to fund the account.

So you could apply for the account today, and still get 90 days at 6%APY starting at the end of September when the FNBO deal expires.

By Anonymous, at 2:12 PM, August 16, 2007
Apple Bank just upped the rate on their 12-month CD, now 5.37% APY. This is the bank that has the Grand Yield Direct savings account, which is at 5.27% APY.

By Anonymous, at 7:02 PM, August 16, 2007
Countrywide Bank:
Savingslink up to 5.50% for balances $10,000 to $2.5 million.

12 month CD 5.65%
3,6,9 month CD 5.50%

By Anonymous, at 11:38 PM, August 16, 2007
FNBO's woes continue. If you try and move money out of the account they wait 24 hours and then send you an e-mail saying that they tried to call you (they didn't) and that since they were unable to reach you they must see copies of the linked account's statements etc.....

In other words, you may not get your money out. I am a little worried.

By Craig, at 10:03 AM, August 17, 2007
Do you know how one can find out why Mutual bank went from a four star rating to two stars?

By Anonymous, at 1:11 PM, August 17, 2007
How can one transfer monies between two FNBO accounts? Does it take as long as transfer to an external account. I am thinking of re-distrbuting the monies to bring my one account balance under the FDIC limits (the second one has very little money).

By Anonymous, at 1:55 PM, August 17, 2007
I noticed that National Bank of Kansas City (www.bankofkc.com)has raised all of their CD's ranging from 3-60 months back to 5.50%. They had these same rates a couple of months ago before they were lowered.No ACH available. Funding by mail, wire or in person

By Dan The Man, at 8:06 PM, August 17, 2007
Chase is offering 5.45% 7 Month CD. $10,000 min.

By Anonymous, at 12:17 PM, August 19, 2007
Key Direct has upped it's Signature Money Market APY to 5.35.

By Anonymous, at 10:18 AM, August 20, 2007
Zion Deseret Money Market account interest rates have gone DOWN. For
$1,000-$49,999.99 it is now 4.98% versus 5.30%. Still higher than my previous bank, ING, at 4.50%. But makes the switch less attractive.

By Anonymous, at 4:34 AM, August 22, 2007
Oregon's On Point CCU offers 12-mo APY 6% with 5K new money and a new or existing ckg acct w/direct deposit. Without direct deposit, APY 5.75%. Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill counties. www.onpointcu.com; 541-868-2800. There have been several ads in local newspapers. NCUA insured.

By Anonymous, at 11:51 AM, August 22, 2007
Thanks everyone for the comments.

About the Zions Deseret Money Market, are you sure you're not looking at the Internet MMA? I'm still seeing 5.30%/5.36% at their website. I have the Deseret links in this post.

Thanks for the info on OnPoint CU. Looks like it was left off my weekly summary due to a format issue. Please refer to this post for more info on this deal.

By Banking Guy, at 2:11 PM, August 22, 2007
6.01% checking in Louisiana on balances under $25K. (1.01% for balances over)

Requires branch visit

http://www.oibank.com/

Cycle requirements:
12 checkcard transactions
1 direct deposit
Receive electronic statement

By Anonymous, at 5:54 PM, August 22, 2007
Washington Mutual has a 5.45% 8 month add on CD in the New York area.

By Anonymous, at 6:21 PM, August 22, 2007
www.netbank.com/drugstore

12 month CD - 5.4% APY + $100 bonus for a $15,000 deposit. Yield becomes approximately 6.07% APR with the bonus.

Beats Countrywide!!

By Anonymous, at 6:45 PM, August 22, 2007
Fideity & Trust Bank is offering 9m CD 5.75% APY

1725 I street NW, Washington DC 20006
202-292-1600

By satish, at 7:32 PM, August 22, 2007
https://www.sterlingsavingsbank.com/personal_banking/personal_home.aspx

Sterling is offering to add $101 to any new Perfect Fit Checking account you open by October 31, 2007. To get your $101, all you need to do is simply try three of Sterling’s convenient checking services:

Free Check Card
Free Direct Deposit
1-2-Free Bill Pay2
Free Online Statements

They have branches in most of the western states: AZ, CA, CO, ID, MT, NV, OR, UT, WA.

By KS, at 7:56 PM, August 22, 2007
chase has 5.45% cd for 7 months . check chase.com under cd rates

By Anonymous, at 4:51 AM, August 23, 2007
not a bank deal but chk Ford Motor Credit. pays 6% mny mrkt over $50k. loans for dealers. sadly, not insd. been good for a few yrs.

By Anonymous, at 8:45 AM, August 23, 2007
In the L.A. Times today and at its website, Countrywide Bank is offering a 12-month CD at %5.65 on balances over $10,000.

By Anonymous, at 11:09 AM, August 23, 2007
Access National Bank has some decent CD rates. Their website is http://www.accessnationalbank.com. I bank with them via a branch (which are all located in Northern Virginia) but it appears that the CDs can be opened and funded online, and they do accept CDs from anywhere. (They limit checking accounts to DC, MD, VA residents, but the checking accounts are nothing special anyway.)

All of these have a minimum 10K deposit, and are available as personal, business, or IRA accounts.

