Rates Current as of Wednesday February 08, 2012

ABA

American Bankers Association. A trade association for banks and savings associations.

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SEP

Simplified Employee Pension Plan. Allows employers to set aside money in retirement accounts for themselves and their employees. Under a SEP, an employer contributes directly to traditional individual retirement accounts (SEP-IRAs) for all employees, including the employer.

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Fiduciary

Undertaking to act as executor, administrator, guardian, conservator, or trustee for a family trust, authorized trust, or testamentary trust, or receiver or trustee in bankruptcy.

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Frozen Account

An account on which funds may not be withdrawn until a lien is satisfied and a court order or other legal process makes the account available for withdrawal as an example, the account of a deceased person is frozen pending a court order distributing the funds to the new lawful owners. An account may

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Principal Balance

The outstanding balance on a loan, excluding interest and fees.

CD Rate Updates

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Banking & CD FAQs

What financial institutions are members of the Federal Reserve?

National banks chartered by the Office of the Comptroller of the Currency are members of the Federal Reserve System. The Office of the Comptroller of the Currency is part of the Department of the Treasury. State banks may apply for membership as well.

Is there a limit to the interest rate a bank can charge?

The rate of interest national banks may charge on credit cards and other types of loan accounts is not determined by Federal banking laws and regulations. The maximum interest rate is set by State law in the State where the bank is headquartered. Moreover, national banks can export the interest rates of that

Why doesn’t a national bank have to cash a check that is drawn on them?

There is no federal law or regulation that requires national banks to cash checks for noncustomers. Most banks have policies that allow check cashing services only for customers who have an account with them in order to protect both themselves and their customers from forgeries. If a national bank cashes a check that

If I bank by telephone or the Internet, are my legal protections the same as when I bank in person?

Yes. In addition, you’re protected by the Electronic Fund Transfer Act, which governs consumer rights involving errors in the handling of electronic deposits, payments or withdrawals, and limits on consumer liability for unauthorized transfers.

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