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Bank Deals - Best Rates and Deals

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Rates may be out of date.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

Sunday, November 25, 2007

Finding The Best Bank Rates and Deals #8

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 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 eighth 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

Banking and Credit Union Resources

Labels: ,

posted by Banking Guy at 11/25/2007 01:48:00 PM

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 This post may be out of date.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.


256 Comments: Post a Comment

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  • Digital FCU has a 5.20% 5mo cd

    By Anonymous Anonymous, at 1:55 PM, November 25, 2007  

  • Wamu 'Savings for Success' is now 6.5% in IL & TX. Limit one account per customer.

    By Anonymous Anonymous, at 7:17 AM, November 26, 2007  

  • Re: other websites with good CD deals, ChicagoCDRates.com does a pretty good job of keeping up on local CD rates -- I've seen a few there that you don't have.

    By Anonymous Anonymous, at 7:19 AM, November 26, 2007  

  • bankrate only lists a fraction of the banks that bankcd.com and money-rates.com list - i am not sure why they don't keep up

    By Anonymous Anonymous, at 10:12 AM, November 26, 2007  

  • iGObanking.com has lowered their savings account rate from 5.00% to 4.90%.

    I am disappointed... I had opened their account thinking it was quite comparable to UFB Direct, but now it is 40 basis points lower :(.

    By Anonymous Anonymous, at 11:17 AM, November 26, 2007  

  • https://www.growfinancial.org/index.cfm?fuseaction=rates.dividends

    Grow financial credit union - 5% 48 month CD. Anyone can join, check web site for details - requires a $5 contribution to a non profit org.

    By Anonymous Anonymous, at 2:23 PM, November 26, 2007  

  • AAA is ending their agreement with Bank of America and the interest rate on their Money Market account is likely to change

    By Anonymous Anonymous, at 10:39 AM, November 27, 2007  

  • AAA's Bank of America relationship is expiring 12/31/07 - AAA will not release their new banking relationship until January 2008. So, existing AAA Bank of America MMF may see different interest rates in the new year.

    By Anonymous Anonymous, at 3:58 PM, November 27, 2007  

  • INGdirect.com deposit $250 by 11/30/07 and get a $50 bonus. it was a flyer that came with my New York Times. I've seen flyers in Kiplingers for $25. I signed up online, it wouldn't accept my reference code, but when I called them, (2x) they where very helpful and accepted the code. call 1 800 464 3473 reference code NYT232 / M5RMUQNZ

    By Anonymous Anonymous, at 8:19 PM, November 27, 2007  

  • with all due respect I don't think that bestbankrates.com should be on the list I just checked 2 of their CD rates which looked good and they were both wrong and one was from six months ago..yikes

    By Anonymous Anonymous, at 1:10 PM, November 28, 2007  

  • KeyDirect dropped to 4.95%.

    By Anonymous Anonymous, at 3:02 PM, November 28, 2007  

  • Re: Keydirect

    However, they are still offering their 10 year CD at 5.75% APY for CDs over $50,000. I haven't found anything even close. I'm hoping that rate will still be available in early January. If you have a 10 year ladder, it's very attractive in this rate environment.

    Yours,

    Bozo

    PS: CSR named "Matt" is very helpful. Ask for him if you can.

    By Anonymous Bozo, at 6:32 PM, November 28, 2007  

  • Heartland Bank Direct has dropped to 4.80%

    By Anonymous Anonymous, at 6:48 PM, November 28, 2007  

  • Bank of America is offering a 5.20% 4 month CD in NJ.

    This offer is good from 11/29/2007 through 12/3/2007

    By Anonymous Anonymous, at 6:52 AM, November 29, 2007  

  • Not exactly a tip, but -- Huron River Area Credit Union has been liquidated, and is now being operated as a division of Detroit Edison Credit Union. Members with deposits in excess of the NCUA-insured amount need to file a claim with NCUA.
    http://www.huronriverfinancial.org/files/detedison/316/file/HomePage.MBR.LTR.pdf

    By Anonymous tuphat, at 3:36 AM, December 04, 2007  

  • Full link for Huron River Area CU letter --
    http://www.huronriverfinancial.org/files/
    detedison/316/
    file/HomePage.MBR.LTR.pdf

    By Anonymous tuphat, at 3:39 AM, December 04, 2007  

  • Hi Banking guy I just got letter in mail yesterday from Patriot bank I know you just posted on them for a 3m at 5.5%. In letter they are offering anyone that has one of those 6m 6% cd coming due they have set up a "earlybird cd renewal convenience" as they state it in short you need to call are stop in branch before January14,08 or at anytime before cd renewal ends they will offer you 5.5% for either 5 or 8 month term I dont know if I can add to this I will call in a few days and talk to them Thanks again for for all you do here Duck

    By Anonymous Duck, at 5:42 AM, December 04, 2007  

  • I just found out that WaMu opened up its High Yield Savings accounts to people who already have an existing regular (not online) checking account. When the Online savings account opened, you had to open an online checking account as well, but that restriction was dropped. If you already have a WaMu checking account and use online tools, signing up for the high yield savings account takes less than 5 minutes and you can transfer funds immediately.

    By Anonymous Ryan, at 1:46 PM, December 04, 2007  

  • Ufb Direct declined to 5.22%. Still not bad.

    By Anonymous Anonymous, at 8:41 AM, December 05, 2007  

  • I found in local newspaper Brentwood Press (California, Contra Costa County)(www.thepress.net) that Travis Credit Union offers the following from Dec 1-Dec8 2007:
    5.75 % APY 5 month CD (minimum 10000)
    $100 gift card with new checking account and direct deposit
    This offer in 4 locations:
    Brentwood Branch 3111-N Balbout Rd
    Antioch Branch 5819 Lone Tree Way
    Concord Branch 1257 Willow Pass Rd
    Clayton Valley Branch 5442 Ygnacio Valley Rd

    Member service Center 800-877-8328

    Thank you

    By Anonymous Anonymous, at 6:15 PM, December 05, 2007  

  • BankUnited dropped to 5.15%

    By Anonymous Anonymous, at 7:57 PM, December 05, 2007  

  • AmTrust Direct www.amtrustdirect.com has a new checking account deal in whic h up a $50 bonus can be earned.

    By Anonymous Andrew, at 7:59 PM, December 05, 2007  

  • Flagstar dropped to 5.0% (from 5.10%)

    By Anonymous Anonymous, at 8:33 AM, December 07, 2007  

  • WAMU 5.10% 6M online CD, up from 5%.

