Find the latest bank rate promotions. Review bank promotions to find the latest bank deal on a variety of bank products and services. Browse the best interest rates offered on new bank promotions by the nations top banks. Compare the latest bank promotions and bank rate promotions to find the best bank accounts to fit your needs. Current bank rates promotions on CD rates, savings account rates, money market acount rates, mortgage rates, checking accounts and more. Compare the top bank promotions and bank deals from the nations largest banks as well as local and regional banks. See interest rate offers on bank promotions for the highest CD interest rates and lowest mortgage rates. Get current bank interest rate promotions for a variety of bank rates from savings rates to lending rates. Bank promotions listed are availbale at FDIC insured banks.
 

Crestmark Bank Best CD Rates in Nation

TIAA Direct Ramps UP CD Rates Nationwide

High CD Rates at Small, Community Bank in Enterprise, Kansas

Local CD Rate Promotion at Texas Exchange Bank

NASB Checking and CD Rate Promotion

PlainsCapital Bank May CD Rate Promotion in Texas

Two CD Rate Promotions in Central New York with PathFinder Bank

Dallas Area CD Rate Promotion at United Texas Bank

Bank CD with Rate Bump Up and Loan Option at Tioga-Franklin

Spring CD Rate Promotion in Southern IL with Dieterich Bank

Albany Bank CD Rate Promotion in Chicago

14 Month CD Rate Promotion in CT and RI

Primary Bank CD and Money Market Rate Promotion

Cincinnati CD Rate Promotion at Watch Hill Bank

15 Month Prime Rate CD in St Louis with Royal Banks

New CD Rate Promotion in NE with Cornerstone Bank with a Twist

New High Yield 1 Year CD Rate Promotion at Cross River Bank

Seneca Savings 13 Month CD Rate Promotion

HSBC bank Short-Term High Yield Certificate of Deposit Promotion

New Online Banking Division Offering Top CD Rates

Best One Year CD Rate Nationwide Available at a Credit Union

Central Iowa CD Rate Promotion at VisionBank

Coastal Heritage Bank South Shore CD Rate Promotion

Two New Online CD Rate Promotions Suitable for a Variety of Savings Needs

Freedom Bank of Virginia Long Term CD Rate Promotion

Geauga Savings Bank 7 Month CD Rate Promotion

ParkeBank End of Summer CD Rate Promotion

Bank 21 CD Rate Promotion in West Central Missouri

CD Rate Promotion in Iowa and Arizona at Bankers Trust

CD Rate Promotion in Northwestern Illinois at First Trust & Savings

High Yield CDs and CD Rates at Popular Direct

MA CD Rate Promotion at Everett Co-operative Bank

EvaBank Special CD Rate in Alabama

Long Term Jumbo CD Rates at First Federal

Eastbank CD Rate Promotion in NY

Walpole Cooperative Bank CD Rates Promotion

Wilshire Bank Checking and CD Rate Promotion

Bank of Southern California CD Rate Promotion

Needham Bank CD Rate Promotion in Massachusetts

Coastal Heritage Bank CD Rate Promotion in MA South Shore

Florida Community Bank CD Rate Promotion 18 Month Term

Green Bank CD Rate Promotion

Lakeside Bank Short Term CD Rate Promotion

Washington Savings High Yield CD Rate Promotion in Philadelphia

BMO Harris CD Rate Specials

Top Midterm CD Rate with Florida Community Bank

Colorado Federal Best One Year CD Rate Promotion

Texas CD Rate Promotion at Triumph Savings Bank

Avon Cooperative Bank CD Rate Promotion

Kinderhook Bank Short Term NY CD Rate Promotion

Chicopee Savings Bank CD Rate Promotion

Wide Selection of Bump Up CD Rate Promotions

E Loan CD Rates Get a Bump

Massachusetts CD Rate Promotion at BankGloucester

Live Oak Bank Makes Second Big CD Rate Promotion

Bankers Trust Spring CD Rate Promotion

Live Oak Bank CD Rate Promotion on 5 Year Account

People’s United Bank 18 Month CD Rate Promotion

Central Bank in FL CD Rate Increases

Wallkill Valley Federal 2 Year CD Rate Promotion

Capitol Federal Savings CD Rate Promotion

iGObanking One Year CD Rate Promotion

Big Short Term CD Rate Promotion with CalFirst Bank

First United Bank TX and OK CD Rate Promotion

First Priority Bank 18 Month CD Rate Promotion

BankDirect Back with High Yielding CD Rates

NASB CD Rate Promotion

Regions Mortgage Rolls Out New First Time Home Buyer Program

Wilshire Bank California CD Rate Promotion

CSBdirect CD Rate Promotion Highest in Nation

Darien Rowayton Bank CT CD Rate Promotion

Bank of China CD Rate 2.68% Promotion in RMB

NexBank CD Rate Promotion

FirstBank College Savings Plan Promotion

Lake City Bank CD Rate Promotion

Best CD Rates in Covina CA with Simplicity

Ft Walton Beach Community Bank CD Rate Promotion

Amboy Direct Savings Account $50 Bonus

Susquehanna Bank CD Rate Promotion Spring 2014

Top Ten CD Rates April 2014

Best Bank CD Rates for 2014

Seacoast Commerce Bank has the Top Short Term Bank Rates

Free Checking and $100 Gift Card at Northampton Bank

Fairport Savings Bank Rates on New CD Promotion

Checking Account Promotion at CertusBank

Big Texas CD Rates from a Tiny Texas Bank

50 Dollar Bonus for Opening a New Checking Account with Bank of Albuquerque

Super Bowl CD Rates in Baltimore at Liberty Bank

Alliance Bank Mortgage Rates in Central NY

Cambridge Mortgage Rates at Cambridge Savings Bank

CD Rates in Delaware with Community Bank Delaware

State Farm Bank Mortgage Rates in Illinois Today

Arkansas CD Rates at Bank of Gravett

Current GMAC Mortgage Rates in Indiana November 27, 2012

The Best Cowboy CD Rates in Wyoming with Cowboy State Bank

Long Term CD Rates in MA with S Bank

CD Rate Promotion in Illinois at Cole Taylor Bank

Isabella Bank Mortgage Rates in Michigan

West Shore Bank Michigan Mortgage Rates September 4, 2012

New Hampshire Mortgage Rates at Profile Bank

Kansas CD Rates at Olpe State Bank

WI Mortgage Rates at River Falls State Bank

Philadelphia CD Rates at United Bank of Philadelphia

State Bank of Chrisman CD Rates in Southeast Illinois

MA Mortgage Rates at East Cambridge Savings

CD Rates in Kentucky at KNB

Wells Mortgage Rates, Chase Mortgage Rates and Bank America Rates July 3, 2012

GMAC Mortgage Rates in NJ

Mississippi CD Rates at Bank of Holly Springs

Illinois Mortgage Rates at Liberty Bank for Savings

Bank of Texas Mortgage Rates

CD Rates Offered in NJ at Schuyler Savings

Current Rhode Island Mortgage Rates at Bristol County Savings Bank

BayCoast Bank CD Rates for MA and Rhode Island May 2012

NY CD Rates at Walden Savings Bank

Wayne Bank Mortgage Rates in PA April 2012

Missouri Mortgage Rates at St Johns Bank

Kansas Mortgage Rates at Douglas County Bank

PA Mortgage Rates at Hatboro Federal

Mortgage Rates in Indiana, Illinois and Michigan at Salin Bank

Virginia Mortgage Rates at Franklin Federal Bank

Bank Mortgage Rates in CT with Newton Savings Bank

Mortgage Loans and Rates Available at Watertown Savings Bank in Massachusetts

Ohio Mortgage Loans and Rates at LCNB Bank

CoreFirst Bank Mortgage Rates in KS and CO

Oklahoma Mortgage Rates from American Heritage Bank

Alabama Mortgage Rates from Bank Independent

Oregon Mortgage Rates with West Coast Bank

California Mortgage Rates and Mortgage Loans with Tri Counties Bank

Pennsylvania Mortgage Rates with ACNB Bank

Florida Mortgage Rates at Capital City Bank

Under Four Percent Mortgage Rates at Capital One

California Mortgage Rates with Cathay Bank

PA Mortgage Rates at First National Bank of PA

Whitney Mortgage Rates November 3, 2011

CA Mortgage Rates at Cal Bank and Trust October 28, 2011

Susquehanna Bank Mortgage Rates October 19, 2011

Peoples United Mortgage Rates October 12, 2011

Bank of Internet Mortgage Rates September 18, 2011

Missouri CD Rates with Heartland Bank

Online CDs and Savings Account Rates with Heartland Direct

South Carolina CD Rates at Greer State Bank

CD Rates in Delaware at Artisans Bank

Bank CDs Tied to Commodity Prices with EverBank

The Best CD Rates in CA Pacific Alliance

Bank of the West Best Savings Account Rates

Illinois CD Rate Promotion at Great American Bank

Best Short Term CD Interest Rate at AmTrust Direct

Harris Bank CD Rate Special

CD Rates in Florida with Oceanside Bank

CNBBankDirect Savings Rates and CD Interest Rates

MI CD Rates at First National Bank of Norway

CA CD Rates with Luther Burbank Savings

AZ CD Rates and NM CD Rates with First Community Bank

California CD Rates with Compass Bank

NY CD Rates with Wilber National Bank

CD Rates in New Jersey with Sturdy Savings Bank

CD Rates in Illinois with Glenview State Bank

New Jersey CD Rates with Atlantic Stewardship Bank

Ohio CD Rates at Killbuck Savings Bank

PA CD Rates at Royal Bank America

Minnesota CD Rates with Think Mutual Bank

Georgia CD Rates at The National Bank of Georgia

Florida CD rates at 1st National Bank of South Florida

Utah CD Rates with Bank of Utah

CD Rates in Florida with Eurobank

Ohio CD Rates First Place Bank

CD Rates in Alabama at Bank Independent

Wisconsin CD Rates at Tri City National Bank

Bank CD Rates in Texas at ViewPoint Bank

Choice Financial Almost the Best One Year CD Rate

MA CD Rates at South Adams Savings Bank

NY CD Rates at Ulster Savings Bank

CD Rates in New York with Chemung Canal Trust

Nebraska CD Rates at West Gate Bank

CD Rates in Arizona at Copper Star Bank

MD CD Rates at Damascus Community Bank

Virginia CD Rates at National Bank

CD Rates in MD with First Shore Federal

Illinois CD Rates at South Central Bank

CD Rates in California at American Riviera Bank

California CD Rates at Murphy Bank

Bank CD Interest Rates at Cumberland Security Bank Kentucky

CD Rates in California at Charter Oak Bank

Texas CD Rates at Castroville State Bank

NY CD rates at Walden Savings Bank

California CD Rates at East West Bank

Florida CD Rates at Wakulla Bank

New Resource Bank California CD Rates

CD Interest Rates at Domestic Bank

Maryland CD Rates with Harford Bank

Continental National Bank’s South Florida CD Rates

Espírito Santo Bank, South Florida CD Rates

South Florida CD Rates at Royal Palm Bank

Virginia CD Rates at EVB Bank

Texas CD Rates at Blanco National Bank in TX

Texas CD Rates at Westbound Bank

California CD Rates at Savings Bank of Mendocino County

CD Rates in NY at First Niagara Bank

Bank CDs at Investar Bank Louisiana

Pennsylvania CD Rates at NOVA Bank

StellarOne Bank VA CD Rates

CA CD Rates at Far East National Bank

New York CD Rates with Bank Of Utica

VA CD Rates at Bank of the James

1st Colonial National Bank CD Rates NJ

CA CD Rates at Home Bank of California

CA CD Rates at First Mountain Bank

CD Rates Maryland at Chesapeake Bank of Maryland

CD Rates New York with Carver Federal Savings Bank

CD Rates Virginia at Chesapeake Bank

Bank CD Rates NJ with Liberty Bell Bank

NJ CD Rates with PGB

CD Rates in California with Borrego Springs Bank

Ohio CD Rates at Greenville National Bank

CD Rates at Sugar River Bank

California CD Rates at Golden State Bank

CD Rates California with Universal Bank

Bank CD Rates at Dutton State Bank

Florida CD Rates at Platinum Bank

CD Rates New York with Rondout Savings Bank

Florida CD Rates with Alarion Bank

Brannen Bank, Florida CD Rates

NY CD Rates at Alpine Capital Bank

Bank of Star Valley CD Rates

Five Star Bank CD Rates in California

Scott Valley Bank Rates

Trans Pacific National Bank California CD Rates

Jonah Bank of Wyoming CD Rates

Wyoming CD Rates at Big Horn Federal

California CD Rates at Silvergate Bank

The Rawlins National Bank CD Rates

CD Rates at Balboa Thrift and Loan

Visalia Community Bank CD Rates

Kent Bank CD Rates Illinois

Apple Valley Bank CD Rates, Connecticut

CD Rates with Lotus Bank in Michigan

Michigan CD Rates at Bank of Birmingham

Michigan CD Rates and Bank Rates at Level One Bank

Audubon Savings Bank CD Rates NJ

Maryland CD Rates at Kopernik

Investments and CD Rates with Wedbush Bank

Bank of Napa CD Rates California

CD Rates, Money Market Rates in New Jersey with Magyar Bank

Massachustts CD and Money Market Rates at Weymouth Bank

New Jersey CD Rates at Newfield National Bank

East Texas CD Rates at City National Bank

Fireside Bank CD Rates in California

Savings and CD Rates at Saigon National Bank

Green CD Rates

Savings Rates and CD Rates Providence Bank

Florida Bank Rates and CD Rates at Central Bank

Mother Lode CD Rates

Bank Rates and CD Rates at California General

Pennsylvania CD Rates with Manor Bank

California CD Rates at American Plus Bank

California CD Rates Coronado First Bank

CD Rates New York at Oneida Savings

CD Rates in MA with Watertown Savings Bank

Illinois CD Rates at State Bank of Bement

CD Rates in New York at Watertown Savings Bank

Texas CD Rates, Oglesby State Bank

Illinois CD Rates at Bank of Chestnut

CD Rates at Silver Lake Bank

Kansas CD Rates First National Bank

Community Capital Bank CD Rates

Alaska CD Rates at Northrim

Bank Rates with Newburyport Five Cents Savings Bank

CD Rates Dakota County State Bank

More Mass. CD Rates

Massachusetts CD Rates, Bank of Fall River

Custer Federal Bank CD Rates

CD Rates at Adams Bank & Trust

Bank CD Rates in Baldwin County

CD Rates with Renasant Bank

CD Rates at The Village Bank

Bank CD Rates at Wainwright Bank & Trust

CD Rates at South Coastal Bank

CD Rates at The Highlands Bank

McIntosh State Bank CD Rates

Great 9 Month CD Rate at Farmington Bank

Blue Valley Kansas CD Rates

CD Rates State Bank of Southern Utah

CD Rates at the Crossroads

CD Rates at Bank of Dudley

Bank of American Fork Bank CD Rates

Old Point Bank Rates

INTRUST Bank CD Rates

Barnes Banking Savings and CD Rates

CD Rates and ADM

St Tammany CD Rates

Bank Rates Virginia Commonwealth Bank

WestSide CD Rates

Benchmark Bank CD Rates

Bank CD Rates Eureka Homestead

CD Rates State-Investors Bank

1 Year, 2 Year and 3 Year CD Rates at The First

Bank of Zachary CD Rates

Red River CD Rates

Bank CD Rates at Earlham Savings Bank

Bank CD Rates and Steel Magnolias

CD Rates at Central Progressive Bank

Bank CD Rates with Camden National Bank

MidWestOne Bank CD Rates

Quad Cities CD Rates

CD Rates in Rhode Island

Tescott’s Bank CD Rates

Bank CD Rates at Capital Community Bank Utah

CD Rates not just for Truckers

CD Rates in Dubuque

Freedom National Bank CDs

VIST Bank CD Rates

CD Rates of Mena

More PA CD Rates

Certificate of Deposit Rates in Jonestown

Ohio CD Rates at The Bartlett Farmers Bank

Bank CD Rates in Oaks Village

Province Bank CD Rates

The Fort Jennings State Bank CD Rates

CD Interest Rates and a Capital Ratio of Over 40%

Bank Rates with First National Bank of Clarksdale

Alliance Bank Central Texas CDs

Industry State Bank, Texas CD Rates

Certificates of Deposit at Solon State Bank Iowa

Primebank CD Rates Iowa

Bank CDs Exchange State Bank and Insurance Iowa

American State Bank CDs in Iowa

CD Rates at BankIowa

CD Rates at American State Bank of Grygla, MN

Bank Rates at Nodaway Valley Bank Missouri

Progressive Ozark Bank Missouri CD Rates

Missouri CD Rates with First State Community Bank

Bank CD Rates – Bank of Bolivar

First National Bank Utah Bank CD Rates

CDs at Security Federal Savings Bank IN

Farmers National Bank Certificates of Deposit

Idaho Bank CD Rates, Home Federal Bank

Bankcda Idaho CD Rates

Bank Rates, First Federal Bank Kentucky

Kentucky CD Rates Victory Community Bank

Bank CD Rates at Twin River National Bank

Peoples Federal Savings Bank CD Rates

CD Rates with FCN Bank

Capital Pacific Bank CD Rates

CD Rates with First Bank

Bank CD Rates in Platteville

Bank CD Rates at Bank of Deerfield

Bank CD Rates Oregon Coast Bank

High Desert Bank CD Rates

CD Rates at South Valley Bank and Trust

Best CD Rates Evolve

CD Rates of Bank of Westminster

CD Rate Blues

CD Rates in South Carolina Bank of Anderson

CD Rates of Seneca National Bank

Mountain View Bank CD Rates

First Community Bank of Eastern ARK CD Rates

CD Rates in El Dorado

CD Rates North Valley Bank California

Community Business Bank CD Rates California

CD Rates with Community Business Bank Wisconsin

Bank CD Rates at Bank of Charles Town

The Best 9 Month CD Rate WV

CD Rates in the Sunshine State

CD Rate at Continental Bank

CD Rates at BANK’34

Bank CD Rates in Turbotville

PA CD Rates at MCS Bank

CD Rates Colorado, Gunnison Savings and Loan

New Mexico’s AmBank CD Rates.

CD Rates at Colorado National Bank

CD Rates in Colorado with First National Bank

Tampa Florida Home of the Best Game and the Best CD Rates

Super Bowl Bank CD Rates

Super Bowl Weekend CD Rates

Village Bank CD Rates, Minnesota

Best Near, 1 Year CD Rate in Wisconsin

CD Rates Union Bank Arizona

CD Rates at the Gold Canyon

CD Rate SharePlus

Top 5 Year CD Rates at Farmers National Bank

CD Rates at Bank of Holly Springs Mississippi

Great 2 Year CD Rate Minnesota

Best CD Rate California

MainStreet Savings and CD Rates

Central Illinois Bank CD Rates and More

CD Rate Prospects

CD Rates in Dupage County

CD Rate Specials in Michigan

CD Rates in Colorado at North Valley Bank

More CD Rates in Vegas

CD Rates – Bank of Albuquerque New Mexico

No Gambling with these CD Rates

Banking and CD Rates in the Berkshires

CD Rates at Peoples Trust Company Vermont

Vermont CD Rates

CD Rates in Athens – Athens Illinois

CD Rates with First Eagle Bank Illinois

Platinum Community Bank CD Rates Illinois

Bank CD Rates in Colorado with Signature Bank

CD Rates at Valley National Bank New Mexico

Bank CD Rates with Community Bank NM

Bank Rates in New Mexico, MyBank

CD Rates at New Frontier Bank Colorado

Mile High CD Rates

Inauguration CD Rates

Best D.C. CD Rates

Best Presidential CD Rates

High CD Rates from a Bank Helping the Community

More DC Bank Rates

The Best CD Rates in the Capital

CD Rates at Torrington Savings Bank

Nexity Bank CD Rates

CD Rates Nevada – Community Bank of Nevada

Service 1st Bank of Nevada, Top CD Rates

Nevada National Bank CD Rates and More

No Gambling in Las Vegas with Security Savings Bank CD Rates

Nevada Bank CD Rates at Nevada Bank and Trust

Great CD Rates in the Great Basin at Great Basin Bank

Iron Clad CD Rates at Iron Workers Bank in PA

High CD Rates at California Community Bank

CD Rates in Texas and California with Beal Bank

The Best CD Rates in the California Desert

California Oaks State Bank, Solid CD Rates

The Mission: CD Rates California, Mission Bank

CD Rates and Buiding Relationships

CD Rates at Nara Bank, a Community Bank with a Wide Reach

Ridgewood Savings Bank, Great NY CD Rates

California Bank CD Rates – Butte Community Bank

Best 6 Month CD Rate GMAC Bank

MA NY CD Rates, Legacy Banks

Local CD Rates NY – National Bank of Coxsackie

Best Bank CD Rates California, Washington and Oregon

Local CD Bank Rates California

CD Rates in California with Small Local Banks

CD Rates in New York at Bank of Smithtown

The Best CD rates in New York – Sawyer Savings Bank

CD Rates California

CD Rates California the Search Continues

CD Rates in California

More of the Best CD Rates in California

Searching for Highest CD Rates in California

Great CD Rates in Florida at Valrico State Bank

First State Bank offering some of the Highest CD Rates in Florida

Best CD Rates in Florida

The Best College Team is in Florida as are some of the Best CD Rates

The Best CD Rates in Florida to Complement the Best College Football Team

Riverside Bank gives time to celebrate with Top Florida CD Rates!

West Milton State Bank Makes you an Offer you cant Refuse

East River Bank, Great CD Rates in PA

Centric Bank in Central Pennsylvania

Community State Bank of Orbisonia

Valley Community Bank Free Checking Accounts Illinois

Halifax National Bank CD Rates and Checking

New Century Bank CD Rates

Highlighted CD Specials in Pennsylvania

CD Rates That Win in Austin Texas, Home of the Winning Longhorns

Austin Texas Home of Texas Longhorns and Great Free Checking

San Diego Chargers and the CD Rates at Temecula Valley Bank Can’t be Beat

Great Checking Account Rates and CD Rates at First Federal Bank of California

Best CD Rates at Amalgamated Bank

Best Short Term CD Rates in Arizona; the Home of the Playoff Bound Cardinals

Best 2 and 5 Year CD Rates in Arizona; the Home of the Playoff Bound Cardinals

Best CD Rates in Arizona; the Home of the Playoff Bound Cardinals

CD Rates at Allied First Bank

Best CD Rates in Maryland, Best Pro Football Team In Maryland

Focus on the Best CD Rates in Maryland after Ravens Win

Ravens Win and So Can the Customers of Midstate Federal Savings & Loan

Great Small Cap Stock, the Other Bank – The Bank of Castile

CD Rates at Busey Bank Florida

Best CD Rates in Indiana

Top CD Rates and Top Stock Performance

First Financial Bankshares Gained 47 Percent

Great CD Rates and an Even Better Small Cap Stock

Highest CD Rates in Michigan

Over 4% CD Less Than Two Year Term

Best Short Term CD Rate in South Carolina

End of Year Checking Account Promotion by Commerce Bank of Arizona

Top CD Rates in Alaska

It is Time to Visit Guam

Hawaiian Banks & CDs Part 5

Banking in Hawaii Part 4

Hawaiian Bank CDs Part 3

Spotlight on Hawaiian Bank CDs Continues

Spotlight on Hawaiian CD Rates

Great CD Rates in Idaho and Utah

Best One Year CD Rate in Kansas

Union Bank of California CD and Money Market Advertisement

The Highest Three Year CD Rate in Kentucky

The Best One, Two, Three in Louisiana

Highest Three Year CD Rate in Maine

The Best One Year CD Rate in Minnesota

Unbeatable Short Term CD Rates in Helena

The Highest CD Rates in Mississippi

Great CD Rates in Fargo

Top Long Term CD Rate for Residents of Nebraska

The Best Two Year CD Rate in Nevada

Best Short Term CD Rates in Oklahoma

Best One Year CD Rate in Oregon

Highest One Year CD in Rhode Island

Best One Year CD Rate in South Carolina

South Dakota CD Rate Spotlight

Best 2 Year CD Rate in Utah

Special CD Rates in Vermont

Best Five Year CD in West Virginia

Top Two Year CD Rate in Wyoming

Triple Play for Bank Rates in Phoenix

Best One Year CD Rate in Indiana

Wisconsin Bank Rates Getting Warmer

M & I Bank Goes Liquid

Tennessee Bank Offers Smorgasbord of CD Rates

Ocean Bank Specials in New Hampshire

The Midwest Gets Blanketed with 91 Day CD Rates from Midwest Bank

Highest Long Term CD Rates in Virginia

Highest Short Term CD Rates in Florida

Top One Year CD Rate in Illinois

Best Short Term Rates in Georgia

4.00% CD Rates in Pennsylvania

4.00% Rate on 10 Month CD, Union Bank Missouri

Best One Year CD Rate In Wisconsin

Higher Interest Rates at Carolina Premier Bank

Best Five Year CD in Pennsylvania

Best One Year CD Rate in New Jersey

State Farm Bank Interest Rates

NexBank One Year 4.00% CD Dallas, TX

Delaware Place Bank in Chicago CD Promotion

Best 3 Year CD Rate and Best Five Year CD Rate in Massachusetts

Oklahoma CD Rates with MidFirst Bank and Central National Bank

RiverBank Bump Rate CDs, Washington

Republic First Bank 7 month and 11 month CDs

National Penn Bank 13 Month CDs

The Best One Year CD Rate in Virginia – Potentially

Best Short Term CD Rates in Arizona

Peoples Community Bank Interest Bearing Checking Account

Top CD rates in Ohio at CenterBank

Dime Direct 4.10% CD and Money Market Account

Apple Bank Money Market Account, New York

Affinity Bank Big Checking

WaMu Checking Accounts

Best 6 Month CD Rates in Texas

4% 4 Year CD at 3rd Federal Bank

Huntington Linked-Rate CD

CD and Savings Rates at Pacific Premier Bank

Equity Bank Advertises CD Rates In Dallas Morning News

TCF Checking

Best One Year CD Rate in North Carolina

The Best Short Term CD Rates In New York

Great Short Term CD Rates with Hudson City Savings Bank

Parkway Bank CD Rates

A Top CD Ad in Illinois

The Best two Year CD Rates in Ohio

New Dominion Bank North Carolina CD Rates

Best One Year CD Rate In Tennessee

The Best Short Term CD Rates in New Jersey

Banco Popular on Top with Their Five Year CD Rates

Stonebridge Bank Pennsylvania, November 23rd, 2008

Arvest Bank CD Offer Arkansas Democrat-Gazette November 25, 2008

Great CD Rates, IndyMac is Back

CD Rates Change Before The Day Begins

New Bank Account in Illinois

The Best Long Term CD Rates in Washington

Great CD Rate in North Carolina

Top Savings Rate in Ohio

The Best Short Term CD Rate in Massachusetts

Best CD Rate in Massachusetts, November 21, 2008

Big CD Rates and Big Balances at TCF Bank November 21, 2008

Alliance Bank with One of the Top CD Rates in California

Short Term CD Rates by Downey Savings

Best Two Year and Five Year CD Rates in New York, Capital One Bank

Fifth Third Continues Strong Ad Campaign

Best Two Year and Five Year CD Rates in Texas

Best CD Rate in Washington Advertised in Seattle Times Post Intelligencer Nov. 16, 2008

National City Best CD Rates in Illinois Chicago Tribune Nov. 16, 2008

Best CD Rate Advertised in Minnesota Nov. 14, 2008

Top CD Rate in Connecticut

It Would Be Difficult To Find Better Rates, Omni National Bank, Nov. 13, 2008

Local Community Bank Delivers Top CD rates, Nov. 12, 2008

Illinois 15 Month CD Rate Advertised in Chicago Tribune Nov. 12, 2008

Top12 Month CD Rate Advertised in New Jersey Star-Ledger Nov. 12, 2008

Best Five Year CD Rate in Illinois, Harris N.A. Chicago Tribune Nov. 12, 2008

Best CD Rates in Massachusetts

Best CD Rates in Missouri, The Kansas City Star

Sterling Bank Best 6 Month CD Rate in California

MB Financial Bank Offering 3.60% Money Market Account Chicago

Fifth Third Bank Ad in The Columbus Dispatch, Top CD Rate in Ohio

Ridgestone Bank ad for 4 Month CD Best Rate in Illinois

Citizens Bank 3.90% CD offer makes Top 10 Rates in Pennsylvania

Republic First Bank Top Money Market in Philadelphia Inquirer

Heartland Bank 4.00% CD Columbus Dispatch Nov. 9th, 2008

Huntington Bank Promotional 4.00% One Year CD Columbus Dispatch Nov. 9th, 2008-11-09

Saigon National Bank 3.95% 12 Month CD California

Affinity Bank 7 Month 4.00% CD in California

Mercantile Bank 4.25% 12 Month CD in Tampa Tribune

Citibank 6 Month 4.00% CD Ad in Dallas Morning News

CapitalSource Bank 4% CD Rate in California

Sovereign Bank CDs and Money Market Savings

Capital One Bank CD Rates New Jersey

Crestmark Bank Best CD Rates in Nation

Crestmark Bank is currently promoting some of the most competitive CD rates in the banking industry this summer.  Rates that thrash the competition on a wide spectrum of account maturities.  The bank is based in Troy, Michigan but offers its high yield certificate accounts nationwide.

Crestmark CD account term lengths are flexible, ranging from one month to five years.  Initial investments range from $25,000.00 to $250,000.00.  Crestmark has the highest yielding CD rates on their accounts with terms of 18 months and less including the three month term certificates, six month term accounts, and one year maturities.  The ultra-short term CDs, less than six month terms to maturity, are also extremely competitive and soar above all competitors at the present time.

Highlights of the highest yielding Crestmark Bank certificates of deposit:

The bank’s three month term CD has a rate of return of 1.35%
The six month term certificate yields 1.50%
Nine month CDs earn 1.55%
A one year CD has a rate of 1.70%
The 18 month maturing certificate has a 1.75% yield

Rates shown are for new Crestmark certificates of deposit.  Crestmark CDs provide simple interest, not compounded interest and are based on the annual percentage yield, or APY.  When the CD matures, it automatically renews, unless the account holder chooses to withdraw their money or transfer it to another CD with different terms.

The fixed rates of return offer a safe, predictable, way for customers of the bank to grow their money with little effort and no worry.  Crestmark Bank certificates are FDIC-insured at the maximum levels allowed by law.  Account holders can be confident their money is safe and working for them.

Crestmark Bank is primarily a business-to-business lender.  The bank offers a full suite of products and services to businesses and consumers through its retail bank branch in Troy, Michigan.  The bank also operates a number of business offices in Bloomfield Hills, Michigan; Baton Rouge, Louisiana; Boynton Beach, Florida; Franklin, Tennessee; Los Angeles, California; and New York, New York; as well as sales representation throughout the country.

More information regarding the bank CD rates and the account terms can be obtained by contacting a Crestmark Bank customer service representative at 866.556.5586.

CD rates subject to change prior to opening an account.  Rates listed are accurate as of July 17, 2017.  Additional terms and conditions may apply.

TIAA Direct Ramps UP CD Rates Nationwide

TIAA Direct has ratcheted up the interest rates offered on most all of the certificates of deposit promoted by the bank.  The recent CD rate increases make these accounts extremely competitive among the top national rates and are significantly higher the average rates offered by the nation’s banks.

While the bank has pushed their rates higher across a wide swath of certificate maturities, the most desirable terms include the one year CD term, 18 month term, two year, and five year maturities.

The bank’s one year CD is currently more than five times the national average certificate rate, the two year term account is more than four times the national average rate, and the five year exceeds three times the national average.

TIAA Direct current CD rates include:

Six month CD rate at TIAA is 0.85%
Nine month account is at 0.93%
One year CD rate is 1.45%
18 month certificate yields 1.66%
Two year account is 1.81%
Three year certificate earns 2.00%
Four year CD rate is 2.15%
And a five year account has a 2.30% rate of return

CD rates are current as of July 8th, 2017 and are subject to change at any time.  The interest rate and Annual Percentage Yield on a new account will be determined on the day the qualifying initial deposit is credited to the account.  Interest is compounded every day and credited to the account monthly.  Minimum balance to open an account and obtain the annual percentage yield disclosed is $1,000.00.

A penalty may be imposed for withdrawals before maturity.  Withdrawal of interest prior to maturity is allowed, the annual percentage yield however assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

CD accounts can be opened online only.  Accounts can be funded by transfers made from another bank online, by check, or from funds held in an existing TIAA Direct account.  Additional terms and conditions may apply.

TIAA Direct is the online banking division of TIAA, FSB.  The bank is based in in St. Louis, Missouri and is part of TIAA (The Teachers Insurance and Annuity Association of America).  TIAA has over $925 billion in assets under management and offers a wide range of financial solutions, including investing, banking, advice and education, and retirement services.

More information regarding the CD rates offered by TIAA Direct as well as the other banking products available can be obtained by calling a bank representative at 855-842-2372.

High CD Rates at Small, Community Bank in Enterprise, Kansas

Dickinson County Bank of Enterprise, Kansas is currently offering some of the highest CD rates in Central Kansas.  CD rates promoted by this one branch bank are well above the national average and, for some maturities, above the best CD rates available nationally.

Among the high yield certificates of deposit offered by Dickinson County Bank include a one year CD rate at 1.11%, an 18 month term CD rate at 1.20%, a two year CD that earns 1.31%, a three year certificate with an interest rate of 1.51%, and five year CD rate at 2.51%.

Compared to the average bank rates on comparable term accounts, the Dickinson County Bank one year CD is more than four times the national average rate while the two year and five year CDs at Dickinson are more than three times the national average rate.

With each certificate of deposit, the account holder invests their money for a specific period of time to receive high interest rates, with the rate based on the length of time of the investment.  Certificate accounts have a guaranteed, fixed rate of return.  All of the bank CDs require a minimum $1,000.00 deposit to open an account and earn the advertised Annual Percentage Yield.  On all CD’s, a fee will be charged for early withdrawal.

Dickinson County Bank is a small, independent community bank.  Measured by asset size, the bank is 249 out of 253 FDIC insured banks in the state.  The bank has one location in the heart of Central Kansas.

CD rates in Kansas offered by the bank are current as of June 22, 2017 and are subject to change.  Additional terms and conditions may apply.  For more information on the bank rates and other products offered by Dickinson County Bank, a bank customer service representative can be reached by calling 785-263-8400.

Local CD Rate Promotion at Texas Exchange Bank

Texas residents have the opportunity to earn one of the highest rates of return on midterm CDs through a recent promotion at Texas Exchange Bank.  Texas Exchange Bank is offering four different certificates of deposit with yields that dwarf the national average rate for comparable term accounts.

The four CD terms include a six month maturing certificate, a one year account, two year account, and a three year term account.  There is a minimum deposit of $10,000.00 needed to open one of the promotional accounts. CD rates on these accounts vary slightly based on the location where the account is opened.

For accounts in the Dallas region, the CD rate promotion include:
A six month CD rate at 1.26%
One year CD rate at 1.66%
Two year CD interest rate at 1.76%
And a three year CD yield at 1.91%

For accounts in the Fort Worth area, the CD rates include:
Six month CD rate at 1.16%
One year CD rate at 1.51%
Two year CD interest rate at 1.76%
And a three year CD that earns 1.91%

For accounts in Houston, the CD rate promotion includes:
A six month CD rate of 1.16%
One year CD that yields 1.52%
And a 30 month term account with a rate of return at 1.66%

Additional rates and terms are available.  All promotional rates require a deposit of new money to the bank.  Standard terms available range from 30 days to 5 years.  Standard bank CDs require a minimum opening balance that can be as low as $500.00, depending on term.  Interest earnings can be distributed to the account holder via check, direct deposit into a Texas Exchange Bank checking, savings or money market account or by adding the interest to the CD account for compound earnings.

Texas Exchange Bank is one of top 100 largest banks based in the Lone Star State.  The bank is based Crowley, Texas with an additional branch in Fort Worth, and a loan production facility in Houston.

CD rates are current as of June 17, 2017 and are subject to change at any time.  Other terms and conditions may apply.  Further information about the current CD rates at Texas Exchange Bank can be obtained by calling the bank’s customer service number at (817) 297-4331 or toll free at (855) 714-7217.

More resources on the best CD rates in Texas can be found on the rate tables at SelectCDrates.com.

NASB Checking and CD Rate Promotion

NASB (North American Savings Bank) has a promotion for a high yield CD that tied to the balance held in a checking account with the bank.  The relationship based CD rates are among the highest in the region and are well above the national average rate for comparable term certificate accounts.

With the relationship based CD rate, the CD interest rate is calculated based on the account holder’s total NASB checking account balance(s).  There are four potential rate tiers available on the NASB certificates.  The lowest rate is based on a stand-alone CD.  The first relationship based tier is based on account holders that have checking account balances of $1,000 – $2,499.  CD rates jump a little higher for account holders that have checking account balances of $2,500 – $9,999.  The best CD rates are available to customers that have checking account balances greater than $10,000.00.

The best CD rates available are found on the 17 month term and two year term certificates.  With checking account balances of $10,000.00 of more, the 17 month CD rate is 1.36% while the two year CD rate is 2.02%.

When compared to the national average rate for a two year term bank CD, the NASB CD is more than five times the average rate, current two year national average rate is 0.40% (source: https://www.fdic.gov/regulations/resources/rates).

A CD base interest rate is guaranteed for the term of the CD, the additional Relationship CD rate will vary daily based upon aggregate checking balances.  Annual Percentage Yield offered assumes reinvestment of principal and interest at the same rate.  Early withdrawal penalty may apply. Fees can reduce earnings on the account.  All of the bank CDs may be opened as Individual Retirement Accounts (IRA CDs).

North American Savings (NASB) is a community bank headquartered in Grandview, Missouri.  NASB serves the financial needs of customers by providing an array of personal banking, investment and lending products in the Kansas City metro area.  Nationwide, NASB offers competitive residential and commercial mortgages.

More information about the bank CD rates or other products offered by the institution can be obtained by calling an NASB customer service representative at 800-677-6267 or by visiting one of the local banking branches.  Accounts can be opened online or through the NASB bank branches located in Excelsior Springs, Gladstone, Grandview, Harrisonville, Independence, Kansas City, Lee’s Summit, Lexington, Odessa, Platte City, and St. Joseph, Missouri.

The listed bank rates are accurate as of 6/2/2017 and are subject to change.  Additional terms and conditions may apply.

PlainsCapital Bank May CD Rate Promotion in Texas

PlainsCapital Bank has a new certificate of deposit promotion for Texas banking customers.  The bank’s CD promotion includes three different maturities, all with yields that are well above the national average rate on comparable term accounts.  Regrettably, not all consumers can share in the returns offered by PlainsCapital.  The outsized CD rates are only available to savers and investors in the Texas market served by the bank.

The three maturities in the PlainsCapital Bank certificate of deposit promotion include a 10 month term CD, 13 month term, and 19 month term certificate.  $1,000 minimum balance is required to open one of the CDs and obtain the annual percentage yield advertised.  And for the big money customers, the CD rates are valid for balances up to $5 million.

The 10 month CD rate is 1.00%, the 13 month has a 1.26% rates of return, and the 19 month CD rate is 1.51%.  With the average one year CD rate earning a paltry 0.25% (source: https://www.fdic.gov/regulations/resources/rates/), PlainsCapital’s promotional rates are four times the national rate on the bank’s short maturity promotion, five times on the 13 month, and six times the national one year rate on the 19 month.

PlainsCapital Bank is a Dallas-based, FDIC insured financial institution.  The bank is the sixth-largest Texas headquartered bank by deposit market share and operates more than 6o bank branches In the Lone Star state.  PlainsCapital Bank serves a number of Texas major markets including: Austin, Corpus Christi, Dallas, El Paso, Fort Worth, Houston, Lubbock, the Rio Grande Valley and San Antonio.

Along with personal bank products and services, PlainsCapital offers commercial lending, treasury management, small business banking, private banking, and trust and wealth management services.

More information about the CD rates in Texas and the current bank promotion offered by PlainsCapital Bank can be obtained by calling a customer service representative at 866.762.8392.

All rates subject to change at bank’s discretion.  A fee will be imposed for early withdrawal from CDs and IRAs.  Early withdrawal fees on CD’s will reduce earnings on the CD.  All interest is compounded quarterly and can be paid out or capitalized quarterly based on customer’s discretion.  Interest payments requested on a basis more frequent than quarterly will have a reduced interest rate.  Additional terms and conditions may apply.

Two CD Rate Promotions in Central New York with PathFinder Bank

Savers and investors in central New York state can now get their hands on a couple certificates of deposit that have rates of return well above the national average, thanks to a new rate promotion available at PathFinder Bank.

PathFinder Bank has two new CD rate promotions in NY, one with an odd term, 10 month maturity and another with a more traditional, 18 month term to maturity.  The rates offered on these accounts run almost five times the national average rate on comparable term accounts with low, $1,000.00 minimum deposit requirements.

The 10 month CD rate has a 1.00% annual percentage yield (APY) for deposits of $1,000.00 on up to $19,999.00.  This account has a tiered rate structure with higher balances earning higher rates of return.  Depositors can earn up to 20 additional basis or 0.20% with larger deposits.  The 18 month CD rate comes with a 1.65% APY for deposits of $1,000.00 on up with no tiered rate structure.

In comparison to the average national rates for comparable term accounts, the national average rate for a one year CD is 0.24% while the average rate on a two year bank CD is 0.39%.  PathFinder’s CD rates on these promotions are clearly crushing the competition.

Additional bank CDs are available with market based rates.  All CDs have fixed rates for the term of the account with exceptions on the bank’s special CD accounts. Standard CD terms range from 30 days to 7 years.

Certificates with unusual terms and conditions are marketed by the bank as well.  PathFinder offers step up CDs that provide the account holder the option to cash in on rising interest rates once during the term.  An E-Z Open CD is available that can be opened with a low $25.00 minimum deposit requirement and additional deposits are accepted throughout term.

Early withdrawal is subject to penalty. Fees may reduce earnings on the CD accounts. Additional terms and conditions may apply.

Pathfinder Bank is a New York State chartered commercial bank headquartered in
Oswego, NY.  The bank has nine full service offices located in Oswego and Onondaga County.  More information about the bank CD rates in NY and the current account promotion can be obtained by calling a PathFinder Bank customer service representative at 800-811-5620.

Dallas Area CD Rate Promotion at United Texas Bank

United Texas Bank has recently introduced a mid-term certificate of deposit with an interest rate that is almost five times the national average.  With a term of two years on the current account promotion, the bank CD has an annual percentage yield of 1.75%.  The yield is one of the best two year yields in the Dallas metro region and compares very favorably to the national average rate which is just 0.39% for two year term accounts. (Source: www.fdic.gov/regulations/resources/rates).

There is a minimum balance requirement of $5,000.00 on the certificate in order to open an account and earn the advertised yield.  Account holders will be paid the interest rate disclosed at account opening until the maturity date of the certificate.  Interest earned is compounded on an annual basis, and interest will also be credited on an annual basis.

The bank uses the daily balance method to calculate the interest on the CD accounts.  This method applies a daily periodic interest rate to the principal in the account each day.

This a fixed term and fixed rate account.  Account holders may not make any additional deposits into the account before maturity.  Withdrawals of principal from the account before maturity will be assessed an early withdrawal penalty.  Interest credited during the term before maturity may be withdrawn without penalty.  The fee imposed will equal six months interest on the amount withdrawn subject to penalty.

United Texas Bank offers additional certificates with varying terms and interest rates. Standard CDs can be opened with as little as $1,000.00.  Bank CDs are automatically renewable for a like term at maturity at the interest rate offered by the bank at that time.

United Texas Bank is based in Dallas, Texas.  The bank is the 14th largest bank headquartered in Dallas with approximately $400 million in total assets.  United Texas operates two bank branches in the region.  More information about the bank CD promotion and bank rates can be obtained by calling a United Texas Bank customer service representative at 972-239-7000.

This is a limited time promotion.  Rates are current as of May 4, 2017 and are subject to change at any time prior top opening an account.  The annual percentage yield listed assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Additional terms and conditions may apply.

Additional information on Texas CD rates can be found at the rate tables listed at SelectCDrates.com.

Bank CD with Rate Bump Up and Loan Option at Tioga-Franklin

Tioga-Franklin Savings Bank is marketing a novel certificate of deposit that comes with some intriguing bells and whistles.  The bank CD is marketed as a cure for traditional certificates that are not the most exciting way to invest your savings with low returns and the constant expectation of rising rates.

Tioga-Franklin Savings Bank’s new CD is an excellent solution to that dilemma, according to the bank.  Whether or not you believe the propaganda, the CD attributes are compelling.  The term on the promotion CD is five years, the account is identified as the FRANKLIN GOLD account.

The account has a high yield right out of the gate with an APY of 2.10%, almost three times the national average rate for a five year CD.  Account holders also have an option during the term of the CD to get an increase to the current 5 year rate Tioga Franklin Savings Bank offers for the remaining term, at no cost to the account holder.  The rate increase option is available at any time during the original term of the account. Request must be in writing, e-mail, or in person.  This option can be exercised once over the original term of the account.

For account holders that think they may need access to their funds before the account reaches maturity, the bank provides a CD loan option.  Customers can borrow against their account balance at any time at 4.25%.  Certain terms and conditions apply.

The Tioga-Franklin account pays interest monthly, either by check or via direct deposit. Funds withdrawn prior to maturity are subject to early withdrawal penalties.  The penalty is based on the length of time the funds remained on deposit.  To determine the interest to be paid on the withdrawn funds, the bank will calculate the penalty portion attributed to the withdrawn funds and apply that factor first to the accrued interest and then to the principal portion of the funds withdrawn.

The minimum deposit required for this account is $5,000.00.  Standard certificate of deposit at Tioga-Franklin Savings Bank can be opened at with as little as $500.00.  This is a limited time promotion.  Rates current as of April 24, 2017 and are subject to change. Additional terms and conditions may apply.

Additional bank rate information on local PA CD rates can be found at SelectCDrates.com.

Spring CD Rate Promotion in Southern IL with Dieterich Bank

Dieterich Bank has new spring time CD rate promotion for customers in down state Illinois.  The bank is offering mid-term certificate of deposit with an odd term.  This CD account has a term to maturity of 15 months and a minimum balance requirement of just $500.00.  The CD promotion has an Annual Percentage Yield of 1.10%.

That’s a yield that is more than four time the national bank rate average for a one year term CD or almost three times the national average for a two year bank CD.  The certificates are federally insured as well.  No risk, high yield and federally insured savings with local service from a community bank.

Along with the 15 month term promotion, the bank is offering a longer term account as well.  Customers can also obtain a 35 month CD for a limited time with a CD rate of 1.61%.  This longer term account also has a $500.00 minimum deposit requirement.

Prospective account holder have to fill out a simple account application, set the term and maturity date according to their needs, either the 15 month maturity or 35 month maturity.  The funds will then be available once the full term is reached for another certificate account, a future investment opportunity, or another situation.

Both accounts may be assessed a penalty for early with drawl of principal from the account.  This means that before the expiration of the term chosen, the depositor should not withdraw the funds.  Early withdrawal penalties for either account are 12 months of earned interest.  Interest rates are fixed and guaranteed for the term of the CD.

Dieterich Bank certificates of deposit can provide an FDIC-insured alternative for the conservative portion of any savings plan or portfolio when savers are able to lock in a rate for a few months on up to several years.

Dieterich Bank is one of the 75 largest banks based in Illinois.  The bank has assets of approximately $600 million.  There are eight branches operated by the bank in Dieterich, Effingham, Belleview, Newton, St. Elmo, and Red Bud, IL.

Rates are current as of April 23, 2017 and are subject to change at any time prior to opening a n account.  Additional terms and conditions may apply.  More information about Illinois bank rates offered or the current account promotion can be obtained by calling a Dieterich Bank customer service representative at 800-699-9766.

Illinois investors should try to shop around for best CD rates in Illinois before opening a new account.

Albany Bank CD Rate Promotion in Chicago

CD rate shoppers located on the north side of Chicago and in the near north suburbs can now get their hands on a certificate of deposit that has an interest rate that exceeds the national average rate for comparable term accounts.  Albany Bank and Trust is offering a 15 month CD promotion with an Annual Percentage Yield (APY) of 1.15% for minimum deposits of $10,000.00.  That rate is almost five times the national bank rate average for one year term CDs and almost three time the average rate found on two year CD accounts.

Albany Bank, or Albank, offers a number of other CD products to meet the investment needs of their consumer clients in the Chicagoland area.  For deposits under $100,000.00, the bank offers 31 day CD rate terms, 91 day CD rates, 182 day rates, 1 year CD rates, 2 1/2 year terms, and 5 year accounts.

Jumbo certificates, deposits of $100,000 and over, are also available at Albank Bank.  Prospective customers can choose 30 day jumbo CD rates, 60 day jumbo CDs, 90 day accounts, 120 day certificates, 180 day CDs, 270 day terms, and 360 day jumbo CD rates

All standard accounts automatically renew.  Interest earned on the certificate is accrued daily, compounded and credited in accordance with the interest payment schedule credited to the account holder’s account or by bank check from the account’s issue date.  The rate of interest will be paid until the maturity date of the account.

The CD rate promotion APY is accurate as of February 10, 2017 and is subject to change at any time prior to opening an account.  The APY assumes that interest will remain on deposit until maturity.  A withdrawal of interest will reduce earnings.  Account holders must maintain the opening deposit amount in their account every day to obtain the APY.  Penalty may be assessed for early withdrawal. Additional terms and conditions may apply.

Albany Bank and Trust Company is amid-sized business bank with assets of approximately $500 million.  Albany Bank is oriented to business owners but also serves and assists many consumers, colleges and universities, not-for-profit groups, religious organizations and condominium/cooperative associations in meeting their financial goals.

More information about the bank CD rates in Chicago as well as the account terms and conditions offered by the bank can be obtained by calling an Albany Bank customer service representative at 773-267-7300.

14 Month CD Rate Promotion in CT and RI

Savings Institute Bank of Connecticut has a new CD rate promotion for banking customers in The Constitution State and Rhode Island.  The bank CD rate promotion is available to customers that open a special, odd term CD account.  The CD rate earned on the account can be enhanced by also maintaining one of the bank’s qualifying checking accounts.

The rate on this account, with the qualifying checking account, is almost six times the national bank rate average on a comparable one year term certificate account.  The CD rate promotion without the checking account is just shy of five times the national average rate for a one year account.

Bank customers that have a Savings Institute Choice Alliance checking account or Cash Back checking account can get the odd term, 14 month, CD at 1.40%.  Without a qualifying checking account, the promotional 14 month term CD rate is 1.15%.

Minimum deposit required to open the account and earn the Annual Percentage Yield (APY) is $500.00.  Maximum allowable deposit is $1,000,000. Substantial penalty for early withdrawal may apply.  Fees may reduce earnings of the account.