Term Yield Rate
4 Month 5.10 4.975
9 Month 5.35 5.213
14 Month 5.30 5.165
23 Month 5.35 5.213
37 Month 5.30 5.165
4 Year 5.30 5.165
5 Year 5.40 5.260
6 Year 5.40 5.260
7 Year 5.40 5.260

By Anonymous, at 9:04 PM, August 23, 2007
If someone can post a comment about the meaning of Mutual Bank going from a four star to a two star rating by bankrate, I would really appreciate it.
S

By Anonymous, at 9:26 AM, August 26, 2007
Regarding Mutual Savings, the downgrade, appears to be in regards to their real estate loan portfolio & expansion. My view, from what I reviewed. Just need to stay within the FDIC limits. From what I've experienced, helpful and friendly staff. The special rates have been good, plus only 90 day penalties.

By Anonymous, at 2:54 PM, August 26, 2007
http://bankrate.com/brm/safesound/ss_home.asp This is the link to everything you want to know about Safe and Sound ratings

By Dan The Man, at 7:40 AM, August 27, 2007
I don't know if this will stop me from hating FNBO direct, but I just got an email from them mentioning that they will start offering a cash back credit card which deposits your rewards into your fnbodirect account. This might be a good thing if they over 1.5% back on all purchases and don't drop their rate that much.

By Nabil, at 5:22 AM, August 28, 2007
eBank raised CD rates today:

3-month
5.02%
5.15%

6-month
5.21%
5.35%

1-year
5.21%
5.35%

18-month
5.02%
5.15%

Minimum $1000

By Anonymous, at 10:01 AM, August 28, 2007
Just to let you know National Bank of KC will be reducing CD rates on 08/29/2007. The 5.5%APY will no longer be available

By Anonymous, at 10:42 AM, August 28, 2007
Hey Guys,
Just a quick update on Indymac Bank. They have a new internet special for a 4 month CD at 5.75%.

Here's the URL hyperlink for it:
http://www.indymacbank.com/Individuals/Banking/page.asp?pSection=pd4MonCDRate

Later,
Mike

By Anonymous, at 1:19 PM, August 28, 2007
Adding to the eBank post above, you can add .25% to each rate if you have an ePremium checking account.

By Anonymous, at 6:47 PM, August 28, 2007
University Federal Credit Union (ufcu.org) is giving away "$20 cash" for opening up a checking account at their Guadalupe branch in Austin. I am curious if they report this on a 1099-INT. Anyways, it beats the stupid shuffle they were giving away last semester.

By Anonymous, at 12:18 PM, August 29, 2007
CU of Georgia has lowered their rates.

WAS NOW
5.55% APY 6-mo CD, 5.44%
5.67% APY 12-mo CD 5.55%
5.76% APY 36-mo CD 5.64%
5.86% APY 60-mo CD 5.75%

By Anonymous, at 7:02 AM, August 30, 2007
New Wachovia Branch in San Francisco at Battery and California has 7 mo CD at 5.66% with extra 10 bps for opening (or having an existing) checking account. Opening checking account with min $500 gets you $75 more, direct deposit, another $50. Greater than 10k and you get some "Crown Checking" with a bunch of free stuff, including atm refunds. 5k min on CD. Staff very knowledgeable and friendly. Offer good till 9/21. Signs on branch advertise this and can be found in Monday 8/27 SF Examiner, page 6. http://sfpaper.examiner.com/edition/san_francisco/?haspdf=1

By Marc Schoenfeld, at 3:51 PM, August 30, 2007
E-Loan has started a 3 month 5.55% CD. It has a $10,000 minimum.

By Anonymous, at 6:52 PM, August 30, 2007
etrade checking max-rate is now 4%

By ShraZZy, at 12:55 AM, August 31, 2007
Franklin Mint Federal Credit Union (PA) is offering 7% on the first $500 in a "Supersaver Savings Account." (2% after the first $500)

http://www.fmfcu.org/accounts/supersaver.htm

By Anonymous, at 4:29 AM, August 31, 2007
TechCU (California) is offering promotional CD for 6% APY (6 month; $10K min). Here is the link
http://www.techcu.com/resources/
news_events/news/AugCDPromo.htm

By Anonymous, at 12:33 PM, August 31, 2007
Thanks everyone for the comments.

About E-LOAN's new 3-month CD, please refer to this post.

About Tech CU's 6% CD, please refer to this post.

Remember to check my weekly summary for deals that have been previously posted.

By Banking Guy, at 4:09 PM, August 31, 2007
Umbrella bank promo is down to 5.35%
http://www.umbrellabank.com/promotions/0807/

By Anonymous, at 7:13 AM, September 01, 2007
7.30% for 12 month Promo CD (with open and active Cheking account)- $500 min.- Flagstar Bank, Atlanta, GA

By Anonymous, at 9:22 AM, September 01, 2007
some has posted south jersey credit union is paying 6% for 9 month cd , is credit union safe? what about the mortgage problems?has anyone ever haad cds with sjcu?

please comments?

By Anonymous, at 4:57 AM, September 02, 2007
Re: Zions Bank Deseret.
Balance is rates on the web. So, over 50k and 100k are the higher rates.

Up to-$999.99
.00

$1,000-$49,999.99
4.98

$50,000-$99,999.99
5.08

$100,000-$249,999.99
5.14

$250,000+
5.19

EM

By Anonymous, at 1:18 PM, September 02, 2007
Thanks everyone for the comments.

About UmbrellaBank's promo rate reduction, please refer to my latest UmbrellaBank post.

About South Jersey FCU and its 6% 9-month CD, here's the link to my post. At the bottom of this post, I include a link to the NCUA page where you can confirm its federal insurance and review its financials.