    By Blogger ShraZZy, at 6:45 PM, December 07, 2007  

  • Amboy Direct Premium Savings down to 4.75% on all balances. What...? They couldn't wait until Tuesday?

    By Anonymous Anonymous, at 7:38 PM, December 07, 2007  

  • Saw in todays Boston Globe that Countrywide is offering 3 month 5.50% CD here in MA, Looks like it must be opened at one of their financial centers

    By Anonymous scott, at 4:50 AM, December 09, 2007  

  • Everbank – more bizarre application steps

    Two weeks after sending in my application I got rather strange email from somebody (Mike Meyer) clamming to be Assistant Vice President and essentially asking me to *send* my net worth details over *unencrypted email*.

    Banking guy could you make a poll if anybody else had same experience.

    By Anonymous Anonymous, at 6:15 PM, December 09, 2007  

  • Hope EverBank isn't following FNBO Direct's example of intrusive email requests. I'll have to look into this. I recommend calling EverBank to confirm this request.

    By Blogger Banking Guy, at 6:00 AM, December 10, 2007  

  • ING dropped their savings account to 4.1% APY (down from 4.2% before). Also all the Electric Orange tiers are down.

    By Anonymous Anonymous, at 12:04 AM, December 13, 2007  

  • countrywide is back up to 5.50% for 3 & 6 month cd's

    By Anonymous mrthnman, at 8:55 AM, December 14, 2007  

  • AmTrusts new one is down to 5.11% APY.

    By Anonymous Anonymous, at 9:35 AM, December 14, 2007  

  • Has anyone had experiences with fisn.com? The best deal currently seems to be a CD with an 8% rate, noncallable for 1 year, possible term of 15 years
    http://www.fisn.com/rates.htm
    This appears to be a CD brokerage network, and the FAQ page at
    http://www.fisn.com/faq-cd.htm
    says FISN only places CDs with banks that are FDIC insured.

    By Blogger Kate, at 10:52 AM, December 14, 2007  

  • LA Financial 5.75% APY* 13-Mo CD w/direct dep & new ckg acct or 13 Mo CD 5.25%APY for $1,000 deposit. CD Michelle 1800 894 1200 Sandra ext 8214 for IRA CD for deposit by mail

    *APY= Annual Percentage Yield, APR= Annual Percentage Rate
    **$25 minimum deposit to open a Checking Account. $1,000 minimum deposit to the 13-Month Certificates, 50% of deposit must be "new money" not already on deposit with the credit union. The CD will auto renew into a 12-Month CD at the then-current rate for that balance tier. Rates subject to change without notice. Penalty for early withdrawal.

    LA Financial Credit Union located at 224 North Fair Oaks Avenue, Pasadena, CA 91103

    By Anonymous ommie, at 2:29 PM, December 14, 2007  

  • To Kate:
    I think you should re read that FISN webpage. I believe that 8% CD is CALLABLE.

    By Anonymous Anonymous, at 6:14 AM, December 16, 2007  

  • I wanted to know what you thought of 8% rate at FISN website. Have you ever dealt with FISN before? Are they legit?

    8.00% Interest is paid monthly for
    every day the 30Yr Treasury Constant Maturity Swap Rate is greater than the 10Yr Treasury Constant Maturity Swap Rate (Positive Yield Curve). If the 10Yr is greater than the 30Yr on any day (Negative Yield Curve) no interest is accrued for that day. Full 8.00% rate guaranteed for 1st. year.

    Please do share your thoughts. Thanks.

    By Anonymous Anonymous, at 9:02 AM, December 16, 2007  

  • Does anyone know if Penfed will run another end of the year or beginning of the year Cd deal like the last 3 years?

    By Anonymous Stewman, at 10:20 PM, December 16, 2007  

  • I've been told that PenFed's board of directors meets Tuesday and will vote on most of the rates for January. Hopefully, we'll be able to get an idea of January rates late Tuesday or Wednesday. I doubt they'll be 6%+ this time, but let's hope for rates well over 5%.

    By Blogger Banking Guy, at 5:41 AM, December 17, 2007  

  • GuarantyBank has a $100 bonus until 12/31. Open a Free & Easy Checking account with direct deposit and preferred billpay. Reading the fine-print, it's actually 2 $50 bonuses. Happy Holidays!

    By Anonymous Anonymous, at 9:10 AM, December 17, 2007  

  • GE interest plus just cut their interest rate .25% , the rate for 50k+ is now 4.91%

    By Anonymous mrthnman, at 10:32 AM, December 17, 2007  

  • About FISN: Yes, it's callable up to 15 years, but non-callable for a year. 8% for a year is quite good nonetheless. I've never dealt with FISN and also want to make sure it's legit before investing given the $25,000 minimum opening balance! Anyone out there with more info/experiences?

    By Anonymous Kate, at 5:16 PM, December 17, 2007  

  • emigrantdirect now 4.65%

    By Blogger ShraZZy, at 10:55 PM, December 17, 2007  

  • Update to 5:42 AM, December 04, 2007 Duck said... I finally called Patriot Bank yesterday at 1(888)400-7175 and talked to a CSR I was informed anyone that took one of those 6m 6% cd from them back in June is eligble for either the 5m or 8m at 5.5% and is able to add to the cd(up to 100k total) at time of renewal. Sorry took so long with Christmas too much to do Thanks Banking Guy

    By Anonymous Duck, at 5:27 AM, December 18, 2007  

  • I hope the Penfed give us new the 2 and 3 years CD rates. Does anyone have any comment about the LA financial CU 13 months CD rates? Thanks.

    By Anonymous Anonymous, at 9:00 AM, December 18, 2007  

  • Grand Yield Direct 4.90% from 5%

    By Blogger ShraZZy, at 3:00 PM, December 18, 2007  

  • Salem Five Direct eOne checking account rates dropped today:

    0-9,999: 4.10%
    10,000-24,999: 4.20%
    25,000-99,999: 4.30%
    100,000-999,999: 4.60%
    >1,000,000: 0.50%

    By Anonymous Anonymous, at 4:33 PM, December 18, 2007  

  • HSBC is now 4.25% APY

    Countrywide's SavingsLink and CDs are looking more attractive every coming day.

    By Anonymous PiZtoL, at 9:20 PM, December 19, 2007  

  • Free iPod Shuffle for opening a Chase Free Checking Account. Looks like Illinois and a couple Indiana counties only. Saw it over here.

    By Anonymous Anonymous, at 7:47 AM, December 20, 2007  

  • Member Choice CU still offers 6.01% reward checking.

    I closed SBoT to open at MCCU.