Savings Institute Bank & Trust is a community oriented financial institution headquartered in Willimantic, Connecticut.  The bank has been in operation since 1842.  Through its twenty five branch locations, the bank offers a full range of financial services to individuals, businesses and municipalities within its market area which predominantly covers the eastern region of Connecticut and Rhode Island.

The bank also offers a variety of other personal savings accounts you can use to reach your short-term savings goals and improve financial security.  Additional certificate of deposit terms range from 91 days to 7 years with guaranteed yields.  Interest rates and annual percentage yields vary based on term selected and the date the account is opened.  Interest earned on the account can be withdrawn anytime, without penalty.

Annual Percentage Yields effective as of 4/4/2017 and subject to change.  Listed APYs assume that principal and interest remain on deposit for the full term.  Additional terms and conditions may apply.  More information about the bank rates are available by contacting a Savings Institute customer service representative directly at (800) 423-0142.

Rate shoppers can compare additional CT CD rates and RI CD rates within the rate tables found at SelectCDrates.com.

Primary Bank CD and Money Market Rate Promotion

Primary Bank has been in business less than three years and the bank is already promoting some of the best consumer savings rates in the Granite State.  The bank’s current round of high yield account promotions include a three year certificate of deposit and a variable rate money market account.  The rate of return offered on these products are well above the national average for all banks and are among the top ten highest bank rates in New Hampshire.

Primary Bank is promoting a three year CD with an interest rate of 2.25%.  The three year certificate has no minimum deposit requirement.  At 2.25% Annual Percentage Yield (APY), the rate earned by account holders is almost 4 ½ times the national average rate found on three year bank CDs and it even beats the best three year CD rates currently available nationally.

The bank is also offering a money market account with an interest rate of 1.11%.  The rate on this account is more than ten times the average bank money market account rate.  A minimum deposit of $10,000.00 is required to open this account and earn the promotional rate.

Money market accounts are variable rate accounts, the interest rate earned can change over time at the bank’s discretion.  However, the Primary Bank money market promotion has an added bonus, the 1.11% yield is guaranteed until 1/11/18 after the account is opened.  The rate is subject to change at the bank’s discretion after 1/11/18.

Primary Bank is headquartered right here in Bedford, New Hampshire.  It is one of the newest banks in the nation, Primary opened its doors in July 2015.  The bank is a New Hampshire chartered commercial bank that primarily provides various banking services to small and medium-sized businesses and their owners, non-profits, professional service firms, and individuals in Southern New Hampshire.  Consumer deposit products offered by the bank include; checking accounts, certificate of deposits and money market accounts.

More information about the bank CD rates in NH or account terms can be obtained by calling a Primary Bank customer service representative at 603-310-7200.

Rate current as of April 2, 2017.  CD accounts offered by the bank have early withdrawal penalties.  Fees may reduce earnings.  Additional terms and conditions may apply.

Cincinnati CD Rate Promotion at Watch Hill Bank

Watch Hill Bank has a high yield CD rate promotion available to new and existing customers in Cincinnati.  The bank currently has a 12-month CD special with an Annual Percentage Yield of 1.50%.  New and existing banking customers can open the high yield CD, existing clients must open the account with new funds deposited with the bank.

The CD rate promotion has a rate of return that is well above the national average rate and surpasses the rates offered by Watch Hill’s banking peers in the Southwest, Ohio region.  The national average one year bank CD rate is currently 0.24%, placing the CD rate promotion at more than six times the national average rate. (Source: www.fdic.gov/regulations/resources/rates)

Minimum deposit requirement for the CD in Cincinnati from Watch Hill is $500.00.  A certificate can be opened in person at either one of the two bank branches located in Cincinnati.  Principal amounts invested in these accounts is always safe with full FDIC insurance support and the interest rate is guaranteed for the term.

The bank offers a variety of other personal certificates of deposit with varying terms to suit individual account holder needs.  Standard bank CD rates differ depending on the term of the certificate and current market rates.

At the end of the standard CD terms, the funds held in the account will automatically be rolled over into a new CD for the same term at the prevailing interest rates and APYs, or the account holder can cash out without renewing or move the funds it into another CD during the 7-day grace period provided.

Because rates change frequently according to market conditions, all advertised rates are subject to change.  Early withdrawal penalties apply to the CD rate promotion as well as the other fixed rate CDs offered by the bank. Additional terms and conditions may apply.

Watch Hill Bank is a locally operated, community bank that provides the full range of banking and lending services to individuals and businesses in the Greater Cincinnati and the Southwest Ohio area.  The bank has two full-service offices on Columbia Parkway and Beechmont Avenue in Cincinnati, OH.  More information about the bank CD rates in Ohio and account terms can be obtained by calling a Watch Hill Bank customer service representative at 513.231.7871.

15 Month Prime Rate CD in St Louis with Royal Banks

Increasing interest rates always presents a quandary from CD investors and savers.  Now, a bank in St Louis has a high yield CD that helps solves this quandary with an interest rate that starts out well above the competition, may increase if the Prime Rate increases, cannot go lower, and comes with FDIC guarantees.

Royal Banks of Missouri customers can get their hands on a certificate of deposit that has an interest rate tied to changes in the Prime Rate.  Not only does the rate on this account increase with the Prime Rate but the starting rate on day one is well above the national average rate on comparable bank CDs.  Like all CDs offered by the bank, the account is covered by FDIC insurance up to $250,000.00 per depositor.

The bank special CD is a variable rate account that will float at 35% of the Prime Rate.  The Prime Rate used to determine the CD interest rate will be based on The Wall Street Journal’s published Prime Rate.  The initial interest rate on the CD will be 1.40% and the effective Annual Percentage Yield (APY) will be 1.41%.  The interest rate will never fall below the initial rate at the time of opening.

The current rate on this CD is more than five times the national average rate found on one year term bank CD accounts and more than three time the national average bank CD rate for two year term CDs (source: FDIC, www.fdic.gov/regulations/resources/rates).

The current CD rates is based on the Wall St Journal Prime Rate effective as of 3/15/2017, which is currently 4.00%.  35% of the published rate comes to the 1.40%, the rate currently promoted by Royal Banks of Missouri.

There is also an option to add to the CD anytime during the 15 months.  The minimum opening deposit for this account is of $1,000.00.  Early withdrawal penalties will apply.  Fees may reduce earnings on this account.

The Royal Banks of Missouri certificate of deposit is a safe and secure way to earn higher interest rates on your savings for a fixed period of time.  In addition to the CD rate promotion, the bank has a variety of CD terms, customers can choose to invest their money anywhere from three to 60 months.

Account holders can manage their earning by combining their choice of time commitment, deposit amount, and either a fixed rate or floating rate account.  Interest checks may be requested on certificates of $10,000.00 or more, which would affect the APY disclosed above.

Interest rates offered above are subject to change without prior notice.  Additional terms and conditions may apply.

Royal Banks of Missouri is the wholly owned subsidiary of Royal Bancshares Inc, a bank holding company headquartered in University City, Missouri.  The bank remains locally owned and offers a full range of banking services to individuals and business clients in the St. Louis metropolitan area.  Royal Banks operate five locations in the St. Louis area.

More information about the bank rates in the St Lois market as well as the account terms offered by Royal Banks of Missouri can be obtained by calling a bank customer service representative at (314) 212-1500.

New CD Rate Promotion in NE with Cornerstone Bank with a Twist

Cornerstone Bank, based in Nebraska, is offering a new CD rate promotion with a twist.  The new certificate of deposit comes in two maturities and allows the account holder the option to increase the interest rate on the certificate once during the account term.  Customers of the Nebraska bank get a competitive interest rate when they open the account and the flexibility to bump it up later if rates begin to rise.

New and existing Cornerstone customers can choose either a 17 month term account or a 25 month term account.  Both accounts have a current CD rate of 1.50%.  These are fixed rate and fixed term accounts with one exception, the account holder has the option of upgrading to a higher rate one time for the remainder of the term if the bank CD rates change.

For the 17 month term account, the account holder can select a higher rate if the 12 month or 17 month CD interest rate at the bank goes up.  For the 25 month term account, the account holder can select a higher rate if the 24 month or 25 month CD interest rate at the bank goes up.

Minimum deposit for the bank certificates is $500.00.  Interest earned is compounded quarterly.  There may be a substantial penalty for early withdrawal.  The Annual Percentage Yields listed assumes interest will remain on deposit until maturity.  A withdrawal of interest will reduce earnings.

While the bank refers to these accounts as Jump-Up CDs, they are also commonly identified as bump-up CD accounts.  The bank has a variety of other options for customer looking to set aside funds for future savings goals.  A wide range of CD terms are available from 90 days on up to four years.

Cornerstone Bank is headquartered in York, NE.  The bank is one of the top ten largest banks based in Nebraska.  Cornerstone currently has 40 banking branches in 31 communities.  Other communities include: Albion, Aurora, Bartlett, Bradshaw, Central City, Clay Center, Columbus, Davenport, Edgar, Geneva, Glenvil, Grand Island, Guide Rock, Hampton, Harvard, Henderson, Hildreth, Marquette, McCool Junction, Monroe, North Loup, Polk, Rising City, Shelton, St. Edward, Stromsburg, Sutton, Waco, Wilcox and York. Cornerstone Bank is owned by First York Ban Corp. of York.

CD rates advertised are current as of March 27, 2017 and are subject to change at the bank’s discretion.  Additional terms and conditions may apply.  More information about the bank CD rates in Nebraska and account terms can be obtained by calling a Cornerstone Bank customer service representative at (800) 642-6608.

New High Yield 1 Year CD Rate Promotion at Cross River Bank

Cross River Bank has a new interest rate on their one year certificate of deposit that blows the doors off the competition.  This high yield 12 month term CD surpasses the rates offered by the local competition as well as the best one year CD rates available nationally.

Almost all banks offer certificates, but with a Cross River Bank Certificate, account holders get a rate of return that is far above industry averages.  Cross River Bank’s CD rate promotion has an Annual Percentage Yield (APY) of 1.51%.

The minimum deposit is tad steep at $50,000.00. But the rate on this account is currently over six times the national average rate for a one year bank CD.  The rate is also more than five basis points above the best nationally available one year CD rate.  And all this comes from a local community bank based in Fort Lee, NJ.

Cross River Bank is one of the top 50 largest banks based in NJ.  Along with having its headquarters in Fort Lee, the main bank branch is located in Teaneck, NJ.  Cross River Bank is Member FDIC and an Equal Housing Lender, FDIC deposit insurance is $250,000 per depositor.

For local savers and investors that are looking to invest long term or short term, the bank has a certificate that may just fit your needs.  Certificates of deposits remain a very safe investment.  It’s one of the best ways to earn more money while maintaining control over the funds saved and deposited.  As many consumers have already discovered, CDs are one of the best savings tools available today.  The bank’s other CDs come with many options at competitive rates.

The APY listed is accurate as of 2/21/2017.  The bank may change this promotional APY at any time without prior notice.  Account is available for new money only, which is defined as currently not on deposit at Cross Rive Bank.  Offer is available for a limited time only.  CDs are subject to penalty for early withdrawal.  Additional terms and restrictions may apply.

More information about the bank rates and account terms can be obtained by calling a Cross River Bank customer service representative at (201) 808-7000.  Additional rate information can be found at NJ CD rates.

Seneca Savings 13 Month CD Rate Promotion

Seneca Savings has recently pumped up the yield on their 13 month CD rate.  The new CD rate promotion at Seneca Savings has a rate of return of 1.56% for a 13 month term.  This odd term, CD account earns a rate of return that is more than six times the national average one year bank CD rate and outshines the best one year CD rates available nationally (1).

Fortunately for New York residents living in Central New York and Onondaga County the
Seneca Saving’s 13-month CD is available in their community.  Seneca Savings is based in Baldwinsville, N.Y. and has additional locations in North Syracuse and Liverpool, N.Y.

The ultra high yield certificate can be obtained with a low $500.00 deposit.  Interest earned on this bank account is compounded daily and posted quarterly.  A penalty may be imposed for early withdrawal.  This a fixed rate and fixed term account.  Once an account is opened, customers can make a great return without risking a drop in their earnings should rates go down or the market changes.

The CD rate and Annual Percentage Yield posted is current as of March 15, 2017 and is subject to change at any time.  Additional terms and conditions may apply.

Along with the high yield certificate of deposit promotion, Seneca Savings offers a multitude of other savings and CD options.  Additional certificate terms include maturities ranging from six months to two years.

In addition to the standard CDs, the bank also offers jumbo CD rates for deposits starting at $100,000.00.  Jumbo CD rates at Seneca have higher interest rates than those currently promoted on the standard accounts.

The savings product line marketed through the bank has something for a wide range of savers and investors in Central New York State.  For the most current interest rate and Annual Percentage Yield (APY) on the bank CDs, call a Seneca Savings customer service representative at 316-638-0233.

(1) The average one year bank CD rate is 0.24% based on data from the FDIC and the best one year CD rate available in all 50 states is currently 1.42%.

HSBC bank Short-Term High Yield Certificate of Deposit Promotion

HSBC Bank is offering a new 5-month CD rate promotion to new and existing customers.  The short term CD has an appealing 1.30% Annual Percentage Yield (APY) and requires a minimum deposit of $1,000.00 to open and obtain the advertised APY.

To qualify the high yield CD account, account holders must also have qualifying checking account with HSBC.  An HSBC Premier, Advance, Choice Checking or Basic Banking checking account is required to open the promotional CD.  The account must be opened with new money, deposits or investments not previously held by any member of the HSBC Group.

The promotional certificate of deposit and CD rate available at HSBC is an excellent savings options for consumers that have short term time horizons.  Savers and investors interested in longer term savings options will find a range of online CDs available through the bank.  Terms range from six months to four years.  As with the bank promotion, the online certificates require a minimum deposit of $1,000.00.  APYs on the online CDs are updated regularly on the bank website and may differ from the APYs offered at the HSBC Bank branches.

While the bank promotion is available nationwide, the offer can be obtained only through HSBC branches.  This is a limited time bank promotion that is set to expire on April 28, 2017.  A penalty may be imposed for early withdrawal, additional terms and conditions may apply.  HSBC reserves the right to change or terminate this offer in its sole discretion.

HSBC Bank is an FDIC insured bank that offers retail banking and wealth management, commercial banking, private banking, asset management, and global banking and markets segments.  The bank operates more than 229 bank branches throughout the United States.  There are over 145 in New York as well as branches in: California; Connecticut; Delaware; Washington, D.C.; Florida; Maryland; New Jersey; Pennsylvania; Virginia; and Washington

More information about the bank rates and account promotion can be obtained by calling an HSBC customer service representative at 800.975.4722.

New Online Banking Division Offering Top CD Rates

PurePoint Financial is a new entry into the market of online banking.  The bank is making a fairly dramatic entrance by offering some of the highest yielding savings rates and CD rates available in all 50 states.

As of this publication date, PurePoint Financial is offering the best one year CD rate at 1.40% along with one of the best savings account rates at 1.25%.  The bank also markets three additional certificates with very competitive rates but, ones that do not quite dominate their term category like the one year maturity.

Additional rates at PurePoint Financial include an 18 month CD rate with the same yield as the one year or 1.40%.  The bank offers a two year CD rate at 1.50%.  And PurePoint has a three year term certificate with an Annual Percentage Yield of 1.65%.

Contrary to some of the news reported about the bank, PurePoint Financial is not a new bank.  Rather, PurePoint Financial is a new online banking division of MUFG Union Bank, N.A.

MUFG Union Bank is one of the top 20 largest banks in the nation with over $115 billion in total assets.  MUFG Union Bank is a full-service bank with numerous offices across the United States.  At the beginning of 2017, the bank operated 365 branches, comprised primarily of retail banking branches in the West Coast states, along with commercial branches in Texas, Illinois, New York and Georgia, as well as two international offices.

The new online banking division is wholly owned and operated by MUFG Union Bank.  All accounts at PurePoint Financial are fully insured by the FDIC up to the maximum allowable per account type.  FDIC insurance for PurePoint is covered under the MUFG Union Bank FDIC insurance certificate.

The CD account Annual Percentage Yields (APYs) listed are accurate as of 02/28/2017 and are subject to change prior to opening an account.  The savings account is a variable rate account subject to change at any time.  There is a $10,000.00 minimum deposit needed to open and to obtain APY on the bank CDs and savings account.

Penalty for early withdrawal on the certificates may reduce account earnings.  APY assumes interest remains on deposit until maturity date.  Bank rates valid for accounts opened online.  Other rates may be available if account is opened in person or by phone.  Additional terms and conditions may apply.

More information about the bank rates and account terms offered by PurePoint Financial can be obtained by calling a bank customer service representative at 1.855.488.7873 or by visiting the bank web site at purepoint.com.

Best One Year CD Rate Nationwide Available at a Credit Union

The current, highest yielding one year CD rate is not available at your local bank branch.  In fact, the best one year CD rate available nationwide is not available at an online bank or any FDIC insured bank.  The best one year CD rate available to savers and investors in all 50 states comes from a credit union, a federally insured credit union.

The top yielding one year certificate available in all 50 states has an Annual Percentage Yield (APY) of 1.41%.  This certificate account can be obtained at Andrews Federal Credit Union based in Suitland, MD.

CDs, or share certificates as they are commonly known at credit unions, marketed through Andrews FCU are federally insured by the NCUA, a government agency similar to the FDIC.  Like the FDIC’s Deposit Insurance Fund, the NCUA administers the National Credit Union Share Insurance Fund, a federal insurance fund backed by the full faith and credit of the United States government.

The one year CD at Andrews has a minimum deposit requirement of $1,000.00.  The term on the account is fixed as is the interest rate.  The APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed.  Penalties apply for early withdrawal.  The one year certificate is also available as an IRA CD with the same APY and the same deposit requirements.  Deposits are insured up to at least $250,000 per individual depositor by NCUA.

Credit unions are member owned, not-for-profit organizations that offer accounts to members only.  The field of membership defines those persons and entities eligible for membership.  Generally, the field of membership is relatively narrow defined by select geographic regions, employment groups, or associations.

Andrews FCU offers membership to a variety of employment groups and association groups including members of the American Consumer Council.  Regular membership to ACC is available to any American consumer that supports the organization and has used or has purchased a major consumer product or service in the past three years.  The annual membership fee is $5.00.  As a consumer, you are able to join the American Consumer Council; members of the American Consumer Council are eligible to join Andrews Federal Credit Union.

The current CD rate offered by the credit union is more than six times the national average rate offered by banks as of February 6, 2017. (National bank rate data available through the FDIC at https://www.fdic.gov/regulations/resources/rates)

The certificate can be opened online or at any of ten credit union branches.  Andrews Federal has over $1.4 billion in assets and serves more than 119,000 members.  To learn more about Andrews Federal Credit Union and its current rates, or to become a member, call 800.487.5500 or visit the institution’s web site at www.andrewsfcu.org.

CD rates offered are subject to change at any time. Additional terms and conditions may apply.  The offered rate is current as of February 9, 2017.

Central Iowa CD Rate Promotion at VisionBank

VisionBank of Ames Iowa has a new, limited time CD rate promotion for central Iowa consumers.  The bank is offering a mid-term, 14 month CD with a rate of return that is well above the rates offered by the local competition.  In fact, the current CD rate on the bank’s promotion is more than six times the national average rate found on one year bank certificates. (source: fdic.gov/regulations/resources/rates)

The latest bank promotion from VisionBank provides a 1.40% Annual Percentage Yield (APY) on a 14 month term certificate.  The high yield account is available for deposit amounts between $1,000.00 and $99,999.00.  For jumbo CD account holders, deposit amounts of $100,000.00 and more, the CD rate is ratcheted up a notch higher at 1.50% APY.

The 14 month CD rate promotion can also be opened as an IRA CD. The IRA CD offers the same APY and the same deposit requirements.  By opening one of the high yield CD accounts or IRA CD accounts, savers can better position themselves for financial emergencies and the creation of wealth.

The FDIC insured bank CDs promoted by VisionBank can help account holders grow their savings in an account that’s as secure as locking money away in a safe.  The bank has a four star rating from BauerFinancial and is among the top 40 largest banks based in Iowa.

The CD APYs advertised are based on interest compounding annually or at maturity.  Interest rates and APYs subject to change daily before opening an account.  $1000.00 minimum deposit is required to open an account and earn the promoted rates.  Penalty for early withdrawal may apply.  CD rates are not applicable to public funds, institutional or out of state depositors without a primary checking relationship.

VisionBank serves customers in central Iowa through eight full service branches in Ames, Boone, Grimes, Huxley, and Ogden, IA.  VisionBank is a locally owned financial institution that offers a full service of retail, mortgage, consumer, commercial, commercial real estate, and agricultural deposit and lending products and services.

More information about the bank and bank rates offered in Iowa can be obtained by contacting a customer service representative at 800-574-8123.  Rate promotions are subject to change at any time, additional terms and conditions may apply.

Coastal Heritage Bank South Shore CD Rate Promotion

Savers and investors along the South Shore of Massachusetts that like the idea of keeping their money with a nearby financial institution may find the new high yield CD rate promotion at Coastal Heritage Bank an irresistible proposition.  Coastal Heritage has a stunning offer on 9 month and 12 month certificates of deposit.

The interest rate offered on these CDs is 1.60% regardless of which term is selected.  That’s a chart topping, 1.60% Annual Percentage Yield (APY) on a 9 or 12 month CD, consumer’s choice.

The rate on the Coastal Heritage Bank CD rate promotion beats the competition by a large margin, more than 7 times the national average rate on six month bank CDs or 7 times the national average rate on one year CDs.  (National average rates promulgated by the FDIC on January 17, 2017, https://www.fdic.gov/regulations/resources/rates)

Certificates of deposit at the bank are a great way to save money and earn interest, and are great for long-term savings goals.  Accounts are available to anyone with a new or existing personal checking account (new funds only). Interest rates and Annual Percentage Yields (APY) are fixed for the term selected until maturity.

CD promotion (APY) is accurate as of January 15th, 2017.  Minimum deposit of $1,000.00 to open account.  Accounts for personal accounts only. Maximum deposit of $500,000.00 per person.  Limit one account per person. Coastal Heritage Bank personal checking account required to open account.  A penalty may be imposed for early withdrawal. Offer subject to change.  This is a limited time offer by the bank.

New CD accounts can be opened at one of the nine Coastal Heritage Bank branches located throughout the South Shore of Massachusetts.  Coastal Heritage Bank is headquartered in Weymouth, MA and has additional branches located in East Bridgewater, Green Harbor, Hanover, Hingham, Marshfield, Norwell, Quincy, and Scituate.

Along with the high yield MA CD rates, Coastal Heritage Bank offers a variety of banking services and products to residents along the South Shore of Massachusetts.  More information about the bank products and bank rates can be obtained by calling the main customer service number at (800) 695-1300 or visiting the bank web site at coastalheritagebank.com.

Two New Online CD Rate Promotions Suitable for a Variety of Savings Needs

The recent Fed rate hike combined with a strong domestic economy is bringing out a new round of CD rate promotions with higher interest rates and some alluring terms.  The end of 2016 saw two such CD account promotions announced by FDIC insured, online banking facilities.  These new CD rate promotions are available at separate banking institutions and cover two ends of the yield curve.

One account is a short term, CD that comes from iGObanking.com while, the other certificate account is a long term, five year CD from Popular Direct.  Both CDs are among the best yields available nationally for their respective terms.  The five year CD comes with a yield that is nearly as high as the rate found on ten year U.S. Treasury bond and the six month term account tops the chart for short term savings option.  With two very different terms and interest rates, these accounts are suitable for savers looking for higher yields and/or short term savings options.

iGObanking.com’s six month CD interest rate was just bumped up the end of 2016.  The rate on this short term CD is the best six month rate currently available and surpasses the rate offered on most one year CDs.  At 1.10%, the rate is currently at five times the national average rate for one year CD accounts.

Popular Direct’s five year account has an interest rate of 2.25%.  The rate on this 60 month account is almost three times the national average rate on five year bank CDs.

The iGObanking.com certificate has a minimum deposit requirement of $1,000.00.  The five year CD at Popular Direct can be obtained with a minimum deposit of $10,000.00.  Both accounts have earnings that are compounded daily and credited to the respective accounts monthly.

A penalty may be imposed for early withdrawal on CDs.  Penalty may reduce the account principal.  CDs that renew automatically at maturity, the interest rate will be the prevailing renewal rate in effect at maturity.

Popular Direct deposit products are offered by, and will be opened through, Banco Popular North America.  iGObanking.com is an online division of Flushing Bank.  Both banks are member FDIC institutions chartered in New York State.  Accounts at iGObanking and Popular Direct are FDIC insured to the maximum allowable limits.

Annual Percentage Yields listed are effective as of January 9th 2017 and are subject to change at any time.  Interest rates are set by each institution based on market conditions and remain fixed for each CD term.  Additional terms and conditions may apply.  More information about the current bank rates and account terms can be obtained by contacting Popular Direct at 800-274-5696 or contacting iGObanking.com at 888-432-5890.

Freedom Bank of Virginia Long Term CD Rate Promotion

Freedom Bank of Virginia is promoting some new certificate of deposit rates in Northern Virginia focusing on a very timely election theme.  The bank is publicizing its CD rates under the marketing promo, “Vote for a Great Rate.”  New and existing customers of Freedom Bank can choose from an assortment of CD candidates, terms, that include a one year CD term, a CD that matures in two years, a three year maturing CD, or a four year CD.

The interest rates available on the certificates are well above the national average rates for similar term accounts with the four year rate surpassing the best national rates.  The Freedom Bank of Virginia one year CD rate is 1.16%, the bank’s two year CD rate is 1.32%, the three year CD yields 1.51%, and the four year certificate CD rate is 2.02%.

The certificates of deposit offered by the bank gives account holders what other investment strategies often cannot, a fixed rate of return that will stay the same for the length of the term.  After all, political conditions can change like the weather while the fixed rate CDs at Freedom Bank will remain rock solid.

The minimum deposit needed to open one of the high yield CDs is $500.00.  There is a maximum deposit allowed of $99,000.00.  CD rates listed are current as of November 4, 2016 and are subject to change at any time.  Early withdrawal penalties apply to the accounts. Additional terms and conditions may apply.

Freedom Bank is an independent, locally-owned bank based in Fairfax, VA.  The bank provides a variety of deposit and loan services through branch locations in Fairfax, Vienna and Reston, Virginia.  More information about the bank CD rates and other consumer banking products can be obtained by visiting the Freedom Bank website at freedombankva.com or by calling a Freedom Bank customer service representative at (703) 242-5300.

To compare the best CD rates in the region refer to the Virginia CD rates section of SelectCDrates.com.

Geauga Savings Bank 7 Month CD Rate Promotion

Geauga Savings Bank has new short term CD rate promotion for savers and investors in Northeast Ohio.  The bank offers a certificate of deposit with a 7 month term with two different high yield options for account holders.  Customers of Geauga Savings that have or open an Advantage Checking account in conjunction with the bank CD, will earn a 1.40% rate of return.  Those customers that choose not to have the checking account can earn a 1.20% yield.

There is a $25,000.00 minimum deposit needed to open the CD and earn the advertised yields with a $245,000.00 maximum deposit amount.  Interest earned is credited at the maturity of the account.  A penalty may be imposed for withdrawals before maturity.

The current CD rate promotion provides one of the best short term CD rates in Ohio, the account also offers an interest rate that dwarfs the national average rate on comparable term accounts.  The 7 month term CD rate is almost ten times the national average rate for bank CDs with a six month term and six times the national average rate found on one year CDs.

The Advantage Checking account promoted by the bank requires a $50.00 minimum deposit to open.  The account has an account maintenance fee of $10.00 but the fee is waived if there is a $2,000.00 minimum balance held in the account.

Geauga Savings Bank offers a wide range of other interest bearing CD accounts.  Standard bank CDs require a low, $1,000.00 minimum deposit to open.  Terms range from 3 months to 5 years.  IRA CDs including Roth IRA CDs, SEP IRA CDs, and Simple IRA CDs with fixed rates and terms are also available.

Geauga Savings Bank serves customers in Northeast Ohio, primarily in Geauga, Cuyahoga, and Lake Counties.  Based in Newbury, OH Geauga Savings is a locally owned and operated full service community bank offering a full range of personal and business services.

To learn more about the banks CD rate promotion or other products and services offered by the bank, visit the bank online at www.GeaugaSavings.com or call a customer service representative at (800) 472-6250.

CD rates current as of October 30, 2016.  Rates and APYs are subject to change prior to opening an account.  Additional terms and conditions may apply

More information on rates in the region can be found at the Ohio CD rates section of SelectCDrates.com.

ParkeBank End of Summer CD Rate Promotion

ParkeBank has a new CD rate promotion for consumers in the Southern New Jersey and Southern Pennsylvania market areas served by the bank.  The CD account promotion at ParkeBank is a safe investment that allows account holders to watch their money grow at high rate of return free from market fluctuations.

The term for this high yield CD is 13 months.  ParkeBank is currently offering an interest rate of 1.30% on this account.  There is a low minimum deposit requirement of just $500.00 to open the account and obtain the advertised annual percentage yield.

New and existing customers are welcome to apply for the promotion however, existing customers must provide new funds that are not currently held at the bank to open the certificate.

Consumers looking for to save for their retirement years will find the same rate of return offered on the 13 month CD account promotion is also available as an IRA CD.  Customers of ParkeBank can open either a traditional IRA CD or Roth IRA CD and earning the same APY, with the same funding requirements.

New certificate of deposit accounts at ParkeBank can be opened at any of the bank branches in NJ and PA.  ParkeBank conducts business through branches in Sewell, Northfield, Collingswood, and Galloway, New Jersey as well as a branch in Philadelphia, Pennsylvania.

All bank CD rates are subjects to change without notice. Substantial penalty for early withdrawal on time deposit accounts.  Rates listed are current as of October 15, 2016. Additional terms and conditions may apply.

ParkeBank is an FDIC insured, full service commercial bank that provides personal and business financial services to individuals and small-sized businesses primarily in Gloucester, Atlantic and Cape May counties in New Jersey and Philadelphia and surrounding counties in Pennsylvania.

More information about the bank products, bank rates, and the current CD rate promotion can be obtained by calling ParkeBank 1.866.727.5325.

To compare the best CD rates in the region check the CD rate tables at SelectCDrates.com under NJ CD rates and PA CD rates.

Bank 21 CD Rate Promotion in West Central Missouri

Bank 21 has just upped the ante on one of their midterm certificates of deposit with a new high yield CD rate promotion.  The current CD rate promotion is on an odd term, 14 month, certificate.  The CD interest rate for the 14 month term certificate elevates this account to the top of the list for the best yields in the Show Me State.

Bank 21’s 14 month certificates of deposit provides a guaranteed return with a fixed interest rate at 1.35%.  To put this yield in perspective, the average bank rate for a 12 month CD is just 0.22% and the best one year CD rate available nationally is 1.30%.

New and existing customers that want to earn the top tier interest rate offered by the bank will need to apply at one of the bank branches and supply a minimum opening deposit of just $500.00.

Bank 21 also offers many other different terms and interest rates, all with the same low minimum deposit requirement.  The wide range of certificate of deposit terms run from three months to five years.  Rates and terms are fixed so the depositor’s money and rate of return is guaranteed.  All of the bank CD terms are also available as IRA CDs.

Customer that open one of the bank CDs agree not to withdraw the funds until the maturity date without incurring a penalty for early withdrawal.  The early withdrawal penalty for the 14 month CD promotion is three months interest.  Any fees could reduce the stated earnings on the account. Additional terms and conditions may apply.

The CD interest rate and APY listed is effective as of October3rd, 2016, and is subject to change without notice.  Current rate information can be obtained by calling the bank directly at 1-888-4BANK21.  Stated APY is based on a 12-month term.  Accounts available only for customers in the market area served by the bank.

Bank 21 is headquartered in Carrollton, Missouri.  The bank’s market area includes the counties of Carroll, Jackson, Pettis, and Saline Counties in Missouri. Along with the current CD rate promotion,  Bank 21 offers a vast array of financial products and services including checking and savings accounts, debit cards, online banking, ATM’s, IRA’s and lending for consumer, commercial, agriculture, and real estate.

CD Rate Promotion in Iowa and Arizona at Bankers Trust

Getting the highest CD interest rates with the right terms on a certificate of deposit in Iowa and Arizona has just become a little easier with the Pick-A-Term CD rate promotion at Banker Trust.  The Bankers Trust flexible CD promotion gives customers the option to pick the certificate term that suits their savings needs while earning an above average yield.

The maturity on the Pick-A-Term CD can be from 7 months to 27 months.  The interest rate on this CD promotion is among the highest available in IA and AZ and is more than five times the national average bank CD rate for comparable term accounts.

Bankers Trust’s bank rate promotion offers the best rate of return for those customers that choose a shorter term.  The advertised rate of return for a 12 month maturing certificate is 1.30% APY.  The national average rate for 12 month term CDs is just 0.22%.

The interest rate on these CDs can be enriched even slightly more for bank customers that have additional account relationships with the bank.  CD rates for this promotion may be increased by as little as 0.02% on up to 0.10% depending the relationship package held with the bank.  Contact the bank or visit the Bankers Trust web site for details on banking relationship packages.

There is a $1,000.00 minimum deposit needed to open one of the promotional CDs in Iowa and Arizona.  All bank certificates are FDIC insured to the maximum amount allowed by law.  Interest earned on the bank CDs offered by Bankers Trust is compounded annually and may be paid monthly, quarterly, semi-annually, annually, or at maturity. Penalty for early withdrawal.  Bank fees may reduce earnings.

The interest rate and annual percentage yield (APY) are effective as of 09/25/2016, and may change without notice.  Promotional CDs available only for consumer customers holding accounts for personal, family, or household purposes.  Advertised APYs available to customers residing in the Des Moines, Ames, and Phoenix metropolitan areas.  Not valid in combination with other promotional offers.  All interest rates and terms and conditions are subject to change without notice.

Bankers Trust is headquartered in Des Moines, Iowa and is the largest independently owned depository institution in the state.  The bank has branches in central Iowa (including
Ames), Cedar Rapids, and Phoenix, as well as offices in Omaha and Sioux Falls.  Iowa CDs and Arizona CDs are available in a variety of other terms with locked-in interest rates.

CD Rate Promotion in Northwestern Illinois at First Trust & Savings

First Trust & Savings Bank has a new CD rate promotion that offers consumers in Whiteside and Rock Island county Illinois with a rate of return that is almost five times the national average rate.

The bank’s special rate promotion is available on a 13 month and 16 month term certificate.  The 13 month CD rate is 1.10% and the 16 month CD rate is 1.60%.  The national average rate for a comparable, one year CD is 0.22% while the national average for a two year certificate is 0.36%.  Clearly, the rate offer by First Trust & Savings Bank of Albany, IL is head and shoulders above the competition.

The special 13 month and 16 month CD require a $5,000.00 minimum opening deposit which must be new funds to First Trust & Savings Bank.  Interest earned on these accounts may be directly deposited into a separate First Trust & Savings Bank account, paid to the account holder by check, or added to CD balance for compound interest earnings.

Additional savings products are available through the bank including CDs with maturities ranging from 91 days to 5 years.  The minimum investment for the bank’s standard CDs is $1,000.00.  Accounts are automatically renewable after 10 day grace period.  A penalty may be imposed for early withdrawal.  Rates are current as of August 25, 2016 and are subject to change prior to opening an account.

First Trust & Savings Bank is one of the top 200 largest banks based in Illinois with almost $225 million in total assets.  The bank operates four branches in Northwestern Illinois.  First Trust has been serving this region in the Prairie State since 1902.

More information about the bank and the bank rates available in Illinois can be obtained by visiting the bank web site at efirsttrust.com or by calling the main customer service number in Albany at 309-887-4335, at the Erie branch at 309-659-2211, the Port Byron branch at 309-848-9111, or the Hillsdale branch at 309-658-2203 during normal business hours.

Consumers in Northwestern Illinois looking for a safe place to invest their money with a guaranteed high interest rate over a pre-determined period may find the CD rates at First Trust & Savings Bank are just the solution they need.

High Yield CDs and CD Rates at Popular Direct

Popular Direct has a new line of bank insured certificates of deposit that come with some of the highest rates available nationwide.  This is a new banking channel offering consumers higher interest rates on CDs and saving products online.  The bank is the online banking division of Banco Popular North America.

Banco Popular North America (BPNA) is an FDIC insured bank headquartered in New York, NY.  The bank is a full service financial services provider operating in the United States, Puerto Rico, and the Caribbean.  Banco Popular is a member of the Federal Reserve System, regulated by the Federal Reserve Board and the FDIC.

High yield CDs and CD rates offered are available direct online through the web site, populardirect.bank.  The current line of bank CDs are also made available through E-Loan, with predominantly the same interest rates and account terms.

Popular Direct CD products include fixed rate, fixed term CDs that range from three months to five years.  Current CD rates at Popular Direct include:

3 month CD rate is 0.25%
6 month CD rate yields 0.85%
1 year CD earns a 1.26% rate of return
18 month certificate is 1.35%
2 year CD accounts earn 1.50%
A 3 year certificate has a 1.55% rate
4 year CDs yield 1.75%
The 5 year bank CD account has an interest rate of 2.00%.

Interest earned on the bank accounts compounds daily and is credited to the account monthly on the last day of the month.  There is a minimum opening deposit requirement of $10,000.00.  CD accounts are set to automatically renew at the same term and at the current applicable market rate for the particular product reaching maturity.

All deposits with Popular Direct (BPNA) are insured for the maximum amount allowed by law.  FDIC coverage is included with any account held directly at BPNA when determining maximum coverage eligibility.

Withdrawals made from the certificates may result in an early withdrawal penalty.  For certificate terms less than 91 days, the early withdrawal penalty is 89 days simple interest.  For account terms equal to or greater than 91 days but less than 12 months, the penalty is 120 days simple interest.  For terms equal to or greater than 12 months but less than 36 months, the penalty is 270 days simple interest.  For terms equal to or greater than 36 months but less than 60 months, the penalty is 365 days simple interest.  For terms equal to or greater than 60 months, the early withdrawal penalty is 730 days simple interest.

More information about the bank CD rates and products can be obtained by visiting the web site or calling Popular Direct customer service at 1-800-274-5696.

MA CD Rate Promotion at Everett Co-operative Bank

Everett Co-operative Bank, commonly referred to as Everett Bank, is offering a new certificate of deposit promotion for Massachusetts consumers.  The CD rate promotion is available on an odd term, 14 month maturing certificate.  The interest rate available on the Everett Bank CD account is 1.30%, annual percentage yield (APY).

Finding high yield bank CDs accounts in the current low rate environment has been no easy task for savers and investors but, this account is a stand out compared to the competition.  The yield offered on the Everett Bank CD promotion is almost four times the national average rate found on two year bank CDs and six times the rate on one year bank CDs.

This is a fixed rate term certificate of deposit, the rate offered is guaranteed for the length of the term.  Account holders earn a guaranteed return over the specific period of time, no matter what happens in the financial markets.

Annual percentage yield advertised is based on the principal and interest remaining in the account for a period of one year.  Everett Co-operative requires a minimum deposit to open this account and obtain the annual percentage yield of $500.00.  Maximum deposit limit is $250,000.00.

Customers can also choose to hold the CD account with the current rate promotion in either a Traditional Tax-Deferred IRA or Tax-Free Roth IRA.  All accounts are fully insured up to the maximum FDIC limits per account holder.

Substantial penalty may be imposed for early withdrawal from the bank CD accounts.  The 14 month CD will automatically renew at maturity to a 12 month term certificate and the current rate offered by the bank on that account unless the customer chooses another product.

Everett Co-operative Bank offers a full range of savings and investment products designed to help its customers achieve their financial objectives.  The bank has competitive rates and flexible terms on CDs that range from 91 days to 5 years.

The CD rate promotion is for consumer accounts in Massachusetts only.  No out of State deposits are accepted.  Annual percentage yield listed is accurate as of July 25, 2016 and is subject to change without notice.  Additional terms and conditions may apply.

Contact the bank for more information on their current CD rates and savings products.  More information is available at the bank web site located at everettbank.com or by calling the Everett Co-operative Bank customer service number at 617-387-1110.

EvaBank Special CD Rate in Alabama

EvaBank has a new 15 month CD rate promotion for savers and investors in Northern Alabama.  The bank’s new CD has an annual percentage yield of 1.51%.  The current yield on this CD is head and shoulders above the average rate offered on comparable term bank CD accounts covering all of Alabama as well as throughout the nation.

The interest rate promoted on the EvaBank CD special is more than six times the national average rate for a one year CD, currently 0.22%, and four times the national average rate on two year term CDs, 0.36% (source: fdic.gov/regulations/resources/rates).

The 15 month CD special requires a $1,000.00 minimum opening deposit.  CD investors in the market area served by the bank can open the account as a traditional certificate or as an IRA CD with the same minimum deposit requirement and yield.  This is a FDIC insured, fixed rate account, the disclosed interest rate is guaranteed to be paid until first maturity.

A penalty will be or may be imposed for early withdrawal of principal from the account.  The early withdrawal penalty for 15 month term accounts is 6 month’s interest.  Interest will be compounded daily and will be paid to the account annually. Interest begins to accrue no later than the business day EvaBank receives credit for the deposit of noncash items.  The annual percentage yield (APY) assumes interest remains on deposit until maturity.  A withdrawal will reduce earnings.

EvaBank is a small independently owned based in Eva, AL.  The bank operates six branch location in Northern Alabama including location in Eva, Cullman, Birmingham, Madison, and Decatur, Alabama.

More information about the bank and bank rates can be obtained by visiting the institution’s web site locate at evabank.com or by calling the EvaBank customer service number at (256) 796-2201

CD interest rates listed are current as of July 8, 2016.  Interest rates subject to change without notice. Additional terms and conditions may apply.

Long Term Jumbo CD Rates at First Federal

First Federal Savings and Loan Association of Pascagoula, MS is promoting two new long term CD rates along the Gulf Coast.  The certificate of deposit accounts marketed by the 35th largest bank in Mississippi our long term accounts and are available as standard accounts and jumbo CD accounts.

The standard certificate of deposit is a bank time deposit which must be on deposit for a specific length of time in order to earn the promoted APY (annual percentage yield).  Jumbo CDs are negotiable certificates of deposits that require a $100,000.00 or more on deposit.

The bank CD promotional terms are for 96 months or eight years on both certificates.  The minimum balance needed to open the standard CD is $1,000.00 and the minimum deposit requirement for the jumbo CDs is $100,000.00.

The rate offed on these accounts are currently 2.50%. Certificate of deposit interest rates are fixed for the full term of the account.  The disclosed annual percentage yield promoted by the bank assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

First Federal makes a number of other certificates of deposits available to customers.  All of the CD rates in MS promoted by the bank are well above the national average rate for comparable term accounts.  These accounts assure the account holder will get a guaranteed yield, have flexibility with different term options, and come with the inherent safety of FDIC insurance.

An early withdrawal penalty will be assessed if the principal amount of the certificate is withdrawn prior to maturity.  The early with drawl penalty for the eight year accounts is 12 months of earned interest.  Additional terms and conditions may apply.

New and existing customers can open a new CD account at any of the six bank branches operated by First Federal in the Mississippi Gulf Coast.  The bank has branches throughout Jackson County, MS including Pascagoula, Moss Point, Gautier, Ocean Springs, Vancleave, and Hurley.  First Federal operates as a local, community bank that provides personal service on all of their loans and deposit products.

More information about the MS CD rates offered by First Federal can be obtained by visiting the bank web site located at firstwithus.com or by calling the First Federal customer service number at 1-800-769-5305.

CD rates are current as of June 17th, 2016 and are subject to change at any time prior to opening an account.  Rate shoppers can find the best rates of return in the Gulf Coast and throughout Mississippi by reviewing the local and national CD rates listed in the SelectCDrates.com database.

Eastbank CD Rate Promotion in NY

Eastbank, based in New York City, has raised the rate on two certificate of deposit products for consumers in the Big Apple.  The CD rate promotion at Eastbank elevates the yields to a return that is more than five times the national average rate on comparable term bank certificates accounts.

Eastbank boosted the interest rate on their 9 month and 15 month CDs.  The 9 month CD rate is 1.10% while the 15 month CD rate is 1.30%.  In comparison, the national average rate for a one year certificate is 0.22%.

The minimum opening deposit for the CD specials at the bank is $2,500.00.  The minimum deposit is the same for all CDs at the bank.  Savers and investors in the region served by the bank that are interested in other maturities will find a wide range of competitive terms and interest rates.  The CD rates at Eastbank are often among the highest available in all of New York.

The certificate Annual Percentage Yields (APYs) listed are effective as of June 15, 2016 and are subject to change without prior notice.  Early withdrawal penalties may apply to these bank accounts.  For the CD promotions, the early withdrawal penalty is three months earned interest.  Additional terms and conditions may apply.

Eastbank is a full service commercial bank established in 1983.  The bank primarily serves the Asian-American communities of New York City however, the CD promotion along with the other bank products and services are open to those individuals working or residing in the bank’s market area.  Eastbank offers a comprehensive range of deposit and loan products for local businesses and individuals in NY.  The institution currently operates two branches, one in Manhattan and one in Flushing, NY.

More information about the current CD rates at Eastbank or any of the other products and services offered by the bank can be obtained by visiting the Eastbank web site at eastbank-na.com or by calling the bank directly at (212) 219-9208.

Consumers shopping around for the highest certificate of deposit interest rates will find it helpful to compare the best rates at local financial institutions such as Eastbank.  Rate shoppers can returns in the Manhattan and NYC metropolitan region with the best CD rates in NY from a variety of local and national banks in the SelectCDrates.com database.

Walpole Cooperative Bank CD Rates Promotion

Walpole Cooperative Bank often promotes CD rates that are well above the national average rates as well as the rates found at competing financial institution in the state Massachusetts.  Now, the bank is running a promotion that raises the bar with even higher yielding certificate of deposit accounts.

Walpole Cooperative Bank has two new certificate specials as of June 2016.  Both accounts are odd term accounts that have low minimum deposit requirements.  The terms available are on a 15 month account and a 20 month account.  The 15 month term CD has an interest rate of 1.50 percent while the 20 month CD yields 1.60 percent.

The current CD rate promotions are more than five times the national average rate for comparable term accounts.  The current national average bank CD rate for a one year term account is 0.21 percent while the national average rate for a two year account is 0.36 percent.

Annual Percentage Yields (APYs) are effective as of 06/10/16 and subject to change without notice.  Interest earned is compounded and posted monthly.  Withdrawals on certificates prior to maturity are not usually permitted by Walpole Cooperative Bank.  If a withdrawal should be allowed, a substantial penalty may be imposed for early withdrawals before maturity.  Minimum deposit of $1,000.00 is required to open account and earn advertised APY.  The bank does not accept brokered CDs, institutional funds, or out of market area deposits on these products.

Walpole Cooperative is the 76th largest bank based in Massachusetts.  The bank operates just one location in Walpole.  Along with certificates of deposits, the bank offers a wide variety of personal and business products and services.

Walpole Cooperative is both FDIC and SIF insured.  Each depositor at the bank is insured to at least $250,000.00 by The Federal Deposit Insurance Corporation (FDIC) and all deposits over and above this amount are covered by the Share Insurance Fund (SIF), established in MA to protect deposits in state chartered co-operative banks.

More information about the bank CD rates and promotions can be obtained by calling the Walpole Cooperative Bank customer service number at (508) 668-1080 or by visiting the bank web site at walpolecoop.com.

When shopping around for the highest certificate of deposit interest rates, it helps to look at local and national financial institutions.  Rate shoppers can compare those returns at Walpole Cooperative with the best CD rates in Massachusetts from a number of local and national banks in the SelectCDrates.com database.

Wilshire Bank Checking and CD Rate Promotion

Wilshire Bank has a new CD rate promotion for new and existing bank customers.  The promotion is on a 13 month term certificate that has an interest rate of 1.20%.  The bank CD not only has a very competitive yield but, it comes with some special features that delivers flexibility to the account holder.

The CD at Wilshire, 13 month EZ Flex certificate of deposit, provides account holders with a fixed rate of return and the option to make additional withdrawals and deposits during the account term.  Certificate holders can may make up to six withdrawals in increments of $1,000.00 during the term of the CD except for the seven days after the opening date and seven days before the maturity date.  Account holders can also make additional deposits in increments of $1,000.00 up to seven days before the maturity date up to a $250,000.00 total account balance.

The certificate of deposit does require a non-interest-bearing Wilshire Bank checking account to obtain the stated yield and terms.  A minimum balance of $30,000.00 is needed to open the account and obtain the APY.  The interest rate and APY in effect at account opening will be paid until first maturity.  The CD rate promotion is scheduled to end on June 30, 2016 but is subject to change prior to that date without notice.  An early withdrawal penalty will be imposed for additional withdrawals before maturity that exceed the limits outlined above.  Additional terms and conditions may apply.

Wilshire Bank is headquartered in Los Angeles, California.  The bank operates over 35 branch locations in California, Texas, New Jersey, and New York, as well as loan production offices across the country.  Wilshire Bank is a community bank with a focus on commercial real estate lending and general commercial banking, with its primary market encompassing the multi-ethnic populations of the Los Angeles Metropolitan area.

More information about the current CD rate promotion and the products offered by Wilshire Bank can be obtained by visiting the bank web site at wilshirebank.com or by calling a Wilshire customer service representative at 866. 886.2265.

Bank of Southern California CD Rate Promotion

Bank of Southern California is running a new CD rate promotion for customers in Southern California.  The bank CD is for an odd term, 13 month certificate with two distinct rate tiers.  Customers that deposit between $5,000.00 and $99,999.00 will receive a rate of 1.19% on the CD and an annual percentage yield of 1.20%.  For customers that deposit $100,000.00 or more into the account, the CD rate is 1.29% and the annual percentage yield of 1.30%.

Bank of Southern California

The CD APYs are fixed for the term of the certificate and the promoted rates assumes the principal and interest remains in the account for one year.  The promotional CD will renew into a new 13 month CD term account at the then current rates and terms available at the bank.

Bank of Southern California offers additional CD choices along with the current CD rate promotion.  Bank CDs require a minimum deposit of $5,000.00.  Account maturities range from 60 days to 5 years with each term earning a competitive interest rate.  All rates are based on the deposit amount and time invested, often with higher interest rates available for longer terms.

The bank CD rates and terms are subject to change at any time prior to opening an account.  Certificates of deposit accounts are subject to early withdrawal penalties.  The early withdrawal penalty on accounts with terms of 12 months to 35 months is equal to 90 days interest on the amount withdrawn whether or not interest has accrued.  Additional terms and conditions may apply.