About Zions Deseret MMA, please refer to my latest Zions post. Note, there has been lots of confusion between Zions' Deseret vs. Internet MMA.

By Banking Guy, at 1:40 PM, September 02, 2007
USA Federal Credit Union is offering 7% APY 7 month share certificates ($7,000 max) on 9/8 at the Escondido branch, 9/22 at the Eastlake branch and 9/29 at the Lake Elsinore branch.

By Anonymous, at 10:15 PM, September 03, 2007
Tempe Schools Credit Union 5.25(5.50 IRA) APY CD 6mo-5years no limit

http://www.tscu.org/

http://www.tscu.org/shareRatesCertificate.html

By Michael, at 8:59 AM, September 04, 2007
If you need any virtual bank referral bonuses you can send me an email via nativeapache@gmail.com. I still have a bunch left and am wiling to pay an extra $5 via Paypal. Remember you must open the account with at least $100.00 to qualify for the bonus. Thanks.

By Jeremiah, at 8:10 PM, September 04, 2007
Citibank has been offering 5.35% APY for a 7-month CD in its Connecticut and Massachusetts marketplace as part of promoting the new branches they've been opening in the Boston area. I renewed a CD over the phone a few weeks ago and was offered the promotional rate as well. It's not quite as good as the 5.50% APY they were offering back in May, but still fairly competitive.

By Anonymous, at 1:23 PM, September 05, 2007
Tech CU - techcu.com
San Jose/San Mateo/SF area - had a sticker advertisement on the front of SJ Mercury for a 6% - 6 month - $10k min CD.

By Anonymous, at 8:39 PM, September 05, 2007
ING Direct is now offering "Value Added" CDs that are .1% higher than their normal CDs. There's are 9 and 12 month CDs available with a 5.25% APR. The $1 minimum still applies (I just opened one for $26). The only catch is that the funds have to be new money transferred in from your linked external bank account. When the CD is opened, simply select that accound as the source of funding. For many of us, this won't be a problem since we've done it several times in the past. It also encourages one to leave more in their Savings or Electric Orange account and or put more into Roth / IRA funds.

By Scott, at 5:56 AM, September 06, 2007
Looks like that 12 month 5.75% CD at Countrywide is now available to everyone. I just saw it listed under the internet rates and the branch rates (without entering a CA zip code).

By Anonymous, at 9:00 AM, September 06, 2007
ottGood local deal for people in Georgia. integrity bank Has 6 Month CD at 5.85% APY, and 12 Month 5.75%. $1k min to open
http://www.myintegritybank.com/rates.html

By scott, at 9:26 AM, September 06, 2007
Regarding the above Countrywide post--my bad. The 5.75% is for balances above $250K. Sorry...

By Anonymous, at 11:29 AM, September 06, 2007
metroplitan national bank has $200 bonus for new checking with dd,
see http://www.metropolitannationalbank.com/Default.asp for details.

By Anonymous, at 8:11 PM, September 06, 2007
Imperial Capital Bank deal for San Francisco branch. A lot of hoops, but might be worth the hassle if one has time to kill (I work across the street so I might do it.) I went a few months ago with someone to open a CD there and they seemed very nice.

http://www.bonusmoneychecking.com/sf/accountdetails.htm

By Marc Schoenfeld, at 8:42 PM, September 06, 2007
In preparing to transfer money from FNBO to Umbrella I found out that FNBO will only wire money to the account from which the money originally came.

"Please be advised per the disclosures of the account, requested transfer of funds must be wired back to a funding account where the funds originated from.

If you have any additional questions, please visit our FAQ’s at www.fnbodirect.com, or send us an e-mail."

Is this common practice? I've never run across it before.

By Anonymous, at 12:03 PM, September 07, 2007
Bank of America Affinity product: Defenders of Wildlife (from FatWallet) MMA 5.71% APY 50k+. Membership tiered $25 min. On BOA site under MyExpression Banking Link, then Charitable Causes, then Defenders of Wildlife. Click to #2 on Savings link. $2500 min to avoid $12 monthly fee. Defends Membership signup at defenders.org.

By Anonymous, at 12:30 PM, September 07, 2007
Vantus Bank is offering a 8.5% APY 7-month CD beginning 9-10-07. Min $250. Max $1000. www.vantusbank.com; 1-800-352-4620

By Anonymous, at 6:12 AM, September 08, 2007
Vince said...that Bank of America Money Market Savings Account is NOT FDIC insured. I don't care what apy they are giving. It is not worth it especially the condition this Bank is in.

By Anonymous, at 9:50 AM, September 08, 2007
Who is Vince? I find it real hard to beleive that a MM account at BOA is not fdic insured...below is my experience with the change;

This is incredible for BOA! I have been a BOA client for years and while I love thier bill pay and other net offerings they have never been known for great MM rates...I just spent a decent amount of time on the phone..the first couple of guys had no idea what I was talking about...and lost connecton...finally got to thier affinity department 800-653-7930 and they were very helpful...these charitable accounts are holdovers from the MBNA buyout and BOA kinda keeps them quiet as they don't want a lot of BOA clients moving from 3% to 5% interest rates..I asked if this was a teaser and the fellow said no and that it has been over 5% for a while...he switched me over and was very pleasent

By djc314, at 11:32 AM, September 08, 2007
USA Fed,Ca. besides offering --7-7-7 account 7mts-7%-7000Max they also
give a 100 bonus for money market account--1-day only specific locations.