    By Anonymous Anonymous, at 6:26 PM, December 20, 2007  

  • ING cafes are giving away a free beverage of your choice at their cafes in most major cities. Download the coupon from the ING Direct site. Click on the cafes link.

    By Blogger Andrew01234, at 10:20 AM, December 21, 2007  

  • Merry X-mas everyone

    By Blogger Goldie, at 9:31 AM, December 25, 2007  

  • Thanks everyone for your comments. Merry Christmas and Happy Holidays.

    By Blogger Banking Guy, at 6:17 AM, December 26, 2007  

  • 5 month 5% online CD at Lasallebank.com

    By Anonymous mrthnman, at 6:56 AM, December 26, 2007  

  • penfed now has 5.25 for their 7 year, and 5% on 5 years. Looks like the grinch stole christmas this year, they must have made too got too much money in october.

    By Anonymous Anonymous, at 4:26 AM, December 27, 2007  

  • Brick and morter banks may offer competitive rates (even if unadvertised online.) Bank of America advertises online CD; a 4-month High Yield CD @ 5.10%apy (vary by state & $5k min).

    By Anonymous Anonymous, at 6:17 AM, December 27, 2007  

  • M/A-COM just dropped the cap on their rewards checking to $25K effective 1/1/2008.

    At least you continue to get 6% APY on balances up to $25.

    I think this is a better than what SBT did. At 5.01% APY, it just isn't worth all the activity requirements.

    By Anonymous Anonymous, at 7:33 AM, December 27, 2007  

  • InvesTex Credit Union is offering a 5 year 5.48% APY (min $50,000) share certificate. Rates for other terms and minimum balances are also competitive. Membership is limited to those who live and work near Houston, TX.

    By Anonymous Anonymous, at 11:38 AM, December 27, 2007  

  • Corus has dropped .01% to 5.11%

    By Anonymous Anonymous, at 11:07 PM, December 28, 2007  

  • 5.5% Rewards Checking at Heartland CU, Madison WI

    https://www.heartlandcu.org/rewards/index.asp

    By Anonymous Anonymous, at 7:29 AM, December 29, 2007  

  • 6.01% rewards checking burlington wisconsin

    http://www.firstbankingcenterrewards.com/

    By Anonymous Anonymous, at 8:42 PM, December 29, 2007  

  • Not a deal, but a thank-you for all your great posts. I've reported a number of them over on FatWallet Finance, crediting your blog, of course.

    Thanks for the great service you perform here, and best wishes for a Happy New Year.

    - glxpass

    By Anonymous glxpass, at 12:03 PM, January 01, 2008  

  • Provident Credit Union reduced their Super Rewards checking A/c rate from 6.01% to 5.51%

    By Anonymous Sree, at 11:44 AM, January 02, 2008  

  • apple bank www.applebank.com , has 12/24/60 month cd's for 5.02%

    By Anonymous mrthnman, at 8:06 AM, January 03, 2008  

  • Patelco is nowing showing on the NCUA Find a Credit Union search under NCUA # 68579.

    By Anonymous Anonymous, at 2:23 PM, January 03, 2008  

  • Countrywide is down to 5.25%

    By Anonymous grobe, at 6:22 AM, January 04, 2008  

  • All these banks offering this 6.01 are all being supported by a company named BancVue. Thats why all the offerings are simular and very templatized..

    By Anonymous Anonymous, at 8:41 AM, January 04, 2008  

  • Amboy Direct Premium Savings down to 4.55% (from 4.75%). With only one external-linked account allowed and no external pulls permitted, this account has lost all of its charm.

    By Anonymous Anonymous, at 12:22 PM, January 04, 2008  

  • Countrywide's 3 and 6 month CD rates are down to 5.45% :-(

    By Anonymous Kate, at 1:15 PM, January 04, 2008  

  • Alpha bank & trust Has 9 months special @ 5.25 %tri

    By Anonymous Anonymous, at 1:34 PM, January 04, 2008  

  • Just opened FNBO direct CD 9 month. Was surprised by this statement.

    "We may accelerate the maturity or call this account at our option on any maturity upon 30 days written notice"

    By Anonymous Anonymous, at 3:25 AM, January 06, 2008  

  • Thanks for the info. I have more on these FNBO Direct CDs and their call feature at this post.

    By Blogger Banking Guy, at 4:11 PM, January 06, 2008  

  • Key Bank is offering

    7 Month CD (25K min) 5.25%
    30 Month CD (25K min) 5.50%

    By Anonymous Anonymous, at 4:44 PM, January 06, 2008  

  • Heritage Community Bank in Randolph NJ continues to offer 6.01% on their "rewards Checking" There are stipulations, and it appears that you need to go into the bank to open - but i'm not sure about that. Stipulations include 10 debit card transactions/month, 1 direct deposit, and more - also cap is at $25K.

    By Anonymous Jay S., at 7:37 PM, January 06, 2008  

  • Washington Mutual is offering a 6.50% savings plan in certain areas. http://www.marketplacelocal.com/portalWeb/portal.aspx?groupid=58&pagename=itemdetails&channelid=9&itemid=55448854&previousPage=browse

    By Anonymous Anonymous, at 4:30 PM, January 07, 2008  

  • indymacbank
    5.50% APY, 4-month internet only special

    yury

    By Anonymous Yury, at 11:26 PM, January 07, 2008  

  • Interesting article in today's WSJ re: banks' narrowing interest margins.

    Link -> http://online.wsj.com/article/SB119975513647973481-email.html

    Snip ->

    Even though the Federal Reserve has been cutting interest rates, many banks are still offering attractive rates for deposits. A quarterly survey released last week by Citigroup Inc. found that "the competition to raise new deposits" via certificates of deposit and money-market funds "remains intense."

    By Blogger Tu, at 4:02 AM, January 08, 2008  

  • I deposit my check on 12/28/07 in my Bank of America my expression banking ACC and received only one day interest in December; Bank o A said because it earns interest only on collected balance. I asked other small banks about this matter; I was told that I should get interest on ledger balance. Even though, APY is same at both banks, I got only one day interest instead of 3 days of interest. I feel very strange. Interest rate on rate sheet or advertisement does not have any standard for these balance indication?

    By Anonymous Anonymous, at 6:48 AM, January 08, 2008  

  • 5.25% 6 or 9 month cd , 5% savings account at Doral Bank.

    http://www.doralbankdirect.com/

    By Anonymous mrthnman, at 8:22 AM, January 08, 2008  

  • Wachovia Way-2-Save 5% savings account. Similar to BoA's keep the change, but does full $1 moves, includes online bill pay and auto debits, and has 5% bonus at anniversary.