The annual percentage yields (APYs) listed are accurate as of 4/25/16 and are subject to change without notice.  More information about the bank rate promotion can be found at the institution’s web site located at banksocal.com or by calling the Bank of Southern California customer service number at (844) 879-5121.

Bank of Southern California is headquartered in San Diego, California and operates seven branch locations in San Diego County and the Coachella Valley in Riverside County.  The bank is a locally owned and managed financial institution.  Bank of Southern California offers a wide range of financial products to individuals, professionals, and small to mid-sized businesses.

Needham Bank CD Rate Promotion in Massachusetts

Needham Bank has a mid-term CD rate promotion underway for savers and investors in Massachusetts.  The bank is offering a 15 month term certificate of deposit that earns the account holder a rate of return of 1.50%.  The interest rate currently offered is more than seven times the national average bank rate on one year certificates and four times the national average rate found on two year CD accounts.

Needham Bank is a Massachusetts based bank that serves Boston and the neighboring communities.  The bank is headquartered in Needham, MA with additional full service branch offices in Ashland, Dedham, Dover, Medfield, Millis, Natick, Wellesley, and Westwood, MA.

The CD rate promotion can also be opened as an IRA CD with same yield.  The minimum deposit for the bank retirement accounts is a low, $250.00.  IRA accounts can be traditional IRA CDs, Roth IRA CDs, or SEP IRA CDs.  Certificates can be opened at one of the local offices or online through the banks web site located at needhambank.com.

In addition to the CD rate promotion, Needham Bank offers several other high yield certificates and IRA accounts in Massachusetts. The bank CD rates are consistently among the top performing accounts available in the Bay State.

Please note the Annual Percentage Yield (APY) stated above is as of March 14, 2016. Minimum balance needed to obtain the stated APY is $1,000.00 and rates are subject to change prior to opening one of the account.  An early withdrawal penalty will apply to this account along with the other CDs marketed by the bank.  Any fees and early withdrawal penalties could reduce earnings.  Additional terms and conditions may apply.

Needham Bank is a member of FDIC and the Massachusetts Share Insurance Fund (SIF). SIF is a private fund owned by the member co-operative banks, which insures all deposits at co-operative banks in Massachusetts above Federal Deposit Insurance Corporation (FDIC) limit.

More information about the bank and bank CD rates can be obtained by visiting the bank web site or by calling the Needham Bank customer service number at 781-444-2100.

Coastal Heritage Bank CD Rate Promotion in MA South Shore

Consumers residing on the South Shore of Massachusetts will find a new CD rate promotion that stands above the best bank rate competition in the Bay State as well as the best CD rates available.  Coastal Heritage Bank based in Weymouth, Massachusetts is offering a new rate promotion on their nine month term certificate for new and existing banking customers.

The nine month CD rate available from Coastal Heritage Bank in Massachusetts has an interest rate of 1.26% and an Annual Percentage Yield (APY) of 1.27%.  The rate on the bank CD is six times the national average rate for longer term, one year bank CDs (based on data promulgated by the FDIC, the national average rate for a one year CD is 0.21%).  The best CD rate available nationally for a nine month certificate is almost a ¼ of a percent lower at 1.02% (EverBank currently offers the highest yielding nine month CD).

The minimum opening deposit required for this CD and all CDs offered by the bank is $500.00 required.  A penalty may be imposed for early withdrawal on the bank CDs, the penalty on the nine month certificate is three months of interest.  A number of certificates are available through the bank with terms ranging from three months to five years.

The bank CDs at Coastal Heritage Bank are set up with automatic renewal.  Account holders will receive a renewal notice 30 days before their CD matures, at which time they can collect any unpaid earned interest, add more principal to the account, or reinvest the money in another account or savings plan.

The listed APY and interest rate is effective as of January 20, 2016. Additional terms and conditions may apply.  Rates are subject to change at the bank’s discretion prior to opening an account.  The 9 month CD is a fixed rate, fixed term account.

More information about the bank CD rate promotion and bank products can be obtained by visiting the Coastal Heritage Bank web site at CoastalHeritageBank.com or calling their customer service number at (800) 695-1300.

Coastal Heritage Bank is a full service mutually-held Massachusetts co-operative bank headquartered in Weymouth, Massachusetts.  Coastal Heritage Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and the Share Insurance Fund.  The bank operates nine banking centers along the South Shore of Massachusetts including branches in East Bridgewater, Green Harbor, Hanover, Hingham, Marshfield, Norwell, Quincy, Scituate and Weymouth.

Additional data on current CD rates in Massachusetts can be found at the bank rate tables at SelectCDrates.com.

Florida Community Bank CD Rate Promotion 18 Month Term

Florida Community Bank, the sixth largest bank in the state, has holiday CD rate promotion for new and existing customers.  The bank is offering an 18 month term CD that has an interest rate of 1.35%.  The yield on the Florida Community Bank (FCB) certificate is almost four times the national average rate found on the longer term, two year account.  The yield is also more than six times the national average rate on one year certificates.

The CD rate promotion gives account holders fantastic investment earnings potential over time with a good rate on an FDIC insured account that will never go down in principal value.

The account requires a minimum deposit of $10,000.00 in new funds to the bank.  This is a limited time offer that expires December 31, 2015 and applies to new accounts only.  The CD account is set up to automatically renew to a standard 18 month CD at the current rate and APY at the time of renewal.

FCB also offers a variety of additional certificates of deposit as well as IRA CDs.  Competitive interest rates can be found on all accounts.  Maturities on the standard CD accounts range from 7 days to 5 years.

Consumer certificates of deposit at Florida Community Bank provide a secure option for personal investing that are ideal for savers and investors that want to earn stable returns and secure funds for future use.

The Annual Percentage Yield (APY) listed is accurate as of December, 2015.  Offer and rates are subject to change at any time without prior notice.  Fees may reduce earnings.  Penalty may be imposed for early withdrawal.

Florida Community Bank is a chartered national banking association based in Weston, FL.  The bank has over $6.5 billion in total assets and almost 50 full-service branch locations throughout Florida from Daytona Beach to Miami-Dade, Naples through Tampa Bay, as well as the I-4 Corridor.

More information about the bank products and services or the current CD rates in Florida can be obtained by calling the Florida Community Bank customer service number at 1-866-764-0006.  Additional information can be found at the bank web site located at floridacommunitybank.com.

Green Bank CD Rate Promotion

The majority of CD rates around the country have showed little to no change after the Federal Reserve boosted the fed funds rate in mid-December but, that’s not the case with the rates offered by Green Bank based in Houston, Texas.  While the recent rate increase by the Fed has had little impact on bank rates in general, Green Bank is bucking that trend with a new high yield CD rate promotion.  Green Bank’s certificate of deposit promotion offers some of the best CD rates in Texas on midterm and long term CD accounts.

The Green Bank CD rate promotion covers three different odd term accounts.  The bank has a 14 month CD with an interest rate of 1.25%, a 29 month term account with a rate at 1.50%, and a 44 month CD that yields 1.75%.  Customers can take advantage of the bank CD rates by opening an account with a minimum $1,000.00 deposit.

These certificates of deposit offers sure returns, so bank customers and account holders can plan for their financial goals.  With the bank CDs, your savings are invested at a set rate for a specified period of time with the principal and interest earned guaranteed.  When it comes to savings and finances in an uncertain environment, it’s best not to gamble.

CD accounts with the bank are set up to automatically renew.  However, when your term is up, you can cash out of the account or roll it into another CD for more returns.  The 14 month CD will renew into a 12 month account at the current rates, the 29 month CD will renew for 24 months, and the 44 month CD will renew for 36 months at maturity.

All CD deposits with Green Bank are insured up to $250,000 by the Federal Deposit Insurance Corporation.  This is a limited time offer, all accounts must be funded with new funds to the bank.  The Annual Percentage Yields (APY) listed are based on quarterly compounding.  Interest rates are based on the institution’s online published rates and may have changed since this offer was posted.  Contact the financial institution for any rate updates and to review the terms of the current offer.  Early withdrawal penalties may reduce earnings. Other terms and conditions may apply.

Green Bank is a nationally chartered commercial bank that provides commercial and personal banking services primarily to Texas based customers through twelve full service branches in the Houston, Dallas and Austin areas.  More information on the bank CD rate promotions as well as the other products and services offered by the bank can be obtained by contacting Green Bank at (800) 352-8257.

Lakeside Bank Short Term CD Rate Promotion

Lakeside Bank, the ninth largest bank based in Chicago, has a new certificate of deposit promotion on their short term CD account.  The promotional CD has an odd term, eight month term to maturity.  Lakeside is offering a rate of return on this CD account that is more than five times the national average rate on comparable term accounts.  The current yield on this promotion is 1.05% for account holders that have a qualifying Lakeside Bank relationship account.

The comparable average yield on longer term, one year CD accounts is just 0.20% based on national bank rate data promulgated by the FDIC.  The best CD rate on a nine month certificate available nationally is also significantly lower than the offer made by Lakeside Bank, the highest nine month CD rate available nationally is just 0.90%.

The Lakeside Bank CD can be a prudent choice for individuals who want to earn competitive interest rate while saving.  There is a $2,500.00 minimum balance required to open the CD.  Funds to open the account must be new money not currently on deposit with the bank.  Qualifying relationship accounts with Lakeside Bank can be either a checking or savings account with a minimum $500.00 daily balance.

Lakeside Bank offers additional terms and rates on their certificates.  Additional account terms promoted by Lakeside include account maturities that range from 90 days to 60 months.  The bank also offers a 0.90% annual percentage yield on the current promotion if the account holder has no other relationship with the bank.  All accounts have competitive fixed rates of return over a specified period of time.

Income earned on the accounts is available as monthly interest checks or funds may be transferred to an existing Lakeside Bank account.  Additional terms and conditions may apply.  The bank promotion is subject to change without notice.

Lakeside Bank is a locally owned community bank with over $1.2 billion in total assets.  The bank makes a point of reinvesting all of their deposits into the Chicago communities. Lakeside operates six locations throughout the city.  More information on the CD rates and products and service offered by the bank can be obtained by visiting the Lakeside Bank web site at lakesidebank.com or by calling their customer service number at 1-866-892-1572.

Washington Savings High Yield CD Rate Promotion in Philadelphia

Washington Savings Bank has just upped the rates on their long term, high yield certificates of deposit.  The bank now has some of the best CD rates on four and five year certificate accounts.  The CD accounts at Washington Savings have fixed rates for the term of the account with guaranteed yields protected by the safety of FDIC insurance.

The current CD rates at Washington Savings include a four year CD with an interest rate of 2.05% and a five year CD that earns a rate of 2.20%.  The three year CD account promoted by the bank is not too shabby either with a yield of 1.50%.  Additional bank CDs are available with terms from  three months on up to five years.

These high yield CD rates are available to bank customers with a small, minimum opening deposit of just $500.00.  The five year term certificate can also be held as an IRA CD.  The minimum deposit for an IRA account is $250.00.  Early withdrawal penalties will apply to withdrawals of principal before the maturity date.  Additional terms and conditions may apply.

Washington Savings Bank is a Philadelphia based community savings bank.  The bank offers a full range of checking, deposit and loan products to consumers and businesses.  The CD accounts and rates listed are available in the market area served by the bank which includes Philadelphia and the greater Philadelphia region.  Washington Savings operates five bank branch locations in Philly and is the seventh largest bank headquartered in “The City of Brotherly Love”.

The annual percentage yields listed are current as of December 14, 2015 and are subject to change at any time prior to opening an account.  More information about the bank and bank CD rates can be obtained by visiting the financial intuition’s web site at washingtonsav.com or by calling the Washington Savings customer service number at 215-698-9400.

BMO Harris CD Rate Specials

BMO Harris has a new and wide sweeping CD rate promotion that is currently available to all bank customers.  The high yield certificates are offered on five different maturities or terms ranging from a short term, 13 month account to a long term, 59 month term account.  These accounts are accessible to customers of BMO Harris that have an existing checking account or for customers that open a checking account when the obtain the bank CD.

The annual percentage rates promoted include a 13 month CD with a rate of 0.50%, a 22 month term CD that earns 1.00%, a 37 month CD account with a yield of 1.25%, a 47 month certificate with an interest rate of 1.60%, and a CD with a 59 month term with an interest rate of 2.00%.

With these high yield CD accounts, account holders can get a competitive fixed interest rate that is locked in from a little over a year to just short of five years.  The CD rate promotion provides some of the best rates among the major U.S. based banks and are well above the national average rates for comparable term accounts.

There is a minimum required deposit of $5,000.00 for each of the accounts. Accounts must be opened at one of the bank branches.  BMO’s CD account promotion is also available as an IRA CD with same rates and terms.

The listed Annual Percentage Yields (APYs) are accurate as of December 5, 2015 and are subject to change at any time.  Early withdrawal penalties may apply.  Additional terms and conditions may apply.

This is a limited time bank promotion.  For current information on rates and new accounts, contact a BMO Harris customer service representative at 1-888-340-2265.

BMO Harris Bank is one of the top 25 largest banks in the nation.  The bank provides a broad range of personal banking products and services including everyday banking products and services, very financing products, investing, as well as a full suite of integrated commercial and financial advisory services.  BMO Harris operates over 600 branches and approximately 1,300 ATMs in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona and Florida.

Top Midterm CD Rate with Florida Community Bank

One of the best midterm certificate of deposit rates in Florida is available through a special promotion at the state’s six largest bank.  The CD rate promotion can be found at Florida Community Bank based in Weston, FL.

Florida Community Bank is offering a new 18 month CD that has a rate of return well above the national average rate for 12 month term bank CDs and 24 month term bank CDs.  The bank’s 18 month CD promotion has a current yield of 1.35% which is more than four times the average rate on a longer term, two year certificate.  The minimum deposit need to open the account and earn the promotional yield is $10,000.00.

The CD rate promotion expires December 31, 2015 and applies to new accounts and new money to the bank only.  The account will automatically renew at maturity to the bank’s standard 18 month CD at the current rate and APY.  Account holders can choose not to renew if they withdraw the funds in the account at maturity or within the seven calendar day grace period after the original maturity date.  Penalty may be imposed for withdrawals made prior to maturity.

Florida Community Bank (FCB) offers a variety of additional certificates of deposit and IRA CDs with competitive interest rates on a fixed-dollar investment.  Bank customers can choose from a wide range of terms, from 7 days to 5 years.

The Annual Percentage Yield (APY) listed for this promotion is accurate as of this publication date.  The rate is subject to change by the bank at any time without notice prior to opening the account.  Fees may reduce earnings.

Florida Community Bank is a national banking association that has over $6.5 billion in total assets.  The bank operates over 45 full service bank centers throughout Florida.  More information about the bank and bank promotion can be found at the FCB web site located at floridacommunitybank.com or by calling the FCB customer service number at 1.877.378.4297.

Colorado Federal Best One Year CD Rate Promotion

Colorado Federal Savings Bank kicked off the month of November by boosting the interest rates on their short and midterm certificates of deposit.  Included in the rate increases were the bank’s 18 month CD and one year CD accounts.  The 18 month CD rate was elevated to 1.40% while the bank’s one year CD account was bumped up to 1.35% which is now the highest one year CD rate available nationally.

CD rates have slowly moved higher through the second half of the year and the yields now available at Colorado Federal are putting sorely a needed push behind the rate increases.  The Colorado Fed CD accounts have a minimum deposit requirement of $5,000.00.  Along with the high yielding one year and 18 month term accounts, the bank offers a number of other CDs with maturities from six months to five years.  Some of the bank’s other certificates are among the top ten highest rates available and all of their CD accounts are well above the national average rate for each maturity.

Colorado Federal Savings Bank is an FDIC insured institution based in Greenwood Village, CO.  The bank makes their savings and CD products available in all 50 states.  Accounts can be opened online directly through their website located at coloradofederalbank.com.  More information can be found at the website or by calling the Colorado Federal customer service number, 877-484-2372.

There are no monthly service fees for maintaining the bank CDs or savings accounts.  Interest starts accruing on the accounts starting the next business day after the new account is processed.  The certificate of deposit accounts will automatically renew at maturity upon the expiration of the redemption grace period.  Early withdrawal penalties will apply for withdrawals of principal made prior to maturity date.  The current early withdrawal penalties are 3 months penalty on the certificates with a term of one year or less and 6 months penalty on the certificates that have a term over one year.

The listed rates or Annual Percentage Yields are accurate as of November 13th, 2015 and are subject to change at any time prior to opening a new account.  Additional terms and conditions may apply.

Texas CD Rate Promotion at Triumph Savings Bank

Triumph Savings Bank has a current CD rate promotion that offers one of the best one year CD yields in Texas.  The Dallas based bank offers a number of high yield short and mid-term certificates of deposit that are among the highest rates available in the Lone Star state.

With an interest rate of 1.25% on a 12 month term certificate, Triumph Savings Bank’s promotion is five times the national average rate of 0.20% and is within five basis points or 0.05% of the highest one year CD rate available nationally.

The minimum deposit amount needed to open the account is $1,000.00.  In addition to the one year CD account, Triumph also offers a six month certificate with a well above average interest rate of 0.85%.  The six month rate is more than seven times the national average six month rate of 0.12%. 

Additional terms and rates are also available from the bank including maturities that range from 3 to 60 months that feature high yields at competitive rates.  The certificates of deposit marketed by the bank are savings deposits with guaranteed interest rates for a specific period of time.

Triumph Savings Bank is midsized Texas based bank headquartered in Dallas.  The bank is chartered under the laws of the State of Texas and regulated by the Texas Department of Savings and Mortgage Lending as well as the FDIC.  More information about the bank and the bank CD rates can be obtained by visiting the institution’s web site located at triumphssb.com or by calling Triumph’s customer service number at 214-365-6900.

The Annual Percentage Yields (APYs) listed are accurate as of this publication date.  A penalty may be imposed on the CD accounts for early withdrawal and will reduce earnings.  All rates are subject to change without notice and additional conditions may apply.

Additional information about top yielding accounts in the region can be found under Texas CD rates.

Avon Cooperative Bank CD Rate Promotion

Avon Cooperative Bank has certificate of deposit promotion that offers one of the nation’s top yields for a 30 month term bank CD account.  The 30 month certificate of deposit at Avon has a current interest rate of 2.05% for a minimum deposit of just $1,000.00.  The bank’s 30 month CD account a yield is more than three times the national average rate on a longer term, three year CD.  The current national average rate for three year bank CDs is 0.48%.  This account, unfortunately, is not offered to everyone and is only available to consumers in the Bay State served by Avon Cooperative.

Avon Co-operative Bank is a modest size bank located in the center of Avon, Massachusetts.  The bank serves the town of Avon and its surrounding communities and has been serving the greater Boston region for more than 100 years.  

This high yielding bank CD provides a good alternative to both, the lower yielding shorter term CD accounts and the longer term accounts that require larger commitments in the form of potentially burdensome early withdrawal penalties.  Once a CD account is opened, the interest rate does not change for the term of the account. 

Please note, account holders may be penalized for withdrawing funds before the certificate of deposit matures.  For those who prefer other options for their savings, additional account terms are available from six months to five years.

Rates are effective as of November 1, 2015 and are subject to change without notice.  The APY (Annual Percentage Yield) listed is what an account holder would earn if principal and interest remain on deposit for at least one year at the promoted rate.

All consumer CD accounts at the bank are FDIC insured up to $250,000 per depositor limit.  All additional deposited funds beyond FDIC’s limits are fully insured by the Massachusetts Share Insurance Fund (SIF).

More information about the bank and the bank CD rates can be obtained by visiting the Avon Cooperative web site located at avoncoopbank.com or by calling their customer service number at 508-586-1355.

Kinderhook Bank Short Term NY CD Rate Promotion

With the Fed on pause and the capital markets showing greater volatility, short term fixed rate savings instruments are gaining popularity.  Among the top considerations for short term savings are fixed rate, FDIC insured bank certificates of deposit (CDs).  One of the best short term bank CD rate promotions for consumers in the upstate New York region can be found at Kinderhook Bank.  Kinderhook Bank is currently offering a nine month term CD that has an interest rate of 1.10%.

The Kinderhook Bank CD rate promotion beats the national average CD rate available on six month and one year term certificates.  In fact, the rate promotion handily beats the national average rate for two year CDs, three year CDs, four year CDs, and five year CDs as posted weekly by the FDIC.

There is a minimum $500.00 deposit needed to open of the bank certificates of deposit including the promotional CD.  The rate listed is the annual percentage yield for the account as of this publication date; rates are subject to change at the bank’s discretion prior to opening an account.  In addition to the short term CD promotion, Kinderhook Bank offers CD accounts with terms ranging from 30 days to four years.  A penalty may be applied for early withdrawal on these accounts.  Additional terms and conditions may apply.

Kinderhook Bank currently operates through eight New York branches in Albany, Chatham, Delmar, East Greenbush, Greenport, Kinderhook, Latham and Valatie.  The bank opened for business on October 1, 1853 and is a member of the Federal Reserve, Federal Deposit Insurance Corporation, Independent Community Bankers of America, Federal Home Loan Bank, and the NYS Bankers Association. 

More information about the bank and bank rate promotion can be found at the institutions web site located at nubk.com or by calling the customer service number at 1.888.747.8138.

Chicopee Savings Bank CD Rate Promotion

Chicopee Savings Bank of Massachusetts has two different midterm, odd term CD rate promotions that offer some of the best CD rates in their maturity range.  The bank currently offers a high yielding 13 month certificate as well as a 22 month certificate that are available for consumers in the region of the Bay State served by Chicopee Savings. 

The Chicopee Savings Bank CD high yield rates are 1.35% for the 13 month CD account and 1.61% for the 22 month term account.  The bank certificates of deposit earn a fixed rate of interest for the term of the account and can be obtained with a minimum deposit of $1,000.00.

As with all of the bank’s CD accounts, interest earned may be withdrawn or transferred from the account at any time.  Additional deposits may be made at maturity.  There are no monthly or annual service fees on these accounts.  Additional certificates of deposit maturities are available with terms that range from 30 days to 5 years.

When saving for the future, many people find that certificates of deposit can be good tool to help reach their financial goals.  Bank CDs offer account holders a secure savings alternative that provides a fixed rate with a guaranteed return, no matter what the market does.  The midterm CDs can be particularly appealing with their high yields that do not require extended financial commitments.

Chicopee Savings Bank is headquartered in Chicopee, Massachusetts and operates nine branch offices in West Springfield, Ludlow, Chicopee, Ware, and South Hadley Massachusetts.  The bank offers a broad array of retail and commercial lending and deposit services along with CD accounts.  Chicopee Savings Bank is based in provides a complete line of competitive and innovative financial products and services through its branch offices located within Western Massachusetts.

The rates listed are current as of October15, 2015 and are subject to change by the bank without notice.  A penalty may be imposed for early withdrawal of principal prior to the maturity date.  Additional terms and conditions may apply.

Wide Selection of Bump Up CD Rate Promotions

There is a rather wide selection of bump up CD rate promotions available from banks across the nation.  Bump up CDs are certificate of deposit accounts that gives the account holder the option to raise or “bump up” the interest rate on their CD if rates offered by the institution where the account is held increase during the CD term.  The time frame when the interest rate bump can be made depends on the financial institution and additional conditions regarding the mechanics of the rate increase will apply.

New bump up CD rate promotions are currently available at Ion Bank of southwest Connecticut, Home Federal Bank based in Shreveport Louisiana, Standing Stone Bank of Lancaster Ohio, and The First which serves the Mid-Coast, Down East and Northern regions of Maine.

The First offers two bump up CDs.  One bump up CD account has a term of 36 months and comes with an initial interest rate of 1.25% and the other account has a term of 60 months and has an interest rate of 2.00%.  Account holders of these CDs can make one interest rate change during the first two years of the contract.  There is a minimum of $2500.00 required to open one of the CDs.

Standing Stone Bank has several bump up CDs including a 13 month that yields 0.50%, a 19 month CD that earns 0.60%, a 25 month term account at 1.16%, a 37 month with an interest rate of 0.95%, a 49 month that earns 1.31%, and a 61 month tern account with an interest rate of 2.00%.  Minimum opening balance for these bank CDs is $15,000.00.  The account holder can request a higher rate if the bank offers a higher APY for the same term certificate during the initial term.

Home Federal Bank offers consumers in the Shreveport-Bossier City metropolitan area two different CDs.  Consumers can choose between a 14 month flex CD with a rate of 0.75% and a 77 month CD with an interest rate of 2.02%.  The flex CD operates just like a bump up CD.  If the bank increases the CD rate on these accounts during the account holder’s original term, the account holder can request a onetime increase in rate equal to the high rate offered on certificates of the same term.  The minimum balance required to open the account is $500.00.

Ion Bank is promoting just one bump up CD.  The account at Ion Bank has a 35 month term and earns a 1.00% yield.  The certificate offers one rate bump up during the term to the then current 36 month certificate rate at the bank.  The minimum deposit for this account is $500.00.

The Annual Percentage Yields (APYs) for the accounts listed assumes principal and interest remain on deposit for the term of the certificate.  Penalties may be imposed for early withdrawal for the accounts.  Fees could reduce earnings.  Rates listed are current as of this publication date; the banks may cease to offer the CD bump rate promotions at any time without prior notice.  Additional terms and conditions may apply.

Competitive interest rates and terms can be found on more certificates through all of the listed institutions.  Customers can contact the individual banks to request additional information:  Ion Bank can be reached at 877-729-4442, the Home Federal Bank main number is 877-674-1145, Standing Stone Bank main office can be contacted at 740-653-5115, and customer service at The First can be obtained by calling 800-564-3195.

E Loan CD Rates Get a Bump

After getting a boost in yield this summer, E Loan CD rates with maturities that range from one year to five years are now crushing the competition.  With a wide range of CD account terms to choose from, savers and investors have a several different options for higher rates of return with E Loan CD products.

The chart topping CD rates available through E Loan include a one year certificate of deposit with a rate of 1.30%, a two year certificate that earns 1.52%, a three year CD account the has an interest rate of 1.85%, a four year term CD that has rate of return at 2.00%, and a five year CD that yields 2.45%.  Many of these rates are not only the leaders among their respective terms but are some of the highest yields advertised for those terms offered this year.

The APYs (annual percentage yields) for the certificate of deposit (CD) accounts are effective as of 7/31/2015 and subject to change without notice.  There is a $10,000.00 minimum opening account deposit and balance requirement needed to earn the advertised rates.  The APYs listed assumes principal and interest remain on deposit until maturity.  A penalty will be imposed for early withdrawal.

E Loan offers a wide variety of federally insured, high-interest savings accounts.  The savings products offered through the financial institution can be useful tools that can help account holders grow their savings and meet their financial goals.  Customers can choose from several different CD terms, ranging from one month to six years, not just the ones with the best CD rates currently marketed by the institution.

The E Loan CD accounts and rates listed are for traditional CDs that allow the account holder the ability to earn money on a fixed rate for the certificate’s term.  Investing in one of the mid-term or long term certificate of deposit can be a prudent move for savers or those just looking for added diversification.

All of the CD accounts and deposit products offered through E-Loan are opened through its parent company, Banco Popular North America.  Banco Popular is a New York state chartered bank and FDIC insured financial institution.  The FDIC insurance certificate number for Banco Popular North America is 34967.  More information about the bank CD rates and account information can be obtained by visiting the E Loan web site at eloan.com or by calling the customer service number at 1-866-576-7283.

Massachusetts CD Rate Promotion at BankGloucester

Massachusetts based BankGloucester has a CD rate promotion that tops the bank rate competition in the Bay State as well as those offered across the nation.  BankGloucester offers competitive rates on a number of savings and fixed rate investment products however, their two year certificate of deposit leaves the competition in the dust.

The current bank rate promotion by BankGloucester is for a two year CD that has yield of 2.02%.  There is a minimum deposit of $500.00 needed to open the account and earn the advertised rate.  Interest earned on the CD account is compounded quarterly and there are early withdrawal penalties for account holders that want spend the principal before the account reaches maturity.  No penalty is administered for interest withdrawals.

For Massachusetts residents in the Cape Ann region that are seeking a safe and secure way to earn interest on their money, one of the bank CDs at BankGloucester may be the right choice.  The bank CDs can be part of a sound savings plan for short term and long term investment horizons including emergency savings, planning for retirement, educational expenses or other financial planning requirements.

Additional certificate terms can be found from 6 months to 60 months.  Interest earned on the accounts may be added to the certificate for compound earnings, deposited in another BankGloucester account, or sent directly to the account holder by check.  There are no set up charges or service fees with these accounts.

BankGloucester is based in Essex, MA.  The bank was founded in 1887 as a cooperative community bank to serve the community of Cape Ann.  BankGloucester has two locations in Essex and Gloucester.  More information about the bank’s products and services can be found at the institution’s web site located at bankgloucester.com or bank calling the BankGloucester customers service number at 978-283-8200.

The CD rates and terms are current as of this publication date and are subject to change at any time.  Accounts may be subject to additional terms and conditions.

Live Oak Bank Makes Second Big CD Rate Promotion

After ending a five year CD rate promotion, Live Oak Bank has just fired up a chart topping two year CD rate promotion.  The two year certificate of deposit at Live Oak has an interest rate of 1.50 percent and requires a minimum deposit of $75,000.00.  This promotion is current the highest rate offered on a two CD account available nationally.

The CD rate promotion is for a limited time and scheduled to expire on April 7, 2015.  The special CD rate applies only to bank customers who enroll online.  There is a limit of one account per household or business.  An early withdrawal penalty equivalent to 180 days of interest on the amount withdrawn from the CD account applies.  Interest earned is credited to the customer’s account monthly.  Additional terms and conditions may also apply.

Additional certificates are available from the bank that provides a secure savings investment with a guaranteed rate.  Live Oak offers accounts with various terms at competitive rates.  All deposit accounts are FDIC-insured.  The certificates of deposit offered are easy to open online through the bank web site.

More information about the bank and the bank CD rates can be obtained by visiting the Live Oak Bank web site at liveoakbank.com or calling the customer service number at the main bank office in Wilmington, NC at 910.790.5867.

The annual percentage yield listed assumes the interest remains on deposit until maturity.  A withdrawal of interest will reduce earnings.

Bankers Trust Spring CD Rate Promotion

Bankers Trust has a new CD rate promotion for customers in the Iowa and Arizona market areas served by the bank.  The certificates of deposit offered by the bank cover a range of maturities from the short term accounts to midterm accounts and have interest rates that are well above the average rate for comparable term CDs.  

The CD rate promotion is the bank’s 3-21 Month Pick-A-Term CD.  As the name implies, account holders can select a CD term from three months to 21 months in length.  The current CD rate is 1.33 percent APY.  The interest rate is the same regardless of the term selected.  The APY stated assumes a 12 month term.

The yield on these accounts can be boosted slightly for account holders that have additional relationship accounts or “packages” with the bank.  The relationship accounts include holding a checking account with minimum balance levels that will qualify for different relationship tiers or packages.  The relationship accounts can boost the yield on the CD promotion to a maximum of 1.43 percent APY.

The 1.33 percent rate offered on the Bankers Trust CD rate promotion is higher than the best rates available nationally on the top ten highest three month bank CDs, six month CDs, nine month CDs, and one year CD rates.

Bankers Trust has many different options including the current CD rate promotion.  Bankers Trust’s certificates of deposit come with a variety of competitive interest rates and several different flexible term options. 

The accounts provide different interest disbursements including interest that may be disbursed monthly, quarterly, semi-annually, annually, or at maturity by transfer to a Bankers Trust account or electronic transfer (ACH) to an account at another institution.  Interest earned is compounded annually.  Minimum balance needed to open the accounts and obtain annual percentage yield (APY) is $1,000.00.

Bankers Trust is headquartered in Des Moines, Iowa and is the largest privately owned financial institution in the state.  The bank has 12 branch offices in Iowa and Arizona as well as a lending office in Omaha, Nebraska.

The interest rate and annual percentage yield (APY) are effective as of 03/21/2015, and may change without notice.  Additional terms and conditions may apply.  More information about the current bank promotion can be obtained by visiting the bank web site at bankerstrust.com or by calling Bankers Trust customer service at 800-362-1688.

Live Oak Bank CD Rate Promotion on 5 Year Account

Live Oak Bank has a new certificate of deposit rate promotion for a five year term CD account. The CD rate for this promotion is 2.50 percent. The yield is currently the best rate available nationally for a five year account and is over three times the national average bank CD rate for five year accounts.

The bank CD rate promotion requires a rather stiff minimum deposit of $75,000.00. The CD rate promotion applies only to customers who enroll online and is effective until 12 PM EST on 03/13/2015.

Interest earned on the Live Oak Bank CDs are credited monthly and calculated using the simple interest method. Interest begins accruing the same day the account is funded. Customers that want to have the CD interest transferred into another account can contact a bank customer service representative for more details.

When the certificate reaches maturity, the funds can be withdrawn or the account holder can renew at the current interest rate offered for a CD of a comparable term. The account holder has up to 10 days following the maturity date to withdraw the funds.

There is penalty for early withdrawal of principal from the CD account. The bank’s policy calls for a penalty of 180 days of interest on the amount withdrawn for CD terms of 24 months or longer.

New bank CD accounts can be opened by visiting the bank’s website at liveoakbank.com/deposits, then using the “Apply Now” button, select the desired product using the dropdown menu and got to “Start Application” to begin entering the applicable contact information.

Live Oak Bank is based in Wilmington, NC. More information about the bank and bank products can be obtained by calling the main customer service number at 910.790.5867.

The bank promotion is subject to change at any time prior to opening an account. Additional terms and conditions may apply.

People’s United Bank 18 Month CD Rate Promotion

People’s United Bank has a new promotion on an 18 month certificate of deposit.  The promotion is on the bank’s Plus Certificate of Deposit.  The bank CD earns a 1.25 percent fixed rate of return for the full term of the account.  The account does require the account holder to also maintain a personal checking account with People’s United Bank.

The bank certificates of deposit are easy to open, are extremely safe (FDIC-insured), and individuals can get started with an investment of just $500.00.  The certificate of deposit interest rate and Annual Percentage Yield (APY) will not change during its term and are for existing bank customers who have, or open a personal checking account with People’s United Bank.

The bank CD rate promotion is available in all People’s United Bank branches.  There is a minimum balance of $500.00 required to open one of the CDs and earn the advertised APY.  A maximum deposit of $250,000.00 applies per customer.  Substantial penalties for early withdrawals from the CD may apply.  The CD rate and APY is available for all new eighteen month Plus CDs when they are funded with new money or deposits not currently held at People’s United Bank.

This is limited time offer, the current rate is effective as of this publication date.  The bank offer may be withdrawn without notice, and only applies to personal accounts.  Fees may reduce earnings on the account.  The offer may not be combined with any other bank promotion or offer.  Customers residing in Connecticut, New York, Massachusetts, Vermont, Maine, and New Hampshire are eligible to open the accounts.

People’s United Bank is a regional bank in the Northeast offering commercial and retail banking, as well as wealth management services.  The bank operates over 400 retail locations in Connecticut, New York, Massachusetts, Vermont, New Hampshire and Maine.  People’s United Bank offers a wide array of financial services including CDs.

More information about People’s United Bank and the bank CD rate promotion can be obtained buy visiting the bank web site located at peoples.com or by calling the main customer service number at 1-800-894-0300.  Contact information for the local bank branches can be found at People’s United Bank locations.

Central Bank in FL CD Rate Increases

Central Bank
Central Bank in Florida is promoting their mid and long term certificates of deposit with new higher rates of return.  The Tampa, Florida based bank offers an above average rate on their three year, four year and five year term CDs.  The three year CD has a rate of 1.55 percent, the four year term certificate earns 1.80 percent, and the five year maturity has an interest rate of 2.10 percent. 

All three bank CDs require a minimum opening deposit of $2,500.00 to earn the advertised yields.  The bank CDs are automatically renewable with a 10 day grace period.  The interest earned on the accounts can be compounded back into the CD or can be deposited to a Central Bank checking or savings account. 

Additional CD terms are available from the bank with one month to 5 years.  All accounts have the same $2,500.00 minimum deposit needed to open.  Early withdrawal penalties may apply.  In addition to a full array of traditional bank CDs and deposit products, Central Bank also offers loan products and home mortgages.

Central Bank is a full service, independently owned Florida bank that serves the banking needs of individuals and small businesses in the Tampa metropolitan area.  The bank has one office located in Tampa.  Certificates of deposits at Central Bank, which are FDIC insured, can be one of the safest investments available.  The added boost in the Annual Percentage Yield makes these accounts all that more desirable.

More information about the CD account rates and other products and services available at Central Bank can be obtained by visiting the bank web site at centralbankfl.com or calling the bank customer service number at 813-929-4477.

The annual percentage yields listed assumes interest will remain on deposit until maturity.  A withdrawal of interest or fees will reduce earnings.  Rates and terms are current as of March 4th, 2015 and are subject to change at any time prior to opening an account.  Additional terms and conditions may apply.

Wallkill Valley Federal 2 Year CD Rate Promotion

Wallkill Valley Federal Savings and Loan has a new certificate of deposit promotion that offers one of the best two year term CD yields available nationwide.  Unfortunately for rate shoppers, this promotion is only available to consumers in the market served by the bank.  Wallkill Valley Federal serves Orange and Ulster County, New York and the surrounding area.

The current interest rate on the 24 month CD rate promotion is 2.015% APY.  The minimum deposit needed to open the accounts and obtain the advertised rate is $2,500.00.

A yield of two percent on a two year term fixed income account is a big deal right now.  When compared to certificates of equal maturities, this CD rate promotion is almost six time the FDIC national average rate (0.34 percent) and 65 basis points above the current best two year CD rate available nationally (1.35 percent).  The rate is also three times the rate offered on a comparable term two year Treasury notes (0.67 percent).
 
Wallkill Valley Federal Savings and Loan offers additional certificates of deposit with terms that range from 6 months to 60 months.  All CD interest rates are subject to change without notice prior to opening an account with the bank.  Penalties may be imposed for early withdrawal of principal from the accounts.  Additional terms and conditions may apply.

Wallkill Valley Federal is FDIC insured, full service bank offering a full range of banking and other financial services.  Wallkill Valley is a community bank that serves Orange and Ulster Counties in New York State with four bank branch locations in the region.

Additional information on the current bank promotion or other products and services offered by the bank can be obtained buy visiting the bank’s web site at wallkill.com or calling the bank directly at 845-895-2051.

Capitol Federal Savings CD Rate Promotion

Capitol Federal Savings has a rather unusual CD rate promotion running…that will be running for a high yield certificate of deposit account.  The Cap Fed promotion is a one day deal that is available on Presidents’ Day, February 16, 2015.  The CD rate promotion is for a 27 month term certificate and comes with an Annual Percentage Yield of 1.50 percent.

The rate offered on the Cap Fed promotion is almost five times the national average CD rate found on comparable term accounts and exceeds the best CD rate found on two year term certificates available nationwide.

The bank CD is available for personal, retirement or personal trust account deposits only.  There is a $1,000.00 minimum balance needed to open and earn the advertised APY.  Early withdrawals from the account may be subject to penalty.  Additional restrictions and conditions may apply.

Only available for personal accounts that are opened in person at any Capitol Federal bank branch location or applications that are sent by mail and received on or before February 16, 2015 and will be opened only on that date. 

Capitol Federal Savings Bank has 47 branch locations, serving primarily the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia and Salina, Kansas and a portion of the metropolitan area of greater Kansas City.  The bank offers an array of savings and lending products for consumers and is one of the largest residential lenders in the State of Kansas.

Additional certificate of deposit products are available from Cap Fed with terms ranging from three months to eight years.  More information about Capitol Federal Savings Bank and the bank promotion can be obtained by visiting the bank web site at capfed.com or by calling the bank’s customer service number at 1-888-822-7333.

iGObanking One Year CD Rate Promotion

 The current bank CD rate promotion from iGObanking.com is short and sweet.  iGObanking, the online banking division of Flushing Bank, is now offering a one year term certificate of deposit that has an interest rate of 1.30 percent.  The high yield interest rate on this CD makes it’s the highest one year term CD rate available nationwide.

The Annual Percentage Yield (APY) listed is effective as of February 9, 2015.  The minimum balance required to open one of these accounts is $1000.00.  The interest rate is a guaranteed rate once the account is opened and will not change for the term of the account.  CD interest earnings on the bank accounts are compounded daily and credited to the account holder monthly.

A penalty may be imposed for early withdrawal on CDs.  The fee the bank may impose will equal six months simple interest on the amount withdrawn subject to penalty.  A penalty may reduce principal.  Other than the early withdrawal penalty, all CD accounts have no fees.

iGObanking offers a variety of additional CD accounts and savings products.  Maturities on the standard bank CDs can be from 3 months to ten years.  Deposits held at iGObanking.com, a division of Flushing Bank, are FDIC insured up to the maximum allowable limits.

To open one of the bank’s high yield CDs, consumers need to open the account online at the web site, iGObanking.com, and follow the steps to complete the account application.

iGObanking

More information can be obtained by visiting the web site or calling a bank representative at 888-432-5890.

The current CD rate on the one year term account promoted by iGObanking is more than six times the national average CD rate.  The promotional rate may be changed at any time prior to opening an account.  Restrictions may apply.

Big Short Term CD Rate Promotion with CalFirst Bank

CalFirst Bank, based in California, has new promotion on their short term certificates of deposit.  The new CD rate promotion boost Calfirst to the top of the list for the highest yielding short term CD rates available nationwide.  The CD rate promotion is for the three month and six month term certificates that are available through the bank. 

 The current rates for these two CD accounts are 0.60 percent on the three month maturity and 1.00 percent on the six month maturity.  As of this publication date, the rates promoted are the highest CD rates for these two terms available nationwide.

The minimum deposit to open one of the bank CD accounts is $5,000.00, this is also the minimum balance required to obtain the APY shown listed.  CalFirst offers other savings products as well as additional CD terms including one year, two year, and three maturities.

Along with being the leading rates in the nation for the terms listed, the interest rates promoted by CalFirst are more than seven times the national average rate for comparable term certificates as of the February 2nd, 2015.  The average three month CD rate is currently 0.08 percent and the average six month rate is just 0.12 percent (see FDIC weekly national rates).

CalFirst Bank, California First National Bank, is an FDIC-insured national bank.  The bank has assets of just over $500 million making it the 84th largest bank based in California.  CalFirst is based in Orange County, California and offers consumers the option to open accounts online, via phone or by mailing an application to the bank. 

Account holders may elect to transfer the interest earned on the CDs to an existing CalFirst checking or money market account.  There is a penalty for early withdrawal of funds.  Interest rates may be adjusted at the bank’s discretion.  Service charges and penalties may reduce the advertised APRs.

A CalFirst representative can be reached for more information by calling the banking center at (800) 735-2465 or by sending an e-mail to bankinfo@CalFirst.com.

As of the most recent filing with the FDIC, CalFirst is a well capitalized bank with no delinquent loans, a core capital ratio of 19.75 percent, a tier 1 capital ratio 19.17 percent, and a total risk based capital ratio of 20.13 percent.  For comparison purposes, the average core ratio of all 6,000+ FDIC insured banks is 9.52 percent, the average tier 1 cap ratio is 13.01 percent, and the average total risk based cap ratio is 14.44 percent.  CalFirst’s conditions are well above the average financial institution.

First United Bank TX and OK CD Rate Promotion

A new CD rate promotion is available in Texas and Oklahoma from First United Bank based in Oklahoma.  First United Bank is not only offering two new high yield CDs but, First United is taking away some of the inflexibility inherent in CD accounts with a rate bump option.

First United has two midterm accounts that have odd terms and offer above average interest rates. The odd terms include an 11 month term certificate and a 23 month term CD account.  These CDs come with a rate bump options that gives the accountholder the option to “Bump-Up” to the new rate one time during the term of the certificate.  The new interest rate for the account will remain in effect until the CD maturity date.

The CD rate promotion for the 11 month term certificate is 0.90 percent APY and the 23 month CD rate promotion is 1.15 percent APY.

The First United promotional CD rates are three to four times the national average rate for comparable term accounts.  Current national rates for comparable term accounts are 0.20 percent for a 12 month CD and 0.34 percent for a 24 month term account based on the most recent data available from the FDIC.

In addition to the current CD rate promotion, First United offers a full range of personal savings accounts, money market accounts and CDs with various terms and competitive interest rates.

The minimum opening deposit for the First United CD accounts is $1,000 in new money.  A penalty may be imposed for early withdrawal.  Fees could reduce the earnings on the account.  Terms, conditions and the bump-up promotion are subject to change without notice.

First United offers a full range of personal banking, commercial banking, wealth management, insurance and mortgage products and services to customers over 30 locations throughout Oklahoma and North Texas.  More information about the First United Bank CD rate promotion can be obtained by calling the bank at (800) 924-4427 or visiting the bank web site at firstunitedbank.com.

First Priority Bank 18 Month CD Rate Promotion

First Priority Bank has special 18 month CD rates available in Southeastern Pennsylvania.  First Priority Bank is headquartered in Chester County with branch locations in the Berks, Bucks, and Montgomery County markets.

The current CD rate promotion from First Priority Bank is for an 18 month certificate with an interest rate of 1.55 percent.  There is a minimum balance requirement of $500.00 needed to open one of the certificate accounts.  Interest earned on the bank CD account must be deposited into a First Priority Bank checking account.

The bank rate promotion is current as of November 10, 2014.  For the week of November 10, 2014 the average CD rate for a 24 month certificate based on data supplied by the FDIC is more than one percent lower at 0.34 percent.  The average rate on the best 18 month CDs available nationally for the week on November 10th is 1.09 percent; the yield at First Priority eclipses this rate by almost ½ of a percent or 50 basis points.

First Priority Bank has a full range of products and services to meet the needs of banking customers in the region served by the bank.  The bank offers a variety of distinctive products with personal attention including checking accounts, wealth management services, and high rate CDs.

Additional CD products can be found at the bank with terms as short as 90 days or as long as 5 years.  The First Priority Bank CDs and other deposit accounts are insured up to the maximum amount allowed under the FDIC’s general deposit rules per account holder.

More information about First Priority Bank and the bank CD rate promotion can be obtained by calling the bank at 610-280-7100 or visiting the bank web site at fpbk.com.

BankDirect Back with High Yielding CD Rates

BankDirect, the national Internet banking division of Texas Capital Bank, has ratcheted up their CD rates once again.  BankDirect CD rates are very competitive across a number of maturities and are now well above the national average CD rates.  Stand out yields can be found on the one year certificates, two year certificates, 30 month term CDs, and the three year bank CDs.

BankDirect is one of the leaders in online banking, opening for business in 1999.  The company serves customers throughout the United States from its web site.  The online CDs at BankDirect are risk free, as well as safe and secure.  The bank accounts are insured by the FDIC, under Texas Capital Bank insurance certificate, up to the maximum allowable per account holder.  The bank provides competitive interest checking, savings, and money market accounts as well as certificates of deposit.

The CD accounts offered by BankDirect are all fixed rate accounts which means both the interest rate on the CD as well as the annual percentage yield (APY) are guaranteed for the full term of the certificate of deposit.

The top performing high yield CDs at BankDirect include the following APY’s and terms:

The 12 month CD has an interest rate of 1.10%.
A 24 month CD has a rate of 1.25%.
The 30 month CD interest rate is 1.15%.
A three year term certificate has a yield of 1.45%.

Additional term CDs and rates are available including 90 day CDs, six month CDs, 18 months CDs, four year, and five year CDs. All CD accounts require a minimum deposit of $10,000.00 to open and earn the advertised yield.

The CD rates listed are current as of October 19, 2014 and are subject to change at any time.  Additional conditions may apply.  To find more information about the current CD rates and bank information, a BankDirect customer service representative can be reached by calling the toll free number at 1-877-839-2737.

The bank and bank rate information displayed is believed to be accurate and current; however the rates and information shown on this page may be out of date.  Please check with the bank directly for the most up to date and accurate information.

NASB CD Rate Promotion

North American Savings Bank (NASB) is offering a new CD rate promotion for customers that have a checking account relationship with the bank.  The CD interest rate offered is based on a tiered structure with higher rates paid to account holders that hold larger checking account balances.

The bank offers several different terms and rates in the current promotion.  Two standout terms in this offer include the 13 month CD and five year CD.  For account holders that have a checking account with NASB that has a balance of at least $1,000.00, the 13 month CD rate is 0.95%.  If the checking account balance is greater than $2,500.00, the CD rate is 1.00%.  And if the checking account balance is in excess of $10,000.00, the CD rate offered is increased to 1.10%.

The five year term certificate rate starts at 2.00% for customers that hold a checking account with a balance of $1,000.00, 2.05% for account balances of $2,500.00, and 2.10% for checking account balances of $10,000.00 or greater.

NASB offers a variety of checking accounts that are available and may be used to qualify for the relationship CD rate.  However, the bank’s Rewards Checking and Money Market Checking are not eligible for the relationship CD rates.  The CD rate promotion is based on the amount of funds held in the checking account; all of the bank CDs have a minimum required deposit amount of $1,000.00.

The CD interest earned is compounded daily.  The Annual Percentage Yields listed assume reinvestment of principal and interest at the same rate.  All rates subject to change without notice.  Early withdrawal penalty may apply.  Fees can reduce the earnings on the account. The rates are accurate as of September 28, 2014.

North American Savings Bank is based in Grandview, MO.  The bank operates six offices in greater Kansas City, Missouri and others in Harrisonville, St. Joseph, and Excelsior Springs, Missouri.  The bank is also a nationwide residential mortgage lender.

For more information about the North American Savings Bank promotion, a bank customer service representative can be reached by calling NASB toll free at 800-677-6272.

To compare these rates with the best nationwide CD rates available by term see the following rate tables: six month CD rates, one year CD rates, two year CD rates, and five year CD rates.

Regions Mortgage Rolls Out New First Time Home Buyer Program

Regions Financial, the holding company for Regions Bank and Regions Mortgage, introduced a new home loan product for first time home buyers.  The new mortgage program is designed to make it easier for new home buyers to qualify for a mortgage loan.

The new first time home buyer product has lower barriers for qualifying for a loan by offering elements such as no closing costs with the exception of prepaid costs, a low 5% down payment or 95% financing, options for borrowers without a traditional credit history, and allowances for down payment assistance from family members.

The loan program is a fixed rate mortgage product.  The traditional closing costs that are found on majority of home loans are covered by Regions and not directly paid for by the borrower.  This new program also features a home buyer counseling program to help new borrowers understand the demands and costs associated with home ownership.

The timing for the product is certainly spot on.  Many potential first time home loan borrowers have expressed concerns about uncertainty about qualifying for a mortgage and the complexity of navigating the home buying process.  In addition, since the majority of mortgage lenders have tightened their lending guidelines in the past few years, borrowers have been struggling to find loans for new home purchases.

Regions Mortgage is one of the largest residential mortgage loan originators and servicers in the nation.  The mortgage lender offers a full array of residential mortgage products and services through its retail and correspondent lending channels.  Regions Bank serves customers in 16 states with approximately 1,700 offices in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas and Virginia.