By Anonymous, at 1:48 PM, September 08, 2007
Vince said....sorry if I am misleading anyone. I called BOA 3 times and got different answers each time..1st was NO, not FDIC and she seemed quite reliable..2nd was yes, FDIC...3rd was I don't think so, FDIC. BOA needs to do a better job of training their reps. I did not feel confident in opening this MM Savings. If anyone knows for sure if it is FDIC please post.

By Anonymous, at 9:14 AM, September 09, 2007
Yardville National Bank, YNB, is offering a 1 year CD at 10% APY from Sep 10 - Sep 20 at its new Cranbury, NJ branch.

"The minimum and maximum amount to open the account and earn this APY is $1000"
"Available only to individuals residing in the following zip codes: 08512, 08520, 08536, 08810, 08852."

By Anonymous, at 2:46 PM, September 10, 2007
Re: Imperial Capital Bank. $150 Easy Money Checking offer also valid in Costa Mesa, CA. (newspaper print ad: Orange County (Santa Ana) Register (reference only) (Sun, Sep 09, 2007) Marketplace pg 9; tel 888-886-0878) Offer details (already mentioned by BG) appear to be the same. No requirement mentioned that print ad must be brought in. Sign-up can be done online (imperialcapitalbank.com) as well, but I have not investigated on how to set the account up to receive the offer. FYI: 'EMC' offer not mentioned online (@ icbDOTcom).

By Anonymous, at 3:27 PM, September 10, 2007
I think you have a great site but I would like to make one suggestion. Since most of your audience often does not live near the "branch only" deals perhaps up front you could mention that this deal is not available by an internet application.

By Patrick, at 8:17 AM, September 11, 2007
ebank ePremium checking interest rate remains at 5% for those who previously had this rate, despite the fact that their website indicates that they are paying 3% interest. I confirmed this with a CSR today.

Don

By Anonymous, at 11:10 AM, September 11, 2007
Citi Bank Ultimate Money Market now 5.10%. I believe that's up 10 points. It must be opened on line and linked to a Citi checking account. You must also make two electronic payments per month from your checking account.

By Anonymous, at 12:27 PM, September 11, 2007
I'm not sure if you mentioned this one yet but SunTrust Bank is giving away $50 if you open a personal/business account OR they will donate $100 to your favorite charity. More info can be found here, https://promotion.suntrust.com/mycause/

Thanks!
Tom @ gotalkmoney.com

By Tom, at 1:33 PM, September 11, 2007
Mutual Bank’s Houston office is offering a 5.85% apy, 2-year CD. This is not posted on the bank’s website (mutualbanking.com/), but I just got one. This rate is only at the Houston office. I spoke to CSR Dan (630-409-2905).

By Don, at 5:57 AM, September 12, 2007
Don, Thanks for the Mutual Bank info. Did you have a large deposit? I was told that customers with large deposits may be able to get higher than the 5.65% APY. But it may require some negotiating.

By Banking Guy, at 8:40 AM, September 12, 2007
Warning about DISCOVER BANK'S online bank. I recently opened an account with Discover Bank's online bank account. Unfortunately, my experience with them was horrible. They have no bank to checking account transfer capability. So for deposits and withdrawals you have to mail them a check and senD out a withdrawal slip respectively. For an online bank that really sucks. Also if you want to close the account within 90 days they charge you $20 dollars. Additionally, in order to close the account you have to fax them a letter. I had to actually call them twice because initially they didn't even close the account after they received the fax. They gave me some lame excuse that they were backlogged. If you want a really convenient online banking site please take my advice: DON'T SIGN UP WITH DISCOVER BANK.

By Craig L. McMillon, at 10:54 AM, September 12, 2007
SACU (San Antonio Credit Union) now has a rewards checking account, "mY generation checking" (http://www.sacu.com/share/mYgen.asp).

6.01% APY on balances up to $25,000, if, during month:
* Make at least 12 debit card transactions
* Receive an e-Statement
* Have direct deposit or one ACH Auto Debit
* Access SACU Online Anytime

Includes ATM fee refunds up to $25 per statement cycle.

By Anonymous, at 9:29 PM, September 12, 2007
Delta Community Credit Union has a great rate of 5.65% (APY) on 5 year CD. Membership open to Metro Atlanta residents.
https://www.deltacommunitycu.com/Personal/products/dividends.asp

By Anonymous, at 4:37 AM, September 13, 2007
I recently came across this free checking deal. The bank will give you $50.00 to open a free checking account (breakfree checking)and set up direct deposit. They will also give existing customers $50.00 for referring a friend. The deals are offered at several bank in New England. Looks like they are all part of a reginal regional banking company who owns several banks. I'm providing the link to the page that lists the 5 banks. All but Chittenden in Burlington Vermont look to be offering the same deal. If you live in New England it's worth a look. http://www.chittendencorp.com/breakfree/

By Anonymous, at 9:46 AM, September 14, 2007
BOA is offering a 4-month, 5.45% APY internet-only CD: http://www.bankofamerica.com/deposits/checksave/index.cfm?template=cd_10

$5k minimum.

By Anonymous, at 11:58 AM, September 14, 2007
While they may not be the top of the list, BECU has bumped its CD yields:
5.01 APY for 6 months
5.31 APY for 12 months.