    More info available at
    http://www.fatwallet.com/t/52/799201/

    By Blogger Cyclone, at 10:05 PM, January 08, 2008  

  • Comerica Bank is offering a $200 bonus for opening a business checking account and signing up for an additional service (billpay, credit card, &c). There are rumors of a similar bonus for consumer checking.

    By Anonymous Anonymous, at 11:21 PM, January 08, 2008  

  • Ufb direct Reduces rates again. The advertisement still says 5.22, but you click on the rates it says 5.12, and if you have an account there, it actually shows 5.10%.
    I actually noticed that last time when they said it was 5.22% the actual accounts were showing 5.21%. I guess they must use 2 calculators for calcing the apr from the flat interest rate.

    By Anonymous Anonymous, at 3:56 AM, January 09, 2008  

  • traditionbank.com advertised its Gold Star checking in the Houston Chronicle recently.

    By Anonymous Anonymous, at 8:11 AM, January 09, 2008  

  • B of A Defenders of Wildlife MMA is down from around 4.74% last week to 4.41% on balances of $50k or more.

    By Anonymous Anonymous, at 10:23 AM, January 09, 2008  

  • Banking Guy, any word on Pen Fed posting higher rates. History shows they always do first Quarter of the year.

    By Anonymous Anonymous, at 11:03 AM, January 09, 2008  

  • First Entertainment Credit Union has 5.05% for 6,7,8 or 9 month term certificates. It's not great, but I got certificates from them last year when they had 6% and 5.6% (sigh) and they were easy to deal with and pleasant. And their mailings (oriented towards entertainment professionals in Hollywood) are very cheerful!

    By Anonymous Anonymous, at 1:17 PM, January 09, 2008  

  • Emigrant Direct drops rate to 5.55%apy.

    By Anonymous Anonymous, at 3:39 AM, January 10, 2008  

  • Sorry Emigrant drops rate to 4.55%.

    By Anonymous Anonymous, at 3:40 AM, January 10, 2008  

  • Emigrant and its offspring, Banco Fortuna, dropped their rates to 4.55%. Looks like ING Direct also cut the rates on their CDs as well. A very sad time...

    By Anonymous Scott, at 5:46 AM, January 10, 2008  

  • ING is running another contest. Enroll for automatic deposits of at least $100/mo now through July and you will be entered in a monthly drawing. Five monthly prizes of $1000 and one grand prize of $30,000. If you don't care for ING's interest rate, I see nothing in the contest rules that says you can't transfer that money right back out again . . .

    By Anonymous Al, at 7:04 AM, January 10, 2008  

  • In a Wachovia ad (1/10/08 Houston Chronicle A13), the '5.05% 5m CD with checking' now has the following fineprint: "Former World Savings customers are excluded from checking requirement".

    By Anonymous Anonymous, at 7:16 AM, January 10, 2008  

  • To: Banking Guy and All
    Re: Heads up on KeyDirect

    I just got off the phone with "Adam", a CSR at KeyDirect. He said the response to the 10 year - 5.75% APY offer has been very good, and that the group that sets rates will be meeting very soon to adjust rates accordingly (read: look out below).

    KeyDirect has a "postmark" rule for deposits, so if you mail a check, the rate and term in effect at the date of the postmark is the rate and term you will receive. This also applies to overnight or express mail (FedEx/UPS/USPS).

    If you are funding a trustee-to-trustee transfer of an IRA, their New York IRA center will NOT accept an incoming wire transfer, so use overnight mail. I don't know about ACH, but be advised.

    Yours,

    Bozo

    By Anonymous Bozo, at 9:27 AM, January 11, 2008  

  • B of A Defenders of Wildlife MMA rate on balances of $50k or more, which was 4.41% just 2 days ago (1/9/08), has fallen again to 4.21% as of today (1/11/08). Time to go elsewhere.

    By Anonymous Anonymous, at 12:27 PM, January 11, 2008  

  • Hi Banking Guy!
    Patriots Federal Credit Union in Southern California that you reported on December 19 is still offering the "Pot of Gold" new member special certificates. My husband and I opened one each yesterday in the Aliso Viejo office. Fast and easy sign-up. There are three offers...you can choose only one

    7 month/$10,000/5.75%

    9 month/$7500/6.81%

    15 month/$2500/7.88%

    Must deposit $25 into savings and $75 into checking. $10 membership fee is waived. You can still bump your rate up .50% with direct deposit.

    Thanks again for all your great leads! Laurie:)

    By Anonymous Laurie, at 1:11 PM, January 11, 2008  

  • Thanks everyone for your comments.

    Laurie, Thanks for the update. Glad to see that promo is still available. I've updated that post and added your comments.

    By Blogger Banking Guy, at 3:22 PM, January 11, 2008  

  • Countrywide rates for 3 and 6 months are down to 5.25, and Indymac 4 month special is back to 5.4 APY.

    By Anonymous Anonymous, at 4:21 PM, January 11, 2008  

  • Flagstar's rate dropped to 4.80% APY

    By Anonymous Anonymous, at 11:12 AM, January 12, 2008  

  • Just got a letter in the mail from WaMu offering a $75 bonus for opening a Free Checking account by 2/16/08. Looks like $1 minimum deposit, no DD requirement, and you need to keep the account open for 12 weeks to get the bonus.

    By Blogger Rattling The Kettle, at 12:27 PM, January 12, 2008  

  • GMAC Bank might be getting ready to lower their rates because their homepage has a blank APY.

    By Anonymous Anonymous, at 7:42 AM, January 14, 2008  

  • National City Bank just began offering today a 25-29 mo. CD with an APY of 5.0%. This is an unadvertised special and not sure of the min, but the quote was for $30k.

    By Anonymous Anonymous, at 3:35 PM, January 14, 2008  

  • As of this evening (01/14/08), Doral Direct appears to be the only bank offering an APR of over 5% on a one-year CD; the bank's web site indicates the current rate as 5.02%.

    By Anonymous Mitch, at 4:57 PM, January 14, 2008  

  • Banking Guy.....Logging on to my FNOB savings account today, I noticed an offer for a 9 month CD at 5.25 apr with a minimum of $500. No max. It doesnt show up on the website, only when you log on to your account. I signed up for 3 separate CD's. No problems. Not bad in these times. rod

    By Anonymous Anonymous, at 7:38 PM, January 14, 2008  

  • ING Direct is at it again, slashing their CD rates to 4.5% (60 month). Very depressing...