All home loans offered by Regions are subject to qualification, required documentation and credit approval.  Certain exclusions may apply.  The current loan terms and loan availability is subject to change.

For more information about the first time home buyer mortgage loans, a Regions Mortgage loan originator can be reached by calling 1-877-536-3286.

Wilshire Bank California CD Rate Promotion

Wilshire Bank is offering a new CD rate promotion for California banking customers.  The new CD promotion is for a 15 month term certificates and earns an interest rate of 1.20% APY.  There is a minimum balance to open and obtain the advertised APY of $10,000.00.

CD interest earned on the account can be credited to a Wilshire Bank checking account of the same ownership or paid by check monthly to the account holder.

Early withdrawal penalty will apply.  Based on the current terms, the early withdrawal penalty for this account is extremely low; the 15 month term account has a 30-days simple interest penalty for early termination.

The Wilshire Bank California CD rate promotion runs from September 2, 2014 to December 31, 2014.  Restrictions may apply.  This is a limited time offer by the bank.  Additional terms and restrictions may apply.  Account terms and conditions are subject to change without prior notice.

Headquartered in Los Angeles, California, Wilshire Bank operates over 35 branch branches in California, Texas, New Jersey, and New York.

More information about the promotion can be found at the Wilshire Bank web site located at Cali CD.  A Wilshire State Bank representative can be reached by calling customer service at 213-427-0123.  A list of bank branches with each branch address, branch phone number and hours of operation can be found at Wilshire State Bank locations.

Wilshire State Bank offers additional bank CDs for consumer accounts.  The bank’s standard CDs have maturity terms from 30 days to 3 years.  The minimum opening deposit for the standard bank CDs is $1,000.00.  Interest on the standard CDs may be credited to another checking or savings account with Wilshire or another bank and credited to the account at maturity.  A review of the best CD rates in California should be considered before opening a new account or committing new funds to a savings program.

CSBdirect CD Rate Promotion Highest in Nation

CSBdirect has recently upped the ante on their certificate of deposit promotions by boosting the yields on three of their CD accounts.  The bank has dramatically increased the one year CD rate, two year CD rate, and five year CD rate and now offers the best yields available across the nation for these maturities.  The current one year CD rate through CSBdirect is 1.25%, the current two year rate is 1.55%, and the five year CD rate is a chart topping 2.35%.

To put the returns offered on these accounts in perspective, the FDIC is reporting the current one year national average bank CD rate is 0.20%.  The national average rate for two year CDs is at 0.33% and the five year CD national average rate is 0.77%.  That’s seven times the national average rate for the one year certificate at CSB, five times the national average on the two year and three times the national average on the five year.

The two year CD rate offered by CSB is also a rather startling, 30 basis points above the next best two year CD rate available nationally.  A spread between top yielding accounts that has not been seen for some time.  The one year CD rate is 15 basis points above the next best one year CD rate and the five year rate has leaped right the past the best five year CD rates that have been dominated recently by banks such as Synchrony Bank, GE Capital Bank, and EverBank.

CSBdirect is the online division of Citizens State Bank.  The CSBdirect accounts are available online in all 50 states.  The CD requires a low minimum deposit of $1,000.00.

Citizens State Bank (CSB) is an FDIC insured financial institution that currently operates four branches in Florida along with online banking operations.  CSB offers some of the highest rates available on their interest checking account, money market account, savings account and certificates of deposit.  The bank offers several certificates of deposit with various features and benefits designed to fit a variety of different savings needs and time horizons.

The CD interest rates listed are subject to change at any time, however, the rate in effect when a certificate is opened with the bank is guaranteed to maturity.  There is a penalty for early withdrawal prior to maturity.  Additional terms and conditions may apply.

More information on the bank products and services can be obtained by calling Citizens State Bank at 800-800-6593 or visiting the bank web site located at csbdirect.com.

Darien Rowayton Bank CT CD Rate Promotion

Darien Rowayton Bank is running a CD rate promotion through their bank branches in Darien, Rowayton, and Southport, CT.  The Connecticut based bank is offering three separate promotions on their CD accounts.  The odd term, CD rate promotions are available along with the bank’s standard high yield CDs.  The current bank CD rates available are among some of the best rates available in CT.

Promotional rates from Darien Rowayton Bank are available on a 17 month, 45 month, and 59 month term CDs.  The 17 month term CD rate is 1.50%, the 25 month CD rate is 1.00%, and the 59 month CD has an interest rate of 2.00%.

The minimum deposit amount for the bank CDs listed is $500.00 with the exception of 25 month term account which requires a minimum deposit of $5,000.00.

The standard bank certificates of deposit products allow customers to lock in rates for a specified term that best suits their needs.  The standard bank CD terms run from three months to four years and have a minimum deposit of $500.00.

The Annual Percentage Yields (APY) listed may change without notice.  The APY on the CD accounts assumes that principal and interest will remain on deposit for one year.  Interest earned on the Darien Rowayton Bank CDs begins to accrue on the business day a CD account is opened.

More information about the bank CD rate promotion in CT and other bank products and services can be obtained by calling the bank at 203-656-3500 or visiting the bank web site at www.drbank.com.  Additional account terms and CD rates in CT are available from the bank.

Darien Rowayton Bank is a privately-owned bank that provides financial services and products to self-employed clients, local businesses and community members.  The bank offers a full range of consumer and business banking products, along with mortgage products at competitive rates.  Darien Rowayton operates three locations in Darien, Rowayton, and Southport, CT.  A list of branches with the hours of operation can be found at Darien Rowayton Bank locations.

The bank CD interest rates listed are based on the institution’s online published rates and may have changed since this publication date.  This information is believed to be reliable, but the information is not guaranteed.

Bank of China CD Rate 2.68% Promotion in RMB

Bank of China, headquartered in New York, is offering a special CD rate promotion on their one year CD based on the Chinese currency or Renminbi (RMB).  The CD rate on the Bank of China promotion is fixed at 2.68% and is available at the Bank of China local offices in New York on Madison Avenue and in Flushing. 

The CD rate on the RMB based account is fixed however, the account is held in the Chinese currency, Renminbi, and is therefore subject to exchange rate risk which could impact the principal value of the account and the rate of return.  The nominal rate or APY of 2.68% posted on the account could be reduced due to the cost of currency conversion or due to changes in the value of the Renminbi relative to the U.S. Dollar.  Of course, currency fluctuations could augment the rate of the return on the CD account as well.

If the RMB strengthens against US Dollar, the rate of return on the account could be higher.  If the RMB weakens against US Dollar, the rate may be lower than the posted APY.

For those with limited exposure to foreign exchange valuations, a strengthening currency is one that buys more foreign currency and a weaker one buys less of the foreign currency.  A weakening dollar would buy fewer RMBs over time.  As an example, if on August 28, 2013 the dollar is worth 6.1667 RMBs and on August 28, 2014 the value of one dollar goes to 6.1638 RMBs, the US Dollar is weakening while the RMB is strengthening.  

The example listed is based on actual figures on currency values for the dates listed.  In that example, while the dollar is weakening, the RMB is strengthening.  The dollar buys fewer RMBs and therefore, fewer RMBs are needed to buy one dollar.  For the past four years, the dollar has in fact weakened against the RMB and the RMB has strengthened against the dollar.

To put this in perspective for the CD account holder, if an account holder invested in a RMB based CD on August 28, 2013 in an amount of $20,000.00, they would be holding a CD valued at 123,334 RMBs (20,000 x 6.1667).  If the account matured on August 28, 2014 the 123,334 RMBs would be converted back to 20,009.41 US Dollars (123,334 RMBs / 6.1638).  A very slight gain due to the change in the value of the currency (a stronger RMB or weaker US Dollar).  This example does leave off the cost of converting the currency back and forth, a customary charge put in place at most banks and financial institutions, which will most likely turn this small gain into a loss.  The example has also excluded the CD interest rate or fixed rate of return on the account.

The certificate of deposit account offered by Bank of China is an FDIC insured account.  The New York offices of Bank of China are chartered as U.S branches of a foreign institution and are FDIC insured locations.  The accounts at the New York branches of the Bank of China are FDIC insured against losses if the bank fails, but that does not protect the account holders from losing money if the value of the currency (RMB) decreases.

The minimum deposit amount needed to open the CD account is $20,000.00 which is converted to RMBs at the current exchange rate with the bank when the account is opened.

Additional terms and conditions apply.  The CD rate promotion offered by Bank of China is for new deposits made between August 18, 2014 and November 18, 2014.  Terms and conditions are subject to change at the bank’s discretion.  More information can be obtained by contacting Bank of China at 212-935-3101 or 212-925-2355.

NexBank CD Rate Promotion

NexBank based in Dallas Texas is offering a new CD rate promotion open to consumers nationwide.  The CD rate promotion from NexBank covers three maturities with interest rates that are head and shoulders above the national average rates for similar term CDs.  Terms on the certificates are in the mid-range, between 12 and months and two years, offering account holders a combination of superior rate and flexibility.

The NexBank promotion includes a 12 month certificate that earns a rate of 0.90%, an 18 month term CD with a 1.15% rate of return, and a two year certificate that yields 1.25%.

Each CD in the bank promotion available through NexBank has a minimum deposit requirement of $10,000.00. These CD accounts have no monthly fees and can be opened at the bank in Dallas or online via the bank website.

NexBank is the fifth largest bank headquartered and operating in Dallas.  The bank provides commercial, investment and mortgage banking products and services.  Consumers can find a wide range of lending products and deposit services through NexBank including the high yielding CDs.

Additional savings products marketed by NexBank include savings accounts with competitive rates, easy fund transfers, online banking, and ATM card availability along with more CD accounts that have competitive rates and flexible terms.  NexBank frequently offers special promotions on their savings products and CD accounts. More information on the bank products and services as well as the current CD promotion can be obtained by calling the bank directly at 972.934.4700 or 1.800.827.4818.

The listed bank promotion is current as of August 14, 2014 and is subject to change at any time. Additional terms and conditions may apply to open one of the NexBank CD accounts and obtain the advertised rates.

FirstBank College Savings Plan Promotion

FirstBank is offering a $50.00 bonus for customers that open a CollegeInvest 529 Savings Plan Account.  The bank bonus is earned by opening a FirstBank CollegeInvest Smart Choice College Savings Plan online with a minimum opening deposit of $50.00 and an automatic transfer into a FirstBank College Savings Account of at least $1.00.  The automatic transfers must have at least a monthly occurrence for six consecutive months to earn the $50.00 bank bonus however; the bank bonus is awarded when the account is opened.

FirstBank offers two types of Smart Choice College Savings Plans that qualify for the bonus, a money market savings plan and a 1–year time savings plan.  For more details about the savings plans, the bank provides a resource page on their web site located under the Plan Disclosure Statement at https://www.efirstbank.com/_assets/documents/csa-pds.pdf.

The purpose of the CollegeInvest Smart Choice College Savings Plans is to assist individuals and families as they save for qualified higher education expenses through a “qualified tuition program” under Section 529 of the Internal Revenue Code.  To be eligible to apply for this account, account holders must be a U.S. Citizen or U.S. Resident Alien.  Other restrictions and conditions may apply.  This a limited time offer, FirstBank reserves the right to change, end, or amend the offer at anytime.

New or existing customers of the bank can call (303) 237-5000 or toll-free at 1 (800) 964-3444 to speak with a FirstBank customer service representative 24 hours a day, seven days a week for more information about the bank bonus or information about the savings plans or the bank’s products and services.  More information about the customer services available at the bank can be found at FirstBank customer service.

FirstBank is the largest locally owned bank based in Colorado; the bank has over $13 billion in total assets and operates more than 110 branch locations in Colorado, Arizona and California.

Lake City Bank CD Rate Promotion

Lake City Bank based in Warsaw, IN is currently offering four new CD account promotions.  The CD rate promotions at Lake City Bank are aptly named the Companion CDs.  The bank CDs are available to checking account holders at Lake City Bank and come with interest rates well above the national average rate for comparable term accounts.  Account holders must maintain an active Lake City Bank checking account for the full term of the Companion CD to earn the advertised annual percentage yield.

The minimum deposit needed to open a Companion CD at Lake City Bank is $10,000.00.  The bank offers six month, 13 month, 44 month, and 60 month term CD accounts.  The current CD rates promoted on these accounts are 0.25% for the six month term CD, 1.01% for the 13 month term CD, 1.51% for the 44 month account, and 2.00% for the five year maturity.

These are fixed rate accounts, the interest rate and APY will remain fixed until maturity.  The CD interest earned the accounts is compounded and credited annually to the Companion CD with the exception of the six month term account which has the interest compounded and credited at maturity. 

Account holders that close their Lake City Bank checking account before the end of the term, may have the terms of the Companion CD rewritten as a standard CD at the current interest rate and APY in effect for regular CDs for the remaining portion of the term. 

The APY disclosed assumes the interest remains on deposit for one year.  The interest rates and Annual Percentage Yields listed are accurate as of 8/1/2014.  Other terms and conditions apply.  More information about the Lake City Bank CD promotions and other accounts and services can be obtained by calling the banks’ main customer service number at (888) 522-2265.

Lake City Bank is an Indiana bank that focuses on serving Indiana consumers and businesses.  Lake City Bank has over $3.0 billion in assets and serves its Indiana customers with over 45 branches located in the following Indiana counties: Kosciusko, Elkhart, Allen, St. Joseph, DeKalb, Fulton, Hamilton, Huntington, LaGrange, Marshall, Noble, Pulaski and Whitley.

Best CD Rates in Covina CA with Simplicity

Simplicity Bank based in Covina California is offering three new CD promotions that offer some of the best CD rates in the region.  The bank CD rate promotions are competitive for mid-term and long-term maturities.  The rate increases put these accounts above the competition and well above the national average rate for comparable term CDs. 

Simplicity Bank is currently promoting a two year certificate of deposit in California that has a yield of 0.90%, a three year CD with an interest rate of 1.25%, and a five year certificate that yields 1.75%.  All of the bank CDs in the promotion require a minimum deposit of $10,000.00.  All accounts come with free online banking and eStatements from the bank.

The high yield CD rates can be obtained throughout the region served by the bank including the branches in Covina, Pasadena, Downey, Fontana, Los Angeles, Harbor City, Panorama City and Santa Clara, California.  Additional information can be obtained by calling one of the Simplicity Bank customer representatives at 800-524-2274.

The CD rates offered by Simplicity Bank are between two and three times the national average.  Based on the most recent data supplied by the FDIC for July 21, the national average rate for a two year certificate is 0.33%, the average rate for a three term CD is 0.59% and the average for the five year bank CD is 0.77%.  Simplicity’s rates stand well above theses rates.

The certificates of deposit are subject to a penalty for early withdrawals that are made prior to the date of maturity.  Fees or premature withdrawal of funds could reduce the earnings on the account.  The listed bank rates and terms are subject to change without notice.

Simplicity Bank is a federally chartered savings bank headquartered in Covina California.  The bank operates seven branches in California, as well as a statewide network of 45 ATMs.  Simplicity Bank is a full-service bank that provides checking and savings accounts, money market deposit accounts, certificates of deposits, holiday club accounts, individual retirement accounts, secured and unsecured loans, vehicle loans, home loans, home equity loans, income property loans and related banking products and services.

Ft Walton Beach Community Bank CD Rate Promotion

Beach Community Bank based in Ft Walton, Florida is currently offering a CD rate promotion on select CD accounts.  The CD rates in Florida offered by Beach Community Bank are well above the national average rate and do not require special actions by the account holder.  Bank customers can increase the interest rate they earn by comparing the promotional CD rates at Beach Community Bank with their bank and make the switch to earn more interest.

Beach Community Bank has raised the rates on several of its CDs.  The CD rate promotions includes a 13 month CD that has no penalty after 6 months and has an interest rate of 1.01%, a two year CD with no penalty after 12 months that yields 1.30%, and a 36 month CD that allows the account holder to flip-flop to any CD after 12 months with no penalty and has a rate of 1.49%.  The CD promotions require a minimum of $5,000.00 to open and account and earn the advertised rate and yield.

These CD specials are only available for customers in Okaloosa, Santa Rosa, Escambia and Walton counties in Florida.  Prospective customers that are out of these areas can call the bank at 866-362-3224 for a rate quote.

Annual Percentage Yields (APY) are accurate as of this publication date and are subject to change at any time.  The APY assumes interest remains on deposit.  Fees may reduce earnings on the account.  A substantial penalty will occur for early withdrawal on CDs. Additional conditions may apply.  The promotional CD rates offered in Northwest Florida are time sensitive and are offered for a limited time by the bank.  The listed rates do not include all of the CDs offered by the bank.

Beach Community Bank operates eleven bank branches across the Florida Panhandle.  Consumers in the region will find competitive CD rates at the bank locations in Fort Walton Beach, Destin, Niceville, Crestview, Gulf Breeze, and Navarre, Florida.

To search for additional CD rates in the region, refer to the Florida CD rates section at SelectCDrates.com.

Amboy Direct Savings Account $50 Bonus

Amboy Direct, the online banking division of Amboy Bank based in New Jersey, is offering one of the highest rate savings accounts in the nation and has added a bonus for new account holders.  Currently, new customers can earn a $50.00 bonus for opening a new online eSavings account with bank and earn the high yield that comes with the savings account.

The Amboy Direct eSavings account is a regular savings account that is funded and accessed online.  The savings account can be linked to a checking account so customers can easily move money to and from the savings account and their own checking account, without changing their current banking relationship.  Customers can authorize free online transfers at any time (24/7) to either the Amboy Direct account or to their current checking account.

The Amboy Direct eSavings account has consistently been a top ten bank savings account based on the annual percentage yield.  The interest rate on the account at the present time is more than ten times the national average for balances between $3,000.00 and $100,000.00.

The minimum initial deposit for the Amboy Direct savings account is $100.00.  The account has a tiered interest rate with balances of 0.00 to $300.00 receiving no interest, balances from $300.00 to $2,999.00 earning the minimum interest rate, and balances of $3,000.00 to $100,000.00 earning the maximum rate available.

To earn the $50.00 bank bonus, new account holders need to maintain a minimum monthly average balance of $3,000 or more for 90 days.  $50.00 will then be credited to the account holder by Amboy Bank on the next statement cycle.

The bank promotion is limited to one offer per new Amboy Direct household.  The bank offer may be modified by the bank at any time without notice.  Fees may reduce earnings.  The bank promotion is not available at Amboy Bank branches.

More information about Ambo Direct products and the current bank promotion can be obtained by visiting the bank website at amboydirect.com or calling the bank at 877-22-AMBOY.  The Amboy Bank direct online banking branch is located at 3590 US Highway 9 Old Bridge, NJ 08857.

Amboy Bank is a full service commercial bank headquartered in the Township of Old Bridge, New Jersey.  The bank was established in 1888 and the online banking division, Amboy Direct, was established in 2003.  All accounts at Amboy Bank and Amboy Direct are FDIC insured up to the maximum allowable by law.

The bank and bank rate information presented is believed to be reliable, but may have changed since this publication date, the information is not guaranteed.  Contact the bank directly for the most update and accurate information regarding the bank rates and account information.

Susquehanna Bank CD Rate Promotion Spring 2014

Susquehanna Bank has a new CD promotion starting in May 2014.  The Susquehanna Bank promotion is for an 18 month term certificate with a yield of 1.20%.  This bank promotion does not require a checking account commitment or a series of other conditions to be performed by the customer.  A deposit of new money is the only requirement to open the account and earn the advertised yield.

There is a $2,500.00 minimum opening deposit needed that cannot come from money that was already on deposit at Susquehanna Bank.  Customers can also choose an IRA CD with this promotion.  IRA CDs require a lower minimum deposit of just $500.00 to open the IRA CD and earn the APY.

The CD rate offered is effective as of 5/1/14 and may be subject to change without notice.  The annual percentage yield assumes that all interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  At maturity, the rate will be the non-promotional rate then offered by the bank for new accounts for the same amount and term.  There may be a substantial penalty for early withdrawal.  This bank deal is not valid with any other offer.

Susquehanna Bank is a regional bank that provides banking and financial services at more than 240 office locations in the Mid-Atlantic region.  Susquehanna operates bank branches in Pennsylvania, Maryland, West Virginia, and New Jersey.  The bank has additional savings and CD products available in addition to the current CD promotion.  The bank offers a variety of short and long term traditional bank CDs, liquid or no penalty CDs, and IRA CDs.

New or existing customers can open the CD online through the bank web site located at susquehanna.net.  Accounts can also be opened at any one of the bank branches.  More information can be obtained by calling a Susquehanna Bank representative at 800-311-3182.

The bank and bank rate information presented is believed to be reliable, but may have changed since this publication date, the information is not guaranteed.  Contact the bank directly for the most update and accurate information regarding the bank rates, CDs, and account information.

Top Ten CD Rates April 2014

CD rates moved higher at the onset of April with the longer term maturities leading the way.  The average rate across the most popular CD terms available nationally was up by 8/1000ths of a percent.  The average rate on the top ten highest CD rates across multiple terms was 1.084% on April 7th compared to an average rate of 1.075% in the first week of January.  Not much of a gain but, at least the index measuring the top CD rates is moving in the right direction for savers and investors that rely on these bank products for income, safety, and investment diversification.

The CD rate index measures the top ten highest CD rates from bank offering CDs across the country for terms of three months, six months, one year, two years and five years.

The greatest rate increases have taken place on the longer term CD maturities, as one would expect in a slightly rising rate environment.  Consumers will now find three banks offering five year CD rates at 2.25%.  Again, rates that may not make the average CD shopper giddy with excitement but these are numbers that were not seen at the onset of the year.  In early January of 2014 the top five year CD rates were just approaching 2.15%, ten basis points below where they are now.  Barclays Bank, CIT Bank, and GE Capital Bank all offer five year CDs yielding 2.25%.

Short term CD rates have not been nearly as active towards the upside as the longer term certificates are with the average rate coming from the top banks on these maturities still hovering close the yields seen at the start of the year.  The highest three month CD rate available nationally comes from UmbrellaBank.com, a division of Beal Bank.  The top CD rate on a three month term CD of 0.51% is unchanged from January of 2014.

One year CD rates have also changed little through the first quarter of 2014.  The top rates n the one year category are down from the start of the year with the average rate on the top ten highest one year CD rates falling to 1.018% during the first week of April from 1.033% in the first week of January.  The best one year CD rates are coming in at 1.05% with more than one bank promoting this rate nationally including CIT Bank, GE Capital Bank, and AmtrustDirect.

In the midterm category, two year CDs, rates have ratcheted up just slightly from the start of the year.  The average rate found on the top ten highest two year CDs available nationally started off in April with a yield of 1.163% or less than one basis point above where rates on two year certificates were when the year began, 1.158%.  The top performer in the two year maturity comes from SalemFiveDirect which offers the two year certificate at 1.25%.  Though the top bank for this term has rotated in the first quarter, the rate is unchanged.  In January two banks were offering two year term CDs at 1.25%.

Top CD Rates Available Nationally Aril 2014:

3 Month CD rate – UmbrellaBank.com 0.51%

6 Month CD rate – Bank5 Connect 0.90% (online division of BankFive)

9 Month CD rate – DoralDirect CD 0.91% (online division of Doral Bank)

One Year CD rate – GE Capital Bank, CIT Bank, and AmtrustDirect 1.05%

18 Month CD rate – BAC Florida Bank 1.06%

Two Year CD rate – Salem Five Direct 1.25%

Three Year CD rate – Intervest National Bank 1.45%

Five Year CD rate – GE Capital Bank, CIT Bank, and Barclays Bank 2.25%

Best Bank CD Rates for 2014

As bank rates move higher going into the New Year, it is a good time for savers and investors to reevaluate their savings allocations and take a look at the best bank CD rates for 2014.

During the last quarter of 2013, the clear leader in the short term CD rate category is Bank5 Connect.   Bank5 Connect is an online only bank.  Bank5 Connect is the online banking division of BankFive, an FDIC insured bank based in Fall River, Massachusetts.  The bank has consistently offered CD rates that are among the top ten best for six month, one year and two year maturities.

Bank5 Connect is currently offering a six month CD that has an interest rate of 0.90%.  The present six month CD rate offered by the bank is more than seven times the national average rate for a six month certificate which currently stands at 0.12%.  The bank is also now offering the best CD rate on a two year term certificate with a yield of 1.25%.

As 2014 starts off in a rising interest rate environment, reaching for long term CDs may not be the best approach for consumers to obtain the highest yields.  While there are now plenty of banks offering five year CDs that are 2.00% or higher, if the trend of rising long term interest rates continues, these yields will soon appear low with higher rates cropping up over time.

With an eye toward rising rates, savers and investors may be better served steering clear of longer term maturities and holding short or midterm certificates.  The top 18 month CD rate comes in at 1.15%.  This rate is just ten basis points or .10% less than the top two year CD rate which is currently at 1.25% but has a six month longer term.  AloStar Bank of Commerce offers the highest 18 month CD at 1.15%. 

AloStar Bank of Commerce is frequently found promoting high yielding CD rates, often being reported among the top ten best CD rates in the short and midterm maturity range, including right now, when the bank is not only the leader in the 18 month term category but the leader for one year CD rates as well.  AloStar Bank of Commerce’s one year CD has an interest rate of 1.10% which is over five times the national average rate of 0.20%.

For those savers that want to go long term, EverBank has been frequently taking the top honors for the best long term CD rates.  To end 2013, EverBank had the highest five year CD rate at 2.16% as well as the best four year CD rate at 1.68%.  In a rising rate cycle, these CDs can work well for diversification purposes but be careful; when interest rates rise the opportunity cost for having money tied up for five years can be high.

The start of the New Year is great time to review your savings and investments to reallocate those accounts that are not among the top performers to earn a better rate of return.

Seacoast Commerce Bank has the Top Short Term Bank Rates

Average bank savings rates and CD rates were little changed in the most recent national bank rate survey however, one bank is offering stand out rates on short term accounts for customers with fairly sizeable deposits.  Seacoast Commerce Bank based in San Diego, California is offering the highest yields on short term CDs and money market accounts that are currently available to consumers.

The recent bank promotion being conducted by Seacoast Commerce Bank includes a ten month term CD account that has an interest rate of 1.09% and an Annual Percentage Yield of 1.10%.  The account has a rather hefty minimum deposit of $50,000.00.  Compared to bank CDs with similar maturities this CD account has a rate of return well above the national average CD rate and exceeds the rates found on the highest CD rates available nationally. 

The ten month CD at Seacoast Commerce is presently five times higher than the closest comparable CD term, the one year term CD.  Based on the most recent data presented by the FDIC, the average rate on a one year CD is 0.20%.  The best one year CD rate available nationally is 1.05% and can be found at a few banks including GE Capital Bank, Dollar Savings Direct and CIT Bank.

The bank also offers a high yielding money market account that has a current rate of 1.00% for deposits of $50,000.00 and above.  The bank money market account promotion is labeled the Grand Opening Money Market Account.  This is a variable rate bank account, the interest rate and annual percentage yield for this account may change after account opening.  The average money market account rate posted by the FDIC is a scant 0.09%.  The Seacoast Commerce Bank money market account is currently the highest yielding money market account available nationally.

Seacoast Commerce Bank is a business bank headquartered in San Diego, California, with branch offices in San Diego, Chula Vista, Orange County, Los Angeles, Sacramento and San Ramon, California; Phoenix, Arizona; Las Vegas and Reno, Nevada; Dallas and Houston, Texas; Salt Lake City, Utah; and Bellevue, Washington.

The bank rates are current as of December 1, 2013.  The FDIC national rates were updated last on November 25, 2013.  The bank CD may have a penalty imposed for early withdrawal.  The bank CD interest rates and money market rates are based on the institution’s online published rates and may have changed since this publication date. 

This information is believed to be reliable, but the information is not guaranteed.  Contact the bank directly for the most up to date and accurate bank rates and account terms and conditions.  A Seacoast Commerce Bank representative can be reached during business hours Toll Free at (877) 531-5745.

Free Checking and $100 Gift Card at Northampton Bank

Northampton Cooperative Bank has a current checking account promotion that rewards new account holders and helps local businesses at the same time.  Northampton Bank is a western Massachusetts based bank that is offering a $100.00 bonus for opening a new checking account with direct deposit.  The $100.00 checking account is bonus is distributed to the new account holders as either a gift card or certificate for $100.00 to a participating local business.

The bank checking account promotion is for new checking account customers only.  The direct deposit must be made within 60 days of account opening the new account.  The gift card or certificate in the amount of $100.00 will be mailed to the account holder after the first month of direct deposit(s) of payroll, pension or government check(s) into Northampton Cooperative Bank free checking account totaling $350.00 per month or more.  There is a $10.00 minimum deposit required to open the account however, the bank’s free checking account has no minimum balance requirement once the account is opened. 

The free checking account at the bank offers free online banking and bill pay.  The account also allows unlimited check writing.  Account holders get free ATM access to Northampton Bank ATMs as well as up to five free ATM transactions at bank ATMs not owned or operated by Northampton Cooperative Bank per statement cycle.

Only one bonus or gift is allowed per household.  Certain exclusions may apply.  The bank offer may be discontinued at any time without notice by Northampton Cooperative Bank.

Reasonable efforts are made to maintain accurate information regarding all bank deals on this site including the current Northampton Cooperative Bank bank promotion.  However all bank product and service information is presented without warranty.  Contact the bank directly for the latest information on this and other promotions with the bank.

A Northampton Cooperative Bank customer service representative can be reached by calling the main branch at 413-584-4474.  A list of bank branches with each branch address, hours of operation and phone number can be found at Northampton Cooperative Bank locations.

Fairport Savings Bank Rates on New CD Promotion

The current promotional rates on certificates of deposit at Fairport Savings Bank offer higher interest rates than are available for similar terms among the top national CD rates.  While most higher rate CDs are offered by online banks, Fairport Savings Bank is a good old fashioned brick and mortar bank offering a variety lending and savings products in the greater Rochester, NY area.  The bank attracts retail deposits from the general public in the areas surrounding its main office and branches, offering a wide variety of deposit products including competitively priced, high yielding bank CDs.

Fairport Savings Bank conducts business from its main office in Fairport, New York and four branches located in Penfield, New York, Irondequoit, New York, Webster, New York, and Perinton, New York.

The banks current top CD promotion is a 19 month CD that has a yield of 1.25%.  The CD is available for new deposits only and a Platinum or Hometown checking account at Fairport Savings Bank is required to obtain the stated interest rate and APY.

The 1.25% yield is well above the average rate found on the top ten 12 month CD rates that are available nationally, 0.98%, or the current best 12 month CD rate available nationally, 1.05%.   The Fairport Savings Bank 19 month CD rate also surpasses the average rate on the top ten two year CDs, 1.13%, and matched the highest two year CD rate available nationally, 1.25%, which has a maturity five months longer than the Fairport Savings promotional CD.

And since locking up money in a long term CD in a rising rate environment isn’t very enticing to many savers, the shorter term CD at Fairport Savings Bank is a win-win for consumers within the market area served by the bank.

Fairport Savings Bank CDs offer competitive yields on a number of terms ranging from 31 days to 60 months.  The minimum opening deposit for the CD promotion as well as the majority of the standard bank CDs is $500.00.  The CD interest earned on the accounts is compounded daily. 

Additional resources to help consumers find the best CD rates in the region are available at SelectCDrates.com under the bank rate table, New York CD rates.

The bank CD interest rates are based on the institution’s online published rates and may have changed since this publication date.  This information is believed to be reliable, but the information is not guaranteed.  Additional terms and conditions may apply.  Contact the bank directly for the most up to date and accurate bank rates and account terms and conditions.

More information on the bank CDs and CD rates and can be obtained by calling the main Fairport office at 585 223-9080.  The Fairport Savings Bank web site can be found at fairportsavingsbank.com.

Checking Account Promotion at CertusBank

CertusBank is running a new checking account promotion that provides a bonus for establishing a new checking account with the bank.  With the CertusBank checking account promotion, new account holders can earn up to $125.00 in bonus deposits as well as an improved rate on the bank’s savings account. 

The bank pays a $100.00 initial bonus deposit when a customer opens a new checking account with direct deposit and bill pay.  An additional $25.00 can be earned by the new account holder if they use the account’s debit card five times in the first 60 days.

The bonus interest rate comes in the form of an additional 0.20% that is added on to the current account interest rate on the CertusBank Easy Savings account for the first 12 months.

To meet the qualifications for the $100.00 bonus deposit, the direct deposit must be established and received within 60 days of account opening and at least one Online Bill Pay payment must all be completed via CertusBank Online within the same 60 days of account opening.  To meet the qualifications for the $25.00 bonus deposit, the new checking account holder must complete 5 purchases with the CertusBank VISA® Debit Card within 60 days of account opening.

This checking account promotion is only available to new CertusBank checking account customers who open a CertusBank personal checking account.  The checking account must remain open in order for the account holder to receive the bonus deposits, which will be credited to the eligible account within 4 weeks of all conditions being met.  Accounts closed within 6 months of opening are subject to a deduction of bonus deposit from closing balance.

The savings account bonus premium is added to the current savings account rate form a period of 12 moths.  The savings account is a variable rate account that is subject to change at any time and after account opening.

CertusBank is a full-service, nationally chartered bank that is based in South Carolina.  The bank serves residents in ten states with more than 35 bank branch locations in the Carolinas, Florida, and Georgia and offers access to over 50,000 surcharge free ATMs.

Additional information on the checking account promotion and other bank products and service offered by CertusBank can be obtained by calling the CertusBank customer service number at 800.596.7100.  A list of bank branches with the hours of operation, branch phone number and local branch address can be found at CertusBank locations.

The bank account and promotion information presented is believed to be reliable, but may have changed since this publication date, the information is not guaranteed.  Other terms and conditions may apply.  Contact the bank directly for the most update and accurate information regarding the bank services and account information.

Big Texas CD Rates from a Tiny Texas Bank

Finding big CD rates in Texas is not too easy to come across in this current interest rate environment.  The task may seem especially trying when looking among the smaller institutions based in the Lone Star state.  But low and behold, a tiny bank hiding in plain sight right in the heart of the state offers some Texas sized CD rates.  In fact, this tiny bank offers CD rates that tower above the national average CD rates at the present time.

The big Texas CD rates can be found at Oglesby State Bank.  Texas is home to roughly 550 banks or more precisely, 554 based on the most recent data available from the FDIC.  Oglesby State Bank ranks as the second smallest bank in the state or number 553 based on total assets.  As rude as it sounds, size does not matter when it comes to grabbing the best CD rates. 

Little Oglesby State is FDIC insured just like Chase Bank or the largest bank based in Texas, Comerica Bank.  And little Oglesby State offers CD rates well above the rates offered by those institutions.  Little Oglesby State Bank didn’t get into the banking business yesterday, the bank was established in 1925 and has served as a financial services source for the consumers and businesses in Oglesby and the surrounding area since that time.

The CD rates in Central Texas promoted by Oglesby State Bank are fixed for the term of the CD and interest is calculated daily and compounded monthly, quarterly or semi-annually.  The interest may be reinvested in the account, credited to a Oglesby State Bank checking, savings, or money market account, or paid directly to the customer by check. 

The bank offers terms from 30 days to 60 months.  There is a minimum deposit requirement of $500.00 needed to open the bank CD accounts.  The CDs are automatically renewable and there is a grace period for withdrawal or deposit without penalty at the time of renewal. 

Current CD rates available in Central Texas from Oglesby State Bank include the following interest rates and terms:

The shortest term, 30 day CD rate is 0.10%. 
The 3 month term CD has an interest rate of 0.25%. 
6 month CDs earn an interest rate of 0.35%.
The One year CD rate is 0.65%.
18 month CDs at Oglesby yields 0.75%.
A two year CD has an interest rate of 0.85%. 
The 30 month CD and three year term certificate both yield 1.00%. 
A five year CD rate is at 1.50%.

The national average CD rates for similar term certificates posted by the FDIC on May 20, 2013 include the following:

The three month national CD rate is just 0.08%.
Six month CD rates are at 0.13%.
The one year national CD rate is 0.21%.
The five year rate is 0.74%.

The CD interest rates listed are current as of May 21, 2013 and are subject to change at the bank’s discretion prior to opening an account.  Early withdrawals will be subject to a substantial penalty.

Oglesby State Bank offers a wide variety of other account options, including checking accounts, interest-bearing accounts, commercial checking, savings accounts, and IRA CDs.

For more information on the bank CDs and CD rates offered in Central Texas by Oglesby State Bank, a customer service representative can be reached by calling the bank at (254) 470-2261.

50 Dollar Bonus for Opening a New Checking Account with Bank of Albuquerque

Bank of Albuquerque has a current promotion for new checking accounts that pays $50.00 to new account holders.  New customers to the bank are eligible for the bank promotion by activating direct deposit transactions with a minimum amount of $150.00 or by making 10 debit card transactions with a minimum of $10.00 per transaction.  The $50.00 bank bonus offer is valid for personal checking accounts opened on 2/1/13 through 3/31/13.

The bank promotion is available to new personal checking account holders only.  A $50.00 minimum opening deposit balance is required to open one of the bank checking accounts and obtain the bonus.  The new checking account must be opened and maintained in good standing for 6 months to qualify.

Regarding the direct deposit requirement, to qualify for the offer, your first recurring direct deposit such as Social Security, Pension or Payroll must be completed within sixty (60) calendar days of your account opening date and must be at least $150.00.  The ten (10) eligible Debit Card transactions must be posted to the Bank of Albuquerque checking account within sixty (60) calendar days of your account opening date.  Eligible Debit Card transactions must be at least $10.00 per transaction.  The $50.00 will be automatically deposited 10 business days after the conditions noted above have been met provided the account is in good standing.

Offer is not available on account conversions and is limited to new personal checking account households only.  Limit one (1) new account and bonus per household.

New checking accounts at Bank of Albuquerque can be opened by visiting one of the 22 banking centers located in New Mexico.  New checking accounts can also be opened online using the offer code, FREE50.  More information on the Bank of Albuquerque checking account promotion can be obtained by calling the bank at (800) 583-0709.

Bank of Albuquerque is headquartered at 201 3rd St. NW, Suite 1400, Albuquerque, NM.
Bank of Albuquerque is a division of BOK Financial, a $27 billion regional financial services company, based in Tulsa, Oklahoma.

Review the bank promotion with Bank of Albuquerque before opening a new account.  The bank information and any bank rates are not guaranteed and may have changed since this publication date.  Additional terms and conditions may apply.  Check with the bank directly for the most up to date and accurate information.

Super Bowl CD Rates in Baltimore at Liberty Bank

Consumers in Baltimore can celebrate the latest Super Bowl victory in two ways, by relishing in the performance of their home team, the Baltimore Ravens, or by earning a little extra money on their savings with a high yielding CD at Liberty Bank of Maryland.  Just like the Ravens above average record on the field, Liberty Bank of Maryland offers consumers in the region served by the bank above average rates of return on their bank CD accounts.

While the Ravens may be a more beloved institution in the Baltimore area, Liberty Bank of Maryland has been providing services to the community long before the Ravens arrived in 1996.  Liberty Bank of Maryland is a financially strong, local FDIC insured financial institution that traces its roots back to 1885.  And though, the bank does not employ Ray Lewis, they do offer a variety of interest earning savings products, loan products and convenience services to the communities of Baltimore and the surrounding area. 

A high CD interest rate may have been no match for the 49ers, but the combination of high interest rates with the safety and security of a local bank account can provide a big impact on an individual’s balance sheet.  All of the retail deposit accounts at Liberty Bank are insured by the FDIC.

Current CD rates in Maryland offered by Liberty Bank of Maryland include the following interest rates and terms for February 4, 2013:

The 91 day CD rate is 0.50 percent.
A six month CD in Maryland offered by the bank also has an interest rate of 0.50 percent.
The one year bank CD rate is 0.55 percent.
The odd term, 15 month certificate has an interest rate of 0.70 percent.
An 18 month CD with Liberty Bank has a rate of 0.75 percent.
The two year CD rate in Maryland is at 0.90 percent.
A three year certificate yields 1.01 percent.
The four year CD interest rate is 1.26 percent.
A five year bank CD earns a rate of return of 1.51 percent.
The bank’s long term CD in Maryland, the 7 year CD, has a yield of 1.61 percent.

Liberty Bank of Maryland also offers a few step up CDs that allows the account holder the option of changing to a higher CD interest rate, if available and with restrictions, one time during the term of the certificate.  Step up CD rates offered by the bank include:

A 19 month step up CD that has an interest rate of 0.95 percent.
A 25 month step up CD yielding 1.01 percent.
A 37 month term step up CD interest rate of 1.11 percent.

The Maryland CD interest rates are based on the institution’s online published rates and may have changed since this publication date.  A penalty for early withdrawals may be imposed on certificate of deposit accounts.  All of the bank interest bearing accounts are compounded daily and credited monthly.  Other terms and conditions may apply.

This information is believed to be reliable, but the information is not guaranteed.  Contact the bank directly for the most up to date and accurate information on their bank rates and local savings programs.

Additional resources to help consumers find the best CD rates in the region are available at Maryland CD rates.

Alliance Bank Mortgage Rates in Central NY

New home loan borrowers in Central New York State can find some attractive mortgage rates with one of the biggest mortgage lenders operating in the central part of the state, Alliance Bank.  Alliance Bank is a community bank headquartered and operating in Central New York.  The bank provides mortgage loans for purchases and refinances along with retail and commercial banking, and trust and investment services through 29 offices in Cortland, Madison, Oneida, Onondaga and Oswego counties in NY.

Alliance Bank competitive mortgage rates can be found on a wide assortment of fixed rate mortgage terms and adjustable rate mortgage terms.  Along with the competitive rates and terms on the home loans, Alliance Bank offers borrowers in the region served with local loan approvals, loan decisions and servicing.  To accommodate borrowers that want to pay off their loans earlier and cut their interest costs, the bank offers short term fixed rate loans and bi-weekly fixed rate mortgages. 

The shorter term mortgage loans have become increasingly popular for existing borrowers refinancing their mortgages in New York and across the country.  By paying a home loan off more quickly with a 15-year term loan instead of the standard 30 year mortgage, new borrowers can save tens of thousands of dollars in total interest costs over the life of the loan.

Current New York mortgage rates and terms promoted by Alliance Bank include the following:

The short term, 15 year fixed mortgage rate is 2.875 percent with 0.0 points and an APR of 3.039 percent. 
A midterm, 20 year fixed rate loan has an interest rate of 3.500 percent and no points with a 3.592 percent APR.
The 30 year fixed mortgage rate is 3.500 percent and zero points with an APR of 3.592 percent.

The NY mortgage rates lists are current as of January 31, 2013 and due to market fluctuations, the interest rates are subject to change at any time and without notice.  Mortgage interest rates are also subject to credit and property approval based on bank guidelines.  The mortgage rates, points and APRs may be adjusted based on a number of loan conditions including, but not limited to, the loan amount, loan type, occupancy type, property type, loan to value and the borrower’s credit score. 

The mortgage interest rates are based on the financial institution’s online published rates and may have changed since this publication date.  This information is believed to be reliable, but the information is not guaranteed.  Contact the bank directly for the most up to date and accurate information bank rates and mortgage lending programs in New York.

Alliance Bank is based in Syracuse.  The bank is an equal housing lender and member FDIC.  The main branch customer service number can be reached at 1-800-310-6275 or (315) 475-2100 to obtain more information on the bank mortgage rates and loan programs

Additional resources to help consumers find the best mortgage rates in the region are available at New York mortgage rates.

Cambridge Mortgage Rates at Cambridge Savings Bank

There is no better starting to point to review mortgage rates in Cambridge than with the largest bank in the region and the one of the mortgage lenders in the region.  Cambridge Savings Bank is the largest bank mortgage lender based in Cambridge with assets of over 2.25 billion dollars.  The bank size and competitive position allows it to offer a large range of loan products for consumers including affordable mortgage loan products with sensible mortgage rates.

Cambridge Savings Bank home loan products and easily accessible by accessing the customer service center by phone available seven days a week, reviewing the loan products and mortgage rates online at the bank web site or by visiting one of the 16 banking centers located throughout Cambridge and the Metropolitan Boston area.

Cambridge Savings Bank has a mortgage loan department that has loan programs designed for a variety of real estate financing needs from single family home purchases to multifamily properties as well as a variety of appealing refinancing options.  Mortgage products available through the bank in Cambridge and the surrounding area include fixed-rate mortgages, jumbo mortgages, adjustable-rate mortgages, first-time homebuyer mortgage loans, affordable community mortgage programs, MassHousing mortgage programs and other mortgages and refinance options.

The bank web site, cambridgesavings.com, has more details on the specific loan options as well as today’s mortgage rates at Cambridge Savings Bank, online mortgage calculators, lending FAQs and additional lending resources designed for prospective home loan borrowers.

Based on information on the bank web site, Cambridge Savings Bank mortgage rates and terms available for January 18, 2013 include the following samples:

A 30 year fixed rate mortgage has an interest rate of 3.500 percent, 0.0 points and an a 3.605 percent APR.

The 15 year term mortgage loan rate is 2.750 percent, no points and an APR of 2.936 percent.

A 30 year jumbo mortgage rate is available at 3.875 percent with no pints and a 3.896 percent APR.

The bank offers a number of adjustable rate mortgages including a 3/1 ARM that has starting interest rate of 2.500 percent, no points and an APR of 2.934 percent.

The listed mortgage loan rates and costs reflect a discount of .125% based on the borrower establishing automatic payment from a CSB Checking Account.  Additional mortgage products, home loan rates and terms are available through the bank.   The mortgage rates and Annual Percentage Rates are subject to change and may vary depending on loan details, such as points, loan amount, loan-to-value, the borrower’s credit, property type, and occupancy.  All loans are subject to bank approval.

This bank and mortgage information is believed to be reliable, but the information is not guaranteed.  The mortgage interest rates are based on the institution’s online published rates.  Contact the bank directly for the most up to date and accurate information on bank rates and lending programs.

A Cambridge Savings Bank mortgage representative can be reached by calling the bank’s customer service center at (888) 418-5626.

The lending area for Cambridge Savings Bank covers the communities predominantly in the Eastern Massachusetts region within the Route 495 area.

Additional resources to help consumers find the best mortgage rates in the region are available at Massachusetts mortgage rates.

CD Rates in Delaware with Community Bank Delaware

There are a number of ways to obtain the benefits from certificate of deposit interest rates in Delaware, and one of which is to find the best possible CD rates available before locking in your funds with a local bank.  Community Bank Delaware is a local bank that offers some of the highest CD rates on the market through two branch locations in Lewes and Rehoboth Beach, DE.

The high yield CDs in Delaware can be used to fit a variety of savings needs from short term savings schedules to long term retirement needs.  The assortment of terms and rates can help prospective account holders plan for the future and make it easier to lay out solid financial strategies.  The bank CDs can be great tool for local savers that have a time-specific savings need or just want to diversify the overall risk of their portfolio.

As with most CD terms, the bank CDs typically return a higher CD interest rate with longer terms.  Bank customers can decide the amount of money to put in any of the CDs and the length or term they want to hold.  The Community Bank Delaware CDs have a low minimum opening balance requirement of $500.00.  The available terms range from 90 days up to 5 years.

Current CD rates and terms offered by Community Bank Delaware include the following:

The 90 day CD rate is 0.35 percent.
A six month CD rate is at 0.50 percent.
A one year bank CD has a rate of 0.60 percent.
The bank has an odd term, 15 month CD with 0.65 percent yield.
The 18 month CD interest rate is 0.75 percent.
Two year CDs at the bank yield 0.85 percent.
30 month certificates have an interest rate of 0.90 percent.
The three year CD rate in Delaware is 1.01 percent.
A four month bank CD has a rate of 1.36 percent.
The longest term CD, five year CD, has an interest rate of 1.51 percent.

The CD rates are current as of January 16, 2013 and are subject to change at any time, however, the rate in effect when the certificate is opened is guaranteed to maturity.  A penalty will be imposed for early withdrawal.  To obtain the latest Delaware CD rates and terms available through the bank, contact a Community Bank Delaware customer service representative at (302) 226-3333.

The CD interest rates in Delaware are based on the bank’s online published rates and may have changed since this publication date.  This information is believed to be reliable, but the information is not guaranteed. 

Community Bank Delaware is an FDIC insured bank located in Delaware.

State Farm Bank Mortgage Rates in Illinois Today

State Farm may be well known for their insurance business but the bank mortgage lending operations, under State Farm Bank, can be a great source for local mortgage rates, lending information and helpful tools like online mortgage calculators for Illinois mortgage shoppers.  State Farm Bank offers financial products and services, including first and second mortgages and home equity lines of credit, to existing State Farm customers and prospective customers in Illinois and nationwide.

State Farm Bank conducts the majority of its business including mortgage lending online but also conducts transactions by phone, mail and through bank certified agents.  State Farm offers both jumbo and conforming fixed rate and adjustable rate mortgages.  Mortgage loan shoppers can explore the loan options and current mortgage rates at the State Farm Bank web site located at statefarm.com.  Illinois mortgage loan shoppers can find detailed information on the loan programs available as well as current Illinois mortgage rates and costs at the web site.

Illinois home loans and mortgage rates with State Farm Bank include 30 year fixed rate mortgages as well as 20 year fixed rate loans, 15 year and 10 year fixed rate terms.  State Farm Bank has adjustable rate mortgages (ARMs) in Illinois that include three year and five year fixed rate period ARMs which are tied to the LIBOR rate (London Interbank Offered Rate).  The bank also offers jumbo mortgage loans in Illinois including 10, 15 year and 30 year fixed rate jumbo mortgages as well as adjustable rate mortgage jumbo mortgages.

Based on the bank web site mortgage rate information, the current mortgage rates in Illinois from State Farm Bank on a $200,000.00 with a 20 percent down payment for a borrower with excellent credit includes the following rates and terms:

A 30 year mortgage rate is 3.625 percent with no points and an APR of 3.737 percent.

The 30 year loan in Illinois with one point has an interest rate of 3.500 percent and an APR of 3.689 percent.

The 15 year mortgage rate in Illinois is 2.875 percent and no points with a 3.079 percent APR.

The 15 year home loan with one point has a mortgage rate of 2.75 percent and a 3.095 percent APR.

The Illinois mortgage rates listed are current as of December 28, 2012 and are subject to change at any time.  Additional mortgage rates and terms in Illinois are available.  The mortgage rates are provided only to give potential an idea of the interest rates and discount points available. 

To learn more about the current mortgage loan programs and mortgage rates available through State Farm Bank, interested borrowers can contact a local State Farm agent or call State Farm Bank directly at 1-888-556-3498.

The mortgage interest rates are based on the institution’s online published rates and may have changed since this offer was posted.  This information is believed to be reliable, but the information is not guaranteed.  Contact the bank directly for the most up to date and accurate information bank rates and lending programs.