By Dan, at 2:20 PM, September 14, 2007
Here's the link:
http://www.becu.org/default.asp?pid=ratetables

By dan, at 2:22 PM, September 14, 2007
Heritage State Bank (Missouri) with branches in the cities of Lamar, Nevada, Sheldon, & El Dorado is offering a rewards checking which earns 6.01% on up to $25k if the following requirements are met. Those being 10 signature-based debit card transactions, e-statements with valid email address, & direct deposit or ACH auto debit or Bill Pay transaction. ATM fees refunded.
http://www.heritagestatebank.com/services_elitechecking.htm

By Anonymous, at 8:57 AM, September 16, 2007
San Francisco Federal Credit Union is offering a 6-7% 5 month CD to new members and members who refer others. This is only good this month (Sept. 2007), and is limited to $500-$5000 per CD. Each referral can get you another CD.

You have to be a member. To join, you have to live, work, or worship in San Francisco and open a savings account with $5, and pay a $5 membership fee as well.

To get the 7% rate, you have to be a new member, and take out a car loan, fund a $500 checking account, or open a money market account. Their interest rates are low, so the best option seems to open the $500 checking account. The extra 1% in interest on a $5,000 CD more than makes up for lost interest on the $500.

By Anonymous, at 11:16 AM, September 16, 2007
I just visited www.amtrustdirect.com and noticed that there e-money market acct. is 6.76% APY. Last time I looked it was only 5.31%. They must have just started the higher rate today

By Dan The Man, at 9:40 AM, September 17, 2007
Dan-the-Man, didn't you know this rate was to good to be true. I just called to confirm the rate and was told it was a mistake. The true yield is still 5.31%. :(
Anyway, i was ready to withdraw the money i put in BofA last week which is still 5.71% yield on $50K. But that was great for a few minutes.

By Anonymous, at 10:11 AM, September 17, 2007
**********FALSE ALARM***********
Just called amtrust and they told me it was a mistake.Yeah, I figured it was to good to be true. Why did you call?

By Dan The Man, at 10:15 AM, September 17, 2007
Denver Community Credit Union has some pretty decent CD rates, esp. for larger balances.

On a 36 to 47 month CD, APY 5.2% but 5.46% for greater than 50K.

On a 48 to 59 month CD, APY 5.25% or 5.52% for greater than 50K.

On a 60 month CD, 5.35% or 5.61% for >50K.

Plus, the lower rates only require $100 minimum deposit and aren't that bad - certainly higher than some you have listed already.

See: http://www.denvercommunity.coop/DCFCU_rates_savings.html

By Anonymous, at 11:43 AM, September 17, 2007
I opened a BoA MM account several days ago.
Today, I was going to transfer a large summ of cash and found a couple of gotchas.
1) There is a $3 fee for outbound transfers to other financial institutions

2) You are limited to $3k per transfer and there is a monthly limit of $6k as I understand it.

I cancelled my account!

By Anonymous, at 3:14 PM, September 17, 2007
The Development Corporation for Israel is offering Floating Rate LIBOR bonds in US dollars at rates up to 5.5625%. These are backed by the full faith and credit of the Government of Israel which has maintained a perfect repayment record.

By Anonymous, at 10:36 PM, September 17, 2007
M&T Bank is offering a $100 cash bonus per M&T Direct Checking, M&T Classic Checking With Interest, M&T Select® or M&T Select® With Interest account - offer only available for new personal accounts opened on or after 9/1/07 in Maryland, Virginia, West Virginia, Delaware or the District of Columbia http://www.mandtbankmarketing.com/builtforbaltimore/checking.html

By Anonymous, at 9:52 AM, September 18, 2007
I hope some one else can check the below information this person received as we have had so much misinformation from BOA reps on the affinity account.

I opened a BoA MM account several days ago.
Today, I was going to transfer a large summ of cash and found a couple of gotchas.
1) There is a $3 fee for outbound transfers to other financial institutions

2) You are limited to $3k per transfer and there is a monthly limit of $6k as I understand it.

I cancelled my account!

By djc314, at 11:03 AM, September 19, 2007
Air Force Federal Credit Union, membership restrictions, 100k 5.6%/5.75%apy for 5year and 3year cds, 100k 5.5%/5.65%apy for 2year cd, 100k 5.41%/5.55%apy for 1year cd, and finally $1000 min to open 5.36%/5.5% ADD ON 9 month CD. www.Airforcefcu.com.

By emory1978, at 7:43 PM, September 19, 2007
Banking Guy, sorry for the AFFCU post. I just realized you have most of these cds on the 9/15 summary.

By emory1978, at 10:41 PM, September 19, 2007
RateEdge.com has lowered it's rate from 5.50% to 5.25%. Still not too bad considering the Fed rate drop of 1/2%

By Anonymous, at 9:23 AM, September 20, 2007
Apple Bank has lowered the rate on their Grand Yield Direct account to 5.15% as of today

By Anonymous, at 12:10 PM, September 20, 2007
GMAC dropped their MM rate to 4.9%...

By Anonymous, at 2:56 PM, September 20, 2007
I found out today that E-LOAN has some incentives for customers with CDs up for renewal: if you use promo code cdrenew10 on renewals of 6, 12 or 18 months they will add .10% to the renewal rate. Or, go longer with CDs of 2-5 years, use promo code cdrenew15 and get .15% added to the rate.

By Anonymous, at 9:56 PM, September 20, 2007
Re: GMAC Bank. As of 9/21/07 1:30 am Central time, I'm still seeing 5.3% APY for their money market rate on balances above $500. I'm not sure what time overnight they reset their rates.
I did notice that they changed the layout of their homepage some on Thursday the 20th.