    By Anonymous Scott, at 5:57 AM, January 15, 2008  

  • Just read on FatWallet about Alliant Credit Union offering 5.40% on amounts over 25K. Are you familiar with them. Sounds like a good deal. 24 months may be the way to go at this time.

    By Anonymous Anonymous, at 1:35 PM, January 15, 2008  

  • Thanks. I've posted on this Alliant CU deal on Jan 5th. Here's the link to the Alliant CD deal.

    24 months is a reasonable time frame. I doubt we'll see rates higher than they are now before then.

    By Blogger Banking Guy, at 4:02 PM, January 15, 2008  

  • ufbdirect drops again to 5% :(

    By Anonymous Anonymous, at 4:33 PM, January 15, 2008  

  • wamu is offering a 7 month cd with an add on feature at 5.10% , valid in AZ,CO,CT,FL,GA,ID,NV,NY,NJ,TX,UT.

    CALL 1-866-808-1396 FOR MORE INFO.

    By Anonymous mthnman, at 10:27 AM, January 16, 2008  

  • Although this probably happened at the New Year, I just saw this. ING has cleared all referrals, so that even if you reached the maximum 25 before, you can now refer again. My account says that you can refer up to 50 people ($500), although that may be 25 people for the Savings Account and 25 for the Electric Orange Account (since I have both).

    I know that will make some people mad here (since they've slashed CD rates) but I thought it was worth noticing. Bank Deals Guy, I know yours were maxed out before so this might be good for you!

    By Anonymous Anonymous, at 4:58 PM, January 16, 2008  

  • Los Angeles Federal Credit Union offering 5.30%APY on 6-11 month CD with deposit of 100K.

    By Anonymous Anonymous, at 10:58 AM, January 17, 2008  

  • telecom credit union (michigan), offering 61 month 5.25 apy, anyone can join.

    By Anonymous Anonymous, at 7:02 PM, January 17, 2008  

  • countrywide down to 5% APY

    By Anonymous Anonymous, at 10:50 PM, January 17, 2008  

  • Bank Guy,
    what about current members of alliant credit union that opened accounts using my points? Will they close our current accounts?
    or what?

    By Anonymous Anonymous, at 2:30 AM, January 18, 2008  

  • etrade CDs took a huge hit; only their 6-month term is over 4% now! More rate cuts at etrade to follow?

    By Anonymous Anonymous, at 7:01 AM, January 18, 2008  

  • FNBO

    9-month CD was 5.25%APY

    now...
    9-month ↓4.26%APY

    By Anonymous Anonymous, at 8:02 AM, January 18, 2008  

  • Down-Down-Down

    B of A Defenders of Wildlife MMA rate on balances of $50k or more has fallen for the third time in the past two weeks -- now from 4.21% to 3.81% as of today
    (1/18/08).

    By Anonymous Anonymous, at 10:11 AM, January 18, 2008  

  • Lest I be accused of being a "pimp" for KeyDirect, I assure you I am not. However, I might note that it's hard to find any rates for a "longish" CD ladder above 5%, much less 5.5%. For those of you who are seeking to replace or fill years 7 - 10 (as I recently did), you might check out KeyDirect. Their rates for smallish CDs at shorter terms aren't that great (whose are, these days?), but for a few more bucks at longer terms, hey, it's worth looking at.

    Just my $.02.

    Yours,

    Bozo

    My motto: anything over 5% is a gift.

    By Anonymous Bozo, at 3:48 PM, January 18, 2008  

  • doral direct cds are down to 4.75 apy

    By Anonymous Anonymous, at 5:30 PM, January 18, 2008  

  • OneUnited - 5.30% (min $1K), account review anything more current?

    By Anonymous Anonymous, at 8:33 AM, January 19, 2008  

  • Looks like this bank used to be called "Evergreen Community Bank". The rates are good. But why is the FDIC insurance only up to 50k? What is the CDARS program?

    http://www.evergreenprivatebank.com/rates.cfm

    By Anonymous Anonymous, at 11:15 AM, January 19, 2008  

  • sorry. I read it wrong. It looks like the FDIC insurance is up to 50,000,000.

    By Anonymous Anonymous, at 11:20 AM, January 19, 2008  

  • countrywide local rates are higher than internet, strangely. 3/6 months is 5 apy now.

    By Anonymous Anonymous, at 7:28 PM, January 19, 2008  

  • Indymac 4 month down to 4.10%, They have brought the 7 month up to 5.15%

    By Anonymous scott, at 4:15 AM, January 21, 2008  

  • Alliant Credit Union will be automatically enrolling all members under mypoints to the national PTA and paying the first year membership fee for us.

    By Anonymous Anonymous, at 7:54 AM, January 21, 2008  

  • What exactly is "my points" in reference to Alliant Credit Union. I don't understand. I would like to join this CU. Thanks anyone for a response.

    By Anonymous Anonymous, at 2:18 PM, January 21, 2008  

  • Please refer to this Alliant Credit Union post for more info on this MyPoints issue.

    By Blogger Banking Guy, at 3:47 PM, January 21, 2008  

  • Sharebuilder has a $50 account opening bonus:

    http://content.sharebuilder.com/mgdcon/jump/Web/welcome/trading/index.htm

    I did a review on this bonus at my blog:
    http://dividendgrowth.blogspot.com/2008/01/50-sharebuilder-account-opening-bonus.html

    By Blogger Growingdividend, at 6:42 PM, January 21, 2008  

  • To: Banking Guy and All
    Re: KeyDirect rates

    It appears that KeyDirect's website indicates a 20 basis point rate reduction in their 10 year CD, while the drop-down menu does not. I strongly advise you call KeyDirect to confirm their rate before sending that money, and also confirm the "postmark" rule regarding terms and rates.

    All in all, given the Fed's action this morning, a 20 basis point reduction would seem a hiccup.

    Just my speculation, but KEY (the stock ticker for KeyCorp, KeyBank and KeyDirect's parent), shot up today on speculation of a Bank of America takeover. That might explain why KeyDirect and KeyBank were so boistrous of late in offering such high yields on CDs (ala Countrywide). It does tend to increase the cash on hand in a takeover.

    If the speculation pans out, you can expect KeyDirect and KeyBank to slash rates, as Countrywide has. No more need to raise cash and pump up the assets, as it were.

    Just my $.02.

    Yours,

    Bozo

    By Anonymous Bozo, at 7:40 PM, January 22, 2008  

  • FNBO has removed their CD's from their website. No link anymore.

    By Anonymous Anonymous, at 3:36 AM, January 23, 2008  

  • I'm sure you're going to get a slew of these, but ING Direct has dropped their OSA's rate to 3.65% and E*Trade Bank has dropped their Complete Savings rate to 4.4%. Thought I'd let you know. Thanks.