Additional resources available to help consumers find the best mortgage rates can be found at Illinois mortgage rates for local bank rate information as well as at 30 year mortgage rates or FHA mortgage rates for more specific rates by loan type.

Arkansas CD Rates at Bank of Gravett

Consumers searching for the highest CD interest rates in Northwest Arkansas can begin their exploration with the certificates offered by Bank of Gravett.  Bank of Gravett offers a number of savings choices for consumers in Arkansas with four bank branches in the heart of Benton County.  The savings choices offered by the bank include traditional savings accounts and money market accounts as well as a range of bank CDs with varying CD rates and maturities.

Bank of Gravett CD accounts can be great deposit and investment options for those looking for a low-risk, yet high return opportunity.  With the volatility of the stock market and a number of other asset classes showing large variations, a CD account can be a practical and safe way to earning higher returns.

The bank CDs at Bank of Gravett includes traditional fixed rate and fixed term CDs that require a minimum $1,000.00 opening deposit, jumbo CDs that require a minimum $100,000.00 opening deposit, IRA CDs which require a $500.00 minimum deposit and mini CDs that are available with limited terms and deposits between $100.00 and $999.99.

Based on the bank’s online published rates, Bank of Gravett is offering the following CD rates in Arkansas with a minimum $1,000.00 deposit:

A 3 month CD rate is 0.10 percent.
The 6 month CD interest rate is at 0.20 percent.
A 12 month CD has an interest rate of 0.30 percent.
The 18 month bank CD rate is 0.45 percent.
A 24 month certificate has a rate at 0.55 percent.
The 30 month rate is 0.65 percent.
A 3 year CD has a yield of 0.75 percent.
The 4 year certificate has a 0.85 percent yield.
The five year CD rate in Arkansas is at 1.00 percent.

The jumbo CD rates have the same maturities with interest rates that are five basis points or .05 percent above the standard bank CDs.

The Annual Percentage Yield (APY) for the bank CDs assumes interest is compounded and credited monthly and remains on deposit until maturity.  The interest on CDs that are less than $7,500.00 will compound every 6 months.

The CD interest rates listed are accurate as of October 10, 2012.  Interest rates are determined at the sole discretion of Bank of Gravett and are subject to change. Rates are accurate as of the date shown.  The bank does not accept deposits originating outside of their trade area.  For current rate information, please contact any of the Bank of Gravett locations.

The Bank of Gravett main branch customer service number can be reached at 479.787.5251.

The Arkansas CD interest rates listed are based on the institution’s online published rates and may have changed since this publication date.  This information is believed to be reliable, but the information is not guaranteed.

Current GMAC Mortgage Rates in Indiana November 27, 2012

A good way to keep mortgage payments under control with a new home loan in Indiana is to shop and compare Indiana mortgage rates carefully with an eye on service and costs.  GMAC Mortgage is one of the top ten bank mortgage lenders in the nation that offers competitive mortgage rates and timely service for both home purchases and refinancing in Indiana. 

GMAC Mortgage is a division of Ally Financial, Inc and offers mortgage loans in all 50 states as well as the Hoosier State.  GMAC Mortgage offers a variety of residential mortgage loans in Indiana to meet a range of financing needs and property types.  All of the home loans in Indiana are offered with good rates, low closing costs, and no prepayment penalties.

As one of the nation’s largest home mortgage originators, GMAC offers new Indiana home loan borrowers a number of mortgage options including fixed rate mortgages, variable rate loans, FHA loans, VA mortgage loans, jumbo mortgages as well as other real estate financing options. To help simplify the lending process and loan choices, the web site for GMAC Mortgage provides a variety of tools and resources to help borrowers find the best mortgage loan with the appropriate mortgage rate and costs to match their budget. 

Tools and resources available at the GMAC web site includes information on the various loan programs, online mortgage calculators, a series of FAQs on the mortgage company and loan products, a mortgage rate tool to find the current GMAC Mortgage rates as well as an online mortgage application. 

In addition to the resources available online, GMAC provides easy access to their mortgage customer service representatives by phone and email, so consumers can quickly investigate the myriad of choices to suit their needs. 

A sample of the current mortgage rates and loan programs available through GMAC Mortgage in Indiana based on the online mortgage rate tool for November 27, 2012 includes the following:

A 30 year fixed rate mortgage has an interest rate of 3.625 percent with 0.50 points and an APR of 3.669 percent.

A 15 year mortgage loan has a mortgage rate of 3.000 percent and 0.375 points with a 3.060 APR.

The GMAC Mortgage rates in Indiana listed are based on a purchase loan of $200,000.00 on a single family home valued at $250,000.00 and assumes the applicant has excellent credit.  The mortgage rates and fees are subject to change without notice.  Additional mortgage rates and point options are offered by the lender in Indiana as well as several other mortgage products and terms.

Current GMAC Mortgage rates in Indiana and in other regions of the nation along with additional information on the home loans marketed by the lender can be obtained by speaking with one their loan specialists at 1-877-941-4622.

The mortgage interest rates are based on the institution’s online published rates and may have changed since this offer was posted.  This information is believed to be reliable, but the information is not guaranteed.

The Best Cowboy CD Rates in Wyoming with Cowboy State Bank

Wyoming cowboys looking to park their spare cash in a fixed rate, safe and secure bank CD need to look no further than one of their own local financial institutions, Cowboy State Bank.  Cowboy State Bank is a locally operated bank based in Ranchester, Wyoming, which sits smack dab in the middle of cattle heaven in close proximity to the Big Horn Mountains.

Cowboy State Bank operates with the same traditions of local cattle raising and farming, honesty and integrity.  Of course, the high yielding CDs offered at Cowboy State Bank are available to more than just the local animal herders on the range.  Cowboy State Bank promotes a number of bank lending products and savings products including the bank CDs to consumers and businesses in the region. 

And while horseback riding is still a common ranch activity in this neck of the woods, Cowboy State Bank offers many of its services via the latest banking technology including Internet banking and online banking.  Account holders can access their accounts and view transactions or make transfers to checking, savings, and loan accounts right online or by experiencing some of the traditional local service at one of the two branch locations.

The bank CDs at Cowboy State Bank have fixed interest rates with terms from three months up to five years.  The certificates can be opened of as little as $500.00.  The easy-to-understand account features and competitive CD rates are designed to help local consumers save for the future and reach their financial targets without complication.

Competitive Wyoming CD rates offered by Cowboy State Bank include the following rates and terms:

The short term, 90 day CD rate is 0.25 percent.
A 182 day CD has an interest rate of 0.35 percent.
The one year CD interest rate is at 0.60 percent.
The two bank CD rate is 0.90 percent.
A three year term CD yields 1.05 percent.
The four year certificate earns an interest rate 48 of 1.46 percent.
A five year CD has a rate of 1.66 percent.

The CD rates listed are current as of November 19, 2012 and are subject change at any time.  The CD interest rates are based on the institution’s online published rates and may have changed since this offer was posted.  Other terms and conditions may apply.  For current CD rate information and account terms, a Cowboy State Bank customer service representative can be reached by calling 307-655-2291.

To see a list of bank branches with the phone numbers and hours of operation refer to Cowboy State Bank locations.  To search for the best nationwide CD rates by term refer to the following bank rate tables: 3 month CD rates, 6 month CD rates, 9 month CD rates, 1 year CD rates, 2 year CD rates, 4 year CD rates or 5 year CD rates.

Long Term CD Rates in MA with S Bank

For Massachusetts consumers willing to keep their funds in a local bank for a term of four years or five years, S Bank based in Weymouth, Ma is currently offering the best CD rates in the state.  S-Bank has 4 local bank branches in the South Shore including branch offices in Weymouth, Quincy, East Bridgewater and Hanover at which to open these high yielding CD accounts.

The bank CDs with S-Bank rewards the account holder with higher interest rates than traditional bank savings accounts and other fixed rate, safe and secure alternative investment options.  S-Bank has a variety of CD terms available in the local market for the long term and short investor, CD maturities range from three months to five years. 

Current Massachusetts CD rates available at S-Bank include the following terms and CD interest rates:

The three month CD rate is 0.25 percent.
A six month CD at the bank has an interest rate of 0.40 percent.
The one year CD interest rate is 0.85 percent.
A two year bank CD has a rate of 1.00 percent.
The three year certificate yield is at 1.51 percent.
Both, the four year bank CD and five year CD rate are at 2.00 percent.

The CD Annual Percentage Yields (APY) assumes the original deposit and all accumulated interest remain on account for a one year period.  The CD rates listed are current as of October 30, 2012 and are subject to change at any time prior to opening the account.  The bank may impose a substantial penalty on funds withdrawn prior to maturity on the certificates.  Additional conditions and terms may apply.

The bank CD accounts at S-Bank renew automatically with a 30 day renewal notice sent before the CD matures giving account holders the option to collect the accrued earned interest, add principal to the account of desired, or reinvest the CD principal to another account or withdrawal.  The minimum required opening balance for the Massachusetts bank CDs at S-Bank is $1,000.00.  The accounts are available only in the bank market area and can be opened in one of the four branches or with an online banking application.

S-Bank CDs is chartered as a FDIC Savings Bank; the CD accounts are insured by the FDIC and the SIF up to the maximum allowable per account holder.  Interest bearing accounts, such as the bank CD accounts, are insured by the Federal Deposit Insurance Corporation (FDIC) any amount over that is insured by the Massachusetts based Shared Insurance Fund (SIF).  The Share Insurance Fund (SIF) of the Co-operative Central Bank insures all deposit balances in excess of the FDIC insured levels.

A list of all bank branches with the bank branch phone numbers and hours of operation can be reviewed at S Bank locations.

To compare the best CD rates available nationwide refer to the CD rate tables by term at Selectcdrates.com or to see the best CD rates available in this state, refer to Massachusetts CD rates.

CD Rate Promotion in Illinois at Cole Taylor Bank

Cole Taylor Bank, one of the top ten largest banks based in Illinois, is currently running several CD rate promotions.  The promotional bank CDs are available for a limited time and while Cole Taylor bank is a Federal Reserve member bank, the CDs are marketed and made available to Illinois residents only.  The bank CD terms during this promotion run from six months up to four years. 

All of the certificates are for fixed rate and fixed terms which guarantees the same interest rate until the investment matures.  The minimum balance required to open the promotional CDs is $1,000.  No deposits or withdrawals are allowed and early withdrawal penalties apply.  The marketing material produced by the bank states that these accounts are available only for funds not currently on deposit with Cole Taylor Bank.

The best CD rate offered is on the short term, 6 month CD.  The Cole Taylor Bank six month CD rate is at 0.85 percent in the promotion.  This CD rate falls just slightly behind the highest six month CD rate available nationally which is available at Doral Bank Direct with a rate of 0.91 percent.

The other CD rates and terms involved in the Cole Taylor Bank promotion include:

A one year CD rate that is advertised with a 0.45 percent yield.
An 18 month CD that has an interest rate of 0.65 percent.
A two year bank CD with a yield of 0.75 percent.
And a 48 month certificate that has an interest rate of 1.15 percent.

The bank CD rates listed are current as of October 17, 2012.  The CD Annual Percentage Yields (APYs) and terms are subject to change at any time without notice.

Interested consumers can contact the main customer service number of Cole Taylor Bank at 855-565-9113 or contact a local Cole Taylor Bank branch office for more details and additional bank rates in Illinois.

A list of bank branches with the phone numbers can be found at Cole Taylor Bank locations.

Additional CD interest rates in Illinois are listed at Illinois CD rates.  A list of the top ten best CD rates by term can be found at three month CD ratessix month CD ratesnine month CD rates, one year CD rates, two year CD rates, three year CD rates and five year CD rates.

 All information is based on sources deemed reliable, but no warranty or guarantee is made as to its accuracy or completeness.

Isabella Bank Mortgage Rates in Michigan

Isabella Bank is one of the top ten largest bank mortgage lenders based in Michigan.  Isabella Bank approves a significant number of home loans each month with a variety of different mortgage types.  One of the many benefits available with the bank lending product is the flexibility that comes with local decision-making of a community bank combined with the mortgage lending products and services of large regional and national mortgage lenders.

The mortgage terms available to Michigan mortgage borrowers through the bank include competitive interest rates and costs.  Isabella Bank offers loan options for home purchases in Michigan, refinances and new construction.  Loan programs include the most popular fixed rate terms, jumbo mortgages and balloon mortgages.

Mortgage borrowers that searching for a new refinance in Michigan will find options to consolidate debit, lower their monthly mortgage payment or shorten the term of a loan by refinancing the current mortgage.

For more information, the bank web site offers a mortgage rate tool to compare the most recent mortgage rates and costs in Michigan.  Consumers can also access a mortgage application and apply right online at the bank web site.

Using the information at the Isabella Bank web site, isabellabank.com, current mortgage rates offered by the bank for a $250,000 loan on a new purchase with a 20 percent down payment in Michigan includes the following rates and terms:

A 30 year fixed rate loan has an interest rate of 3.500 percent with no points and an APR of 3.570 percent.

The slightly shorter, 20 year term has a mortgage rate of 3.500 percent and zero points with a 3.598 percent APR.

The 15 year fixed rate loan is at 2.750 percent, no points and a 2.837 percent APR.

The 10 year mortgage rate is 2.750 percent with zero point and an APR of 2.878 percent.

The Michigan mortgage rates listed are current as of September 9, 2012 and are subject to change without notice.   All mortgage rates and home loans require bank approval and must meet current underwriting standards including the property type, value, borrower’s credit and other factors that can influence the loan approval and mortgage rates. 

More information on the mortgage loan products and Michigan mortgage rates available at Isabella Bank can be obtained by calling the bank at (800) 651-9111.  Isabella Bank operates 25 bank branch locations throughout mid Michigan.

West Shore Bank Michigan Mortgage Rates September 4, 2012

West Shore Bank has been providing mortgage loans to consumers in Michigan since the early 1900’s.  The bank has prospered in home real estate financing in The Great Lakes State due to the attention the bank gives to this segment of banking.  West Shore Bank emphasizes its home loan offerings with flexible terms, competitive mortgage rates in MI and low fees.

West Shore Bank not only offers an ample selection of loan options for home financing, but West Shore is a local Michigan bank that understands the local market.  The web site for the bank identifies West Shore Bank as the number one home lender in their market.
 
At the West Shore Bank website, westshorebank.com, consumers can find information on the variety of mortgage loan products available at the bank.  Potential home loan borrowers can also complete a new mortgage loan application online, find easy to use mortgage calculators and utilize the bank mortgage rate tool to access current mortgage rates in Michigan available at West Shore Bank.

Mortgage borrowers can compare current fixed rate mortgages, adjustable rate mortgages and jumbo mortgage rates in Michigan available at the bank. 
 
Mortgage products available at West Shore Bank include; standard fixed rate mortgages with several different term options, balloon mortgages, construction loans, second home financing, home improvement loans and home equity loans.

Based on information obtained at the bank website using the mortgage rate tool, the following current Michigan mortgage rates are available at West Shore Bank based on a loan of $225,000:

A 30 year fixed rate mortgage in MI has a rate of 3.500 percent with no points and an APR of 3.529 percent.

The 20 year term mortgage loan at West Shore has an interest rate of 3.375 percent with zero points and a 3.415 percent APR.

The Michigan 15 year mortgage rate is 2.875 percent and zero points for an APR of 2.926 percent.

The Michigan mortgage rates listed are current as of September 4, 2012 and are subject to change at any time.  All home loans rates are based certain assumptions including a minimum 20 percent down payment, a borrower with excellent credit, a purchase loan for a single family owner occupied property as well other factors that could impact the mortgage rates.  The actual interest rate and fees available to a borrower will be based on their credit history and other underwriting conditions and may be different than the rates displayed.

Additional mortgage loan information and current mortgage rates can be obtained by calling a West Shore Bank customer service representative at 231-845-3500 or 888-295-4373.  Information on the bank loan programs is also available buy visiting one of the West Shore Bank locations. West Shore Bank manages in eight full-service branches in Michigan.  A list of other home loan rates in Michigan can be found at Michigan mortgage rates.

New Hampshire Mortgage Rates at Profile Bank

Profile Bank, based in Rochester New Hampshire, offers a number of loan programs to consumers in the Granite State.  Included among the lending options at Profile Bank is an array of mortgage loans available for 1-4 family homes.  Profile Bank offers a rather extensive variety of mortgage loans for a community bank.  Traditional fixed rate and adjustable rate home loans that meet secondary market requirements for purchases and refinances are available as are mortgage loans that are held by the bank.

Portfolio loans at Profile Bank are subject to the approval and underwriting standards established by the bank, this contrasts to the secondary market mortgage loans that are processed, underwritten and approved based on the requirements established by FNMA and FHLMC.  Mortgage loans that meet the secondary market requirements often require stricter standards but are also available with very competitive interest rates and costs.

Along with the secondary market mortgage loans and portfolio mortgage loans, Profile Bank also offers construction loans and land loans.  The bank land loans can be obtained with as little as a 25 percent down payment with repayment terms of up to ten years.  The construction loans can also be used to acquire land for a new home with a disbursement schedule spread out up to nine months.  The construction loan allows the buyer to act as their own general contractor as well and can be converted into a long term fixed rate mortgage once the property is built out. 

Of course, in this ultra low mortgage arties environment, the stability of a fixed monthly mortgage payment that cones with the low fixed rate mortgage is one of the most popular real estate financing choices.  The bank provides the traditional fixed rate mortgage with either short or long terms to match various budgets and time horizons.

Current New Hampshire mortgage rates offered by Profile Bank include the following rates and term:

The 30 year fixed rate mortgage is available with an interest arte of 3.500 percent with no points and an APR of 3.520 percent. 

The shorter term, 15 year mortgage rate in NH has an interest rate of 2.875 percent with no points and an APR of 2.911 percent.

The portfolio mortgage loan at Profile Bank with term of up to 15 years has a mortgage rate of 4.250 percent and zero points and an APR of 4.283 percent.

The portfolio mortgage loan with a term that goes up to 25 years is available with a mortgage interest rate of 5.875 percent and no points for a 5.891 percent APR.

All New Hampshire mortgage rates, terms and conditions are subject to change at any time.  All mortgage rates listed are current as of August 24, 2012.  The mortgage loan rates and Annual Percentage Rates are based on a loan amount of $100,000 with a Loan to Value ratio of 80 percent or less.  All loans are subject to bank approval, additional conditions may apply.

Home loan applications can be completed by visiting a branch location, contacting one of the bank loan officers or by applying online.  For information regarding mortgage loans and mortgage rates in NH offered by Profile Bank, call a Profile Bank customer service representative at 1-877-890-0001 or drop by one of the local Profile Bank locations.

For more information on new mortgage loans and rates see one of the following mortgage rate tables 30 year mortgage rates, 15 year mortgage rates, FHA mortgage rates or jumbo mortgage rates.

 

Kansas CD Rates at Olpe State Bank

Certificates of deposit held by consumers in Kansas continue to be one of the most widely held bank investments.  Olpe State Bank is one Kansas based bank has maintained an assortment of savings products for consumers to choose from including FDIC insured CDs.  The banks offer a wide variety of CD terms and CD rates in KS to serve consumers that wish to hold these accounts for savings and investments. 

Olpe State Bank is a community bank based in Olpe, KS.  The bank has survived the Great Depression and has been serving customers in the Sunflower State since 1905.

The bank CDs in Kansas offered by Olpe State Bank are flexible, safe and insured investments that allow the accountholders to settle in to the current changing economic climate without risk to their capital investment.  The bank CDs can be purchased with as little as $500.00 with terms as short as three months or as long as five years.

The CDs at Olpe State Bank are available with a broad range of interest earning options.  The CD interest earned on these accounts can be credited back to the certificate, paid by check to the accountholder or credited to a savings or checking account.

Current Kansas CD rates and maturities available at Olpe State Bank include the following:

The 91 day CD rate is 0.15 percent.
The 182 day CD interest rate is 0.20 percent.
A1 year Kansas CD rate rises to 0.50 percent.
The 2 year bank CD rate is 0.75 percent.
A 30 month bank CD in KS has an interest rate of 0.85 percent.
The Olpe State Bank 3 year CD has a rate of 1.10 percent.
A 4 year CD interest rate is 1.30 percent.
The 5 year certificate has a yield of 1.60 percent.

The bank also offers IRA CDs in Kansas with competitive rates and terms 

The listed CD rates in KS offered by Olpe Bank are current as of July 27, 2012 but are subject to change at any time.  Additional conditions may apply to open a bank CD account.  Interest rates and terms may change on a daily basis.  For more information on the savings rates and CD rates available in Kansas from Olpe State Bank, call the bank representative directly at 620-475-3213.

WI Mortgage Rates at River Falls State Bank

River Falls State Bank is a Wisconsin based bank that offers a number of competitive mortgage loan programs in the Badger State along with a number of other financial services and products.   River Falls State Bank has been offering home loans before the ferocious badger was selected as the state animal.  The bank started in operations in 1949 while the badger was appointed the state animal back in 1957. 

River Falls State Bank offers aggressive mortgage rate pricing on several different residential loans.  Mortgage loans in Wisconsin available from River Falls State Bank includes fixed rate mortgages, adjustable rate mortgages, home improvement loans, home equity mortgages and lines of credit, construction loans and Wisconsin Housing and Economic Development Authority (WHEDA) home loans.

A sample of the current mortgage rates in Wisconsin offered by River Falls State Bank includes the following:

The 30 year fixed rate mortgage has an interest rate of 3.500 percent with no points and an APR of 3.550 percent.
The 30 year fixed rate mortgage with one point is at 3.375 percent and an APR of 3.506 percent.
 
The 15 year fixed rate mortgage has an interest rate of 2.750 percent with zero points and a 2.803 percent APR.
With one point discount fee, the 15 year mortgage drops to 2.500 percent and a 2.553 percent APR.

A 20 year term mortgage loan has a rate of 3.375 percent with no points and an APR of 3.445 percent.
The 20 year home loan rate is reduced to 3.250 percent with one point resulting in APR of 3.443 percent.

All mortgage rates were obtained directly from the bank website and are accurate as of July 26, 2012.  All of the mortgage interest rates and Annual Percentage Rates (APRs) for Wisconsin home loans listed are subject to change without notice and require bank approval.  

The current WI mortgage rates from River Falls State Bank are based on a purchase for a single-family, primary residence, with a borrower credit score of 740, and a 20 percent or greater down payment.  Individual mortgage interest rate quotes will depend on several underwriting factors such as the loan term and loan amount, the property type and condition, the borrower’s credit score, the loan-to-value ratio as well as other loan approval conditions.

For more information on the River Falls State Bank mortgage loan products or WI mortgage interest rates contact the bank representatives directly at (715) 425-6782 or (866) 737-2669.  River Falls State Bank is headquartered in River Falls, WI. 

Us the listed mortgage rates tables for 30 year mortgage rates, 20 year mortgage rates15 year mortgage rates and Wisconsin mortgage rates to compare other bank mortgage rates and help you find the best mortgage rates that suit your needs and budget.

Philadelphia CD Rates at United Bank of Philadelphia

United Bank of Philadelphia is a minority owned bank that offers banking services and products throughout Philadelphia and the surrounding area.  The bank offers a wide variety of investment tools and products to help consumers in the market area served by the bank achieve their financial goals.  Part of the plethora of savings products offered by the bank includes a wide range of fixed rate certificates of deposit.

United Bank of Philadelphia CDs are available with a low $500.00 deposit to open the account.  The bank CDs are fixed interest rate accounts, the interest rate and annual percentage yield will not changed for the term of the account.  The interest begins to accrue on the business day of the deposit.  Interest will be compounded daily and will be credited at the certificate maturity.

The CDs available in Philadelphia and the greater Philadelphia area marketed by United Bank of Philadelphia have maturities that range from one month to five years.  Jumbo CDs are available from United Bank of Philadelphia for investments of $100,000 or more.

Current CD rates in Philadelphia promoted by United Bank of Philadelphia include the following CD interest rates and terms:

The 30 day certificate of deposit has an interest rate of 0.10 percent.
The 60 day and 90 day certificates also have interest rates of 0.10 percent.
A 182 day CD in Philadelphia has an interest rate of 0.15 percent.
The one year bank CD rate is 0.25 percent.
A two year CD interest rate is at 0.40 percent.
The Philadelphia three year CD rate climbs to 0.50 percent.
A four year bank CD can be obtained with an interest rate set at 0.75 percent.
The five year certificate of deposit rate is 1.00 percent.

United Bank of Philadelphia also offers IRA CDs in Pennsylvania that cover a wide span of maturities.  Current IRA CD rates in Philadelphia promoted by United Bank of Philadelphia include the following rates and terms:

An IRA certificate of deposit with a six month term has a current interest rate of 0.15 percent.
The one year IRA CD rate in Philadelphia is 0.25 percent.
The 2 year IRA CD rate is 0.40 percent.
A 3 year bank IRA CD has a yield of 0.50 percent.
The 4 year term IRA CD rate is 0.75 percent.
The bank IRA CD interest rate for a five year term is 1.00 percent.

CD rates and IRA CD rates are accurate as of this publication date but are subject to change at anytime.  There may be a penalty imposed for early withdrawal on bank CD accounts.  Withdrawals made before the certificate maturity date may be subject to penalty.  Bank fees associated with some bank accounts may reduce the APY.

Contact the bank directly for more information on available interest rates and terms.  A United Bank of Philadelphia representative can be reached by calling (215) 351-4600.

State Bank of Chrisman CD Rates in Southeast Illinois

Despite the loud rumblings about the consequences of low interest rates, certificates of deposit are a great way to earn a higher rate of interest on your money.  For CD rate shoppers in Southeast Illinois, State Bank of Chrisman offers competitive rates for consumers to help squeeze out an effective rate of return in today’s low rate market.

State Bank of Chrisman bank CDs are available with a variety of terms that can be purchased with a relatively low investment requirement.  The CD rate of interest in Illinois offered by the bank will depend on the amount of money invested and the length of time the account holders elects to keep the money on deposit.

The bank CDs have fixed interest rates with advertised terms ranging from three months to four years.  The bank also offers high yield checking and savings accounts however, the interest rates on checking and savings are variable, and may change immediately after opening the account.

IRA CDs are also available at State Bank of Chrisman.  The bank offers a range of options that can meet a variety of retirement needs including traditional IRA’s, Roth IRA’s and SEP IRA’s.  The bank IRA certificate of deposit rates offered by the bank in Illinois are the same as the listed traditional CD rates.

Current CD rates in Illinois offered by State Bank of Chrisman include the following interest rates and terms:

3 month CD rates are at 0.35 percent. The 6 month CD interest rate is 0.50 percent.  A 12 month certificate has a rate of 0.70 percent. An 18 month bank CD rate is 0.85 percent. The 24 month CD rate is 0.90 percent. A 30 month certificate has an interest rate of 1.00 percent.  The three year CD interest rate is 1.10 percent.  A four year certificate of deposit in Illinois yields 1.25 percent.

The Illinois CD rates listed are effective as of July 20, 2012 but are subject to change at anytime.  There may be a substantial penalty for early withdrawal of a CD prior to maturity.  Special CD rates and terms may also be available.

To find more information on the bank CD accounts, interest rates or a complete disclosure of the accounts offered at the State Bank of Chrisman contact the bank directly at (217) 269-2339.

MA Mortgage Rates at East Cambridge Savings

East Cambridge Savings offers mortgage loans for purchase and refinances in Massachusetts with highly competitive rates and terms.  The bank offers a number of diverse loan programs for borrowers to meet a range of financial needs from first time home buyers to jumbo loan borrowers.  East Cambridge Savings Bank is centrally located with its headquarters in Cambridge and additional branches in Arlington, Belmont, Medford, Somerville, and Waltham, MA.

The standard East Cambridge Savings fixed rate mortgage loans have varying interest rates on payment periods of 15, 20 and 30 years.  The bank also offers an assortment of low cost adjustable mortgage loans for consumers that may find the fixed rate alternative a less desirable option.  The adjustable mortgage loan have low fixed payments and low interest rates for the first three years of the loan, five years, seven years and even ten years, depending on the ARM loan term selected.  

East Cambridge Savings also offers Federal Housing Administration mortgages or FHA Loans with both fixed interest rates and adjustable rate rates.  For more specialized real estate lending programs and financing needs East Cambridge offers construction loans, investment property loans and rehab loans.

The bank provides new customers the option of getting a pre-approval that helps new borrowers determine how much house they can afford and helps with purchase negotiations and a smoother loan closing. 

A sample current mortgage rates and terms offered by East Cambridge Savings Bank on July 9, 2012 include the following:

The 30 year fixed rate loan has a rate of 3.750 percent with 0 points and a 3.795 percent APR.
A 15 year mortgage rate in Massachusetts has a 3.000 percent rate with 0 points and an APR of 3.080 percent.
The first time home buyer loan is available as a 5/1 ARM, fixed for five years and adjusting each year thereafter based an index plus a margin,  at rate of 3.500 percent with 0 points and a 3.099 percent APR.

Additional loan terms and programs are available.  The mortgage rates listed are current as of July 9, 2012 and may change at any time.  All home loans require bank approval.  The listed Massachusetts mortgage rates are based on a single family purchase with a minimum down payment of 20 percent with a minimum 740 credit score.  The first time home buyer loan is a borrower who has not had home ownership during the past 18 months.

For more information on Massachusetts mortgage rates and loan programs offered by East Cambridge Savings Bank can call the bank customer service center at 1.866.354.3272.

CD Rates in Kentucky at KNB

Kentucky based bank, Kentucky Neighborhood Bank or KNB, offers a broad range of financial products and services in the Bluegrass State.  The bank offers checking and savings accounts home mortgages, traditional consumer and business accounts and bank CDs with CD rates that are exceed the national average rates by a good margin. 

Kentucky Neighborhood Bank offers certificates of deposit with minimum investments as low as $500.00.  The KNB Kentucky based bank CDs as well as the CD IRAs provide a secure way to invest funds while earning a guaranteed rate of return.  The competitive interest rates are fixed for the term which range from 6 months to four years.

The bank CDs offered in Kentucky do not permit transaction activity, CD account holders do have the option of withdrawing the earned and posted interest at anytime on the longer term certificates.  The bank CDs are FDIC insured to the maximum extent allowed by law per account holder.

Along with a variety of other financial services and savings programs for consumer, KNB offers both Roth and Traditional IRA’s for bank CD accounts. 

Current Kentucky CD rates and terms offered by KNB include:

6 month certificates of deposit have a rate of 0.55 percent.
The 12 month KY certificate of deposit is at 0.75 percent.
An 18 month certificate has an interest rate of 0.85 percent.
The two year CD rate is 1.10 percent.
36 month certificates of deposit have a yield of 1.50 percent.
The 48 CD rate in Kentucky is 1.75 percent.

The Kentucky CD interest rates and Annual Percentage Yields are current as of July 6, 2012 and are subject to change at any time prior to opening the account.  A penalty may be imposed for early withdrawal from the bank CD accounts.

The interest rates for certificates of deposit at Kentucky Neighborhood Bank are updated on an on-going basis as the market changes.  For the latest CD rates and terms available in Kentucky, contact a KNB bank representative at 1.877.562.7997.

Wells Mortgage Rates, Chase Mortgage Rates and Bank America Rates July 3, 2012

Mortgage rates from the big three bank mortgage lenders improved moderately over the past two days to bring current mortgage rates within striking distance of new all-time lows.  Mortgage interest rates displayed a significant rate reduction right out of the gate on Monday and have held those rate changes for the next two days bringing us to the eve of the July 4th holiday.

The big three mortgage lenders include Wells Fargo, Chase and Bank of America.  Based on an impromptu survey performed by Selectcdrates.com that covers the current mortgage rates from these three bank mortgage lenders on July 3rd, the following interest rate information was obtained:

The current Wells Fargo 30 year mortgage rate for a $250,000.00 home loan purchase in Illinois has an interest rate of 3.625 percent with one point and a 3.773 percent APR.

The interest rate offered by Wells Fargo Mortgage for a 30 year fixed rate refinance in Illinois is 3.875 percent and one point for an APR of 4.025 percent.

Chase Mortgage rate offer the 30 year term loan for a purchase in Illinois at 3.500 percent with 0.500 points and a 3.591 percent APR.

The Chase Mortgage rate on a 30 year refinance is 3.875 percent and 0.375 points with an APR of 3.953 percent.

For Bank of America, the mortgage rates for a purchase loan with a 30 year term is 3.500 percent and 1.250 points and a 3.683 percent APR.

The Bank of America mortgage rate for a 30 year refinance in Illinois is 4.000 percent and 0.875 points and a 4.127 percent APR.

The average interest rate offered by these three lenders now stands at 3.542 percent with 0.917 points and an APR at 3.682 percent.   In the prior weekly survey which was concluded on June 29, 2012 the average interest rate on the 30 year mortgage available from these three lenders was 3.708 percent with 0.708 points with a  resulting APR of 3.837 percent. 

The change from Friday June 29 to the close of business on Tuesday is interest rate reduction of almost 30 basis points or .30 percent.

These mortgage rates are just a sample of the mortgage loan programs available from the listed lenders.  Additional programs may be available.  All home loan rates are based on loan amounts of $250,000.00 for a single family home in Illinois with a minimum 20 percent down payment and assume the borrower meets the credit and income criteria established by the individual mortgage lenders.

The mortgage interest rates are for illustrative purposes only and may vary based on borrower’s credit score, the loan closing costs and other variables regarding an individual loan request.

GMAC Mortgage Rates in NJ

GMAC Mortgage is one of the largest non bank mortgage lenders offering home loans in New Jersey.  GMAC is an indirect, wholly owned subsidiary of Ally Financial, the parent company of Ally Bank.  GMAC Mortgage offers loans across the nation, providing home loan for borrowers in states other than just the Garden State. 

The loans available from GMAC include traditional fixed rate and adjustable rate mortgages, jumbo mortgages and FHA and VA loans.  The GMAC Mortgage fixed rate mortgages in NJ are offered in a variety of terms including the most popular terms; 10 years, 15 years, 20 years, 25 years and 30 years.

The adjustable rate mortgages in NJ are also available with payment schedules.  The payment schedules vary based on the length of time that the initial interest rate remains fixed before adjusting based on the underlying index and margin.  The ARM terms at GMAC include 3/1, 5/1, 7/1 adjustable rate terms.

Jumbo loans from GMAC Mortgage in NJ are available as either a fixed rate loan or an adjustable rate loan.  NJ FHA loans from GMAC Mortgage are also available as either a fixed rate term or adjustable rate term.  The FHA loans have grown measurably in popularity as the down payment requirements are lower than most home loan products and the underwriting criteria for these mortgage loans generally include more flexible income, credit, and down payment qualifications.

A sample of GMAC Mortgage rates in New Jersey includes the following terms:

A 30 year mortgage rate in NJ is available at 3.99 percent with 0.250 points and an APR of 4.014 percent.

The NJ 15 year mortgage rate is 3.375 percent and 0.250 points for a 3.416 percent APR.

A jumbo mortgage rate in NJ for a 30 year term would rise to 4.375 percent and 0.250 points resulting in an APR of 4.397 percent.

Additional mortgage rates in New Jersey with varying rates and terms are also available.  NJ mortgage rates are current as of this publication date and are subject to change at any time.  Other charges may apply.  All home loans require lender approval.

The mortgage rates in NJ listed are based on a single family, owner occupied purchase.  The borrower must have good to excellent credit with a minimum 20 percent down payment to obtain these loan rates.  Individual loan requests may have different rates based on the loan amount, the borrower’s credit, property type and location as well as other factors.

For additional home loan rates in New Jersey offered by GMAC as well information on other loan products and terms, a GMAC Mortgage representative can be reached by calling 1-877-941-4622.

Mississippi CD Rates at Bank of Holly Springs

The Bank of Holly Springs is a Mississippi bank that offers a number of competitive savings products in the Northern part of the state.  Among the savings products offered by the bank are a variety of certificates of deposit accounts with varying interest rates and terms.  The bank CDs are available predominantly in the geographic area served by the bank which includes Marshall, Benton, and Lafayette Counties in Mississippi.

The certificates of deposit offered in MS by the Bank of Holly Springs can offer short or long-term choices for a variety of investment opportunities.  The bank CDs provide competitive interest rates and a safe and secure investment.  At Bank of Holly Springs CD deposits are insured by the FDIC up to the maximum permitted per account holder. 

Each of the standard CDs from Bank of Holly Springs requires a minimum deposit of $1000.00.  The interest paid on the Bank of Holly Springs CDs begins to accrue on the business day of the deposit.  CD interest earned is compounded daily.

The short term fixed rate CDs at Bank of Holly Springs are the most popular fixed term savings products and the most competitively priced.   Current MS CD rates and terms offered by Bank of Holly Springs include the following:

The 91 day CD rate is 0.50 percent.
The 182 day CD interest rate is 0.70 percent.
A 12 month CD has a yield of 1.01 percent.
The 18 month term CD rate is 1.06 percent.
A 2 year bank CD rate is at 1.11 percent.
The 30 month CD interest rate is 1.16 percent.
A 3 year bank CD has a yield of 1.16 percent.
The 4 year rate for a CD in MS is 1.26 percent.

These Bank of Holly Springs CD rates were posted on June 24, 2012 the CD rates and terms are subject to change without notice.  All bank CDs offered in Mississippi by the Bank of Holly Springs require bank approval.  Deposits and withdrawals are not allowed after the account is opened.  Account holders that withdraw any principal before the CD account maturity will be assessed a 90 day interest penalty.

For more information in the bank CD rates in Mississippi offered by the Bank of Holly Springs, call the bank directly at (662) 252-2512.

Illinois Mortgage Rates at Liberty Bank for Savings

Liberty Bank for Savings provides a number of savings and lending products in Illinois with competitive interest rates including home mortgages.  Liberty Bank offers a wide assortment of adjustable rate mortgages and fixed rate mortgages for purchases and refinances throughout Illinois. 

With the fairly large selection of loan types for financing real estate purchase and loan refinances, Liberty Bank also offers a number of tools to help potential borrowers determine which loan product may be best for their particular situation.

The standard fixed rate mortgages at the bank have a stable monthly mortgage payment and can be obtained with short term maturities or the traditional, longer term 30 year maturity.  The adjustable rate mortgages, or ARMs, have a specified period in which the interest rate cannot change.  At the end of that preset period, the mortgage interest rate will be subject to an annual adjustment and may fluctuate up or down.

None of the 1-4 family mortgage loan programs offered at Liberty Bank for Savings online have penalties for prepayment.  Loan borrowers can pay off their mortgage any time with no additional charges.

Upon the time of the application, borrowers are given a Good Faith Estimate or GFE that shows the estimated amounts of loan fees and charges for completing a loan with the bank.  At the loan closing, the mortgage loan Settlement Statement or HUD-1 will show the details all of the fees actually charged.

Liberty Bank for Savings offers a rate watch program that allows consumers to watch current rate changes via email.  After submitting a loan application, borrower can check the status of their application online.  There is no upfront fee charged for starting a loan request online.

The mortgage loan programs come with a range of mortgage rates and point options.  Some mortgage shoppers may want to consider paying more points or less points to obtain the right rate.  To determine if paying more or less points is the right option, visitors to the bank web site can go to the mortgage calculator link to compare the various choices.

Current advertised mortgage rates and terms in Illinois promoted by Liberty Bank for Savings include the following for a purchase money mortgage with a 20 percent down payment:

The current 30 year fixed conforming mortgage rates is at 3.875 percent with 0.000 points and a 3.910 percent APR.
The 15 year mortgage rate is 3.250 percent and 0.000 points for an APR of 3.312 percent.
A 5 year adjustable rate mortgage is 2.625 percent with 0.000 points and a 2.905 percent APR. 
For larger loan amounts, the 30 year jumbo mortgage rate is 4.250 percent, 0.000 points and a 4.264 percent APR.

The interest rates, annual percentage rates (APRs) and points listed are subject to change without notice.  The mortgage rates in Illinois promoted by the bank assume the borrower has good credit.  All loans are subject to bank approval.  Mortgage rates and APRs may vary based on individual loan parameters including the loan amount, property type and value, borrower’s credit, as well as other underwriting conditions. 

To contact a loan officer at Liberty Bank for Savings call 1.888.868.7068.  To contact the Liberty Bank for Savings loan processing department call1.888.906.6210.

Bank of Texas Mortgage Rates

Bank of Texas has reduced their mortgage rates once again for purchase and refinance for the first week of June.  Texas mortgage rates dropped to record lows in June following the path of the national mortgage market.  Treasury rates started the move lower in June as economic data for the US turned lackluster.  Mortgage rates across the nation, including those offered by banks in Texas and the Bank of Texas followed suit by moving decidedly lower. 

Many existing Texas homeowners and new homebuyers have already started to take advantage of the current low mortgage rates to save money with lower monthly mortgage payments and interest charges.  While home loan applicants at many Texas banks have pondered the potential risk associated with changes in home prices, specifically the possibility of further price reductions, the drop in mortgage rates buffets these changes considerably by making the overall cost of homeownership lower. 

Texas residents that are looking to become first-time homebuyers, looking to upgrade their home or are comparing rates to refinance their existing home will find a bevy of loan options at Bank of Texas.  The bank also has mortgage representatives that offer straight advice and easy to understand explanations of each program can be found on the bank web site.  Prospective mortgage applicants can call or e-mail one of the bank mortgage professionals to answer questions or to ask for advice on a new home loan.

The bank offers a variety of loan options to choose from including traditional fixed rate mortgages and adjustable rate mortgages.  Bank of Texas also offers FHA home loans and VA loans in the Lone Star State.

Applications for new home loans in Texas can be accomplished by visiting a bank branch, calling one of the mortgage representatives or applying online.  The bank provides a convenient online mortgage application that takes less than 30 minutes to complete and deliver securely the mortgage division.  Before completing a new application, mortgage shoppers can peruse the online mortgage calculators to ascertain basic mortgage payment and cost information.  Just a step over from the mortgage calculators is the Texas mortgage rate tool that calculates the current mortgage rates and terms or a variety of mortgage loan programs.

In addition to the new mortgage loans, the Bank of Texas can help with a variety of other loan options including home equity loans.  Consumers that are interested in taking advantage of the record low Texas mortgage rates can call the bank directly at (866) 910-5217.

CD Rates Offered in NJ at Schuyler Savings

Schuyler Savings Bank is a New Jersey based savings bank that has been offering savings products to consumers for over 80 years.  The bank operates two branches, one in Kearny and one in Harrison, NJ.  Both offices are full services locations that offer a variety of lending products and savings products including competitively priced NJ CD rates.

Schuyler Savings offers a variety of different terms on their FDIC insured certificate of deposits.  The bank CD terms range from 3 months to as long as 5 years.  The interest earned on the CDs is compounded daily.  The bank CDs are available in a conservative, passbook format for local New Jersey customers.  The passbook format matches the conservative nature of the bank with its focus on the community it serves and hands on customer service.

Along with bank CDs, Schuyler Savings offers two different types of money market accounts, a regular savings account, a variety of IRA accounts that offer select tax benefits with compound savings opportunities and club accounts including Christmas Clubs and Vacation Clubs.

Current CD rates offered by Schuyler Savings Bank include the following terms and interest rates:

A 91 day CD rate is 0.25 percent.
The 6 month CD interest rate is 0.40 percent.
A 12 month CD has a rate of 0.50 percent. 
The 18 month fixed rate CD has an interest rate of 0.75 percent.
A 2 year CD rate in NJ is at 0.80 percent
The 3 year bank CD rate is 0.85 percent.
A 4 year CD has an interest rate of 1.25 percent.
The 5 year NJ CD rate from Schuyler is 1.30 percent.

The CD interest rates listed are current as of this publication date but may be changed at any time.  Additional bank CDs in New Jersey are available from Schuyler Savings Bank.  There is a minimum deposit of $1,000 required to open the bank CDs.  There may be a penalty imposed by the bank for early withdrawal of principal from the CD accounts. 

For more information on the savings programs, NJ CDs and CD rates available at Schuyler Savings Bank, call the main office at 201-991-0001 or the Harrison Schuyler branch at 973-412-1266.

Current Rhode Island Mortgage Rates at Bristol County Savings Bank

Bristol County Savings Bank offers home mortgage loans in Massachusetts and Rhode Island.  The bank is based is Taunton MA and has locations Southeastern Massachusetts and Northern Rhode Island area.  In addition to its branch locations Bristol County Savings Bank operates four dedicated loan centers.

Bristol County Savings Bank loan products include traditional fixed rate and adjustable rate mortgages, first time home buyers mortgages, affordable housing programs, MassHousing Finance Agency loan programs, Rhode Island loan programs, construction to permanent mortgages, lot loans and jumbo mortgages.  Quite a wide assortment of loan options for new home buyers and existing home owners seeking to refinance their current loan.

At Bristol County Savings Bank offers prospective buyers a free pre-approval at any time. The bank also holds free, educational Home Buyers’ Seminar for those thinking about purchasing a house.

Current mortgage rates in Massachusetts and Rhode Island offered by Bristol County Savings Bank include the following rates and terms:

The 30 year fixed rate mortgage is at 3.875 percent with no points and a 3.910 percent APR. 

A 15 year mortgage has an interest rate of 3.375 percent with no pints and an APR of 3.400 percent.
 
For Massachusetts properties, the interest rate on a MassHousing Mortgage is 4.000 percent and no points with an APR of 4.014 percent.
These home mortgages are offered in cooperation with MassHousing Finance Agency for purchases with low down payment and discounted private mortgage insurance (PMI).

The mortgage interest rate and fees listed are loans in Massachusetts and Rhode Island are available to borrowers with an excellent credit history.  The actual interest rate and fees available for individual loan requests may vary based on a number of factors including the loan amount, down payment, credit profile of the borrower and other factors. 

The Bristol County Savings Bank mortgage rates, annual percentage rates (APRs), and points shown are subject to change without notice.  All loans and terms require bank approval.

To find out more information on RI mortgage loans and Mass mortgage loans available through Bristol County Savings Bank, contact the residential lending department at 800-643-2272.

Home loan borrower can call a local mortgage representative with the bank, visit one o the Bristol County Savings Bank branches or go online to submit a new loan application in less than 20 minutes

BayCoast Bank CD Rates for MA and Rhode Island May 2012

BayCoast Bank offers a number of savings options to consumer on the East coast in Massachusetts and Rhode Island.  BayCoast Bank offers a wide range of financial services including high yielding certificates of deposit and money market accounts.  BayCoast Bank is headquartered in Fall River, MA and has branches that reach from southeastern Massachusetts to Rhode Island. 

As a Massachusetts based bank, all deposits are insured in full by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF) of Massachusetts.

BayCoast Bank offers a wide array of certificates of deposit featuring competitive interest rates for both RI and MA.  The bank CDs offer an excellent means to save for short term or long term plans.  BayCoast Bank offers a variety of terms on the CDs in MA and RI.  There is a minimum opening deposit of $500.00 for the fixed rate CDs.  Interest earned on the bank CD accounts is compounded monthly and paid monthly.

CD rates in Rhode Island and rates in Massachusetts for BayCoast Bank CDs include the following:

91 – 181 day bank CD rate is 0.25 percent
1 year CD interest rate is at 0.55 percent
A 2 year bank CD rate is 0.95 percent
The 3 year CD rate for MA and RI is 1.16 percent
4 – 5 year CD rate is 1.46 percent

At the present time, BayCoast Bank is promoting 2 special CD accounts.  The bank has an 18 month CD with an interest rate of 0.75 percent and a 7 month CD that earns a rate of 0.40 percent.

BayCoast Bank also offers a 24 month bump up CD that has an interest rate of 0.90 percent.

BayCoast Bank customers that also hold a Preferred NOW checking account can earn an additional 10 basis points on the bank CDs, one basis point is 1/100th of a percent,.

All interest rates and APYs are accurate as of May 8th, 2012 and are subject to change without notice.  The bank CD APY’s listed apply when the required minimum balance is met and the interest earned is kept on deposit for one year.  All bank CDs are subject to a penalty for early withdrawal.

For additional information on bank CD rates in Rhode Island and CD rates in Massachusetts, a BayCoast Bank customer service representative can be reached at 888-806-2872.

NY CD Rates at Walden Savings Bank

Walden Savings Bank of Montgomery, New York is offering a number of bank CDs with competitive interest rates in the Hudson Valley area.  Walden Savings Bank is a community bank that works on meeting the borrowing and deposit needs of consumers and businesses in Montgomery and the surrounding region in NY.  Along with certificates of deposits, Walden Savings Bank offers a number of saving options for consumers from simple statements savings accounts to money market accounts and IRAs.

The bank CDs available at Walden Savings Bank are available with maturities ranging from 3 months to 5 years.  The CDs for NY residents are all fixed interest rate products.  The bank has a $1,000.00 minimum opening deposit requirement to obtain the certificates.  There is an automatic renewal at maturity feature that is triggered uncles the bank is informed not to renew the CD account.  As with most bank CDs, there may be penalty for early withdrawals from a CD account.

Current CD rates in New York from Walden Savings Bank include the following terms for May 4, 2012.

The 91 day ( three month CD ) CD rate is 0.25 percent.
182 day CD interest rate goes to 0.40 percent.
The 7 month and 9 month term certificates have current rates at 0.45 percent.
The one year CD rate is 0.65 percent.
The 18 month bank CD rate rises to 0.85 percent.
A two year CD rate in NY is at 1.00 percent.
Three year CDs have an interest rate of 1.45 percent.
A four year CD has an interest rate of 1.65 percent.
The long term, five year NY CD rate from Walden is 1.75 percent.

All of the bank certificates of deposit are available as Individual Retirement Accounts as well.  All CD rates in NY from Walden Savings Bank are current as of May 4, 2012 but are subject to change at any time.  The earned CD interest is compounded and credited monthly for all accounts.  For additional information on bank CD rates and terms offered by Walden Savings Bank, a bank representative can be reached at (845) 457-7700.  Walden Savings Bank operates 11 bank branch locations in the region.

Wayne Bank Mortgage Rates in PA April 2012

Wayne Bank is based in Honesdale, Pennsylvania and offers a bevy of mortgage loan programs for consumers throughout Eastern Pennsylvania.  Wayne Bank has been offering lending services to consumers for over 100 years and has grown to become of the of the largest and most stable mortgage lenders along the north and eastern portion of Pennsylvania.  With years of mortgage experience, Wayne Bank provides homebuyers with flexible solutions to their financing needs.

Wayne Bank offers an array of fixed and adjustable rate mortgages that can be used for new home purchases or refinances on existing mortgage loans.  The bank has competitive fixed rates with terms of up to 30 years on purchases of primary homes and vacation homes.  The adjustable rate mortgages have a preliminary fixed period or fixed interest rate that keeps the monthly mortgage payment stable for up to the first five years.