By Perturbance, at 11:32 PM, September 20, 2007
About 5:00 am Central Time, GMAC changed its money market rate to 4.9%.

Countrywide Bank has also posted this week's rates and there is no change in the Savingslink account.

By Anonymous, at 3:37 AM, September 21, 2007
Not a deal, but curious if anybody has investigated Capital One's Rewards Savings account... 4.66% with No Hassle Miles seems interesting, although I have no personal experience with their miles. Searched the site looking for a review of some sort, but I'm guessing it's just so new it hasn't gotten a lot of coverage.

Thoughts?

By Ben, at 10:18 PM, September 21, 2007
Citizens Bank in Westchester County located at Stop'n'Shop in Somers, NY is offering 5.5% APY CD's through 9/29/07.

EF

By Anonymous, at 2:37 AM, September 22, 2007
My Wachovia rep in FL called me today to tell me about some rates for some new money I brought over. They are offering 5.25 APY for 12 months and 5.41 APY for 6 months.

By Cyclone, at 5:07 AM, September 22, 2007
Saw the post regarding Milaca National Bank cd for 5.6% and jumped on it........thanks Banking Guy!

By Anonymous, at 9:58 AM, September 22, 2007
Getting Ahead Association, which anyone can join, qualifies you for membership in 7 Georgia credit unions. http://www.gettingaheadassoc.org/About_Us_10.html

Notable rates:

MembersFirst (Georgia) 55Plus CD (over 55 yrs old) earns
5.6% for 12, 24 or 36 mos.
It earns 5.75% for 48 or 60 mos.

Delta Community CU cd earns
5.40% 36 mos.
5.65% 60 mos.

CU of GA cd earns
5.48% 12 mos.
5.48% 24 mos.
5.54% 36 mos.
5.59% 48 mos.
5.64% 60 mos.

By Anonymous, at 8:37 AM, September 24, 2007
First Security (San Antonio, Texas) today advertised a 5.86% APY 6 month CD special (FDIC-Insured Bank CD). Telephone (210) 822-2467. I tried to call but their voice message answered to request your contact info so a rep could call you back (due to high volume in response to this ad).

Source:
24 Sept 2007 San Antonio Express News

By Pamala Farris, at 1:10 PM, September 24, 2007
I am in Birmingham of Alabama, actually what I am posting is not a good deal anymore since last week.
The Compass Bank is providing a money market account of 4.5% APY (5.0% APY previously). Effective with money between 10k and 1000k dollars only. This rate is not the same with that shown on the website, but other rules and fees can apply.

Phone: (205) 297-3394
or 1-800-239-4357
http://www.compassbank.com/personal/savings/preferred.cfm

Can someone share good deals in Birmingham of Alabama? Thanks.

By Anonymous, at 3:10 PM, September 24, 2007
Navy FCU dropped their longest share certificate rate from 5.60 to 5.30 this am.
Lockheed FCU is still offering a 24 mo. share cert. at 5.46 and with platinum status ($100M) got an additional .15 for a 5.61 for 2 years.
Anyone can join.

By Anonymous, at 3:20 PM, September 24, 2007
Can someone give me the web sites for that Members First CU in Georgia and that First Security Bank in Texas?
Thanks. I would appreciate it.

By Anonymous, at 3:35 PM, September 24, 2007
6% Reward checking in Michigan.

http://www.nuunion.org/products-services/SoSMARTChecking.php

15 debit card transactions/cycle.
1 direct deposit or ACh/cycle.
E-statements.

No min/25Kmax
$25 in ATM rebates per month.
Member of Co-Op network.

Also very easy for someone in Michigan to join:

All persons living, working, attending school, or worshiping in the counties of Allegan, Barry, Calhoun, Clare, Clinton, Eaton, Genesee, Gladwin, Gratiot, Ingham, Ionia, Isabella, Jackson, Kalamazoo, Kent, Livingston, Mecosta, Midland, Missaukee, Montcalm, Muskegon, Osceola, Ottawa, Roscommon, Saginaw, Shiawassee, VanBuren, and Washtenaw, Michigan.

By Mike, at 3:52 PM, September 24, 2007
Thanks for the info on the Getting Ahead Association. Not sure if the MembersFirst CU FOM page is out-of-date, but it doesn't list this association.

I already list those other two credit unions in my weekly summaries. Please see 60-month CD list.

About First Security, I have a feeling this is a financial services business and not a bank. I think they might serve as a middle-man between you and the bank. Here's one example of such a service.

By Banking Guy, at 5:27 PM, September 24, 2007
Tooele Federal Credit Union has 5.45 on 15 month. http://tfcu.net/rates/certificates.php

By Anonymous, at 9:14 PM, September 24, 2007
HSBC $75 bonus when you open an
Interest Checking Account
with a $3000 NEW MONEY by 10/31/2007.
link:

https://www.us.hsbc.com/1/2/3/personal/checking/dual-checking

By Anonymous, at 2:34 AM, September 25, 2007
9/24/07 New York Times ad for ING's Orange savings account offered a $50 bonus for opening a new account with only $250 initial deposit. Offer expires 9/30. You'll also need the reference code - NY3 - to get going. Here's the link:

http://www.ingdirect.com/nyt/

I believe their rate is only 4.5% now, so this is not something you'll want to keep for long. But $50 works out to a whopping 20% yield on $250.