    By Blogger Ben, at 6:04 AM, January 23, 2008  

  • ING Direct has dropped their minimum Electric Orange rate to 2.5%.

    By Anonymous Anonymous, at 7:11 AM, January 23, 2008  

  • SalemFive Direct also dropped their rates. The tiers are 3.65%, 3.75%, 3.85% and 4.10%.

    Sad.

    By Anonymous Anonymous, at 12:26 PM, January 23, 2008  

  • LA Federal Credit Union still listing 5.30 APY (as of today) on deposits of $100K 6 - 11 mo.

    By Anonymous Anonymous, at 1:19 PM, January 23, 2008  

  • Not a good news :

    US rates 'heading for 2.5% by the spring'

    http://business.scotsman.com/business/US-rates-39heading-for-2537.3699634.jp

    Just parked huge balance @5% for 16 months.. cant expect better as days goes on

    By Anonymous Sree, at 1:32 PM, January 23, 2008  

  • iGoBanking has also dropped their rates. Current APY is 4.5%

    By Anonymous Anonymous, at 2:33 PM, January 23, 2008  

  • I called CSR at Superior savings. They've been advertising 5.25%APY 7mongh cd all the time. I think, the best deal is: They also have 13 month cd for 5.25%APY. Lock the rate based on post mark date and within 14 days of postmarkdate you can fund the cd.
    -Ram

    By Anonymous Anonymous, at 4:08 PM, January 23, 2008  

  • Interesting site for helping to research credit unions.

    credituniondirectory.net

    By Anonymous Anonymous, at 4:31 PM, January 23, 2008  

  • First Arkansas rewards checking will be bringing down rates(no surprise, after all) from 1st. Wonder how much down.

    By Anonymous Anonymous, at 4:36 PM, January 23, 2008  

  • eBank dropped all their CD rates to 4.0% APY

    By Anonymous Anonymous, at 6:37 PM, January 23, 2008  

  • ufbdirect down to 4.5%

    By Anonymous Anonymous, at 5:57 AM, January 24, 2008  

  • Banking Guy,
    Just got off the phone with CSR at Alliant CU. Their board met (today?), and it looks like their rates will be changing on the 5.4% 12-24 mo jumbo cds.

    FWIW, I tried to purchase jumbo cd online this am, but their "transfer from another institution" (for verified linked external accounts)is not working. IT is working on it. The CSR said the best bet would be to wire the funds (takes 3-5 hours bc it goes thru "corporate" account first? What a pain.

    By Anonymous Anonymous, at 7:48 AM, January 24, 2008  

  • Salem Five just dropped its rate. tiers are now:
    0-$9,999 3.65%
    $10,000-$24,999 3.75%
    $25,000-$99,999 3.85%
    $100,000-$999,999 4.10%
    $1,000,000 or more 0.50%



    http://salemfivedirect.com/

    By Anonymous Anonymous, at 7:56 AM, January 24, 2008  

  • Advantis Credit Union in Oregon is still offering their reward type checking account for 6.25% for balances up to $30,000. They haven't changed their rate since I signed up back in October and their website still shows that rate.

    By Anonymous B Wrensch, at 8:09 AM, January 24, 2008  

  • not sure if this is already listed on this site. Bank of America has a promo code AOU260108, for a checking account with a $75 bonus. Offer expires on March 31, 2008.

    http://www.bankofamerica.com/promos/jump/uspsmovers/

    By Anonymous Goldie, at 1:33 PM, January 24, 2008  

  • To: Banking Guy and All
    Re: KeyDirect rate plunge

    Yup, KeyDirect's rates just took a nose-dive. The ten year is down to 5%. And my wife wondered why I was so frantic to get 5.75% locked in.

    Yours,

    Bozo

    By Anonymous Bozo, at 2:12 PM, January 24, 2008  

  • GMAC going down to 4.25% when they reset tomorrow according to bankrate. Not as bad as some others although I suspect another drop after the next FED cut next week.

    By Anonymous Anonymous, at 3:09 PM, January 24, 2008  

  • Actually I am thinking a lot of the banks are going to wait until after the next Fed meeting before changing their savings account rates since it is such a short time.

    By Anonymous Anonymous, at 3:24 PM, January 24, 2008  

  • It is good idea to re-iterate on 9 month 5.25% APY at Moneyone federal credit union listed at "Local" deals. Though any one can become member by donating $20 and min. $5k (no max mentioned) with one more chance to add later.

    By Anonymous Anonymous, at 6:56 PM, January 24, 2008  

  • I finally could open alliant membership but has to wirein to open the cd but closed today. If the alliant rate will be alive tomorrow, I will wirein to open. Otherwise, I will fund the CD at superior.

    By Anonymous Anonymous, at 9:20 PM, January 24, 2008  

  • Too bad, Alliant jumbo down to 4.9 APY - see under rates. Their home page still shows though. CSR did not budge to give me the cd.

    By Anonymous Anonymous, at 6:52 AM, January 25, 2008  

  • Alliant's deal is toast. Good luck and happy laddering.

    Yours,

    Bozo

    By Anonymous Bozo, at 9:07 AM, January 25, 2008  

  • Can you guys share wisdom - I got exception from alliant for 5/34 12m cd, if i wire in the funds. I am debating, is it worth considering wire charges 30-50 of my bank, if I consider $100,000 to deposit? Either I can do this or do with superior 5.25% that I lock in.
    TIA

    By Anonymous Anonymous, at 10:03 AM, January 25, 2008  

  • A rough calculation shows that Alliant's 5.40% apy would net you about $150 over Superior Savings' 5.25% apy CD for one year ($100,000 x 0.0015 = $150).

    By Blogger Banking Guy, at 10:27 AM, January 25, 2008  

  • fnbodirect savings down from 5 to 4.3% APY. Very steep.
    -Ram

    By Anonymous Anonymous, at 12:34 PM, January 25, 2008  

  • fnbodirect savings down from 5 to 4.3% APY. Very steep.
    -Ram

    By Anonymous Anonymous, at 12:35 PM, January 25, 2008  

  • banking guy,
    Just letting you know that the 5.25 cd you reported on at FedCom credit union in Michigan on 1/9 seem to have been ended today. I was headed there Monday. :o(

    By Anonymous Anonymous, at 5:49 PM, January 25, 2008  

  • First Bank in select CA (SoCal) cities is offering a free Apple iPod Shuffle when opening any checking account by Mar 1, 2008. (Free Checking account appears to qualify) No min. deposit to open an account. Must establish direct deposit (DD) within 90 days of account opening. Must not have an exisitng personal checking account with First Bank. IPod snail mailed 4-6 weeks after DD verification. Limit one iPod per household/address.