Along with all the traditional financing choices, Wayne Bank also provides real estate financing for investment properties, land, and new construction.  The bank has jumbo loans for buyers in need of mortgages over $417,000.00, new first time home buyers program, as well as other loan programs.

Current mortgage rates offered by Wayne Bank in Pennsylvania include the following mortgage interest rates and terms:

The 30 year fixed rate loan has an interest rate of 4.125 percent with no points and an APR of 4.162 percent.  
By paying one point, the 30 year fixed rate mortgage would have an interest rate of 3.875 percent and an APR of 3.995 percent.
A 15 year fixed rate loan in PA from Wayne Bank has an interest rate of 3.375 percent with zero points and an APR at 3.439 percent.
By paying one point on the 15 year mortgage, the interest rate moves down to 3.125 percent with a 3.335 percent APR.

Wayne Bank offers additional mortgage loans options as well as other terms and rates on the mortgage loans listed.  The mortgage rates and Annual Percentage Rates are current as of April 19, 2012 and are subject to change at any time.  All home loans and mortgage rates require bank approval. 

The Pennsylvania mortgage rates listed are based on a single family purchase for an owner occupied property with 20% down payment for a qualified borrower that has the monthly mortgage payment automatically deducted from a Wayne Bank checking account.

For more information on the mortgage loan programs and Pennsylvania mortgage rate offered by Wayne Bank, the Wayne Bank loan center can be reached at 1-800-538-0234.  Wayne Bank has 16 bank branch locations in Pennsylvania from West Scranton to East Stroudsburg.

Missouri Mortgage Rates at St Johns Bank

St Johns Bank of St Louis, Missouri offers home mortgages to consumers in St Louis and the surrounding area.  Mortgage loans available at the bank can be used for owner occupied home purchases, refinances of existing loans and secondary residences and investment properties.

St. Johns Bank offer many types of mortgage loans with a wide range of interest rates and loan fees.  Loan programs include fixed rate mortgage loans, construction loans and lot loans.

Missouri mortgage rates and terms offered by St Johns Bank for April 23, 2012 include the following:

The 30 year fixed rate mortgage is at 3.875 percent with zero points and an APR at 3.942 percent.
A 20 year mortgage has an interest rate of 3.625 percent and no pints for an APR of 3.738 percent.
The 15 year loan at St Johns Bank has a rate of 3.250 percent, no points and a 3.386 percent APR. A 10 year loan in Missouri promoted by the bank can be obtained with a mortgage rate of 3.125 percent with zero points and a APR of 3.266 percent.

The loans listed cover loan amounts of $100,000 to $417,000.  The displayed Missouri Annual Percentage Rates (APRs) the total points and prepaid finance charges but do not include other closing costs.  All mortgage rates and terms are subject to change at any time.  All mortgage loans are subject to credit approval.  Loan rates and fees may vary based on the loan applicant’s credit history, the down payment amount for a purchase or loan to value and other loan characteristics.

For more information on current mortgage rates and loan programs available in Missouri from St. Johns Bank, bank customer service can be reached by calling one of the following numbers: (314) 428-1059 ext. 3025  (636) 939-3495 ext. 3025  (636) 978-3612 ext. 3025
St. Johns Bank customer service representatives are available from Monday through Thursday from 8:30 a.m. until 5:00 p.m., Fridays from 8:30 a.m. until 6:00 p.m., and Saturdays from 9:00 a.m. until Noon.

With Missouri mortgage rates reaching some of the lowest levels for the year, comparing mortgage rates from several lenders is an important step to ensure you receive the best mortgage rates and terms for your real estate financing needs.  St. Johns Bank is a St Louis based bank mortgage lenders that offers competitive mortgage rates and terms in the region.

Kansas Mortgage Rates at Douglas County Bank

When it comes to home financing options in Kansas, there are many different alternatives to choose from.  One bank offering competitive mortgage rates and home loans in Kansas is Douglas County Bank of Lawrence, KS.  Douglas County Bank’s service area is Douglas County, Kansas, and surrounding counties.  The bank provides a number of different loan choices for new borrowers that searching for home loan to purchase a home, refinance an existing mortgage loan in Kansas or build a home.

Douglas County Bank has seven branch locations serving Douglas County and the surrounding region where consumers can find out more information about the mortgage loans and the approval process.  Consumers can also access the bank website to find information on the loan products, get up to date mortgage rates and fill out an application to apply for a new home loan.  The bank not only has the easy to understand explanations of each program on the site but the bank loan officers can be reached by phone to discuss your specific needs or simply send an email.

The loan options to choose from at Douglas County Bank include fixed rate mortgages and adjustable rate mortgages. The bank offers pre-approvals, so you can shop for your home knowing that you can afford the mortgage.

The mortgage rate tool provided on the web site allows users to quickly ascertain current mortgage rates in Kansas offered by Douglas County Bank as well as the costs.  Using the rate tool today, April 9, 2012 the following mortgage rates and loan costs were revealed for a purchase in Douglas County, KS:

A 30 year fixed rate mortgage is 4.00 percent with no points and an APR of 4.030 percent.

The 15 year fixed rate mortgage is at 3.250 percent with no points and a 3.302 percent APR.

A 20 year fixed rate loan has an interest rate of 3.750 percent and no points for an APR of 3.791 percent.

The interest rates, annual percentage rates (APRs), and discount points shown for home loans in Kansas are subject to change without notice.  All home loans require bank approval and are subject to current underwriting guidelines.  Your mortgage loan APR may vary based on the underwriting conditions specific to your loan request and the final loan amount and finance charges.

To obtain more information on Kansas mortgage loans available with Douglas County Bank as well as current mortgage rates, a bank representative can be reached directly at (785) 865-1000.  The hours of operation for the mortgage department is Monday through Friday 8:00 – 5:00.

To see a current list of Douglas County Bank branches in Kansas see Douglas County Bank locations.  For more information on mortgage loans and mortgage rates in Kansas refer to Kansas mortgage rates.  For a detailed list of bank mortgage lenders refer to the mortgage lenders page.

PA Mortgage Rates at Hatboro Federal

Hatboro Federal Savings has been engaged in mortgage lending since 1941.  While the mortgage loan options were somewhat limited during that time, Hatboro Federal has grown to offer a variety of home loans with competitive mortgage rates and varying terms for residents of Eastern Pennsylvania.  The bank concentrates their home loan activity for purchases and refinances in Montgomery and Bucks county region of PA.

Based on the information displayed on the bank web site, not only does Hatboro Federal offer competitive mortgage rates but the mortgage loans originated by the bank remain with the bank.  This feature allows customers to communicate directly with Hatboro Federal regarding their mortgage loan during the loan process, at closing and while they are making their monthly payments during the life of the loan, a feature not seen with most U.S. banks.

Hatboro Federal Savings provides home mortgage loans, home equity loans, and home equity lines of credit.  The mortgage loans are offered with both a traditional fixed rate payment plans as well as balloon mortgage payment options.

Current mortgage rates in Pennsylvania offered by Hatboro Federal Savings include the following terms and rates:

A 30 year mortgage in PA has an interest rate of 4.750 percent with no points and a 4.816 APR.
A one point origination fee option brings the 30 year mortgage rate down to 4.500 percent with a 4.650 APR.

The 15 year mortgage rate in PA offered by Hatboro Federal is at 4.250 percent and no points with an APR of 4.357.
The one point option for the 15 year loan puts the mortgage interest rate at 4.000 percent with an APR of 4.254.

There are two balloon loan options available at the bank as well.

The 5/25 balloon mortgage has a payment amount based on 30 year payment amortization but comes due or balloons at the end of five years, the mortgage rate for the 5/25 balloon mortgage is 3.000 percent with zero points and a 3.140 APR.
 
The 7/23 balloon mortgage has a payment amount based on 30 year payment amortization but is due on the seventh year has an interest rate of 3.500 percent and no points for an APR of 3.614.

 The PA mortgage rates and APRs listed are current as of this publication date but are subject to change at any time.  All home loans require bank approval and must meet current underwriting standards.  The sample PA mortgage rates listed are based on a loan amount of $100,000.00 with 20% down for a single family home.

For more information on mortgage rates and mortgage loans in Pennsylvania offered by Hatboro Federal Savings, call the bank direct at 215-675-4424 or visit one of the Hatboro Federal Savings branches in Warrington, Warminster, Jamison, and Hatboro, PA.

To see a list of Hatboro Federal Savings branches, hours and phone numbers see Hatboro Federal Savings.  To find more mortgage rates in Pennsylvania, see the following rate table: Pennsylvania mortgage rates.  For a detailed list of bank mortgage lenders refer to the mortgage lenders page.

Mortgage Rates in Indiana, Illinois and Michigan at Salin Bank

Salin Bank is one of top 20 largest banks based Indiana and provides mortgage loans in Illinois, Indiana and Michigan as well as Florida and Arizona.  Salin Bank is a mortgage lender to review since they have a large regional footprint and provide a combination of competitive mortgage rates and fees with local service.

Local service is one of the benefits to using a bank mortgage lender such as Salin Bank.  Having a loan representative help find the right mortgage loan product with the right term and costs that can match a borrowers budget is one of the first tasks to obtaining the best mortgage loan.  While mortgage rates are what most consumers care about most, service should not be overlooked since it also ensures a smooth loan process and loan closing which is as essential as a low mortgage rate. 

The Salin Bank web site offers a number of services and product information for potential borrowers.  Consumers can obtain an instant mortgage interest rate quote and submit an online loan application that can be approved online.  The online mortgage services make getting a mortgage or home equity loan quick and efficient. 

Salin Bank representatives are available to help with the various types of mortgage that can be used for new home purchases as well as refinances.  The bank mortgage representatives can assist borrowers with everything from counseling to completing the loan documentation needed to obtain a new mortgage loan.

By employing the mortgage rate tool at the bank web site, the following mortgage rates in Indiana were available for a $250,000.00 loan amount for a single family home purchase with at least a 20 percent down payment:

The mortgage rate in Indiana for a 30 year fixed rate loan is 4.00% with zero points and an APR of 4.038%.

The Indiana mortgage rate on a 15 year term loan is 3.375% with no points and a 3.442% APR.

Salin Bank mortgage rates for Illinois based on the same loan amount and conditions included the following rates and terms:

The Illinois 30 year mortgage rate is at 4.00% with no points and an APR of 4.036%.

In Michigan, the mortgage rate for the 30 year fixed rate loan is also at 4.00% and no points for an APR of 4.039%.

The mortgage interest rate in Florida and the rate in Arizona offered by Salin Bank are also at 4.00% with no points as well.

Keep in mind that mortgage rates change daily.  These bank mortgage rates are current as of this publication date but are subject to change at any time.  All home loans are subject to Salin Bank approval and conditions. 

To speak top one of the Salin Bank mortgage professionals for additional information, mortgage rate quotes or to fill out a loan application call 1-800-320-7536.  Salin Bank mortgage representatives can also be reached by e-mail at customer.service@salin.com.

Salin Bank and Trust Company is large community bank based in Indiana.   The bank operates 23 banking centers in 10 Indiana counties.

To see a complete list of Salin Bank locations see Salin Bank branch locations.  To see additional mortgage rates by term and loan product please see 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.

Virginia Mortgage Rates at Franklin Federal Bank

Franklin Federal Bank is a local bank mortgage lender that serves central Virginia with a wide assortment of home loan products.  Franklin Federal Bank is based in Glen Allen, VA and operates eight bank branches in the Old Dominion State.  Franklin Fed is a local lender where all of the Virginia mortgage loans are originated, processed and closed within the state.

For consumers that want to purchase a new home, refinance an existing mortgage loan for a lower interest rate, make home improvements, pay for tuition, or just plan a vacation, the loan officers at Franklin Federal Bank can help with the loan transaction.  Whether it’s a fixed rate loan or adjustable rate mortgage, a loan for a second home or an investment property program, Franklin Federal Bank offers a wide variety of products. 

Franklin Federal Bank mortgage provides competitive mortgage rates in Virginia with local service.  The loans available from the bank cover a number of different real estate financing needs for customers that often have a variety of different backgrounds and budgets.  Consumers that are concerned about the myriad of loan choices can get help determining the loan amount they can afford and which mortgage product is right based on their background directly from the loan officers at the bank.

Current mortgage rates and terms in Virginia available at Franklin Federal Bank include the following:

30 year mortgage rate in VA is at 4.00 percent with 0.125 points with an APR of 4.043 percent.

20 year mortgage rate in VA is 3.875 percent with 0.205 points with an APR of 3.944 percent.

15 year VA mortgage rate is 3.500 percent and 0.150 points and a 3.580 percent.

10 year VA mortgage rate is at 3.375 percent and 0.153 points for an APR of 3.491 percent.

The VA mortgage interest rates, annual percentage rates (APRs), and points shown are current as of this publication date but are subject to change without notice.  All home loans require bank approval and must meet current underwriting conditions.  The loan rates in VA listed are for loan amounts of $250,000.00 with a minimum 20 percent down payment on a single family home purchase and assume the borrower has excellent credit.  Individual mortgage loan and loan APRs will vary based on the final loan amount, finance charges, down payment, property type, credit and other factors.

Franklin Federal Savings Bank also offers additional mortgage products and rate options in Virginia for refinances and purchases.  To obtain additional information on the bank’s mortgage loan products, contact a Franklin Federal representative at 804.967.7000.

For more information on Virginia banks please refer to the Bank Directory.  For information on mortgage loans and mortgage rates in Virginia please see Virginia mortgage rates.

Bank Mortgage Rates in CT with Newton Savings Bank

Newton Savings Bank is one of the top local bank mortgage lenders in Connecticut.  Newton Savings Bank also ranks as one of the top twenty largest banks in Connecticut based on total assets.  The bank offers a wide array of services including commercial and personal banking products and services along with a solid selection of local mortgage programs in the Constitution State.

New home loan borrowers can start the search for a new mortgage loan in Connecticut with a Newton Savings Bank which is a local bank mortgage lender that is familiar the property values and the region.  Of course, the mortgage rates and loan costs with Newton in Connecticut should be compared with at least two other bank mortgage lenders to ascertain the best mortgage loan available.

Comparing Connecticut mortgage rates with Newton Savings Bank is easy.  The bank provides a mortgage rate tool right on their website that provide interest rates and point options for a number of different loan programs based on the loan amount, property value and property location.

Once a potential borrower has decide that Newton Savings Bank has the loan  programs that meet their needs, the loan application can be executed at one the 14 bank branches in CT, online at the bank website or with one of the bank mortgage representatives in person or by phone.

To help new home buyers in Connecticut, Newton Savings Bank can issue an online pre-approval letter to help borrowers with the offers and to help understand how large of a loan they may quality for.

Newton Savings Bank also offers a rate watch program that allows potential loan applicants the ability to easily monitor changing mortgage rates by receiving email notifications on the bank rates as often as they want.

Newton Savings Bank mortgage loans in CT include traditional fixed rate and adjustable rate mortgages, FHA mortgages and jumbo mortgages. 

Current CT mortgage rates and terms offered by Newton Savings Bank for a single family property with a purchase price of $325,000 and  a loan amount of $250,000 includes the following:

A 30 year mortgage rate in CT is at 4.00 percent with no points and an APR of 4.028 percent.

A 15 year mortgage rate in CT is 3.125 percent with zero pints and a 3.173 percent APR.

The one year adjustable rate mortgage for CT residents is 2.750 percent and no points and an APR of 2.891 percent.

A 30 year jumbo mortgage in CT for a loan amount of $650,000.00 would have an interest rate of 4.375 percent with no points and an APR at 4.386 percent.

The CT mortgage rates, annual percentage rates (APRs), and discount points shown are subject to change without notice.  Mortgage rates are current as of this publication date but are subject to change at any time.  Actual interest rates and APRs may vary based on credit history, loan amount, down payment amount and other factors.  All loans require bank approval.

Always compare the mortgage rates to other bank’s rates, so you can find the best mortgagee rate in CT to match your budget.  To see other Connecticut mortgage rates from leading lenders please see Connecticut mortgage rates.  Additional mortgage rates and mortgage loan information can be found at the following rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.

Mortgage Loans and Rates Available at Watertown Savings Bank in Massachusetts

Watertown Savings Bank is a Massachusetts based bank offering a number consumer loan products including mortgage loans.  The bank has been operating in the Bay State since 1870 and provides home loans for purchases and refinances predominantly along the eastern region of the state.  Watertown Savings Bank has nine bank branch offices with the bank’s corporate headquarters and lending department located in Watertown Square.

Watertown Savings Bank has a wide selection of loan terms and home loan programs to choose from traditional 30 year fixed rate loans and adjustable rate loans as well as jumbo mortgages and super jumbo mortgages.

Massachusetts residents searching for new loan can use the local Watertown Savings Bank loan office or access mortgage information online at the bank’s website.  The online mortgage information includes a mortgage rate calculator that allows the user to investigate a number of loan options with the current mortgage rate and loan costs.  Consumers can also use the bank’s rate watch service which provides mortgage rate information directly to a designated email account to keep an eye on a selected mortgage rate level or to simply obtain mortgage rates on a regular basis.

There is no cost for completing a mortgage loan application with Watertown Savings Bank. Once a home loan is approved, there is an application fee that covers the appraisal cost and credit report.  Prospective home loan borrowers can also apply for a loan before making an offer on a new home, the bank issues pre-approval letters based on the preliminary loan application even before a contract is signed.

Utilizing the mortgage rate calculator provides a peek at some of the current Massachusetts mortgage rates available from Watertown Savings Bank.  Current mortgage rates and terms available at the bank for a $250,000.00 loan amount in Middlesex County include the following:

A 30 year fixed mortgage rate in Massachusetts is 5.125% with no points and an APR of 5.137%

A 15 year mortgage in MA is available with an interest rate of 3.750% with zero points and a 3.770% APR.

A one year adjustable rate mortgage has an interest rate of 3.000% with no points and an APR at 2.895%.

These mortgage rates and terms are based on a loan request to purchase to a single family home with a minimum 20% down payment.  All mortgage rates are current as of this publication date but the interest rates, annual percentage rates (APRs) and points shown are subject to change at any time. 

Additional mortgage rates and terms are available for MA properties including mortgages for refinances.  All home loans are subject to bank approval and underwriting conditions.  The loan amount, down payment, credit profile of the borrower and other factors may affect the mortgage rate and APR.

Additional mortgage rates and loan information can be obtained by contacting a Watertown Savings Bank customer service representative at the Watertown Savings Loan Center located at:
60 Main Street
Watertown, MA 02472
800‐207‐2525

To see a list of Watertown Savings Bank branch locations see the bank directory listing, Watertown Savings Bank.  For more information on Massachusetts based banks please refer to the Bank Directory.  For more information on bank CD rates in Massachusetts or mortgage rates and loans in Massachusetts refer to the following rate tables: Massachusetts CD rates and Massachusetts mortgage rates.

Ohio Mortgage Loans and Rates at LCNB Bank

Among the many choices for consumers to compare mortgage rates and terms for a new home loan in Ohio is LCNB National Bank.  LCNB Bank is a local, Ohio based mortgage lender that still provides in house processing, underwriting and loan approvals.  The bank offers a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages with a range of mortgage interest rates and closing costs.  Consumers can apply for a new mortgage in any one of the 25 bank branch locations in southwest Ohio as well as over the phone or online at the bank website.

With historically low mortgage rates in Ohio, consumers have been flocking to apply for new loans.  With home prices not exactly shooting to the moon, more loans originated in the state are for refinance transactions rather than purchases.  Even LCNB Bank is feeling the boom of refinances as the bank has seen their loan portfolio decrease primarily due to refinance activity as borrowers took advantage of historically low mortgage rates.

Whether it’s a refinance to save money or a loan for a new home, LCNB Bank has loan options and personnel that can explain the ins and outs on how each mortgage loan works.  The residential real estate mortgage loans include loans secured by first or second mortgage liens on one-to-four family residential property in Ohio.  The bank also offers home equity lines of credit and mortgage loans secured by owner-occupied agricultural property. 

First and second mortgage loans are generally amortized over five to thirty years with monthly principal and interest payments.  Adjustable rate loans are available with adjustment periods ranging between one to ten years which adjust according to an established index plus a margin, subject to certain floor and ceiling rates.

All mortgage loans are underwritten primarily based on the borrower’s ability to repay, prior credit history, and the value of the collateral.

A sample of the current mortgage rates and terms available from LCNB Bank in Ohio include the following:

A 30 year fixed rate mortgage loan in Ohio from LCNB Bank has an interest rate of 3.625 percent with no points and an APR of 3.630 percent.

A 15 year term loan in Ohio has a mortgage rate of 2.875 percent with zero points and a 2.884 percent APR.

The mortgage loan rate listed are for single family, owner occupied properties with a minimum 740 credit score and a maximum loan to value of 75%.  Mortgage rates are current as of this publication date but are subject to change at any time.  All home loans are subject to bank approval and underwriting standards.  LCNB will require private mortgage insurance for first mortgage loans that have a loan to appraised value ratio of greater than 80%.  Additional loan terms and interest rates are available. 

LCNB National Bank is a full service, FDIC insured bank.  Along with traditional mortgage loans for purchases and refinances in Ohio, LCNB Bank programs include home improvement loans, home equity loan options, personal, and business loans.

To find more information on the bank mortgage loan products and terms, a LCNB Bank customer service representative can be reached by calling 800-344-2265.

To see a list of all LCNB Bank branch locations please see LCNB Bank locations.  For more information on mortgage loans and mortgage rates in Ohio refer to Ohio mortgage rates.

CoreFirst Bank Mortgage Rates in KS and CO

Mortgage shoppers searching for competitive rates and terms in the heartland can find a number of loan options with Corefirst Bank and Trust.  Prospective home loan borrowers looking for a mortgage in Kansas, Colorado or Missouri will find loan choices covering a number of loan types for purchases and refinances.  Corefirst Bank and Trust has branch operations and licensed loan officers in Kansas and Colorado and funds mortgage loans in those states as well as Missouri.

Borrowers can search the current mortgage rates online with Corefirst Bank website or call one of the bank loan officers at 1-800-280-0123 to obtain more detailed loan information.  Before applying for a new loan, consumer can compare current conventional mortgage rates, jumbo mortgage rates and adjustable mortgage rates with the loan costs quickly.  In addition to loan information and mortgage rates information online, consumers can apply for a new home loan online for both purchase loan requests and refinancing requests.

Between the network of bank branches, online mortgage information and licensed loan originators on staff, obtaining information on new loans that match your particular circumstances is easy.  

CoreFirst has competitive rates for a variety of loan programs.  A sample of current mortgage rates in Kansas available through CoreFirst Bank via the bank website includes the following:

30 year fixed rate mortgage in KS is 4.00 percent with zero points and an APR of 4.036 percent.

The 15 year KS mortgage rate is 3.50 percent and zero points and a 3.564 percent.

Switching the mortgage rate to Colorado, the interest rates do not change, only the loan APRs.

A 30 year fixed rate loan in Colorado has a mortgage rate of 4.00 percent with no zero points and an APR of 4.022 percent.

The 15 year mortgage rate in Colorado from CoreFirst Bank is 3.50 percent with no points and an APR of 3.538 percent.

The loan APRs in either geographic situation will vary based on the loan applicants final loan amount and other finance charges.  Rates are subject to change without notice and may vary based on location, the credit profile of the borrower, loan amount, property value and other factors.  Mortgage interest rates are accurate and available as of the date of this publication.

CoreFirst Bank is based in Topeka, Kansas and operates over 40 bank branch locations in Kansas and Colorado.  Along with the home loan programs offered by the bank, CoreFirst offers construction loans to home owners and contractors, home equity lines, personal loans and student loans as part of their lending activities.

For more information on Kansas based banks please refer to the Bank Directory.  For information on mortgage loans and mortgage rates in Kansas, Colorado or Missouri refer to Kansas mortgage rates, Colorado mortgages rates or Missouri mortgage rates.

Oklahoma Mortgage Rates from American Heritage Bank

Finding the best mortgage loan in Oklahoma entails comparing the mortgage rates and terms offered from some of the top bank mortgage lenders in the state.  One of those mortgage lenders that should make the list for mortgage rate shoppers is American Heritage Bank.  American Heritage Bank is based in Sapulpa and is one of the 15 largest banks based in OK. 

American Heritage Bank offers several types of mortgage loans in Oklahoma for a variety of different purposes.  The bank makes loans for standard single family home purchases and refinances as well as land and new lots for home building.   The bank also offers mortgages for bridge loans, constructions loans and home equity loans for existing home owners.

The conventional mortgages offered by American Heritage Bank have either fixed rates or adjustable rates that can be obtained with 30 year terms or shorter.  Two of the most popular loan choices in the current market, a fixed rate mortgage which offers the security of a principal and interest payments that remains the same for the life of the loan and FHA mortgages that offer flexible underwriting requirements are products available through at the mortgage center of American Heritage Bank.

Unlike many small mortgage lenders, American Heritage Bank has well over $500 million in total assets.  The bank is no fly by night operator either; American Heritage Bank has been serving consumers in Oklahoma for over 100 years.

The bank website offers a number of resources for mortgage shoppers in Oklahoma.  Included among the resources are loan program summaries, mortgage calculators and a mortgage rate search tool.  Utilizing this tool to compare mortgage rates offered by American Heritage Bank, the following mortgage rates and terms were produced for a single family purchase in Tulsa for $250,000.00:

A 30 year fixed rate loan in OK will have an interest rate of 3.75% with no points and an APR of 3.960%.

For a shorter term, 15 year fixed rate mortgage, the interest rate would be 3.500% with no points and an APR at 3.875%.

The mortgage interest rates in Oklahoma, annual percentage rates (APRs), discount points listed are current as of this publication date but are subject to change without notice.  All loans are subject to bank approval and must meet the credit, income and general underwriting standards of the bank.

The bank has mortgage loans with other financing terms including different rate and point options as well as lower down payment amounts.  The maximum percentage of a home’s value that can be financed depends on the purpose of the home loan, how the property is used, and the loan type.

An American Heritage Bank mortgage representative can be reached at 918-224-3210 to discuss the mortgage options available as well as current mortgage terms and rates.

To see more mortgage loan options please see Oklahoma mortgage rates, 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates  or use the mortgage payment calculator to see how a particular mortgage loan fits into your household budget.

Alabama Mortgage Rates from Bank Independent

Mortgage rate shoppers in Alabama looking to buy a home, build a new home, remodel, or refinance to put the cash in their home to better use can find a wide array of financing options with Bank Independent based in Sheffield, AL.  Bank Independent is one of the largest mortgage lenders in Alabama and one of the ten largest banks based in the Yellowhammer State.

Bank Independent has mortgage loans with flexible terms that come with a variety mortgage rate and fee options.  The wide selection of home loan products makes finding the right mortgage loan in Alabama easier and affordable for first-time buyers or potential borrowers that are in need of a large scale jumbo mortgage loan.

Bank Independent also has refinancing programs that can be beneficial for those existing Alabama homeowners looking for a lower mortgage interest rate, needing to use existing equity to fund a major expense, or looking to change their mortgage loan term to build equity faster

A sample of Bank Independent mortgage terms and mortgage rates in Alabama for a single family purchase with a minimum 20 percent down payment include the following:

The 30 year fixed rate mortgage in Alabama is 3.750% with no points and an APR of 3.871%.  

A 15 year mortgage in Alabama has an interest rate of 3.125% with zero points and a 3.339% APR.

The midterm, 20 year mortgage rate is at 3.750% with no points and an APR at 3.919%

The Alabama mortgage interest rates, annual percentage rates (APRs), and discount points shown are subject to change by the bank without notice.  All AL mortgage rates posted are current as of the publication date but are not guaranteed.  All mortgage loans require bank approval including credit, income and assets of the borrower along with other underwriting conditions.

The actual interest rate and fees available on a specific loan request will be based on the borrower’s credit history, the down payment amount, loan amount, geographic location of the property and may be different than the mortgage rates displayed.

To discuss the mortgage rate and loan options made available by Bank Independent, a Bank Independent mortgage representative can be reached at 256-386-5100.

The Bank Independent customer service department can be reached at (256) 386-5000, toll free at (877) 865-5050.  The customer service department is available Monday through Saturday from
8:00 a.m. – 8:00 p.m. to assist with your banking needs. 

Bank Independent is a locally owned community bank that operates 28 branch locations in North Alabama.

To review a current list of the top bank mortgage lenders and mortgage rates by loan product please see the following mortgage rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.  A listing of bank mortgage rates is also available at Bank of America mortgage rates, Citibank mortgage rates, Chase mortgage rates and Wells mortgage rates.

Oregon Mortgage Rates with West Coast Bank

One of the top three largest banks based in Oregon is West Coast Bank which is headquartered in Lake Oswego, OR.  As one of the largest banks in the Beaver State, West Coast Bank is also one of the largest mortgage lenders.  West Coast Bank offers competitive mortgage rates and a number of flexible loan terms in Oregon, Washington and California.

West Coast Bank promotes a wide range of mortgage loan products in Oregon.  Home loan options covered by the bank range from conventional fixed rate mortgages and adjustable rate mortgages (ARMs) to balloon mortgages and jumbo mortgages.  The Oregon mortgage loan options are available for home purchase as well as refinancing existing home loans.

The refinance loan choices can be used by homeowners looking for a lower mortgage rate or lower monthly mortgage payment, using the existing equity to obtain cash back or simply changing the term of their existing home loan to build equity faster.

Shopping for the best mortgage loan in Oregon can start by researching the mortgage rates offered by West Coast Bank on their website.  The West Coast Bank website provides various explanations of the loan programs and allows users to obtain current rate information using the online mortgage rate calculator based on loan type, property value, loan amount and property location. 

Using the online mortgage rate tool, West Coast Bank offers the following mortgage rates in Oregon for a single family home with a minimum 20% down payment and a loan amount of $250,000.00:

30 year mortgage rate in Oregon is 4.00% with 0.125 points and an APR of 4.040%.
By increasing the points to 1.50% the mortgage rate drops down to 3.750% and the APR is 3.904%

The rate in Oregon for a 15 year mortgage is 3.25% and 0.250 points with a 3.338% APR.  An increase in the points paid to 1.25% reduces the 15 year mortgage rate to 3.233% and a 3.233% APR.

The Oregon mortgage interest rates, annual percentage rates (APRs), and points listed are current as of the date of this publication and are subject to change at any time.  All bank loans must meet the underwriting standards established by the bank including credit and property approval.  Additional restrictions and limitations apply.

West Coast Bank mortgage customer service representatives can be contacted at  800-981-7999, Monday-Friday 7:00am-4:00pm to discuss mortgage terms and rates as well as other bank products and services.

West Coast Bank operates 60 branches in Oregon and Washington.  West Coast Bank offers a broad range of banking, investment, fiduciary and trust services in the market area served.

To see additional mortgage rates and mortgage loan programs see the following mortgage rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.  Bank mortgage rates are also available at Bank of America mortgage rates, Citibank mortgage rates, Chase mortgage rates and Wells mortgage rates.

California Mortgage Rates and Mortgage Loans with Tri Counties Bank

Tri Counties Bank based in Chico, California considers making loans the cornerstone of their banking business.  The bank offers mortgage loans and mortgage rates in California that competes with both the big and small mortgage competitors.  The bank has had a strong history of responsible mortgage lending in California to back up its claim; Tri Counties Bank did not take government TARP funds and did not engage in subprime lending.

A sample of the flexible home loan options available through Tri Counties Bank includes fixed rate mortgages with terms ranging from 15 to 30 years, adjustable rate mortgages with several terms to choose from, jumbo loans that meets the demands of the higher priced homes of the Golden State as well as construction mortgages.

All California home loan applications are handled at Tri Counties Bank where the processing, underwriting and approval process takes place.  Tri Counties Bank gives borrowers the option of applying for a new mortgage loan in California over the phone, face to face with a bank loan officer or through the online mortgage application center. 

With bank mortgage website, customer can apply for a loan, check on the status of submitted loan application and even use the bank’s rate watch feature that will have email messages sent when mortgage interest rates reach a preferred rate.

Current Tri Counties Bank mortgage rates in California and loan terms include the following options for home loans in Los Angeles county on January 8, 2012:

30 year mortgage rate in CA is 4.00% with no points and an APR of 4.045%.
By increasing the points to 1.10% the mortgage rate drops 3.750% with a 3.885% APR.

The 15 year mortgage rate in CA is 3.25% and no points for a 3.328% APR.
An increase in the discount points charged to 1.30% reduces the mortgage interest rate to 3.00% and puts the APR at 3.267%.

The mortgage interest rates, annual percentage rates (APRs), and discount points posted are subject to change by the bank without notice.   The mortgage rates in California and loan fees shown are available to borrowers with an excellent credit history, a minimum 20% down payment on an owner occupied single family home purchase.  Interest rates and fees available on specific loan request may vary based on credit history, loan to value, geographic location, loan type and other underwriting conditions. 

To discuss the mortgage loan option in California available from Tri Counties Bank, a bank customer service representative can be reached at (800) 922-8742.  Tri Counties Bank customer service representatives are available Monday – Friday 7:00 am to 8:00 pm, Saturday 9:00 am to 7:00 pm and Sunday 11:00 am to 5:00 pm.

Tri Counties Bank is headquartered in Chico, California.  Along with mortgage loans in California, the bank offers a wide assortment of financial services and provides a diversified line of products and services to consumers and businesses, which include demand, savings and time deposits, consumer finance, online banking, mortgage lending, and commercial banking throughout its market area.  Tri Counties Bank operates over 40 traditional branch locations and 27 in-store branch locations in 23 California counties covering California from just south of the Oregon border to southern San Joaquin Valley.

To review a current list of the top bank mortgage lenders and mortgage rates across the nation see the following mortgage rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.  To see more mortgage rates in California see California mortgage rates.

Pennsylvania Mortgage Rates with ACNB Bank

ACNB Bank serves Pennsylvania with a variety of banking products and services including a wide range of mortgage loan products for new home purchases and refinances.  ACNB Bank serves primarily the south-central PA area with a network of 18 retail bank branches located throughout Adams County, PA, in addition to locations in Dillsburg and Hanover, York County, PA, and in Newville, Cumberland County, PA.  ACNB Bank also operates loan offices in Hanover, York County, Chambersburg and Franklin County, PA.

ACNB Bank provides affordable mortgage rates and efficient loan processing in the region served.  With credit standards remaining tight, local service has real benefits with a hands on application process and quick approval times.  ACNB Bank offers mortgage loans in Pennsylvania with as little as five percent down payment or 95% financing of the value of the property being purchased, as well as home loans for low to moderate income borrowers.

A brief sample of the mortgage loan types available in Pennsylvania with ACNB Bank include:
10 year, 15 year, 20 year and 30 year fixed rate mortgage loans, 5 year, 10 year, 15 year, 20 year, 25 year and 30 year term adjustable rate mortgages, FHA mortgage loans, VA Loans and construction mortgage loans.

The fixed rate mortgage loans and adjustable rate mortgage loans are available with or without origination points.  For consumers that want expedite the principal reduction of their new loan, ACNB Bank offers biweekly mortgage programs.

The wide variety of mortgage loan options from ACNB Bank can be used to refinance an existing Pennsylvania home loan to lower monthly payments, to pay off the loan sooner with a shorter term or to obtain cash out.

The following mortgage loans are a sample of the mortgage loans and mortgage rates in Pennsylvania offered by ACNB Bank:

30 year fixed rate mortgage with no points has an interest rate of 4.125% and an APR of 4.146%
A 30 year rate in PA with one point has a rate of 4.00% and a 4.105% APR.

The shorter term, 15 year mortgage rate in PA with no points has a rate of 3.500% and an APR of 3.537%.
A 15 year mortgage loan from ACNB Bank with one point has an interest rate at 3.375% and a 3.559% APR.

The PA mortgage rates listed are current as of December 29, 2011 however; all interest rates and loan terms are subject to change at any time.  Additional fixed rate and adjustable rate mortgage loan options are available from the bank.

To find out more information on ACNB Bank home loan products and mortgage rates, an ACNB Bank mortgage representative can be reached at 1.888.334.2262.

To see current mortgage rates and mortgage loans offered from the top bank mortgage lenders see: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.

To view current Pennsylvania mortgage loans and mortgage  rates for 30 year home loans see Pennsylvania mortgage rates.

Florida Mortgage Rates at Capital City Bank

Capital City Bank is one of the largest banks and consumer lenders based in Florida.  The bank offers a wide array of borrowing options for consumers looking to buy a new home, vacation home, rental home or refinance on an existing home loan for borrowers that want to take advantage of the record low borrowing rates available in the Sunshine State.

Borrowing costs have plummeted for home loan borrowers as 2011 draws to a close and Capital City Bank provides loans that can combine low rates and low fees for a number of loan programs.  The assortment of mortgage loan options available at Capital City Bank includes fixed rate mortgages and adjustable rate mortgages, construction to permanent loans, jumbo mortgages and VA and FHA loans. 

Consumers searching for new funds to borrow for a home purchase or refinance need to evaluate several aspects of the new loan as well as the mortgage lenders and the mortgage interest rates.  Some of the benefits with Capital City Bank extend beyond the myriad of financing options, as a locally owned bank mortgage lender, local underwriting and local service is available to all loan customers which greatly facilitate the loan application and loan approval process.

Local service means better understanding of home appraisals, costs of homeownership and optimal loan programs such as FHA loans.  For first time home buyers, an FHA loan has become one of the most popular types of financing due to the low down payment requirements and flexible qualifying guidelines.  Capital City Bank offers very competitive rates on FHA loans in addition to VA loans for borrowers who qualify for these programs.

A sample of mortgage loans and mortgage rates available from Capital City Bank includes the following rates and terms on a $250,000 loan request in Flagler County:

A 30 year fixed rate mortgage is available at 4.000% with no points and an APR of 4.033%. 

A 15 year mortgage from the bank can be obtained with a mortgage rate of 3.375% with no points and a 3.433% APR.

The 30 year FHA mortgage has an interest rate of 3.750%, zero points and a 4.268% APR.

A jumbo loan in Florida from Capital City Bank can be had at an interest rate of 5.000% and 0.250 points with an APR of 5.036%.

Additional mortgage terms and mortgage rate options are available to Florida home loan borrowers.  Note, the mortgage interest rates for Florida mortgages and the loan fees listed are available to borrowers with excellent credit history with a 20% down payment on a single family purchase.  Florida mortgage rates and terms offered by Capital City Bank are subject to change at any time.  The actual mortgage rate and fees available may vary based on the borrower’s credit, income, down payment amount, geographic location in addition to other loan factors.

Before choosing your next mortgage loan, research the current mortgage rates, the terms and service from various mortgage lenders and your needs before applying.  Spending a little extra time to learn the requirements to obtain a mortgage loan and comparing the best terms and rates that match your financial situation can lead to big savings and peace of mind. 

To discuss mortgage loan rate and terms available from Capital City Bank, a customer service representative can be reached at 1.800.245.7194, Monday-Friday 8:00am-5:00pm EST.

Mortgage loan applications can also be completed online at the bank website, ccbg.com.

Capital City Bank was established in 1895 and provides a full range of banking services, including traditional deposit and credit services, asset management, trust, mortgage banking, merchant services, bankcards, data processing and securities brokerage services.  Along with branch locations in Florida, Capital City Bank also operates branches in Georgia and Alabama.

To see current mortgage rates and mortgage loans offered from the top bank mortgage lenders see: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.

To view current Florida mortgage rates and terms for 30 year home loans see Florida mortgage rates.

Under Four Percent Mortgage Rates at Capital One

Capital One is one of the top 15 largest banks in the nation as well as one of the largest bank mortgage lenders.  Capital One offers a variety of mortgage loans for financing a new home purchase or refinancing an existing home loan for cash out or a reduced mortgage rate.  Current mortgage rates offered by Capital One for conforming loan amounts have recently fallen below 4.00 percent.

Current conventional mortgage rates offered by Capital One include the following rates and terms as of December 9, 2011:

30 year fixed rate mortgage is at 3.875% with zero points and an APR of 3.957%
A 15 year fixed rate mortgage is promoted with a rate of 3.250% with no points and a 3.304% APR. 

For mortgage refinance transactions that costs or interest rates rise slightly.  Capital One refinance mortgage rates today include the following terms and rates:

30 year fixed mortgage refinance rate is 4.125% with no pints and an APR of 4.198%. 
The 15 year fixed refinance mortgage rate is 3.250% with 0.125 points and a 3.412% APR. 

Capital One offers a variety of other mortgage types to help finance a home purchase including low down payment FHA loans and jumbo mortgage loans up to $2 million.  For prospective borrowers that are considering financing a new house, but conventional fixed rate mortgages are not the loan product of choice or needed, Capital One offers competitive rates on jumbo mortgages and FHA mortgages.

Current Capital One FHA mortgage rates are available with the following terms and costs:

A 30 year fixed rate FHA mortgage is 3.750% with no points and a 3.781% APR.

Capital One jumbo mortgage rates include:

30 year fixed rate jumbo loans at 4.250% with no points and APR of 4.323%.

All mortgage loan rates are subject to change at any time.  All loan requests require Capital One approval and must meet underwriting standards.  The 30 year fixed, 15 year fixed, and 30 year FHA loans rates and APRs are based on an excellent credit history for a loan amount of $250,000 and a 20% down payment.  The 30 year fixed rate jumbo rate and APR is based on an excellent credit history on a $750,000 loan amount with a 30% down payment.  Additional terms and restrictions will apply.

Capital One not only offers fixed rate mortgages similar to those listed but also markets adjustable rate mortgage options for purchases and refinancing.  Capital One mortgage consultants can prequalify new loan applicants as well as issued pre-approval letters for specific loan requests.  For more experienced home loan borrowers, Capital One has online mortgage tools at their website that allow users to personalize their loan request and  mortgage rate and apply online. 

Capital One is headquartered in McLean, Virginia and operates over 1000 bank branch locations New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia.  Capital One offers mortgage loans as well as a wide array of other financial products and services to consumers, small businesses and commercial clients.

To find more information on Capital One mortgage loans and Capital One mortgage rates, a Capital One customer service representative can be reached by calling 1-866-923-4954.

Capital One provides several types of mortgage products, serving consumers in Virginia, Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington D.C.

California Mortgage Rates with Cathay Bank

Searching for the best mortgage rates and loan terms in the current economic climate should start with a review of the big bank mortgage lenders in the region where you intend to secure new financing.  Whether you are looking to refinance an existing home loan, searching for a jumbo mortgage amount or need the benefits that come with nontraditional underwriting, Cathay Bank has very competitive interest rates, a variety of loan options and local servicing in California. 

Cathay Bank is one of the largest mortgage lenders in California and is the one of the 100 largest banks in the nation.  Cathay Bank currently manages over 45 bank branch locations with branch locations in California, New York, Massachusetts, Texas, Washington State, Illinois and New Jersey,

Cathay Bank fixed rate mortgages in California not only have competitive rates for the region but have quick loan turnaround which has become increasingly important in the uncertain mortgage market.  Cathay Bank offers a wide array of other fixed rate mortgage loans that have competitive rates, low down payment options, the ability to pay no points and loan terms that have no lender fees as an option.

Along with standard fixed rate mortgages and adjustable rate mortgages in California, Cathay Bank also offers fixed rate and adjustable rate jumbo mortgages and a home loan designed for the self employed and new immigrants.  The “Smart Mortgage” from Cathay Bank features a no income verification option, credit standards that use a non-traditional payment history, no rate lock-in fees and competitive interest rates.

Current mortgage rates offered by Cathay Bank for December 9, 2011 include the following mortgage interest rates, points and APRs:

30 year fixed rate loan is at 4.000% with 0.00 points and an APR of 4.013%.  
15 year fixed rate montage is 3.250% with 0.00 points and a 3.272% APR. 
A 30 year jumbo mortgage rate is offered at 4.125% with 0.00 points and an APR of 4.136%.
The 30 year “Smart Mortgage” is available with an interest rate of 5.060% and 0.50 points for an APR of 5.117%.

Additional mortgage rates and terms are available.  All mortgage rates offered by Cathay Bank are subject to change at any time and all loans require bank approval.  Mortgage rates listed are based on a single family purchase for a primary residence with a down payment of 20% with the exception of the “Smart Program” which requires a 30% down payment.

Cathay Bank is a California state chartered bank that provides a number of financial services including mortgages.  To reach a customer service representative at Cathay Bank regarding mortgage loans, mortgage rates and any other bank products call 1-800-922-8429.  Cathay Bank customer service representatives are available 6:00 a.m. – 6:00 p.m. Monday through Friday, Pacific Time.

PA Mortgage Rates at First National Bank of PA

First National Bank of Pennsylvania offers several different mortgage loan programs in Pennsylvania and Ohio.  First National Bank of Pennsylvania is the fourth largest bank based in Pennsylvania and operates over 230 community bank locations throughout Pennsylvania and in eastern Ohio.

First National Bank of Pennsylvania branches are located throughout Pennsylvania making in branch loan applications quite convenient.  The bank will accept loan applications in person at bank branches, over the phone with one of the bank loan officers or online.  The bank accepts mortgage loan applications from all PA counties.

First National Bank of Pennsylvania is headquartered in Hermitage, Pennsylvania and takes a community banking approach to dealing with customers throughout The Keystone State.  Along with mortgage loans for purchases, refinances, new home construction and equity lending, First National Bank of Pennsylvania offers a diversified range of financial services and banking products from traditional retail banking to wealth management, insurance, leasing and financing services.
 
First National Bank of Pennsylvania home loan options includes fixed rate mortgage loans, adjustable rate mortgage loans, jumbo mortgages and home loans programs that offer assistance with low down payments and low closing costs.

The fixed rate mortgage loans provide choices to borrowers for terms of 10 years, 15 years, 20 years, 25 years or 30 year amortizations.  The adjustable rate loan options are for 30 year terms where the interest rate and monthly payments are fixed for an initial 1, 3 or 5-year period.  First National Bank provides a number of jumbo mortgage options for loans that do not qualify for FNMA and FHLMC loan limits.

A sample of mortgage rates and mortgage loan options available from First National Bank include the following terms for a property based in Mercer county, PA for November 7, 2011:

A 30 year fixed rate loan has a rate of 4.125% with no points and an APR of 4.196%.
The 20 year fixed rate loan has a rate of 3.875% with no points and a 3.972% APR.
A 15 year term fixed mortgage rate is 3.500%, zero points and a 3.623% APR.
A shorter term, 10 year fixed loan rate is 3.500% and zero points for an APR of 3.679%. 
The 3/1, 30 year adjustable rate mortgage has a rate of 4.250% with no points and an APR at 3.542%. 
The 5/1, 30 year term adjustable rate mortgage has a rate of 4.125%, no points and a 3.628% APR.
A 30 year jumbo home loan has a rate of 5.625% and no pints for an APR of 5.646%.

The information on First National Bank of Pennsylvania mortgage loans and mortgage rates provided assumes a loan amount of $180,000 and an estimated property value of $240,000 for a borrower with excellent credit on a single family owner occupied property for the conventional loan pricing and a loan amount of $650,000.00 for the jumbo loan pricing.  All mortgage rates and loan terms from First National Bank of Pennsylvania are subject to change an all loans require bank approval.

Questions regarding the loan programs, costs and interest rates available from First National Bank of Pennsylvania can be directed to the bank mortgage center at 800-555-5455.

For more information on mortgage rates in Pennsylvania or across the nation, additional mortgage rate data can be found at the following mortgage rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates, jumbo mortgage rates, and Pennsylvania mortgage rates.  Bank mortgage rates are also available at Bank of America mortgage rates, Citibank mortgage rates, Chase mortgage rates and Wells mortgage rates.

Whitney Mortgage Rates November 3, 2011

Whitney Bank mortgage loans and mortgage rates are available to consumers in the five states served by the bank.  Whitney National Bank has bank branches in Louisiana, Mississippi, Alabama, Texas and Florida where it provides various financial services including mortgage lending services.

Whitney National Bank offers a full range of mortgages for home purchases as well as a full range of mortgage refinance loan programs.  For prospective home loan borrowers that live within the market area served by Whitney Bank, shopping and comparing the mortgage loans and mortgage rates offered by Whitney Bank, as one of several bank lender programs to research, is a good decision to help find the best mortgage rates in the area.

New mortgage loan applications with Whitney Bank can be submitted online, over the phone or at one of the bank branch locations.  With each of the different application submission options, prospective borrowers have different options to choose from regarding their loan type, term and costs.  Home loan programs at Whitney Bank include conventional fixed rate loans, FHA loans, VA loans and reverse mortgages.

The mortgage loans and mortgage rates available at Whitney are dependent on many factors including the loan amount, credit profile of the borrower and geographic location of the property to be purchased.  Consumers seeking a new purchase money home loan or refinance loan can contact the bank to obtain current mortgage rates or search the mortgage rates and refinance rates on the Whitney Bank website.

A review of sample of mortgage rates in New Orleans offered by Whitney includes the following rates and terms for a loan in the amount of $250,000.00:

30 year fixed rate mortgage from Whitney Bank is 4.00% with no points and an APR of 4.034%.

The Whitney Bank mortgage rate for a 15 year term loan is 3.375% and no points with a 3.434% APR.

A midterm, 20 year mortgage rate at Whitney is at 3.875% with zero points leading to an APR of 3.922%.

The mortgage rate for an FHA home loan is 3.75% and no points with a 4.269% APR.

Borrowers that qualify for a VA loan can obtain a 30 year VA mortgage with a rate of 3.75% and no points and APR of 3.885%

The mortgage interest rates, points and annual percentage rates (APRs) listed are current sample mortgage rates from Whitney and are subject to change without notice.  The mortgage interest rate and fees shown here are available to borrowers with an excellent credit history with 20% down payment.  Your individual mortgage rate may vary based on changing market conditions or the applicant’s individual loan profile and credit history. 

To contact Whitney Bank for more mortgage loan information or current Whitney Bank mortgage rates, a Whitney Bank representative can be reached at 1-800-813-7346.

For consumers looking for the best mortgage rates in Texas or Florida  or across the nation, additional mortgage rate data can be found at the following mortgage rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates, jumbo mortgage rates, Texas mortgage rates and Florida mortgage rates.  Bank mortgage rates are also available at Bank of America mortgage rates, Citibank mortgage rates, Chase mortgage rates and Wells mortgage rates.

CA Mortgage Rates at Cal Bank and Trust October 28, 2011

California Bank & Trust is one of the largest banks in California offering mortgage loans for consumers.  California Bank & Trust operates over 110 bank branches in The Golden State and is the 11th largest bank in CA based on total assets.  California Bank & Trust or CB&T, provides a full array of financial products and services for businesses and individuals, including a wide array of mortgage loan products.

Consumers searching for anew mortgage loan to buy a house or refinance can apply with California Bank & Trust through one of the bank branches, over the phone with a CB&T loan officer or by applying online at the bank website.  Home financing options with California Bank & Trust include traditional mortgage loans, jumbo loans, adjustable rate mortgages, home equity loans and lines of credit and construction loans.