By Anonymous, at 9:08 AM, September 25, 2007
Community America Credit Union is offering a 6% Savings Account. The details are too numerous to summarize but here is the link to the page the shows more information:

http://cacu.com/personal/join/promotions/SixPercent.aspx

By djc314, at 11:48 AM, September 25, 2007
Sorry link did not copy well here it is again:

http://cacu.com/personal/join/promotions/SixPercent.aspx

By djc314, at 11:50 AM, September 25, 2007
damn it did it again....not sure why it will not copy the entire link but if you add a . and then aspx link will work

By djc314, at 11:52 AM, September 25, 2007
Wachovia is offering a 5.41 APY 6 month CD in New Jersey

By Anonymous, at 12:34 PM, September 25, 2007
Hey Guys,
Just quickly letting you know that Wachovia Bank in South florida has an excellent deal on a 6 mos CD/IRA for 5.41 APY. It requires $5000.00 minimum and you must open a checking acct which the cust svc reps says only requires $100.00. You have to act fast because the deal expires on 9/29/07. Good luck to those who can benefit by it.

Mike

By Anonymous, at 12:56 PM, September 25, 2007
What is the deal with Millenium Bank? www.mlnbank.com I saw an ad on THIS website for as high as 8.75%.

OK, this bank is in St. Vincent and the Grenadines (Carribean), and they don't offer FDIC. They are a subsidary of a Swiss bank.

But, has anyone dealt with these guys? Either here, or in Switzerland? I'm game for overseas banks, as long as they have a very long standing, solid reputation.

By Anonymous, at 7:56 PM, September 25, 2007
I just got an email from FNBO direct stating their online savings rate from 9/29/07 will be 5.05%. Since lots of people have been waiting to see what this rate will be, I thought this info might be helpful.

By Anonymous, at 10:20 AM, September 26, 2007
MCAS Beaufort FCU today discontinued the 6.00% 15-month CD special they've been running for some time.

tuphat

By Anonymous, at 11:43 AM, September 26, 2007
http://www.gettingaheadassoc.org/About_Us_10.html

Members in the GettingAhead Association are eligible to join:

Gwinnett Federal Credit Union http://www.gwinnettfcu.org/products/rates.html,

Credit Union of Georgia http://cuofga.org/products/rates/share.html

MembersFirst CU http://www.membersfirstga.com/asp/rates.asp

Delta Community Credit Union https://www.deltacommunitycu.com/Personal/products/dividends.asp

CORE Credit Union http://www.corecreditunion.com/rates.htm

Georgia Telco Credit Union now Georgia's Own CU http://gtacu.org/cds_rates.html

and
Georgia Federal Credit Union http://www.gfcuonline.org/Savingsaccounts.asp

By Anonymous, at 11:48 AM, September 26, 2007
Just got an e-mail from Countrywide.

SavingsLink now allows 5 external account links and hold time has been lowered from 10 to 5 days.

By Anonymous, at 12:17 PM, September 26, 2007
New FNBO Direct ExtraEarningsSM Visa®

7.99 APR* fixed on purchases and balance transfers.

Earn cash back faster with 2% back for the first 12 billing cycles and 1% back after that directly deposited into your FNBO Direct Online Savings Account.†
Redeem your cash back by requesting a $25 deposit into your FNBO Direct account for every $2,500 in purchases on the card.†

By Anonymous, at 1:18 PM, September 26, 2007
Both my friend and I have accounts with HSBC Direct. I have not received any notice yet from HSBC, but my friend says that she got an email indicating that the rate has now fallen to 4.50%. This is confirmed by looking at the http://www.hsbcdirect.com website.

-mct

By Anonymous, at 5:08 PM, September 26, 2007
This also seems like good option:
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=529326&start=0

check the wiki

Fidelity MMA
~5% APY, BUT (State) Tax Free

By Anonymous, at 1:44 AM, September 27, 2007
I have a checking account with SalemFiveDirect. According to their webpage this morning, their rates have fallen to:
$0-$9,999 4.70%
$10,000-$24,999 4.80%
$25,000-$99,999 4.90%
$100,000-$999,999 5.10% *
$1,000,000 or more 0.50%

The fine print says that "The stated APY applies to new eOne accounts opened after 9/24/2007." I've emailed them to see how accounts opened before 9/24 are affected, but I'll bet that the lower APR applies across the board.

By virgquest, at 9:34 AM, September 27, 2007
I just called Salem Five and the new rates affect all eOne accounts.

By Anonymous, at 11:28 AM, September 27, 2007
It's official. Emigrant is now 4.75% a 30-point drop.

By ShraZZy, at 11:42 PM, September 27, 2007
igobanking.com now down to 5.17% (was 5.30%)

By Anonymous, at 4:45 AM, September 28, 2007
FW member mh83 posted a deal starting 9/29... 7-month CD effective yield 9.36%... !!!WOW!!! membership to Maryland credit union required...

http://www.fatwallet.com/t/52/768333/

By Anonymous, at 7:23 AM, September 28, 2007
Can you or someone share your thoughts on American Share Insurance?
Consumers Cooperative has a 5.65 20 month CD, but is not NCUA insured. I have had 2 CD's there for 5 years with good service and no problems, but never really understood the risk associated with American Share. I know it's a form of private insurance.

By sreins, at 9:21 AM, September 28, 2007
Bank of America's AAA Money Market rates went down today....
5.16% APR for over $50K (it used to be 5.30%)

It was bound to happen!

By Anonymous, at 12:50 PM, September 28, 2007
Netbank is no more. According to their website (http://www.netbank.com/) the Fed has closed them down.