    No information if offer is available outside Orange County, CA. Could not find promo at homepage.

    Ad from Irvine World News (Jan 24, 2008), but ad can be found in other local newspapers with same date.

    By Anonymous Anonymous, at 1:40 AM, January 26, 2008  

  • Umbrella Bank Pot o Gold Money Market on their home page was updated today, Saturday, and has gone down to 4.02%

    By Anonymous Anonymous, at 10:03 AM, January 26, 2008  

  • countrywide savings link still offering 5% apy in missouri at least

    By Blogger djc314, at 3:19 PM, January 27, 2008  

  • https://www.sccfcu.org/asp/services/service_6.asp

    By Anonymous Anonymous, at 4:40 PM, January 27, 2008  

  • There was an ad from PNC in the Washington Post's business section yesterday (January 27th), offering a 4.50% APY 7-month CD with $1000 minimum and a "PNC Performance Checking Account". The bottom of the ad says "visit any branch - Phone 1-877-CALL-PNC". I checked the PNC website this morning and didn't see this mentioned, so I am not sure whether it is still valid.

    By Anonymous yieldgirl, at 9:50 AM, January 28, 2008  

  • Emigrant and BancoFortuna down to 4.30% APY today

    By Anonymous Anonymous, at 12:18 PM, January 28, 2008  

  • I am so far impressed with alliant ending with happy story. The lead ok'ed 5.4% apy, though the customer rep refused at first. Wired in funds($22 charge) and rep called me today to open the cd. I opened 4 cds each for $25k between 13-18 months. Thank you, Banking guy and others for helping me clinch the deal. I also opened wamu 7m for $10k. -Ram

    By Anonymous Anonymous, at 7:11 PM, January 28, 2008  

  • WAMU Online Savings now 4.25%.

    By Anonymous Anonymous, at 7:07 AM, January 29, 2008  

  • For those in Colorado, Bellco Credit Union still has some nice CD rates. Top rate on regular CDs is 5.05% (see rates). These haven't changed for quite awhile, but may be changing at the beginning of Feb.

    By Anonymous Roger, at 12:11 PM, January 29, 2008  

  • Also, I meant to mention that Bellco has a "Smart Move" CD that you can add or subtract money, or raise the rate during the term. You can do each of these once during the term. Top rate on this CD is currently 4.70%.

    By Anonymous Roger, at 12:15 PM, January 29, 2008  

  • http://www.provident-direct.com/ is still offering 4.5% APY. The rate is effective 11/12/07, though, so it's apparent that they haven't responded to recent rate cuts yet.

    By Anonymous Anonymous, at 8:03 AM, January 30, 2008  

  • City County Credit Union (citycountycu.org) now offers unlimited add-on on all their certificates. This feature makes them very attractive in today's rate environment.

    The website quotes only their 'basic' CD rates and does not highlight the add-on feature.

    You can actually get considerably higher rates as a 'select' or 'premium' member.

    For example, 30 months add-on is 4.4378% APY for select and 4.5940 APY for premium.

    Top APY is 4.6982% for 60 months add-on at premium level.

    Minimum (without City County credit card) is $10K for select and $30K for premium. Also requires savings and checking accounts, but no service fees or minimums while your CD is open.

    By Anonymous Anonymous, at 9:20 AM, January 30, 2008  

  • Southern Community Bank and Trust(North Carolina) Recently started a REward Checking Account called ME Paying %6.00 Same usual requirements 10 debit, e-statment, one direct deposit or ach debit ..

    Don't know if its open to all.

    By Anonymous Anonymous, at 11:42 AM, January 30, 2008  

  • revolution money exchange has a $25 sign up bonus https://www.revolutionmoneyexchange.com/Registration/RegStep1.aspx

    By Blogger Adam, at 4:19 PM, January 30, 2008  

  • New round of Rate cuts have started.
    iGoBanking is down to 4.20% APY from 4.50%.

    By Anonymous Anonymous, at 4:57 PM, January 30, 2008  

  • ccRemember Presidential Bank?
    Rate down to 3.5%, was 4.5%

    By Anonymous Anonymous, at 2:46 PM, January 31, 2008  

  • GMAC Money Market Savings going down to 4% even (should post in the AM).

    By Anonymous larkin, at 2:54 PM, January 31, 2008  

  • First Arkansas is bringing down rates from 6 to 4.3 APY effective 2/7/08, according to the bank.

    By Anonymous Anonymous, at 6:18 PM, January 31, 2008  

  • UFB Direct down to 4.00%

    By Anonymous Anonymous, at 3:47 AM, February 01, 2008  

  • ING Direct Savings Account is down to 3.40% from 3.65%.

    The Electric Orange is also down - 2.25%

    By Anonymous Anonymous, at 4:30 AM, February 01, 2008  

  • Countrywide is down to 4.75% over $10,000--and 3% below that.

    I find that to be good news as I expected a much greater drop.

    By Anonymous grobe, at 8:12 AM, February 01, 2008  

  • Countrywide just raised their 3 & 6 month CD to 4.9%

    By Anonymous Anonymous, at 8:21 AM, February 01, 2008  

  • I tried to open the e-savings account at oneunited, but let me warn you guys that their account opening process literally crawls and it has been over a week and still they are not able to open my account, inspite of me verifying the trial deposits rightaway. Their CSR is atrocious - they have no professionalism, doesn't give any reason why it is taking such a long time, no apology, nothing.

    By Anonymous Anonymous, at 5:14 AM, February 02, 2008  

  • Wescom Credit Union is offering a 7 month 10% APY (min $500 max $1000) at the new Redlands Branch until tomorrow (Sunday).

    By Anonymous Anonymous, at 10:30 AM, February 02, 2008  

  • • 5.00% APY 9-month Church Builder Certificate
    • As low as 5.75% APR Auto Loans
    • 5.50% APY 7-Month Certificate on $1,000
    • 5.00% APY Money Market Account

    at Christian Community Credit Union
    www.mycccu.com

    By Anonymous Anonymous, at 2:22 PM, February 02, 2008  

  • New 6.01% APY High Yield Checking account at Eastern Financial Florida Credit Union ($25K cap).

    Usual reward checking account activity requirements.