California Bank and Trust offers programs without points and little or no closing costs to provide a variety of options for different budgets.  With California Bank & Trust new home buyers can get pre-approved prior before they go home shopping.  With a mortgage loan pre-approved a prospective buyer has additional leverage when negotiating a purchase price.

The California Bank & Trust Upon mortgage loan process is straightforward and can be accomplished quickly.  After applying for new home loan with bank, the mortgage loan processing department we will run your credit report and review the application information to run through the Automated Underwriting (AU) process.  As part of the bank promotional material, the bank asserts that with automated underwriting, the bank can often provide a credit approval within 24 hours.  The credit approval is based upon the information in the application and the borrower’s credit report.

Samples of today’s California mortgage loans from California Bank & Trust include the following California rates and terms for a $250,000.00 loan in San Francisco county:

30 year fixed rate mortgage is at 4.250% with 0.25 points and an APR of 4.315%.
A 15 year mortgage rate is at 3.625% and 0.25 points with a 3.734% APR.
A 5/1 adjustable rate mortgage can be obtained with a 3.375% rate, 0.75 points and an APR of 3.205%.
A Jumbo 30 year fixed rate mortgage for a loan amount of $600,000.00 and a purchase price of $975.000.00 would have a rate of 4.500% and no points and an APR of 4.528%.

A number of loan options with varying mortgage rates in California and terms are also available.  Individual California mortgage rate quotes are based on a number of factors including the borrower’s credit score, down payment, income and assets and loan program.  Interest rates fluctuate daily, so the rates available when you apply may be different.  Home loan borrowers have the option to request a loan lock for their loan anytime after the loan application is submitted.

For more information on California mortgage rates and loan programs available at California Bank & Trust, loan officers are available at 1-800-850-8690.

For consumers looking for the best mortgage rates in California or across the nation, can find additional mortgage rate data at California mortgage rates, 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.  Bank mortgage rates are also available at Bank of America mortgage rates, Citibank mortgage rates, Chase mortgage rates and Wells mortgage rates.

Susquehanna Bank Mortgage Rates October 19, 2011

Consumers searching for a new home loan in Maryland, New Jersey, Pennsylvania, and West Virginia may want to consider the mortgage rates and mortgage loan products of Susquehanna Bank.  Susquehanna Bank is the second largest bank based in Pennsylvania and the 80 largest banks in the nation.  Consumers can obtain mortgage information from one of the more than 220 branch locations in PA, MD, WV, and NJ operated by Susquehanna Bank as well as by calling the banks mortgage customer service representative or through the Susquehanna Bank online banking channel.

Susquehanna Bank plethora of mortgage products includes the most commonly sought after fixed rate mortgage loans and adjustable rate mortgages as well as niche mortgage products and less traditional mortgage offerings.  Mortgage products offered by Susquehanna Bank includes fixed rate mortgages, adjustable rate mortgages, FHA loans, VA loans, jumbo loans, construction loans and reverse mortgages. 

Most of the bank mortgage loan options at Susquehanna Bank are available for borrowers that want to buy a home even if it is a second home or vacation home, build a new home or refinance their existing mortgage for cash out or a lower mortgage rate.  Susquehanna Bank also handles reverse mortgage options for homeowners that are 62 years of age or older and want to borrow against their exiting home equity.

Susquehanna Bank operates their mortgage division to serve experienced home loan borrowers and new home loan borrowers.  Bank representatives can assist borrowers in their selection process to help find the best loan to meet their personal situation with the right loan program regarding the loan term, mortgage interest rate and total fees.  Susquehanna Bank can also offer new customers pre-qualifications to help with the loan approval process, access to a number of mortgage calculators, and financial loan guides online. 

Current examples of the loan programs and mortgage rates offered by Susquehanna Bank for October 19, 2011 include the following:

30 year fixed rate mortgage 4.250% with 0.625 points and an APR of 4.350%.
15 year mortgage rate of 3.500% and 0.625 points and a 3.674% APR.
30 year FHA mortgage rate is 3.750% and 0.250 points with a 3.900% APR.
30 year jumbo home loan rate is 4.875% and 0.500 points yielding a 4.932% APR.

The above loan programs are sample of mortgage rates, Susquehanna Bank offers a variety of other mortgage programs with additional rate and point options.  All mortgage rates are subject to change.  All home loan applications require bank underwriting and loan approval.

Mortgage loan applications with the bank are accepted in person, over the phone, and online.  To reach a mortgage representative at Susquehanna Bank, call 877-581-3743.

The mortgage interest rates and APRs listed are based on a loan amount of $200,000 for a term of 30 years, with a 30 day rate lock period, a minimum credit score of 720 and a maximum LTV of 80% to purchase a 1 unit single family dwelling.  Additional restrictions may apply on the bank home loan products.

To review a current list of the top bank mortgage lenders and mortgage rates by mortgage product please see the following mortgage rate tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.

Peoples United Mortgage Rates October 12, 2011

People’s United Bank offers a solid range of mortgage loan products with competitive interest rates within the six states served by the bank.  The bank provides financial products and services including home mortgage loans in Connecticut, Massachusetts, Vermont, New York, New Hampshire, and Maine.  People’s United Bank is the 53rd largest bank in the nation as measured by total assets. 

In the bank’s most recent financial report, People’s United Bank clearly illustrated how significant mortgage loan originations and mortgage products are to their core business with second quarter of 2011 results showing residential mortgage loans within the bank increasing to $187 million, or 30% annualized, from the first quarter ending March 31, 2011.

People’s United Bank offers mortgages to buy, refinance or build a home.  The bank offers standard fixed rate mortgages as well as adjustable rate mortgages, jumbo mortgages and FHA mortgages.  The bank also offers construction and land loans.

The bank offers a wide assortment of interest rate and point options on the various loan products.  Mortgage rates for specific loan requests will depend on a variety of factors including the borrower’s credit profile, down payment amount, loan amount, debt ratios and geographic location.

Current mortgage rates offered by Peoples United Bank for a property in Brooklyn, NY include the following terms, interest rates and costs for a borrower with good credit and a 25% down payment:

 A 15 year mortgage rate can be obtained with a rate of 3.750% with no points and an APR at 4.030%.

30 year mortgage rate is available at 4.375% with zero points and a 4.539% APR.

30 year jumbo mortgage rate is at 4.875% and no points for an APR of 4.916%.

A 30 year FHA mortgage rate, which requires only a 3.5% down payment, can be had at 4.000% with origination points and an APR of 4.394%.

A 5/1 adjustable rate mortgage is at 3.125% for the first five years with APR of 3.074%.  This loan has a 30 year term and the interest rate may change after the initial fixed five year period on an annual basis.  The interest rate is determined based upon an Index plus a margin.  The index for the 5/1 ARM is the one-year London Interbank Offered Rate (LIBOR) in The Wall Street Journal as of 45 days prior to interest rate change date.  The margin added to the index is 2.25%.

The displayed mortgage rates are based on certain assumptions that may or may not apply to specific loan requests.  Mortgage rates and costs are subject to change at any time, without notice.  All mortgage loans require bank approval.

People’s United Bank was established in 1842.  The bank provides consumer, commercial and wealth management services through approximately 375 branches in Connecticut, Massachusetts, Vermont, New York, New Hampshire, and Maine.  In addition to the traditional bank products and services, subsidiaries of People’s United provide equipment financing, asset management, brokerage and financial advisory services, and insurance services.

For more information on People’s United Bank mortgage loans and mortgage rates, bank customer service representatives can be reached at 1-800-772-1090.

To review a current list of the top bank mortgage lenders and mortgage rates by mortgage product please see the following mortgage tables: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.  Bank mortgage rates are also available at Bank of America mortgage rates, Citibank mortgage rates, Chase mortgage rates and Wells mortgage rates.

Bank of Internet Mortgage Rates September 18, 2011

Bank of Internet offers a wide variety of bank savings products and lending products including competitive mortgage rates for home loans in all 50 states.  Bank of Internet USA is a nationwide savings bank that operates primarily through the Internet.  The bank operates its online based banking from a single location in San Diego, California.  Bank of Internet’s mortgage rates for purchases and refinances remain competitive with most top banks across the nation.

Bank of Internet offers a fairly wide range of home loan products that cover the vast majority of personal real estate financing needs.  The bank website allows potential home loan borrowers the option of submitting a mortgage application online with a secure application anytime of the day.

Loan products offered the bank include conforming and jumbo loan amounts for purchases and refinances as well as multifamily loans.  The banks offers new home loans with fixed interest rates as well as limited adjustable rate mortgages.

Conforming loan rates from the Bank of Internet include the following:

15 year fixed rate mortgage is at 3.250% with no points and an APR of 3.386%.
30 year fixed rate mortgage is at 4.250% with zero points with a 4.301% APR.

Mortgage refinancing rates from Bank of Internet vary little from the purchase money mortgage rates.

A 30 year mortgage refinance from Bank of Internet for property in Illinois for a loan amount of $250,000.00 with no cash back has an interest rate of 4.250% with no points and an APR at 4.258%.

Jumbo loan rates available from the bank on purchase transactions run almost .75% higher than the conforming loan amounts.

The 30 year fixed rate jumbo mortgage is at 5.000% with no points resulting in a 5.008% APR.

Bank of Internet offers numerous other mortgage options with a variety of different mortgage rates, point and APRs.  The banks mortgage rate calculator can provide a wide selection of loan products and the rate and point options, allowing consumers to compare mortgage rates quickly and easily.  For those customers that need assistance, the bank has customer service assistance as well to support the online mortgage services.

Although the bank allows users to run prequalification calculations, all the mortgage rates and prices are not guaranteed until a formal approval has been issued by the bank.

To get more home loan information, get a full pre-approval or lock in a rate, one of the bank’s mortgage consultants can be reached at 888-546-2634.  The bank website can be found at bankofinternet.com.

Missouri CD Rates with Heartland Bank

Heartland Bank is a full service, regional bank that serves the market areas of St. Louis, MO and Denver, CO.  Heartland Bank has been offering consumers bank savings and lending products for over 120 years.  The bank operates branches in the two states of Colorado and Missouri and also offers savings and checking accounts through their online banking division, Heartland Bank Direct

Heartland Bank Direct offers high yield savings account and certificate of deposit accounts online to a nationwide audience.  The bank also offers attractive certificates of deposits products to consumers directly in the regions served by the Heartland Bank branches.

Heartland Bank provides individuals and businesses a variety of banking and financial solutions along with the consumer savings products.  The bank offers personal and business banking, home mortgage loans and commercial lending services along with competitive interest rates on fixed term CDs.

Heartland Bank’s fixed term certificates of deposit are FDIC insured up to the maximum allowable per account holder.  Funds invested in the bank CDs provide a fixed rate of return in a safe and secure account.

Current CD rates and CD terms available with Heartland Bank include the following:
 
1 month CD rate 0.10%
3 month CD interest rate 0.15%
6 month bank CD rate 0.30%
9 month CD rate 0.45%
11 month Elite CD rate 0.50%
1 year CD rate 0.55%
18 month bank CD rate 0.65%
22 month Elite CD rate 0.75%
2 year CD rate 0.80%
25 month CD interest rate 1.00%
3 year CD rate 1.05%
4 year CD interest rate 1.45%
5 year CD rate 1.70%

Additional CD terms and bank rates are available.  The CD Annual Percentage Yields (APY) are accurate as of September 9, 2011.  Bank CD rates may vary by region.  CD rates are subject to change by the listed financial institution.  The CDs listed are fixed term and fixed rate CDs; after the certificate of deposit is opened the interest rate is fixed for the term. 

A penalty may be imposed for early withdrawal of principal from a CD account offered by Heartland Bank.  The minimum opening deposit amount for all Heartland Bank CDs is $1,000.00 with the exception of the bank’s Elite CDs which require a minimum deposit amount of $5,000.00.

For additional information regarding Heartland Bank CD products and interest rates contact a Heartland Bank representative at 866-512-8501.

Compare Heartland Bank CD rates to other bank’s rates in Missouri as well as the best national CD rates to find the highest CD rates to fit your needs.

Online CDs and Savings Account Rates with Heartland Direct

Heartland Bank Direct offers online savings accounts and online CDs to consumers nationwide.  Heartland Bank Direct is a division of Heartland Bank which operates bank branches in Missouri and Colorado.  Heartland Bank customers in Saint Louis and Denver can also obtain checking accounts and money market accounts through the Heartland Bank Direct division.

Heartland Bank has been in operation for 120 years and has been FDIC insured since 1936.  All deposit accounts with Heartland Bank Direct are FDIC insured, protected for up to $250,000.

Heartland Bank Direct certificates of deposit are available with terms of 12 months, 24 months and 36 months.  These are all fixed rate bank CDs with the interest rate guaranteed for the full term of the CD.  The bank CDs have an automatic renewal feature, if the bank is not notified by the account holder to renew, the CD will automatically roll over into an online CD of the same term at the current interest rate offered at the time of maturity.

Current CD rates offered nationally by Heartland Bank Direct include the following terms and rates:

12 month CD rate 0.55% 
24 month CD interest rate 0.80% 
36 month bank CD rate 1.05% 

The online CD accounts have a minimum opening deposit requirement of $1000.00.  Any principal withdrawn from the CD accounts prior to maturity will be subject to an early withdrawal penalty.

The Heartland Bank Direct online savings account is marketed by the bank under the title, Performance Savings Account.  The bank charges are no monthly fees on this savings account.  There is a $500.00 minimum opening deposit requirement for the savings account however; there is no minimum balance requirement.  There are no bank fees if the savings account falls below the initial required deposit. 

The current interest rate on the Heartland Bank Direct savings account is 0.85%. 

The savings account is opened online and can be funded electronically or by mailing a check.  Account holders can also link the savings account with an existing checking account to make bank-to-bank transfers easily. 

The bank offers five different methods to make deposits and withdrawals from the savings account including direct deposit, linking to external bank account, linking to a Heartland Bank checking account, write a check for a deposit and requesting a wire transfer.

For both the bank CDs and online savings account, consumers need to meet only three requirements to open a new account; be an individual at least 18 years of age, have a valid U.S address and have a U.S. social security number or personal tax ID number.

All interest rates listed are current as of this publication date but are subject to change at any time by the bank.  For additional account information as well as current CD rates and savings account rates, Heartland Bank Direct can be reached at 877-444-5148.

South Carolina CD Rates at Greer State Bank

The current CD rates promoted by Greer State Bank in South Carolina for a 6 month and 12 month term CD are approximately twice the national average CD rate for those terms.

Greer State Bank is a state chartered bank in SC that is currently promoting a number of different CD rate deals.  The South Carolina CDs come with competitive yields along with the security of FDIC insurance.  Greer State Bank offers a number of savings options to consumers in the market area served by the bank including a variety of certificates of deposit in South Carolina that have maturities ranging from 7 days to 36 months.

Greer State Bank is currently promoting three Internet CD specials as well as four bank CD promotions.  The Internet CD promotions are valid for new CD applications with Greer State Bank that are submitted online only.

The Internet CD rate promotions are for a 6 month CD, 9 month CD and 1 year CDs.  The 6 month CD rate is 0.65 percent.  The 9 month CD rate is 0.75 percent.  The one year CD rate is also at 0.75 percent.  The minimum opening deposit for these specials is $5,000.00.

The other Greer State Bank CD promotions cover a 6 month CD, 12 month CD, 15 month CD and 18 month term CD.  The current CD interest rates for these promotions are as follows:

6 month CD interest rate 0.60 percent
1 year CD rate 0.80 percent
15 month CD interest rate 1.05 percent
18 month CD rate 1.10 percent 

The minimum deposit for these accounts is also at $5,000.00.

Greer State Bank also offers a 24 month bump up CD.  This bank CD offers an interest rate that is set at the time the account is opened and allows the account holder to withdraw funds at the time of maturity or roll into same term CD.  The interest rate on the certificate has a bump up provision that is available during the CD term.

Bank CD interest rates listed are accurate as of this publication date and may change at the bank’s discretion.  To obtain addition CD rate information as well as current CD rates from Greer State Bank, contact the bank directly at 864-877-2000.

To find additional information on Greer State Bank locations to view branch details, including bank hours of operation, bank branch phone numbers and drive-through availability see Greer State Bank locations.

CD Rates in Delaware at Artisans Bank

Artisans Bank is one of 28 banks headquartered in Delaware.  Artisans Bank is based in Wilmington, Delaware.  The bank operates 13 bank branch locations that offer a wide variety of consumer bank products including competitive CD rates in Delaware.

Artisans’ Bank CDs are available with a wide array of terms and CD interest rates in Delaware.  CD terms available from the bank range from 3 months up to 5 years with a minimum deposit requirement of $1,500.00.   Interest earned on the bank CDs is credited and compounded monthly.  The earned interest can be paid out to the CD account holder as a simple check, a transfer to another bank account or held within the CD account for compound growth.

Bank CDs can also be held as IRA accounts.  The CD IRAs are available as fixed rate CDs as well as variable rate CDs.  IRA CDs are available at terms running from 6 months to 5 years.  Bank IRA CDs can be held in Roth IRA, Educational IRAs, or Traditional IRAs.

Artisans Bank was founded in 1861 and is chartered as FDIC insured savings bank with the FDIC as the bank’s primary regulator.  Artisans’ Bank provides banking products and services for consumers and small businesses in Delaware.  Along with certificates of deposit and CDs held in individual retirement accounts (CD IRAs) the bank offers checking accounts, savings accounts and money market accounts as well as auto loans, home equity loans, mortgages and personal loans.

Current CD rates in Delaware and CD terms offered by Artisans’ Bank include:

91 day CD rate of 0.20%
6 month CD interest rate 0.25%
8 month CD rate 0.30%
9 month bank CD rate 0.35%
10 month CD interest rate 0.45%
12 month CD rate 0.50%
13 month interest rate is 0.55%
18 month bank CD rate 0.65%
24 month CD interest rate 0.75%
30 month bank CD rate 0.85%
36 month interest rate 0.95%
48 month CD rate 1.05%
54 month CD interest rate 1.15%
60 month rate of 0.50%

The rates are listed are for the Annual Percentage Yields (APYs) as of August 3rd, 2011.  All CD interest rate and terms are subject to change without notice.  A penalty for early withdrawal may be applied to the CD accounts.  Additional terms and conditions may exist.  Artisans Bank can be reached at 800-282-8255 for more details on the bank CDs and bank products.

To find additional resources on the best CD rates please refer to 3 month CD rates, 6 month CD rates, 1 year CD rates, 2 year CD rates, 5 year CD rates or CD IRA Rates.

Bank CDs Tied to Commodity Prices with EverBank

When bank rates are low and other investment products on the rise, count on the banking industry to come to the market with an exotic bank product tied to the hot investment of the day. EverBank has entered the foray recently with a limited time offer for a bank CD tied to commodity prices.

That’s right; a normally safe and secure bank CD that customarily has a fixed interest rate with a guaranteed rate of return that is turned upside down with an unknown rate of return tied to changes in commodity prices.

The commodity based CD offered by EverBank is a type of bank CD that are commonly referred to as market based CDs or market linked CDs. The market based CDs provide a rate return linked to the future performance of an underlying market measure or benchmark index. Unlike conventional CDs that offer a fixed interest rate, a market based CD offers no fixed rate or preset interest payment.

The marketing idea is to promote bank CD accounts designed for investors who are searching for principal protection along with participation in the potential appreciation of a benchmark index.
These bank CDs, let investors participate in other markets returns, yet are hedged against losses.

The hedge against losses comes from both the underlying FDIC protection from the risk of loss associated with a bank’s insolvency as well as the protection from any loss of principal that is written into the bank CD agreement. The CD account agreement specifically states that the CD rate of return will be a minimum amount of 100% of the deposited principal if there is no gain in market performance if the investment index.

The EverBank CD is called, the MarketSafe Diversified Commodities CD, by the bank. The benchmark index that determines the rate of return with the EverBank commodity based CD is the performance of 10 commodities.

This MarketSafe Diversified Commodities CD offers the account holder the opportunity to participate in commodity market appreciation with protection to the deposited principal. The bank CD returns at maturity are based on the equally weighted performance of 10 commodities: WTI Crude Oil, Gold, Silver, Platinum, Soybeans, Corn, Sugar, Copper, Nickel and Lean Hogs.

At the CD maturity date, you will receive your original deposit amount but there is no assurance of any return above that deposit amount. All of the return on the EverBank CD is based on the performance of an underlying market measure.

Per the CD agreement, if the underlying commodities perform well, upon CD maturity you’ll receive either a market upside payment or 100% of the deposited principal. If the underlying commodities experience a loss, upon CD maturity the account holder will receive 100% of their deposited principal.

A key drawback with this market based CD and many such exotic bank CDs is that they have a cap on the maximum upside return. With the EverBank commodity CD, there is a 10% cap on the total return per year for each commodity and downside floor of -20%. The return for the CD is established by taking the sum of the average returns for years 1-5, based on the Spot Price as of each commodity prices measured subject to a 10% cap and -20% floor for each commodity. To understand this cap you have to read the CD terms and conditions carefully.

At maturity, the bank CD payment will be based on the results of the following calculation formula: For each year, there is an Interim Return calculated for each of the 10 commodities, by determining the difference between the Initial Value and the Interim Value as of the applicable Pricing Date to get the Interim Return for that commodity. The Interim Return for any commodity is capped at 10% and cannot be less than -20%. The Interim Returns are added and divided by 10 to get the Average Interim Return for each year. The Average Interim Return for any year is subject to a floor of 0%. At the end of five years, add the Average Interim Return is added and the sum for each of the 5 years provides the Cumulative Return of the CD.

EverBank is not the first bank to offer this type of CD, in recent years Wells Fargo has done it as well as Union Bank, among others. EverBank has been particularly aggressive with the creation of these types of CDs.

The term of the CD is five years. There is a minimum deposit of $1,500.00. There are no account fees with the bank CD. The CD is also viable as an IRA CD.

Note as far as early withdrawal of principal from this CD, the terms are harsh, “Except in the event of death or adjudication of incompetence of the holder of the MarketSafe CD, you may not withdraw any part of the CD prior to maturity.”

The MarketSafe CD is a deposit product of EverBank, please consult the bank for details regarding the product. The product is offered for a limited time. EverBank is the 93rd largest bank in the nation based on asset size. An EverBank representative can be reached at 800-926-4922.

The Best CD Rates in CA Pacific Alliance

The best short term CD rates in California are currently sitting well above the national average rates for similar term bank CDs. The best CD rates in California are presently available at a bank with one location in Southern California. The top three month CD rate, six month CD rate, one year CD rate as well as the two year CD rate are well above the national average rate for these terms and come from the same bank. In fact, the top three month CD rate and six month CD rate in CA is five times the national average.

The bank offering these exceptional CD interest rates is Pacific Alliance Bank. Pacific Alliance Bank is a state chartered California bank based in Rosemead, California. The bank was founded in 2006 and has just the one location in sunny Rosemead, home of the Dinsmoor Heritage House and Cultural Museum and home town of Isaias W. Hellman a banker and philanthropist who helped establish the University of Southern California.

Pacific Alliance Bank is a full service bank that offers a variety of consumer bank products and services as well as business bank products and services. The bank is an FDIC insured bank.

Pacific Alliance Bank is categorized as well-capitalized under regulatory guidelines. Tier 1 leverage ratio is 12.62%, tier 1 risk based capital ratio is 18.99%, total risk based capital ratio is 20.26% and non current loans at the bank represent just 0.27% or total loans. This data is current as of the end of 2010.

Pacific Alliance Bank offers personal and commercial banking services. Consumer savings products offered by Pacific Alliance Bank include certificates of deposit, money market accounts, savings accounts and interest bearing checking accounts.

Current CD interest rates offered by Pacific Alliance Bank include the following the terms:

Three month CD rate is at 1.10%
Six month CD rate is at 1.20%
One year CD rate at 1.20%
Two year CD rate at 1.68%

The national average for these CD terms are at significantly lower levels with the three month national average rate at 0.21%, the six month national average CD rate is 0.32%, one year is at 0.50% and the national average CD rate for the two year is 0.77%.

Pacific Alliance Bank offers fixed interest rate bank CDs for fixed terms, ranging from less than 1 month to 36 months. An early with drawl penalty will be imposed on a certificate of deposit from the bank that has an early withdrawal of principal. The early withdrawal penalty is rather generous with the 1 month to 12 month term CDs having a penalty of 1 month’s simple interest

Interest rates and Annual Percentage Yield are current as of March 11th, 2011 based on information obtained from the bank’s website. Bank rates are subject to change at the bank’s discretion without notice.

For more information on the best CD rates in California see CD rates California. For the best national CD rates by term refer to the following pages; 6 month CD rates, 1 year CD rates or 2 year CD rates.

Bank of the West Best Savings Account Rates

While bank rates remain low, Bank of the West is promoting an online savings account that offers an interest rate that is one of the top ten highest savings account yields available nationwide and is above the national average rate for 6 month CDs, one year CDs and two year CDs.

Bank of the West has an online savings account with an interest rate at 1.10% for account balances of $25,000.00 and greater. In order to open the account, a Bank of the West checking account is required with the same ownership as that of the online savings account. Fortunately, Bank of the West is currently running a checking account promotion that will pay a bonus of $100.00 to new checking account holders that make an initial deposit of $100.00 and establishing a recurring direct deposit of at least $250.00.

The $100.00 bonus on the checking account can be obtained by opening the bank’s free checking account which has no minimum monthly balance and no monthly service charges. The $100.00 promotion requires a minimum checking account opening deposit of $100.00 or more with funds new to Bank of the West account as well as the minimum direct deposit. This is a limited time offer by the bank.

The high yield online savings account promotional rate is available only to new personal accounts opened with new funds at the bank. There is a required minimum account opening deposit of $100.00. This is a tiered rate savings account. Savings account balances starting at $0.00 and $2,500.00 will receive 0.05% yield and balances starting at $10,000.00 to $25,000.00 receive a 0.25% yield.

Savings account interest rates are variable rates on all tiers and may change after account is opened. There is no monthly service charge for account holders that maintain a $300.00 average monthly balance in the online savings account. Additional benefits of the savings account include the convenience of an account that linked to the checking account and easy access to the funds with penalty free withdrawals.

The Bank of the West online savings accounts allows unlimited deposits and withdrawals at a branch or Bank of the West ATM and during each calendar month, there is a limit to no more than six preauthorized, automatic or recurring transfers from the account. Savings account holders have the option of moving their money to a higher yielding investment at any time.

Savings accounts with Bank of the West are FDIC insured up to maximum established by FDIC per depositor and ownership type. Bank of the West is the 2nd largest bank in California and the 33rd largest bank in the United States. Bank of the West operates over 700 bank branches in 19 states.

All deposit products and services offered by Bank of the West are subject to change without notice. Additional conditions and restrictions may apply. Interest rates are subject to change without notice.

For more information on the Bank of the West checking account promotion please see Checking Account Promotions. Bank of the West branch locations are listed under Bank of the West Locations. Information on the top ten best savings account rates can be found at Savings Account Rates.

Illinois CD Rate Promotion at Great American Bank

Great American Bank is now offering the best midterm and long term CD rate in Illinois. Illinois residents can open a bank CD at Great American Bank for a two year term and receive a 3.00 percent annual yield. The only catch to the account is that the deposit amount to earn this CD rate has to be between $500.00 at a minimum and $5,000.00 as the limit or maximum amount. However, the 3.00 percent CD interest rate is the best CD rate on a two year term and eclipses the rates that are currently available on the best national two year CD rates as well as the best five year CD rates.

Great American Bank is located in the western suburb of Naperville, Illinois. Great American Bank is a branch of Mutual Federal Bank. Mutual Federal Bank operates two bank branches which includes the branch of Great American Bank in Naperville. Mutual Federal Bank is a federally chartered savings and loan association based in Chicago that was founded in 1905.

Great American Bank is a full service bank that offers a number of other savings options. The banks standard CDs offer competitive fixed interest rates for terms ranging from 3 months to 5 years. The Great American Bank money market account has a current interest rate of 1.25 percent for balances over $2,500.00. The money market account is a variable rate bank savings product that allows limited check writing capability. The bank money market account also provides free online banking, free checks, a free ATM or debt card and more.

Great American Bank is also promoting a savings account for children called the GreatKids savings account. There is a $25.00 minimum to open the savings account. The current rate on the childrens savings account is 1.01 percent.

Additional bank products and services offered by Great American Bank include home loans, bank IRA CDs, a variety of checking account options as well as business deposit accounts.

Great American Bank can be reached directly at 630-352-5700. The bank web address is www.mygreatamericanbank.com.

The CD rates and other bank rates posted are accurate as of this publication date but are subject to change at the bank’s discretion. Bank fees may reduce the annual percentage yield disclosed. There may be penalties for early withdrawal of funds from the bank CDs.

To see more CD rate information for the best CD rates by term please refer to 6 month CD rates, 1 year CD rates, 2 year CD rates and 5 year CD rates. For the best savings account rates and money market account rates please see Savings Account Rates or Money Market Account Rate

Best Short Term CD Interest Rate at AmTrust Direct

AmTrust Direct is currently offering one of the best short term CD interest rates that is now available. AmTrust Direct is a service of New York Community Bank.

The Amtrust Direct short term bank CD offered is a four month term CD that has a CD interest rate of 1.00 percent. To compare this CD interest rate to other short term bank CD rates, the best three month CD rate available nationally is at just 0.75 percent. The best six month CD rate this weekend just barely eclipses the AmTrust Bank rate at 1.12 percent.

New York Community Bank offers bank CDs, money market accounts and online savings accounts through AmTrust Direct after New York Community Bank acquired the deposits and certain assets of AmTrust Bank in December 2009 after AmTrust was taken over by the FDIC. New York Community Bank is the 42nd largest bank in the nation based on asset size as of the fourth quarter 2010.

The CD interest is compounded daily and paid at the maturity of the CD. For bank CD balances over $5,000.00, account holders can choose to receive the CD interest disbursements on a monthly or semi-annual basis. The CD interest disbursements on the larger account balances can be transferred to an AmTrust Bank checking or savings account or mailed to the account holder by check.

The four month certificates of deposit rate from AmTrust Direct is just one example of the online bank products that are available from the bank. AmTrust Direct offers an online money market account that has an interest rate of 1.15 percent for account balances between $10,000.00 and $149,999.99. The high interest online savings account offered by AmTrust has an interest rate of 1.00 percent for account balances between $1.00 and $99,999.99.

AmTrust Direct also offers certificates of deposit with terms from six months up to five years. The bank CD accounts have a minimum opening balance requirement of only $1,000.00, the online savings account minimum opening balance is $500.00 and the minimum amount to open the money market account is also $500.00.

The bank CDs can be opened online with the bank’s online account application and the CD can be funded with either an electronic transfer of funds or via check mailed to the bank. The bank CD interest rates listed are subject to change at any time before account is opened. Fees may reduce earnings. The CD Annual Percentage Yields (APYs) are accurate as of December 4th, 2010.

All CD accounts, online savings accounts and money market accounts are FDIC insured. AmTrust Direct can be reached at 888-228-8146.

To see other bank deals and promotions please see bank deals, checking account promotions, Chase Bank promotions, Citibank promotion or to review a list of the best CD rates by term please see 6 month CD rates, 1 year CD rates, 2 year CD rates and 5 year CD rates.

Harris Bank CD Rate Special

Harris Bank currently has a bank bonus on two of their bank CD products. Harris Bank is offering a limited time special CD rate on a short term, 13 month CD, and a long term, 48 month term CD. The 13 month CD rate is at 0.80 percent while the 48 month term CD rate is at 1.70 percent.

These special CD rates are available to consumers that open a Harris personal checking account. The minimum opening deposit for these Harris Bank CDs is $5,000.00. The special certificate of deposits and CD rates are available to residents in Illinois, Indiana and Wisconsin.

The Harris Bank shorter term certificate of deposit can be a good investment choice while interest rates appear to have reached a low point. The longer term CD may be a good choice for a diversified interest bearing portfolio or for those savers and investors that feel interest rates are unlikely to rise in the immediate future.

Harris Bank is a Chicago based bank that operates over 300 bank branches in Illinois, Indiana, and Wisconsin. Harris Bank offers personal banking products and services, business banking products and service and a variety of wealth management services. Harris Bank personal bank products consists of a number of traditional bank savings and investment options, including a range of certificates of deposit, money market accounts, savings accounts.

The banks other CDs also have competitive interest rates compared to regional banks in their market area.

Harris Bank certificates of deposit are fixed term and fixed rate certificates that provide an opportunity for account holder to lock in high interest rates for the term of the CD. The interest earned on the bank CDs is compounded daily and paid quarterly.

Standard term bank CDs at Harris range from 3 months to 5 years in length. All of the bank CDs are available as both regular and jumbo accounts. Harris Bank CDs can also be held in an IRA account as well. The bank CDs are FDIC insured up to the maximum amount per account owner.

All CD interest rates and annual percentage yields are accurate as of this publication date and are subject to change at any time. All bank accounts require bank approval.

To see other bank deals and promotions please see bank deals, checking account promotions, Chase Bank promotions, Citibank promotion or see a list of the best CD rates by terms at 6 month CD rates, 1 year CD rates, 2 year CD rates and 5 year CD rates.

CD Rates in Florida with Oceanside Bank

Oceanside Bank is a Florida based bank headquartered in Jacksonville Beach, FL. The bank has been in business for over 12 years and now operates four bank branches in the region.

As a local bank, Oceanside Bank possesses some significant advantage over the large money center banks operating in the region. The local branch of Oceanside Bank has fewer customers to serve and can focus more of their attention and services to their clients’ specific needs. Oceanside Bank also offers higher savings account rates, better rates on certificates of deposit, as well as competitive mortgage rates that the nationwide competitors do not match.

Oceanside Bank also offers a full line of business banking services and consumer banking services. Among the consumer banking services, Oceanside Bank offer a full range of options for certificates of deposit, money market accounts, savings account and checking accounts. The Florida bank also offers business loans, personal loans, home equity lines of credit, and many more loan options.

The Florida bank CDs offered by Oceanside Bank can be opened with a low $500.00 deposit, have no service fees and come in wide range of maturities. Options for the bank CDs range from short term, 30 day CDs to long term, 5 year bank CDs.

Current Florida CD and CD rate options offered by Oceanside Bank include the following terms and rates:

30 day Florida CD rate is 0.40%.
3 month CD rate 0.50%
6 month CD interest rate 0.75%.
1 year CD rate 1.15%.
18 month CD rate in Florida is also at 1.15%.
2 year bank CD rate 1.50%.
30 month Florida CD rate 1.60%
3 year CD rate 1.75%
4 year CD interest rate is at 2.15%
5 year rate 2.40%

Oceanside Bank offers a Step-Up CD to go along with the standard bank CDs. With the bank’s Step-Up CD, the account holder has the option to change the interest rate on the bank CD without a penalty. The 24 month Step-Up CD earns a rate of 1.50% with the option to step-up the interest rate one time during the term.

The Florida CD rates and annual percentage yields listed are current as of November 1, 2010 but are subject to change at any time. For current Florida CD rates from Oceanside Bank, a bank representative can be reached at 904-247-9494.

Oceanside Bank also offers a very competitive money market account and basic bank savings account. The bank money market account has a current interest rate of 1.01% for balances of $2,500 up to $100,000. The bank savings account rate is now yielding 0.75% for balances of $100.00 or greater.

To find more information on the best Florida CD rates referr to Florida CD rates. For more information on the best CD rates by term refer to the following pages; 6 month CD rates, 1 year CD rates, 2 year CD rates and 5 year CD rates.

CNBBankDirect Savings Rates and CD Interest Rates

CNBBankDirect is a division of Citizens National Bank based in Ohio and offers some of the best CD interest rates and online savings account rates available nationally. Not only does the bank offer bank savings rates that are among the top ten highest bank rates available but the bank is often not recognized for these high yielding products.

CNBBankDirect is currently offering a 1 year CD rate at 1.50%. This is currently the second highest 1 year CD rate available nationally. There is one significant condition attached to the account, to open the account the account holder has to have an online savings account with the bank. But, the online savings account can be opened with $1.00 and it pays 1.25% which is among the top five highest savings accounts rates available nationally.

A quick search of the top three bank rate websites indicates that not one of these resources displays the value of CNBBankDirect CD rates and savings account rates. Feel free to search the competitions rate surveys and content to see where CNBBankDirect ranks. To check the accuracy of the data simply go to www.cnbbankdirect.com to view the current high yield savings account and click on the online banking menu item to see the promotions for bank CD interest rates. The bank can be reached by phone at 877-777-9358.

The high yield savings account is FDIC insured. There is a $1.00 minimum opening balance and the account earns interest on all savings account balances of $1.00 or more. The bank offers access to the online savings account 24/7 with no monthly service fees. The online savings account allows account holders the ability to make up to 6 withdrawals per month and unlimited deposits per month.

Funds to open an online savings account can be transferred from an existing checking or savings account; therefore, new account holders can you these accounts as additional bank accounts and don’t have to switch banks.

CNBBankDirect also offers an 18 month CD rate of 1.65% as well as a 2 year CD interest rate of 1.85%.

The high yield savings account is offered exclusively through the banks’ online website, cnbbankdirect.com. Citizens National Bank has assets totaling more than $550 million and operates seven bank branch locations in Ohio.

An interesting tid bit of information about Citizens National Bank provided by the bank’s website is that Citizens has the unique notoriety as being one of the banks John Dillinger robbed in 1933.

MI CD Rates at First National Bank of Norway

First National Bank of Norway has been offering competitive deposit accounts in Michigan since 1901. The bank offers a number of savings options including bank CDs with competitive MI CD rates through four bank branches in The Wolverine State.

There are many ways for Michigan residents to save their money and make it grow. The question for most consumers is which bank savings vehicle is the right one. Certificates of deposit offer an excellent investment choice. With bank CDs, consumers can choose from a variety of terms ranging from short to long maturities and be certain that that the invested funds are safe and secure.

Certificates of deposit offered by First National Bank of Norway provide a safe, conservative investment and a convenient place to store money. First National Bank of Norway certificate of deposit accounts offer competitive interest rates and the security of FDIC insurance.

For consumers that may be saving for vacation, college expenses, or an emergency fund, the bank savings and bank CDs provide options to meet both short and long term goals. First National Bank of Norway CDs are available in fixed terms ranging from 3 months to 60 months, all earning a competitive CD interest rate. There is a minimum deposit balance required to open the accounts.

Current MI CD rates offered by the bank with a minimum $1,000.00 opening deposit include the following rates and terms:

3 month CD rate is 0.55%
6 month CD interest rate is 0.80%
1 year CD rate 1.15%
18 month MI CD rate 1.35%
2 year CD rate 1.60%
30 month bank CD rate 1.85%
3 year CD interest rate 2.10%
4 year CD rate in MI is 2.30%
5 year CD rate 2.75%

The listed CD rates in MI are current as of this publication date but are subject to change at any time by First National Bank of Norway. All bank CDs and bank CD rates in MI require bank approval, additional conditions may apply. A penalty may be imposed for early withdrawal of the principal from the CDs.

First National Bank of Norway offers other interest bearing deposit accounts including savings accounts and personal money market accounts that provide savings at a competitive interest rate while allowing immediate access to the funds with no penalty.

For current bank interest rate information or more account information on bank deposit products call a bank representative directly at the following numbers: 906-563-9233, 906-779-0455, or 906-639-2600.

For more information on Michigan CD rates refer to the CD Rates Michigan page at Selectcdrates.com.

CA CD Rates with Luther Burbank Savings

Finding high yield CD rates in California is becoming harder and harder and many CD rate shoppers simply review the CD interest rates promoted by the largest banks in the region to invest their funds. Unfortunately for many of these investors and savers they may be missing higher rate opportunities with regional and smaller banks and thrifts.

One such locally owned bank in California is Luther Burbank Savings. Luther Burbank Savings is based in Santa Rosa, California with branch locations in Encino, Palo Alto, Pasadena, San Rafael, and Burbank, California. Luther Burbank Savings provides a variety of banking services in the region through their bank branch network and with online banking.

Luther Burbank Savings is a California Thrift that primarily takes deposits and lends the money for residential loans. Among the deposit products offered by the bank includes checking accounts, money market accounts and certificates of deposit. Real estate lending services offered by Luther also include apartment lending, commercial lending, along with residential lending.

The bank certificate of deposit accounts have fixed maturities and fixed interest rates and early withdrawal penalties will apply.

For consumers shopping for the best CD rates, comparing and reviewing a variety of banks is one of the best ways to find the best CD rates.
Current CD rates in California offered by Luther Burbank Savings with a minimum $1,000.00 include:

3-5 month CD rate of 0.90%
6-11 month bank CD rate at 1.00%
12-17 month CD interest rate 1.25%
18 month CD rate at 1.35%
2 year bank CD rate 1.70%

The CD rates in CA listed are current as of this publication but are subject to change by the issuing bank at anytime. All California bank CDs and CD rates require bank approval, additional conditions may apply to open these accounts.

For current CD rates or more information on Luther Burbank Savings deposit products, a bank representative can be reached at 800-578-9216.

Luther Burbank Savings is just one of many FDIC insured banks in California that offer competitive CD rates. For a list of the best CA CD rates please refer to the California CD rates page on this site.

AZ CD Rates and NM CD Rates with First Community Bank

First Community Bank is a New Mexico based commercial bank that offers bank products and services including bank CDs with competitive CD rates in New Mexico and Arizona to customers from 40 bank branches located in New Mexico and Arizona.

First State Community Bank has great long term bank CD rates for standard deposit amounts as well as for large deposit jumbo CDs that require at least $100,000 to open. For consumers searching for the best CD rates in Arizona or the best CD rates in New Mexico, the CD interest rates offered by First Community Bank are worth reviewing.

The bank CDs offer a guaranteed yield with fixed rates and flexibility by offering a choice that includes a large variety of terms or maturities. The CD interest earned on the accounts can be disbursed by check or deposited to another account. CDs may be used as investments, as supplemental income with interest received, or as collateral on loans.

The bank certificates of deposit can be used as a tool for saving for something in the near future with the very short term CDs or for periodic annual expenses by using the interest earned or for the long term objectives by using different term CDs or long term CDs.

Current CD rates in AZ and CD rates in NM offered by First Community Bank include:

Bank CDs with a term less than 3 months have a rate of 0.40%
3-5 month term bank CD rate 0.50%
6-11month CD interest rate is 0.80%
12-17 month First Community Bank CD rate is 1.00%
18-23 month CD rate is 1.36%
24-35 month bank CD rate 1.76%
36-47 month CD interest rate 1.91%
48-59 month CD rate 2.42%
60+ month First Community Bank CD rate is 2.83%

CD rates for Arizona and CD rates in New Mexico offered by First Community Bank are current as of this publication date but are not guaranteed. All CD interest rates are subject to bank approval and additional conditions may apply.

For current CD rates and account information, a First Community Bank customer service representative can be reached at 888.983.7266.

For more certificate of deposit rates in Arizona see Arizona CD rates.

California CD Rates with Compass Bank

Compass Bank is one of the 25 largest banks in the U.S.  The bank is headquartered in Birmingham, Alabama and operates more than 720 bank branches in Texas, Alabama, Arizona, California, Florida, Colorado and New Mexico.  Compass Bank is a wholly owned subsidiary of BBVA. 

BBVA acquired Alabama based Compass Bank in 2007, BBVA Compass then acquired Guaranty Bank after it was seized by the FDIC in August 2009 which gave Compass the branches in California.  Guaranty Bank had operated 103 branches in Texas and 59 in California.

Compass Bank and the subsidiaries of BBVA provides its customers with a full range of financial services, including commercial and wholesale banking, retail banking services, consumer loans, mortgages, credit cards, securities brokerage, wealth management, pension plan management and insurance.

Compass Bank offers numerous savings options for consumers such as savings account, certificates of deposits, money market accounts and IRAs.  Compass Bank offers CD’s in all states in which they operate including FDIC insured bank CDs in California.  The California CDs offer flexible terms with competitive CD rates in California.

Compass Bank offers different promotional CD rates for each banking region they operate in.  The current CD rates in California offered by Compass Bank are some of the highest CD rates in the region.

The bank CDs have terms ranging from 7 days to 15 years.  The CDs also have flexible interest payment options including payment by check or transfer to another bank account monthly, quarterly, semi-annually, annually, or at maturity if the term is less than one year.

California certificate of deposit rates offered by Compass Bank include the following terms and rates:

1 month CD rate in California is 0.15% 
3 month CD has the same 0.15% rate. 
6 month CD rate is 0.40% 
9 month California CD rate is 0.60% 
1 year CD rate 0.90% 
18 month bank CD rate 1.05% 
2 year CD rate is 1.40% 
30 month bank rate is 1.30% 
3 year CD rate in California is 1.65% 
4 year CD interest rate 2.10% 
5 year CD rate 2.50% 

All bank CDs require a minimum deposit of $5,000.00 to open.  Bank rates and California CD rates promoted by Compass Bank are subject to change.  Rates current as of this publication March 13, 2010.  Additional conditions may exist to open these accounts.

For current CD rates and account information a Compass Bank representative can be reached at 1-800-266-7277.

NY CD Rates with Wilber National Bank

Wilber National Bank offers a number of consumer bank products in New York including a variety of certificate of deposit options with competitive CD rates in New York.  Wilber National Bank is a New York based bank that was founded in 1874 and is headquartered in Oneonta, New York.  The bank has branch locations in Otsego, Delaware, Schoharie, Chenango, Ulster, and Broome counties in New York.

Wilber National Bank offers a variety of bank accounts and services for consumers, businesses, not-for-profit organizations and municipalities.  Wilber National Bank deposit products include demand deposit accounts, interest bearing transaction accounts, money market accounts, statement savings accounts, passbook savings accounts, and fixed and variable rate certificates of deposit.

Deposits in the savings accounts at Wilber National Bank are guaranteed by the Federal Deposit Insurance Corporation (FDIC).  FDIC insurance covers deposits in checking, NOW and savings accounts, money market deposit accounts and certificates of deposit.

The NY CD rates for the fixed rate certificates of deposit at Wilber National Bank are fixed for the full term of the CD.  The CD rates for the variable rate certificates of deposit at Wilber National Bank may change after the account is opened.

Current NY CD rates and terms offered by Wilber National Bank include:

3 month to less than 6 month term CDs have an interest rate of 0.30%
6 month to 12 month CD rates in NY is at 0.75%
1 year CD rate is 1.01%
13 month to 18 month NY CD rate is 1.26%
18 months to 2 year CD interest rate is 1.81%
2 year to 3 year bank CD rate is 2.02%
3 year to 4 year bank rate is 2.27%
4 year to 5 year CD rate 2.89%
5 year CD interest rate 2.99%

The bank is also promoting some special CD rates in NY which include:
A 72 month CD with an interest rate of 3.04% and an 84 month CD that earns a rate of 3.45%.
    
Wilber National Bank also offers a variable rate certificate that has a 2year term and an interest rate of 0.85%.

Bank rates and CD rates in New York presented by Wilber National Bank are subject to change.  Rates are current as of this publication date but are not guaranteed.  All bank CDs in NY presented by the bank are subject to bank approval and additional conditions may apply.

For current CD rates and additional account information a Wilber National Bank representative can be reached at 1-800-374-7980.

CD Rates in New Jersey with Sturdy Savings Bank

Sturdy Savings Bank offers competitive CD rates in New Jersey and has been offering banking products and services in Cape May County, New Jersey since 1922.   The bank based in Cape May Court House, New Jersey and offers both personal and commercial banking services in the region.

Sturdy Savings Bank provides a number of convenient services along with competitive interest bearing savings products.  Bank services include direct deposit, online banking, telephone banking and banking through ATMs.

Savings options from Sturdy Savings Bank include checking accounts that pay a market rate of interest, savings accounts, money market accounts and a variety of high yielding certificates of deposit.

Sturdy Savings Bank NJ CDs offer flexibility with a number of different maturities and CD interest rates.  Bank CDs in New Jersey offered by the range in terms from 3 months to 5 years.  The interest earned on the bank CD accounts is compounded daily and credited monthly.  The earned interest can be allowed to accumulate in the bank account for compounding or can be withdrawn by check or transferred to another bank account.

Current CD rates in New Jersey promoted by Sturdy Savings Bank include the following terms:

3 month NJ CD rate
6 month CD rate in NJ
9 month CD rate
12 month CD interest rate
18 month bank CD rate
18 month CD with a variable rate
2 year CD rate in NJ
30 month CD interest rate
3 year bank CD
4 year bank rate
5 year CD rate

The bank also offers other CDs in New Jersey.  With these bank CDs, the account holder can earn high yields with great terms.

Bank CDs with less than one year maturity require a $1,000.00 minimum deposit while those CDs with maturities of one year or longer require a $500.00 minimum deposit.

CD rates are subject to change and bank approval, additional conditions may apply to open these accounts.  For current CD rates and account information a Sturdy Savings Bank representative can be reached directly at 609-463-5220.

CD Rates in Illinois with Glenview State Bank

Competitive certificate of deposit rates, mortgage loan rates and auto loans rates are just some of the consumer bank products offered by Glenview State Bank.  Glenview State Bank is an Illinois based bank founded in 1921.  The bank manages eight bank branches with its main office located in Glenview, Illinois.  Glenview State Bank is a wholly owned subsidiary of Cummins-American Corp. that has over $1 billion in assets.

Glenview State Bank offers a number of financial products to individuals and businesses in the Glenview area including competitive Illinois CD rates.  The bank offers personal banking services, business banking and wealth management services.

Glenview State Bank offers a full range of consumer banking products that include: several different checking accounts, savings accounts, money market accounts, certificates of deposit, loans, online personal banking, phone banking, ATM/debit cards, and safe deposits.

Glenview State Bank certificates of deposit provide flexibility and security for investors and savers.  The bank CDs provide high rates of return for those investors willing to invest their money for a fixed amount of time.  Terms for bank CD deposits vary from 3 months to five years.

Current CD rates in Illinois offered by Glenview State Bank include the following terms and rates with a minimum deposit requirement of $1,000.00:

3 month Illinois CD rate is 0.25%  
6 month Illinois CD rate is 0.40%
9 bank CD rate is 0.70%
One year CD rate is 0.85%
18 CD interest rate is 1.00%
Two year CD rate in Illinois is 1.36%
Three year CD rate in Illinois is 1.71%
Four year CD interest rate is 2.07%
Five year bank CD rate is 2.43%
  
Illinois CD rates offered by Glenview State Bank are subject to change and additional conditions may apply.  For current CD rates and additional account information a bank representative from Glenview State Bank can be reached at 847-729-1900.

New Jersey CD Rates with Atlantic Stewardship Bank

Atlantic Stewardship Bank is a full service commercial bank in New Jersey.  Atlantic Stewardship Bank provides personal, business, and online banking services.  The bank services include personal and business checking accounts and time deposits, money market accounts and regular savings accounts.