By Steve, at 1:29 PM, September 28, 2007
Looks like ING Direct is taking over the Netbank accounts

http://www.fdic.gov/bank/individual/failed/netbank.html

By Steve, at 1:33 PM, September 28, 2007
This post has been removed by the author.

By ProfessorB, at 2:05 PM, September 28, 2007
FDIC took over NetBank and transferred the money to ING.

http://www.fdic.gov/bank/individual/failed/NetBankQandA.html#Customer%20Impact

By ProfessorB, at 2:07 PM, September 28, 2007
Just an update on Pentagon Federal Credit Union. They claim they will allow CDs in the name of a trust. I tried to buy a $100,000 3 year certificate and they would not approve it. Their logic was because the grantor was recently deceased and this purchase was for a revocable living trust. Their ignorant attorney thought that the trust account title should be changed to irrevocable. Technically a revocable trust becomes irrevocable upon the death of the grantor. However, no one can change the title or terms of the trust agreement after the grantors death, which is what they wanted me, the trustee, to do. I won't go into any more detail than this but I just wanted anyone who might be thinking about buying a CD in the name of a trust that Pentagon Federal has no knowledge whatsoever about trusts and their in house attorney is completely ignorant on the subject. I was going to purchase another $100,000 in a different trust as well. That's $200,000 of lost business for them.

By Anonymous, at 5:47 PM, September 28, 2007
Pulling money from FNBO via GMAC:

On 9/25/2007 I initiated a transfer request from GMAC to pull $100k from FNBO. On 9/26/2007 a credit of $100k showed up in GMAC but as unavailable. The money was still also in FNBO. The next day all was the same. Still the money was in FNBO, still in GMAC too earning interest but unavailable. On 9/28 (today) in the morning the funds showed availabe in GMAC. I logged in FNBO and found that they were still there too!! I thought ..that's weird. Then long and behond this evening when I logged back into FNBO it was still there. I log back into GMAC and it was withdrawn! I called GMAC and they said FNBO rejected their request but had no reason why. Called FNBO and they had no record of any tranfer request. Called GMAC back and they got me and FNBO on a conference call. Since their offices are closed they will not be able to get a code as to why it was rejected until Monday. However FNBO confirmed no holds on the funds. I ended up asking FNBO to wire transfer the funds and both banks agreed to pick up the transfer fee when they determine whose fault it was as to why the transfer did not go through. Not fun... has anyone else had any problems transfering money out of FNBO. And ohh..by the way, we confirmed that the accounts were linked correctly and in fact transfers from GMAC into FNBO had happened during the promotional period..it is just the other way that failed!

By Anonymous, at 6:53 PM, September 28, 2007
Pentagon Federal Credit Union--trust accounts. I had a similar situation with them. Bunch of brain dead morons. Very attractive rate but didn't do me any good since I couldn't buy the CD in a Trust. I filled out all of their trust forms but they came up with one reason after another why they couldn't do it. I've never encountered a problem at any other financial institution buying CD's in the name of a trust. This is a simle revocable living trust. What a bunch of bozo's.

By Anonymous, at 9:25 PM, September 28, 2007
presidentials rates drop.

Savings from 5.30% to4.90%
Checking from 4.50% to 4.00%

By n t, at 4:37 AM, September 29, 2007
This is not a deal but a comment on Patelco.

I read that Patelco has applied with the NCUA for federal deposit insurance coverage. They switched from NCUA to private insurance about 5 years ago for higher deposit limits. No reason was given to explain why Patelco was switching back.

By Anonymous, at 8:33 AM, September 29, 2007
Charles Schwab Checking just reduced interest rate from 4.25% to 4%.

By Anonymous, at 11:25 AM, September 29, 2007
FatWallet (link: http://www.fatwallet.com/t/52/437553/) seems to show a tiered rate structure on Indymac Bank "Internet First Rate Money Market" as follows:

5.75% APY $25,000+
1.80% APY $10,000 - $24,999.99
1.70% APY $1,000 - $9,999.99 ($7 fee if your balance falls below $1,000 during the month)
Minimum to open is $1,000

IndyMac's rate page:

http://www.indymacbank.com/individuals/banking/page.asp?psection=currRates

Confirms that.

5.75% seems to be the highest non-term rate offered, if balance is $25,000. I thought this might be helpful to know.

By Anonymous, at 11:37 AM, September 29, 2007
I had a transfer from FNBO set up with GMAC that was to initiate on Sept. 27. It did and the funds were out of FNBO 9/27 and not available @ GMAC until 9/28. I thought this was awfully fast even for GMAC. I was expecting the funds to leave FNBO on Monday, Oct. 1. I missed my last day of the 6% interest but at least I got my money out.

By Anonymous, at 12:13 PM, September 29, 2007
Maybe this isn't new, but while pulling money from FNBO to AmTrust direct I happened to click on the main banks home page. From there I found a money market account paying 5.50% APY for 1000 to 999,000. Higher than the regular 5.21 that the e-money market is making. Banking guy, do you know anything about this?
http://www.amtrust.com/ProductDetails/default.asp?PID=40004&RegionCd=FL&PType=MM

By Terry, at 5:19 PM, September 29, 2007
Re: Amstrust above read the fine and you will answer your own questions first it ended "Money Market Account requires $1,000 minimum deposit to open. Account must be opened by August 31, 2007 and funded with money not currently on deposit with AmTrust Bank"

By Anonymous, at 5:38 PM, September 29, 2007

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