    Here's a link to the details:
    http://www.effcu.org/default.aspx?id=1832

    Another option in south Florida is the 6.01% APY Cash Back Checking account from Power Financial Credit Union. The link for this one:
    https://www.powerfi.org/site/checking_cashback.html

    By Anonymous Anonymous, at 3:41 PM, February 02, 2008  

  • Hadn't seen this anywhere:

    First Credit Union Rewards Checking
    http://www.firstcu.coop/accounts/rewcheck.htm
    Membership open to Arizona residents and their immediate family. Can open account online.
    * 6.01% APY, balance from $0.01 to $25,000 if requirements are met
    * ATM fee refunds up to $25 per qualifying cycle (can use any ATM nationwide)
    * $5 minimum balance in a savings account required for membership
    * Standard reward checking requirements (eStatement, 12 uses of debit card, log in to website, have direct deposit/withdrawal).

    By Anonymous SSF, at 10:36 AM, February 03, 2008  

  • Get More BANG For Your Buck!
    4.75% APY
    7 Month Liquid Certificate
    with as little as $500!

    http://www.southlandcu.org/rates/deposit.html

    By Anonymous Anonymous, at 11:10 AM, February 03, 2008  

  • Monroe Bank & Trust has a 6.01% APY reward checking account that also refunds ATM fees from other banks. You may be able to qualify even if you don't live within their footprint (lower SE Mich).

    By Anonymous PNS2CLT, at 11:39 AM, February 03, 2008  

  • I forgot to include the link...

    http://www.mbandt.com/MBTWeb/Personal+Banking/Checking/MBT+Performance+Checking.htm

    By Anonymous PNS2CLT, at 11:40 AM, February 03, 2008  

  • Blue Ridge has a special for 1 yr 5.05 APY

    http://www.blueridgesavings.com/site/rates.html

    By Anonymous Anonymous, at 1:28 PM, February 03, 2008  

  • Wachovia Way2Save is being advertised now here in south Florida.

    My take ... it's Way2Hard to bother with.

    By Anonymous Anonymous, at 7:16 PM, February 03, 2008  

  • Savingssquare.com still has their online savings account at 4.2%

    By Anonymous Anonymous, at 7:25 PM, February 03, 2008  

  • One United down to 5.15% APY

    By Anonymous Anonymous, at 7:57 AM, February 04, 2008  

  • I just got an e-mail from AmTrust Direct about a $25 bonus for setting up an automated $100 per-month transfer for 3 months using their "Save Up" plan. Odd thing is, the fine print in the e-mail refers to both a $25 and a $50 bonus:

    "1Conditions for $25 cash bonus: Minimum automatic deposit totaling $100 each month for three (3) consecutive months using the Amtrust Bank Smart Save-up plan. The $50 cash bonus will be credited to your AmTrust Direct e-Savings or e-MoneyMarket account within 30 days after the closing date for the statement cycle in which you make your third $100 deposit. All requirements for the automated deposit transactions must be completed by May 31, 2008. Certain offers may not be combined. Limit one $50 cash bonus per household."

    Looks like you can also sign up for a new account and do the Save Up plan to get the extra $25 (or $50...) bonus. I'm doing this deal either way, since I already transfer at least $100 to my AmTrust account each month anyway.

    By Blogger Curtis, at 8:48 AM, February 04, 2008  

  • Hi bankingGuy got a ? what is up with Mint.com have you tried it does it keep cd's up to date as well as keeping track of savings and Ccard It pops up on this page when I go to see if anyone has posted anything useful. I did go and looked at it but little weary of giving something/someone my info to all my diffrent accounts or if they get hacked somehow they get it all not just one or the other Thanks

    By Anonymous Anonymous, at 11:36 AM, February 04, 2008  

  • Banking Guy ...

    Thanks so much for your excellent service. I've been sending you deals from here in south Florida.

    I think readers better grab CD's ASAP. It's a good idea for readers to look for add-on certificates.

    The ISM services number that came out this morning was pretty bad. Here's the market reaction:

    Traders see a 92 percent chance the Fed will cut its benchmark rate by 50 basis points to 2.50 percent by its March 18 meeting, futures on the Chicago Board of Trade show. The likelihood increased from 68 percent yesterday. The remaining bets are for a 25 basis-point reduction.

    By Anonymous Anonymous, at 6:49 AM, February 05, 2008  

  • hsbc did another painful rate cut.

    3.55% APY

    By Anonymous Anonymous, at 7:23 AM, February 05, 2008  

  • *HSBC Direct

    By Anonymous Anonymous, at 7:23 AM, February 05, 2008  

  • American Partners Bank in the DC area is offering a money market for 4.71%. It requires a $1000 minimum balance. You can open on-line. First round of checks are free and they reimburse ATM fees. No mention of ACH capabilities.

    By Anonymous larkin, at 8:57 AM, February 05, 2008  

  • WTDirect is offering 4.90% on a high yield savings account. Here is a special link I got through Motley Fool site: http://www.wtdirect.com/savings-media245/index.html?promo=WTF3IB&utm_source=IB&utm_campaign=text_Q108&utm_medium=text&utm_extra=dim1/motleyfool

    By Anonymous Anonymous, at 5:31 PM, February 05, 2008  

  • larkin, thanks for the info. I just called American Partners Bank to find out more info, and I was informed that this is being cut to 4.00% APY today. Nevertheless, it's still a competitive money market account. I'll do a post on this account this week.

    About WTDirect, I believe that links to an old page. The latest WTDirect yield appears to be 4.15% APY. Note the small print on that page states "APY is variable and is effective as of 11/17/2007 and may change at any time."

    By Blogger Banking Guy, at 7:28 AM, February 06, 2008  

  • Chase has a $200 bonus for opening a business checking account with a $500 deposit. Since anyone can get a tax ID number for free from the IRS, anyone can have a business and qualify for this account.

    http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/smallbusiness/shared/page/business_checking_offer2

    It does appear that this offer requires a branch visit.

    By Anonymous Anonymous, at 8:03 AM, February 06, 2008  

  • GE Interest Plus has dropped its 50K rate to 4.05% (with a 4.13% APY). The 15K to 50K rate is 3.90% (3.97%APY) and the less than 15K rate is 3.75% (3.82% APY)

    By Anonymous grobe, at 2:28 PM, February 06, 2008  

  • How about checking on the 5.15% APY MMA at Luther Burbank Savings Bank for us as mentioned here:
    http://www.fatwallet.com/t/52/807041/

    By Anonymous Anonymous, at 10:54 PM, February 06, 2008  

  • FNBO now down to 3.85%. Just got the email.

    By Anonymous Anonymous, at 9:15 AM, February 07, 2008  

  • GMAC going down to 3.5%.

    By Anonymous larkin, at 3:45 PM, February 07, 2008  

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