Atlantic Stewardship Bank has a strong Christian foundation and the founders of the bank incorporated a tithing program into the bylaws of the company.  Atlantic Stewardship Bank shares ten percent of its pre-taxable income with Christian and non-profit organizations selected by the Board of Directors.

Along with savings account, money market accounts and interest bearing checking accounts, the bank offers a number of certificates of deposits with varying terms and CD rates in New Jersey.

The bank’s regular certificates of deposit have terms available from 30 days through 60 months.
The banks CDs have a minimum deposit of $500.00.  The bank also offers a CD called the Power Certificates of Deposit.  These bank CDs also have a minimum deposit of $500.00.  These New Jersey CDs offered by the bank allow the account holder to increase the CD rate one time during term at customer’s option.  The account holder can also add to the balance of the CD one time during the term in any amount up to the original amount of the certificate.

Current NJ CD rates and terms offered by Atlantic Stewardship Bank on their standard or regular bank CDs include:

30 – 89 day NJ CD rates are at 0.30% 
90 – 179 day CD rates is 0.40% 
180 – 364 day bank CD rate 0.50% 
12 – 17 month CD rate in NJ is at 0.80%
18 – 23 month CD interest rate 0.99%
24 – 35 month CD rate is 1.25% 
36 – 47 month bank CD rate 1.75% 
48 – 60 month NJ CD rate is 2.49% 

Current NJ CD rates for the bank Power Certificates of Deposit include:

18 – 23 month NJ CD rates are at 1.50% 
24 – 35 month CD rate is 1.76% 
36 – 47 month bank CD rate is 2.26% 
48 – 60 month CD interest rate in NJ is 3.00% 

Bank certificates with maturities of 12 – 60 months will have the interest earned compounded daily and credited semi-annually.  Bank rates and CD rates in New Jersey offered by Atlantic Stewardship Bank are subject to change.  NJ CD rates are current as of this publication.  All bank CDs are subject to bank approval and additional conditions to open the accounts may apply.

For current CD rates in New Jersey and additional account information a bank representative can be reached at 877-844-2265.

Ohio CD Rates at Killbuck Savings Bank

Killbuck Savings Bank is a state chartered bank headquartered in Killbuck, Ohio.  The bank operates nine full service branches and one loan production office in the region.  Killbuck Savings Bank has received a 5 star rating in 2008 from the bank rating service, Bauer Financial, Inc. 

Killbuck Savings Bank offers traditional retail and commercial banking services including checking and savings accounts, Health Savings Accounts (HSA), certificates of deposits with competitive CD rates in Ohio, interest-bearing accounts, internet banking, bill payment, safe deposit facilities, real estate mortgage loans and consumer loans.  The bank also makes secured and unsecured commercial loans in the area.

The bank’s certificates of deposit offer a safe, high yield investment opportunity.  FDIC insured CD rates in Ohio can be locked for a period up to 5 years with the bank CDs.

The bank offers various terms that allow account holders to select the best option for their individual needs.  Interest earned on the Ohio bank CDs can be reinvested into the CD accounts or paid directly to the account holder.

Killbuck Savings Bank Ohio CDs require a minimum deposit of $500.00.  The bank CDs will incur a penalty of 1 month interest on accounts with original maturity of 1 year or less fro early withdrawal and 3 months interest on accounts with original maturity of more than 1 year.

Current CD rates in Ohio offered by Killbuck Savings Bank include the following terms and rates:

Certificates of deposit less than 30 days have a CD rate of 0.50% 
Certificates of deposit with terms of 30-89 days also have a CD rate of 0.50% 
90-179 day certificates of deposit have an interest rate of 0.50% 
180-364 day CD rates are at 0.70% 
One year CDs in Ohio offered by the bank have a rate of 1.00% 
Two year CD rates in Ohio offered by the bank are at 1.76% 
Certificates of deposit with a three year maturity have a yield of 2.27% 
The 4 year CD rate is 2.78% 
And 5 year term CD rates in Ohio are at 3.04% through the bank. 

Bank rates and Ohio CD rates are subject to change.  Rates are current at the time of this publication; additional conditions may apply to open the bank CDs.  For current CD rates and further bank account information a bank representative from Killbuck Savings Bank can be reached at 330-276-2014.

PA CD Rates at Royal Bank America

Royal Bank America and Royal Asian Bank are subsidiaries of Royal Bancshares of Pennsylvania, Inc., headquartered in Narberth, Pennsylvania.

Royal Bank America has fifteen full service branch bank locations in southeastern Pennsylvania and New Jersey.  Royal Asian Bank operates six bank branch locations in southeastern Pennsylvania, Northern New Jersey and New York City.

Royal Bank America provides consumer and business banking service and products in Pennsylvania and New Jersey.  Royal Bancshares affiliates including Royal Bank America and Royal Asian Bank offer a wide variety of products and services, including lending programs ranging from commercial real estate loans, asset based lending, structured financing, equipment leasing as well as traditional bank products such as high yielding certificates of deposit, money market accounts, checking accounts, savings accounts and Internet banking.

For consumers looking for the best CD rates in Pennsylvania or CD rates in New Jersey, Royal Bank America and Royal Asian Bank offer a wide variety of options. 

Pennsylvania and New Jersey bank CDs offered by Royal Bank require a minimum deposit of $1,000.00 with the exception of the 3 month and 6 month CD which require a larger, $5,000.00 deposit.  Current CD rates in New Jersey and Pennsylvania offered by Royal Bank America include the following terms:

3 month CD rate in Pennsylvania or New Jersey is 0.75% 
6 month bank CD rate in New Jersey or Pennsylvania is 1.00%  
1 year CD rate is 1.50%  
18 month rate is 1.65%  
2 year ban rate is 2.00%  
3 year CD interest rate 2.20%  
4 year bank CD rate is 2.40%  
5 year CD interest rate is 2.75%  
8 year rate is 3.10%  
10 year CD rate in Pennsylvania or New Jersey is 3.75%  

CD rates in New Jersey or Pennsylvania offered by Royal Bank America is subject to change.  Bank rates are current are as of the date of this publication.  CD rates subject to bank approval and additional conditions may apply.

For current CD rates and additional bank account information from Royal Bank America, a bank representative can be reached at 610-668-4700.

Minnesota CD Rates with Think Mutual Bank

Think Mutual Bank is a full-service banking institution based in Rochester, Minnesota.  The bank was formed in 2007 and is chartered as savings association regulated by the Office of Thrift Supervision.  Think Mutual Bank offers personal and commercial banking services.  The bank offers a wide variety of consumer loan options, a full range of deposit products, as well as home financing.  The certificates of deposits issued in Minnesota and all other deposit products are insured under the FDIC.

Think Mutual Bank offers a number of savings options for its customers including certificates of deposit.  The bank CDs can be used to save for a variety of financial goals, both long term and short term.

The certificates of deposit are accounts are established where the funds are held for predetermined length of time, Think Mutual Bank CDs range from 3 months to five years in term or maturity.

The minimum deposit on the fixed rate bank CDs starts at a low $250.00 or just $10.00 for those customers that establish an automatic deposit on the variable rate CD accounts.  Additional deposits can be made to existing variable rate CDs.

Current CD terms and CD rates in Minnesota offered by Think Mutual Bank include:

3 month fixed rate CD is 0.60% 
6 month CD rate 0.95%  
1 year fixed CD interest rate 1.50% 
18 month bank CD rate is 1.55% 
2 year fixed CD rate in Minnesota is 1.75% 
30 month fixed bank CD rate is 1.85% 
3 year CD interest rate 2.20% 
4 year CD rate 2.45% 
And the 5 year Minnesota CD rate is 2.90% 

There are no service fees or sales charges on the bank CDs.  The annual percentage yields listed are based on the assumption that interest will remain in the bank CD account until maturity.  Interest earned and renewed into the CD account becomes part of the principal balance and is subject to penalty if withdrawn.  Interest earned and paid during the term of an account can be withdrawn without penalty.
 
Bank rates and CD rates subject to change at the bank’s discretion before opening the account.  Additional conditions may apply.

For current Minnesota CD rates offered by Think Mutual Bank and additional account information a bank representative can be reached at 1-800-288-3425.

Georgia CD Rates at The National Bank of Georgia

The National Bank of Georgia is Georgia based bank headquartered in Athens, Georgia.  The National Bank of Georgia has two offices, one in Athens and one in Gainesville.  The bank first opened for business in 2000.

The National Bank of Georgia offers a full range of financial products and services to meet a variety of personal and business financing needs.  NBG offers a complete range of lending services for consumers and businesses including mortgage loans, auto loans, real estate construction financing and working capital loans.  Personal banking products and services include a variety of checking accounts from free checking to interest bearing checking accounts, savings accounts and certificates of deposit.

The National Bank of Georgia certificates of deposits and bank IRA CDs provide a safe and secure FDIC insured savings vehicles.  These savings options generally provide a way to earn a higher rate of interest than other bank savings products.  The bank CDs come with flexible and convenient terms with a minimum deposit of $500.00 on the one year and greater maturities.  Bank CD terms are available from seven days to five years.

With one year and longer term bank CDs, account holders have the option of receiving the accumulated earned interest as monthly checks, or leaving the earned interest in the account to compound.  CD interest is compounded daily on the CDs with a one year and longer maturity as well.

All CD terms posted are available for Individual Retirement Accounts.  Current account terms and CD rates in Georgia offered by The National Bank of Georgia include:

6 month CD rate is 1.25%  
9 month CD interest rate is 1.35%  
1 year bank CD rate is at 1.75%  
18 month Georgia CD rate 2.00%  
2 year bank rate 2.25%  
3 year rate is 2.65%  
4 year CD interest rate 2.75%  
5 year CD rate 3.00%  

Bank rates and CD rates in Georgia offered by The National Bank of Georgia are subject to change and additional conditions may apply to open these accounts.  For current Georgia CD rates and more account information, contact a representative from The National Bank of Georgia at 706-355-3122.

Florida CD rates at 1st National Bank of South Florida

1st National Bank of South Florida is a community Bank headquartered in Homestead, Florida.  The bank was established in 1932 and now operates seven bank branch offices in Florida.

1st National Bank of South Florida provides personal and business banking services primarily in South Florida.  The bank provides financial services through various bank products and services including accounts like checking accounts, savings accounts, certificates of deposit, IRA’s, a range of loan programs that includes home loans, agricultural loans, home equity loans and home improvement loans.

1st National Bank of South Florida offers several different certificate of deposit terms with varying interest rates.  The bank certificates of deposit offer a higher interest rate than is paid on the other savings products.  The bank CDs are all fixed rate investment products in which the interest rate is locked in at the time the money is deposited and will not vary during the term of the certificate.  The earnings on the bank CDs are guaranteed and the principal on the account will never fluctuate.

Current CD rates in Florida offered by 1st National Bank of South Florida include the following terms and interest rates:

59-89 day CD rates is at 0.58%
90-179 day bank CD rate is 0.78%
180-364 days CD interest rate 0.98%
6 month Florida CD rate 1.18%
1 year bank CD rate is 1.63%
18 month CD interest rate 2.00%
2 year CD rate 2.11% 
3 year CD rate 2.45% 
4 year bank rate 2.74% 
5 year bank CD rate 3.07% 

The CD interest rates and APYs (Annual Percentage Yield) listed above are accurate as of 2/17/2010 and are subject to change by the bank without notice.  Additional conditions may apply to open these bank CDs.  For current CD rates in Florida and account information, a 1st National Bank of South Florida representative can be reached at 800-611-8073.

Utah CD Rates with Bank of Utah

Bank of Utah is a Utah based bank that was established in 1952.  Bank of Utah provides a number of financial services in the northern area of Utah.  The bank offers personal banking, business banking, home lending, and trust services.

Bank of Utah offers a number of savings options for consumers in the market region served to choose from.  Standard savings products include: statement savings accounts, money market accounts, IRAs, certificates of deposit with competitive Utah CD rates and Bridal Savings Account to help newlyweds save for a home.

The statement savings account offered by the bank is a simple account that offers interest compounding daily and has a minimum opening deposit of just $200.00.

The money market account is a tiered interest rate account, the more money held in the account the higher the interest rate earned on the account.  The minimum opening deposit is $1000.00. 

The bank certificates of deposit (CD) earn a guaranteed interest rate with a choice of several different maturities.  The length and amount of the deposit determines the rate of interest you earn.  Most of the banks CDs require a minimum deposit of $1,000.00; the short term 30 day certificate has a minimum of $2,500.00.

Current CD rates in Utah offered by Bank of Utah include:

30 day CD rate is 0.60% 
60 day CD interest rate is also 0.60% 
90 day bank CD rate stays at 0.60% 
182 day CD rate is 0.75% 
1 year CD rate is 1.00% 
18 month bank CD rate is 1.25% 
2 year CD interest rate is 1.50% 
30 month CD bank rate is 1.70%
3 year bank CD is 2.00% 
4 year CD rate is 2.25% 
5 year CD interest rate is 2.50% 

The bank also offers two promotional CD rates in Utah.  The bank offers an 8 month term CD with an interest rate of 1.00% and a 15 month CD that earns a rate of 1.49%.  Both of these bank CDs require a minimum deposit of $10,000.00.

CD rates in Utah offered by Bank of Utah are subject to change and additional conditions may apply to open these accounts.  For current CD rates and account information a bank representative can be reached at 800-516-5559.

CD Rates in Florida with Eurobank

Eurobank is a Florida based bank that is state chartered bank and member of the Federal Deposit Insurance Corporation (FDIC).  Eurobank is a locally operated bank that serves the communities in South Florida.  EuroBank was established in 1991and currently has three bank branches located in Coral Gables, Boca Raton and Pompano Beach, Florida.

Eurobank offers a wide assortment of deposit and lending products to serve the local and international segments of the South Florida banking market.  Savings products offered the bank include NOW accounts, savings accounts, money market accounts and certificates of deposit with competitive Florida CD rates.

EuroBank’s Now Account is an interest bearing checking account.  The banks’ money market account is also an interest bearing account that offers a tiered interest rate earnings schedule with higher rates for larger balances.  The savings account allows savers to invest and hold their funds at a competitive rate without a monthly fee.

Certificate of deposits (CDs) at the bank are established to have competitive CD rates in Florida that earns a fixed interest rate that is generally higher than interest paid on other savings vehicles and demand accounts at the bank.

Current Florida CD rates and terms offered by the bank include:

1 – 3 month term bank CD rate is 0.70%  
4 – 6 month CD rate is 0.95%  
7-12 month CD interest rate 1.25%  
13 – 24 month term bank CD rate 1.30%  
25 – 48 month CD rate 1.40%  
49 – 60 month CD interest rate 1.50%  
Special liquid Florida CD rate of 1.80%

A $1,000 minimum deposit is required to open the bank CDs and earn the stated Annual Percentage Yield.  Bank CD interest earned is compounded monthly; the earned interest can be paid check or transferred to a bank account.

There is a penalty for early withdrawal from the CD accounts that follows the ensuing schedule: for bank CDs with maturities of 12 months and less, the early withdrawal penalty is 90 days worth of interest and for bank CDs with maturities greater than 12 months, the early withdrawal penalty is 180 days worth of interest.

Bank rates and CD rates in Florida offered by Eurobank are subject to change and additional conditions may apply to open these bank accounts.  For further information about the bank CD rates in Florida and any CD rate specials, contact a bank customer representative at (305)350 1100, (954)784-9650 or (561)750-9999.

Ohio CD Rates First Place Bank

First Place Bank is an Ohio based bank.  First Place Financial Corp. is the p[aren’t company of First Place Bank is based in Warren, Ohio and has over $3.0 billion in assets. First Place Bank offers a variety of business and retail banking products, as well as a range of insurance products and services, real estate services, and investment services.

Consumer bank products  offered by First Place Bank includes an assortment of deposit accounts, such as savings accounts, retail checking accounts, NOW accounts, money market accounts, and certificate of deposit accounts.  First Place Bank savings products can be used for a new savings plan or hold a savings cushion for unexpected expenditures or investment diversification and long term needs.

First Place Bank has savings products that can be used for immediate access or retirement funds.  The bank CDs and IRAs are convenient tools for the short term, medium term or long term investing and savings needs.  Bank representatives can help depositors choose the best savings program to meet their individual goals.

First Place Bank certificates of deposits and Individual Retirement Accounts have flexible terms and varying interest rates.  Some of the Ohio CD rates and terms offered by Fist Place Bank include:

182 day CD rate is 0.35%
12 month CD rate 1.00%
18 month bank CD rate 1.55%
24 month CD interest rate 1.65%
30 month bank rate 1.65%
36 month CD rate 1.75%
48 month bank CD rate 1.75%
60 month CD interest rate 1.75%
7 month CD rate 0.35%

The CD rates in Ohio and terms listed require a minimum opening deposit of $2,500.00.  Bank rates and CD rates offered by the bank are subject to change and additional conditional may apply.  For current CD rates, CD rates in Ohio and additional account information, a First Place Bank representative can be reached at 877-271-1122.

CD Rates in Alabama at Bank Independent

Bank Independent offers a variety of savings options in Alabama including competitive bank certificate of deposit rates.  Bank Independent is an Alabama based community bank.  The bank has been servicing businesses and consumers in North Alabama since 1947.  

Bank Independent offers several ways to manage your money through a variety of checking accounts, savings accounts, money market accounts and certificates of deposits.  Bank accounts from CDs to statement savings are insured by the Federal Deposit Insurance Corporation.

With regards the bank CDs, Bank Independent has CDs to meet short term savings or long-term investment goals.  There is a minimum opening deposit of $1,000.00 for bank CDs with maturities of less than 3 years and a $5,000.00 minimum deposit for bank CDs with terms of 3 years or longer.  CD terms range up to 60 months.  CD rates are fixed and guaranteed for the length of the term selected.

Current CD rates and terms offered by Bank Independent include:

3 month CD rate is 0.41% 
6 month bank CD rate is 1.01% 
1 year CD interest rate 1.31% 
18 month CD rate 1.61% 
2 year bank rate is 2.01% 
3 year CD interest rate 2.31%  
4 year CD rate is 2.51%
5 year bank CD rate is 3.01% 

Bank Independent also offers a high yielding money market account that offers quick access with a high yield.  With the bank money market account, account holders earn interest on a tiered rate schedule based on the account balance.  Interest earned is paid monthly.  Check transactions from the account are limited to 6 per month.  The account comes with free check images with monthly statement and the bank offers discounted rates on safe deposit boxes.

Bank rates and CD rates offered by Bank Independent are subject to change at any time.  Additional conditions may apply to open these bank accounts.  Penalties may apply for early withdrawal.  For current CD rates and additional account information, a bank representative can be reached at (866) 478-5010.

Bank Independent provides assistance through their customer service department Monday through Saturday from 8:00 a.m. until 8:00 p.m.

Wisconsin CD Rates at Tri City National Bank

Tri City National Bank is a Wisconsin based financial institution headquartered in Oak Creek, Wisconsin.  Tri City National Bank branch offices and ATMs are located throughout southeastern Wisconsin.  TriCity National Bank offers a full range of consumer and commercial banking products and services at all of its bank branches including competitive Wisconsin CD rates.

Tri City National Bank offers a wide array of deposit accounts including a variety of checking accounts with options suited for an assortment of individual banking needs, savings accounts, money market accounts, certificates of deposit with flexible terms as well as Individual Retirement Account plans.

Tri City National Bank standard bank CDs come in a range of terms and interest rates.  Bank CDs require a low minimum deposit of $500.00 with the exception of the banks special CD rate promotions which require a $2,500.00 deposit.  Current bank CD rates and terms include:

10 month special CD rate is 1.60% 
3 month bank CD rate is.10% 
6 month CD rate is .50% 
12 month CD interest rate 1.10% 
18 month CD rate 1.10% 
24 month bank CD rate is 1.25% 
30 month CD interest rate 1.25% 
36 month CD rate is 1.50% 
48 month bank CD rate 1.65%
60 month CD rate is 2.00% 

To notify bank CD account holders of upcoming maturities, approximately 30 days before the maturity date, the bank will mail a maturity notice. The notice identifies the maturity date, the CD interest rate, account balance and the interest payment at maturity.  For those account holders that wish to renew the CD, the bank CD will automatically renew with the same term at the current CD interest rates 10 days after the maturity date.

Bank rates and CD rates in Wisconsin offered by Tri City National Bank are subject to change and additional conditions may apply to open these accounts.  For current CD rates and bank account information, a bank representative can be reached at 888-874-2489.

Bank CD Rates in Texas at ViewPoint Bank

ViewPoint Bank is a community bank based in Plano, Texas.  ViewPoint Bank was founded in 1952 and operates over 20 community bank branches in the state.  Along with competitive CD rates in Texas, ViewPoint Bank provides an assortment of personal and commercial banking products and services to consumers and businesses.

ViewPoint Bank offers standard consumer bank products such as checking, savings and money market accounts, certificates of deposit, auto loans, home equity loans and mortgages.  The bank also provides commercial real estate loans, investment plans, cash management and other merchant products and services.

ViewPoint Bank has a variety of savings options available from interest bearing checking accounts to long term bank CDs.  Consumers can open a CD account with a minimum of $1,000.

Current CD rates in Texas offered by ViewPoint Bank include the following rates and terms:

3 months bank CD rate is 0.60% 
6 months CD interest rate is 0.90% 
12 months CD rate is 1.05% 
18 months bank CD rate 1.50% 
24 months CD interest rate is 2.15% 
36 months CD rate is 2.40% 
48 months bank rate is 2.50% 
60 months rate is 2.70% 

Bank CD funds are FDIC insured to the maximum allowable limit by law.  Bank rates and CD rates in Texas offered by ViewPoint Bank are subject to change until the CD is opened.  After the bank CD is opened the interest rate remains fixed until maturity.  Fees could reduce the earnings on accounts.  A penalty may be imposed for early withdrawal.

For current Texas CD rates promoted by ViewPoint Bank, a bank representative can be reached directly at 800-578-9009.

Choice Financial Almost the Best One Year CD Rate

Choice Financial continues to offer one of the best short term certificate of deposit rates available in the national market.  Choice Financial is not often listed as having one of the best CD rates available.  The bank offers a certificate of deposit rate promotion that often slips under the radar because of the odd month term on the bank CD. 

The best one year CD rate available nationally is currently at 2.00%.  Choice Financial Group has a 13 month CD that earns an interest rate of 2.05%. 

Choice Financial is a community bank in North Dakota.  Choice Financial has retail bank branch locations in North Dakota.  This CD rate offer is available nationally through their online banking channel.  The bank CD can be funded by check, ACH or wire transfer.

The bank CD is referred to as the RateBuilder account. The RateBuilder accounts include a high yield savings account as well as the CD.  Both the bank CD and savings account offers free mobile banking as well as free online banking.  Additional deposits can be made to the CD account as long as they do not exceed the initial deposit amount.
 
Choice Financial Group is based in Grafton, North Dakota and is chartered as a Federal Reserve Non-member bank.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).

The bank provides a complete array of financial services, from banking to investments to insurance.  Most of the bank services are available to consumers in their geographic market area with the exception of the RateBuilder certificates of deposit and online savings account.

The bank’s online savings accounts is a regular on the top ten highest yielding savings account list available nationwide.  The current interest rate for an amount between $25,000.00 and $99,900.00 is 1.51%.  The savings account has a 2.26% APY introductory rate for a 30 day period before reverting to a tier rate payout.

Bank rates and CD interest rates offered by Choice Financial Group are subject to change and additional conditions may apply.  For current CD rates and additional account information a Choice Financial Group representative can be reached at 877.380.3623.

MA CD Rates at South Adams Savings Bank

South Adams Savings is a mutual savings bank headquartered in Adams, Massachusetts.  The bank was founded in 1869 and has four bank locations in the region of Berkshire County including bank offices in Adams, Cheshire, Williamstown and Lee.  South Adams Savings Bank is a mutual savings bank and is a member of the FDIC insurance fund as well as the Depositors Insurance Fund.

South Adams Savings offers a full range of products and services for consumers and businesses.  Consumer bank products and services offered by the bank include mortgage loans, home equity loans, auto loans, online banking, savings accounts, free checking accounts, certificates of deposit, IRAs, money market accounts, competitive CD rates in Massachusetts and more.

Bank CDs at South Adams Savings have a variety of maturities ranging from three months to 5 years, are automatically renewed, have the option to be held in passbook or statement formats, the bank CD interest is compounded daily, all earned interest can be withdrawn any time after it is posted and additional funds may be added at the maturity of the CDs.  There is a minimum required deposit to open the bank CDs of $1,000.00.

Current CD rates in Massachusetts promoted by South Adams Savings include the following terms and interest rates:

3 month CD rate is at 1.00%
6 month CD interest rate 1.35%
12 month bank CD rate is 1.40%
18 month CD rate is 1.60%
24 month CD bank rate is 2.00%
36 month bank CD rate 2.50%
48 month CD interest rate is at 3.00%
60 month CD rate is 3.10%

The bank is also running a CD special for a short term, 7 day certificate of deposit that has a yield of 1.50% and has a slightly higher minimum deposit than the standard bank CDs of $2,500.00.

As with most bank CDs there is a penalty for early withdrawal of principal before maturity.  MA CD rates and Bank rates promoted by South Adams Savings are subject to change at the bank’s discretion and additional conditions may apply.  For timelier CD rate information as well as additional account details, South Adams Savings can be reached directly at 413-743-0040.

NY CD Rates at Ulster Savings Bank

Ulster Savings Bank is New York based bank.  The bank has been in operation since 1851.  It was the first savings bank in Ulster County, New York.  Ulster Savings Bank remains a  locally owned and operated bank. 

Ulster Savings Bank offers a wide selection of financial products and services.  Consumer retail bank services and products include certificates of deposit with competitive New York CD rates, checking accounts, savings accounts, money markets accounts, residential mortgages, home equity loans and automobile loans.  In addition, Ulster Savings Bank offers financial and investment services and tax preparation services through its subsidiary, USB Agency Tax and Financial Services and insurance products through its subsidiary, Ryan Insurance.

Bank CDs through Ulster Savings Bank not only provide competitive CD rates in New York but offer a safe haven for savers and investors.  The bank CD terms range from as short as 7 days to as long as 5 years to accommodate a wide range of financial needs and situations.  Interest earned on the bank CDs can be transferred to another account or sent by check.  The bank CD’s are also automatically renewable upon the expiration of their term

Current bank CDs and the NY CD rates obtained on these accounts include a variety of terms and options.

The following CD rates in New York promoted by Ulster Savings Bank require a $2,500.00 minimum balance to open and earn the annual percentage rate.
7 day CD rate of 0.75%
3 month bank CD rate of 1.20%
6 month CD interest rate of 1.20%
9 month CD rate of 1.45%
12 month CD interest rate of 1.45%
13 month bank CD rate of 1.55%

The following CD rates in New York promoted by Ulster Savings Bank require a $500.00 minimum balance to open and earn the annual percentage rate.
15 month bank rate of 1.70%
18 month bank CD rate of 1.75%
24 month CD rate of 2.00%
30 month CD interest rate of 2.15%
36 month CD rate of 2.40%
The four year CD rate and five year CD rate are also yielding an interest rate of 2.40%.

Bank CD rates subject to change and additional conditions may apply.  Interest rates and terms apply only to NY CD rates in Ulster, Dutchess, Greene and Orange counties in NY State.  A penalty may be imposed for early withdrawal and may reduce earnings.

The bank CD APY assumes interest will remain on deposit until maturity for accounts with terms.  All certificate of deposit accounts are fixed rate accounts. 

Ulster Savings Bank can be reached directly at 866-440-0391 for further account information as well as current CD rates and account details.

CD Rates in New York with Chemung Canal Trust

The Chemung Canal Trust Bank is a New York chartered commercial bank.  Chemung Canal Trust Bank was established in 1833 and is headquartered in Elmira, New York.
 
The bank is a full service community bank that offers commercial and consumer banking and trust services.  Chemung Financial is the parent to Chemung Canal Trust Company, the company provides bank and trust services from 20 bank offices in and around southern New York’s Chemung County. 

The bank’s services include deposit services such as savings accounts, checking accounts, money market accounts, IRAs, bank CDs with a wide selection of NY CD rates.  The bank also offers credit card services, and originates a variety of loans, including personal, small business, and residential mortgage loans.  Chemung Financial subsidiary, CFS Group, offers an array of financial services including mutual funds, full and discount brokerage services, annuity and other insurance products and tax preparation and other financial services.

The bank certificates of deposit offer a good saving option to residents in the market area served by the bank including competitive New York CD rates.  The minimum deposit amount for the bank CDs with terms under three months is $2,500.  The minimum deposit for the bank CDs with terms equal to or greater than three months is $1,000 .  Bank CD interest rates in NY offered by the bank vary based on the term selected .  There is a penalty for withdrawing funds before the term has expired .

CD rates in New York and the surrounding area offered by Chemung Canal Trust include the following rates and terms:

7-89 days CD rate 0.15%
3 month bank CD rate 0.45%
5 month CD interest rate 1.25%
6 month CD rate 0.90%
10 month bank CD rate 1.55%
12 month CD rate 1.10%
15 month bank rate 1.60%
18 month CD interest rate1.10%
24 month CD rate 1.35%
25 month bank CD rate 1.90%
30 month CD interest rate 1.35%
36 month bank CD rate 1.55%
48 month bank rate 1.60%
60 month CD interest rate 1.70%
84 month CD rate1.70%

CD rates in NY and the surrounding area offered by Chemung Canal Trust are subject to change.  Bank CD interest is compounded quarterly.  To earn annual percentage yield the bank CD account holder must have interest compounded.  CD interest rates may change at the discretion of Chemung Canal Trust Company.  For current CD rates and additional account information contact the bank at (800) 836-3711.  The bank website can be found at www.chemungcanal.com.

Nebraska CD Rates at West Gate Bank

West Gate Bank is a Nebraska based bank.  West Gate Bank is a state-chartered bank regulated by the Nebraska Department of Banking and the Federal Deposit Insurance Corporation.  West Gate Bank was established in 1968 and is headquartered in Lincoln, Nebraska.  The bank currently has eight bank branches serving the Lincoln community area.

West Gate Bank provides personal and business banking services in Nebraska.  West Gate Bank is a locally operated community bank that serves the needs of the community.  The bank offers deposit products that include free checking, interest checking, money market accounts, savings, certificates of deposit, and business deposit accounts.  The bank also provides home mortgages, construction loans, business loans, commercial real estate loans, and auto loans.  In addition, the bank provides online banking services, online bill pay, telephone banking, ATM, and credit card services.

For consumers in the area served by West Gate Bank, the bank offers very competitive CD rates in Nebraska.  The bank offer Nebraska CD rates with various terms at competitive CD interest rates that help consumers meet their investment goals and cash flow needs.  Bank customers that invest in the bank CDs are literally, lending a hand to the community since the bank reinvests 100% of the bank CD deposits in the Lincoln community.

The bank CDs are fixed interest rate accounts.  The interest rate and annual percentage yield will not change for the account term or CD maturity, unless otherwise stated.  Interest earned on the bank CDs is calculated using the daily balance method, which applies a daily periodic rate to the principal in the CD account on a daily basis. 

Current Nebraska CD rates and bank CD terms offered by West Gate Bank include:

3 month bank CD rate 0.75%
6 month CD rate 1.00%
9 month CD interest rate 1.25%
12 month CD rate 1.50%
18 month bank rate 1.75%
24 month CD interest rate 2.00%
30 month CD interest rate 2.25%
36 month CD rate 2.50%
42 month bank rate 2.75%
48 month bank CD rate 3.00%
60 month CD rate 3.25%

To earn the posted CD rates, the bank requires a $500.00 minimum deposit.   Additional deposits into the bank CDs are not permitted.

Bank CDs automatically renew.   These Nebraska CD rates are subject to change at the bank’s discretion, for current CD rates and additional account information a bank representative can be contacted at 402-434-3456.  Bank rates and CD rates in Nebraska through West Gate Bank are also available on the bank web site which can be found at www.westgatebank.com.

CD Rates in Arizona at Copper Star Bank

Copper Star Bank is an Arizona based bank.  The bank is a community bank that is based in Scottsdale.  Copper Star Bank was established to serve as a commercial bank working with the needs of small to medium-sized companies and their employees.  Copper Star Bank was founded in 2000 under its original name of Scottsdale Community Bank.  The bank now has three bank branches serving the residents and businesses in Arizona.

Copper Star Bank a full service bank that offers competitive business and personal solutions.  The bank offers personal checking, savings and investments, personal loans, ATM/check cards, telephone banking, mortgage/real estate, business checking, business loans, investments, cash management, group banking, and business ATM/check cards.

Copper Star Bank offers certificates of deposit that are available to both consumer and business clients.  Bank CD terms range from 30 days to 5 years and may be used for I.R.A. funds.  The bank CDs have a minimum opening balance requirement of $500.00.   Account holders must maintain the minimum daily balance of $500 to obtain the disclosed Arizona CD rates.

Current CD rates in Arizona promoted by Copper Star Bank include the following terms and rates:

30 day bank CD rate 0.75%
90 day CD interest rate 0.85%
180 day CD rate 1.15%
9 month CD interest rate1.60%
9 month Bump Up CD rate 2.00%
12 month CD rate 1.45%
18 month AZ CD rate 2.00%
24 month bank CD rate 2.25%
30 month CD interest rate 1.75%
36 month CD rate 1.75%
48 month CD rate 1.95%
60 month CD interest rate 2.00%

If any of the principal in the certificates of deposit is withdrawn before the maturity date, the bank may impose an early withdrawal penalty of interest.  CD rates in Arizona are subject to change and additional conditions may apply.  For current CD rates and bank rates, a Copper Star Bank representative can be reached at 480-556-6200.  Additional account information as well as AZ CD rates offered by Copper Star Bank can be found at the bank web site which is located at
www.copperstarbank.com.

MD CD Rates at Damascus Community Bank

Damascus Community Bank is a Maryland based bank.  The bank is based in Damascus, Maryland and three bank branches in Montgomery County, two bank branches in Frederick County and one bank branch in Carroll County.  Damascus Community Bank was founded in 1988 and remains a locally owned and managed community bank.

Damascus Community Bank provides individuals and businesses access to a variety of banking services and products.  The bank offers various deposit products comprising checking accounts, business checking accounts, NOW accounts, direct checking accounts, money market deposit accounts, personal checking accounts, statement savings accounts, certificates of deposit, and individual retirement accounts.

From the credit side of business, Damascus Community Bank can service a variety of credit needs from commercial loans, automobile loans, overdraft protection lines to personal loans and mortgages.

Damascus Community Bank has all types of certificates of deposit available with varying Maryland CD rates.  Interest earned on a bank CD may be paid monthly or accrued and compounded.

The minimum deposit requirement for the standard bank CDs is $1,000.00.  Damascus Community Bank offers the following bank CD terms and CD rates in Maryland:

3 month bank CD rate 0.50%
6 month CD interest rate 0.75%
1 year CD rate 1.00%
2 year CD interest rate 1.20%
3 year CD rate 1.45%
4 year bank CD rate 1.65%
5 year CD rate 1.75%

Damascus Community Bank also offers Premium bank CDs for balances of $100,000.00 and up.  These bank CDs will typically have a higher CD interest rate than the bank’s standard certificates and offer some additional special features.

Maryland CD rates offered through Damascus Community Bank are subject to change and additional conditions may apply.  For current CD rates and account information a bank representative can be reached at 301-253-1000.  Bank rates and CD rates are also available on the bank website which is located at www.damascuscommbank.com.  Interest rates and bank product information as well as bank locations and hours are also available from the bank’s automated telephone banking service which can be reached at 301-482-1322.

Virginia CD Rates at National Bank

National Bank is a community bank in Virginia that has been in business since 1891.  The bank has 25 locations throughout southwest Virginia.  National Bank is headquartered in Blacksburg, VA, the home of Virginia Tech.  The bank offers a wide array of consumer and business banking products and serves customers from a broad spectrum of socio-economic backgrounds.

The National Bank offers several types of savings plans to help its customers make the most of their money.  Savings products include: statement savings, holiday cub accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, IRA savings and Health Savings Account.  The bank offers competitive rates on all savings products including competitive VA CD rates that are based on current market conditions.

National Bank’s has flexible certificate of deposit contracts and maturity terms.  The maturity or terms on the bank CDs run from 90 days to five years.  There is a minimum deposit to obtain the CD interest rates of $2,500 on 90 day CD and $500 on all other certificate of deposit terms.  Interest earned on all certificates of deposit is compounded monthly.  The bank CD interest is paid at maturity on 90 day and 6 month terms while all other bank CD terms have the interest paid monthly.  An early withdrawal penalty applies to withdrawals made before certificate maturity.

Current CD rates in Virginia offered by National Bank including the following terms and rates:

90 day CD interest rate 0.40%
6 month CD rate 0.72%
12 month- no penalty CD rates 0.80%
12 month standard bank CD rate 1.00%
18 month CD interest rate 1.05%
24 month Virginia CD rate 1.15%
36 month VA CD rate 1.35%
48 month interest rate 1.55%
60 month CD rate 1.90%

The Virginia CD rates and annual percentage yield assumes interest remains on deposit with the certificate account until maturity.  A withdrawal of interest will reduce the stated yield and earnings.  The daily balance method is used to calculate interest earned on the bank CDs.  This method applies a daily periodic rate to the principal in the certificate each day.  The bank uses an interest accrual basis of 365 for each day in the year.  Interest begins to accrue on the first business day of the bank deposit.  If there is a redemption or withdrawal from the certificate of deposit before interest is credited, the bank CD account holder will receive the accrued interest on the amount withdrawn.

CD rates in Virginia offered by National Bank are subject to change.  Additional conditions may apply to open the bank CD accounts.  For current CD rates and additional account information the bank can be reached directly at 540-552-2011.  More bank rate data on National Bank products is available on the bank website located at www.nbbank.com.

CD Rates in MD with First Shore Federal

First Shore Federal Savings and Loan is a Maryland based bank.  The bank was founded in 1953.  First Shore Federal’s main office is located in Salisbury, Maryland with six additional bank branches in Maryland as well as one additional bank branch in Delaware.

First Shore Federal offers personal and commercial banking services.  The banking services include basic checking that is designed for consumers that want a low cost and low balance account, NOW checking accounts that are interest bearing accounts, passbook and statement savings accounts, money market accounts that earn a higher rate of interest and offers limited monthly check writing, home loans that have programs for fixed and adjustable-rate mortgages, lot and construction financing and jumbo mortgages, home equity loans and certificates of deposit.

First Shore Federal’s standard certificates of deposit (CDs) offer the security of FDIC-insurance while locking into a competitive interest rate for a term the account holder chooses.  The bank CDs have a $500 minimum opening balance.  Bank CD terms are available from 3 months to 5 years.  Bank CD interest is credited to the bank account quarterly.  Accumulated interest can be transferred and checks are available.  The bank non-retirement certificates of deposit may be pledged as collateral for a share loan.  The bank CDs automatically renew.

First Shore Federal offers a certificate of deposit called the Rising Rate CD.  This bank CD offers the option of increasing the CD interest rate once during the term to the bank’s current interest rate being offered at that time.

The bank also offers an “Add To” bank CD.  This bank CD has a $200 minimum opening balance with a one year term.  With this CD, additional deposits can be made anytime during the term.

One more bank CD is the “Freedom” CD which offers the account holder the ability to make one withdrawal of principal and interest penalty free during the term of the bank CD.

Current MD CD rates available from First Shore Federal include the following terms and CD rates:

3 – 5 month bank CD rate is 0.25%
6 – 11 month CD rate is 1.00%
One year CD rate is 1.25%
13 – 17 month CD has an interest rate of 1.25%
18 – 23 month CD yields 2.00%
24 – 29 month CD rate is 1.50%
30 – 35 month bank rate is1.70%
36 – 47 month earns an interest rate of 2.06%
47 month bank CD rate 3.10%
48 – 59 month CD earns a rate of 2.20%
50 month CD interest rate is at 2.20%
Five year CD rate is 2.50%

Bank CD rates and Maryland CD rates offered by First Shore Federal are subject to change.  For timely bank rate information contact the bank directly at 800-634-6309.  CD rates including CD rates in Maryland from First Shore Federal are also updated on the bank website located at www.firstshorefederal.com.

Illinois CD Rates at South Central Bank

South Central Bank is an Illinois based bank.  The bank was established in 1966.  South Central Bank is a community bank that started by servicing the south side of Chicago.  The bank has grown to provide a broad range of personal and commercial banking services to a wide market area.

South Central Bank customers can access accounts and information online for business or personal banking.  South Central Bank also offers a variety of lending products including home improvement financing and residential mortgages.  For home mortgage loans, consumers can apply online at South Central Bank’s home mortgage website at banksouthcentral.com.  The bank is the leading provider of HUD/FHA Title 1 home improvement financing in Illinois and adjoining states.   

South Central Bank also offers a variety of deposit and savings products including free checking accounts, interest earning checking accounts, statement savings accounts, passbook savings accounts, money market accounts and certificates of deposits with some of the highest CD rates in Illinois.

Current Illinois CD rates offered by South Central Bank with a minimum $10,000.00 include the following terms and interest rates:

6 month bank CD rate is 1.55%
12 month CD rate is1.75%
18 month CD interest rate is at 2.05%
30 month Illinois CD rate is 2.35%
36 month CD bank rate is 2.70%
48 month CD interest rate 2.85%
60 month CD rate 3.05%

Interest payment options are available on these bank CDs.  CD rates are subject at the bank’s discretion and additional conditions may apply to open these bank accounts.  Early withdrawal penalties may apply to the bank CD.  For current Illinois CD rates and additional account information, call a bank representatives at 312-491-7000.  Bank rates, including CD rates and loan rates are also available on the South Central Bank online rate board which can be found at www.banksouthcentral.com.

CD Rates in California at American Riviera Bank

American Riviera Bank is a California based bank.  The bank opened for business in 2006 and has its headquarters located in Santa Barbara, California.  American Riviera Bank is a full service community bank.  The bank offers personal and commercial banking services to customers in its market area.  American Riviera Bank provides a full range of financial products and services including California CDs and competitive California CD rates to customers including individuals, small to middle market businesses, professionals and not-for-profit organizations located in Santa Barbara and the surrounding areas.

American Riviera Bank is a state-chartered bank that is subject to regulation by the California Department of Financial Institutions and the Federal Deposit Insurance Corporation.  The bank’s deposits are insured by the FDIC up to applicable legal limits.

With the CD rates at American Riviera Bank you can put your money somewhere safe and secure, where you can earn a high rate of return, peace of mind and great CD rates in California.  Bank CDs are designed to reward depositors who want to deposit funds and leave them on deposit for a specific length of time ranging from one month to several years.

American Riviera Bank offers tiered terms on their California CDs to fit the needs of their depositors by offering higher rates for larger deposits.  California CD rate tiers are as follows:

$1,000 – $4,999.99
$5,000 – $19,999.99
$20,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $499,999.99
$500,000 +

Current CD rates offered by American Riviera Bank include the following CD interest rates on deposits of $1,000.00 or more include:

30 day CD interest rate is 0.45%
60 day bank CD rate is 0.50%
90 day CD rate is 0.65%
6 month CD rate is 0.85%
270 day bank CD rates is 1.00%
One year CD rate is 1.20%
CD rates for terms greater than one year is 1.30%

California CD rates offered by American Riviera Bank are subject to change and additional conditions may apply.  For current bank rates and account information, a bank representative can be reached at 805-965-5942.  More bank CD rates and information and information regarding more bank accounts at American Riviera Bank can be found at the bank website located at www.americanrivierabank.com.

California CD Rates at Murphy Bank

Murphy Bank is one of many FDIC insured banks in California but is not like most other California banks.  Murphy Bank was founded in 1984 and is based in Fresno, California.  The bank has just the one location in California.  Murphy Bank offers both personal and commercial banking services from that one bank office.

Murphy Bank is a true niche bank.  The bank specializes in select areas of lending and deposit gathering.  The bank focuses on small businesses and individuals and works with a limited clientele developing long term relationships. 

Some of the activities the bank engages in include equipment and small business loans for farmers and businesses.  The bank also works with mobile home owners with loans for mobile home purchases, refinance and home improvement loans.  Many of the loans originated at the bank are customized loans. 

When it comes to offering California CD rates, Murphy Bank offers CD interest rates that are often a little higher than those offered by most other banks.  The bank offers high CD rates in California often with customized terms.  The bank does not offer checking accounts.

Along with competitive California CD rates, the bank also offers the flexibility of allowing the customer to deposit their money in a CD for the exact number of days they want.  For instance, with the customized bank CDs if a customer knows they have a sum of money that they will need in exactly 5 months at Murphy Bank that customer can put their money in a CD for the full 5 months, without switching between accounts which should allow the bank CD account holder the ability to earn more interest.

Current CD rates and terms offered by Murphy Bank include the following:

3 month bank CD rate is 1.30%
6 month CD rate is 1.40%
12 month CD rate 1.50%
24 month CD interest rates 1.60%

The bank CD account holder will earn the CD rates shown only if the funds remain on deposit to maturity and no interest is withdrawn from the CD account during that period of time.  Any withdrawal of interest earned on the bank CDs will reduce earnings to less than the CD interest and APY shown.

Current CD rates are subject to change and additional account conditions may apply.  To verify current bank rates or to open a new CD accounts contact the bank at 559-225-0225.  Account information as well as limited bank rate information is also available on the bank webs site located at www.murphybank.com.

Bank CD Interest Rates at Cumberland Security Bank Kentucky

Bank CD rates are as competitive in Kentucky as they are in the more populated states.  One bank in Kentucky that offers competitive CD interest rates as long with a host of other consumer products and services is Cumberland Security Bank.

Cumberland Security Bank offers personal and commercial banking services in their four bank branches found in Pulaski County, Kentucky.  The bank is a member of the Federal Home Loan Bank of Cincinnati and the Kentucky Bankers Association.

Cumberland Security Bank operates under the oldest continuous bank charter in Pulaski County.  The bank was originally founded in 1909 under the name of First State Bank of Eubank.  In 1985, First State Bank merged with Bank of Somerset to form Cumberland Security Bank.  The bank is now based in Somerset, Kentucky.  

Along with standard consumer savings products such as money market accounts, savings accounts and interest bearing checking accounts, Cumberland Security Bank offers a broad range of certificates of deposits.  The bank CDs have various terms, ranging from sixty (60) days to sixty (60) months.  These bank CDs automatically renew at maturity.  The bank CD interest is paid until maturity of the certificate.  The accrued interest may be paid by check or deposit into a designated account.  CD interest is compounded and credited annually.

With a minimum deposit of $1,000.00, Cumberland Security Bank is offering the current CD rates and terms:

60 day CD interest rate is 0.20%
90 day CD rate is 0.40%
6 month CD rate is 1.00%
12 month bank CD interest rate is 1.20%
24 month CD earns an interest rate of 1.90%
36 month CD also yields a rate of 1.90%
48 month bank CD interest is at 1.90%
60 month CD rate is 1.90%

The annual percentage yield posted one these bank CDs assumes interest remains on deposit until maturity. A withdrawal from the account will reduce earnings.  No additional deposits may be made into these bank CD accounts.

In addition to these CD rates, Cumberland Security Bank also offers IRA CDs. 

The bank IRA CDs accrue interest that is compounded and credited semi-annually.  The contributions to the bank CD IRAs may be tax deductible and the interest income may be tax deferred.  These bank CDs also have a $1,000.00 minimum opening deposit.  Withdrawals from the account before age 59 ½ may be subject to penalty.  Current bank CD IRAs rates and terms include:
 
An 18 month fixed rate CD IRA at 1.66% 
An adjustable or variable rate 18 month CD IRA at 1.66% 

Bank CD rates are subject to change at the bank’s discretion and additional conditions may apply to open the account.  For current CD rates a bank representative can be contacted directly at 800-679-9361.  Bank rates are also available at the Cumberland Security Bank web site which can be found at www.csbweb.com.

CD Rates in California at Charter Oak Bank

Charter Oak Bank is a California based bank with headquarters located in Napa, California.  The bank was founded in 2004 and along with the Napa office has an additional bank branch in St. Helena, California.  Charter Oak Bank one of the fastest growing banks in the Napa Valley.  Charter Oak Bank is a community bank that is established to meet the needs and expectations of its customers of Napa Valley.

Charter Oak Bank offers a number of banking services in California.  The bank’s services include business accounts and consumer accounts.  Consumer accounts offered by the bank include certificates of deposits with competitive California CD rates, money market accounts, savings accounts and high-interest tiered checking account.  The bank also offers consumer loans such as lines of credit, term loans, consumer loans, and loans for construction, real estate, wineries, and vineyards.  Charter Oak Bank also offers ACH origination, remote deposit and online banking services.

Charter Oak Bank products and service are established to help the growth of local businesses and to simplify personal banking for the regions consumers. 

Charter Oak Bank certificates of deposits have a $1,000 minimum opening deposit.  California CD rates offered by Charter Oak Bank include a variety of different terms and interest rates.  Bank CD interest is compounded daily with terms of 7 days to 5 years.  Bank CD account holders can earn higher rates with higher balances and longer terms.

Current CD rates in California offered by Charter Oak with a minimum investment of $1,000.00 include:

7 days to 89 days CD interest rate is 0.50% 
3 month CD rate is 0.75% 
6 month CD interest rate 1.40% 
1 year bank CD rate 1.76% 
2 years and over bank CD rates are 2.02%
 
CD rates are subject to change without notice and additional conditions may apply.  Fees on these bank CDs could reduce earnings on accounts.  For current CD rates and account information contact the bank directly at 707.265.2000.  Additional bank rates and bank information is available on the Charter Oak Bank web site located at www.charteroakbank.com.

Texas CD Rates at Castroville State Bank

Castroville State Bank is a Texas based bank with its sole office and headquarters located in Castroville, Texas.  The bank was established in 1959.  Castroville State Bank offers customers in the Medina Valley and surrounding areas both personal and commercial banking products and services.

The bank offers several different checking account options from a no fee senior checking account to interest bearing checking accounts.  The bank offers several savings options including savings account, money market account and certificates of deposits.  Castroville State Bank also offers consumers a variety of loan programs from auto loans to mortgages to college loans.

For the customers that want a fixed term savings investment, Castroville State Bank offers competitively priced CD rates in Texas.  These Texas CD rates are obtained by opening a time deposit that locks in the invested finds for a set term or maturity.  In return for the fixed term of the investment, the yields on these bank CD accounts are generally higher than that of passbook or statement savings accounts.

In addition to offering high bank CD rates that are very competitive, Castroville State Bank CD has a distinctive feature that gives the bank CD account holder the opportunity to increase the CD interest rate twice during the term of the certificate.  The bank CD account holder is also able to make deposits to the bank CD (subject to a minimum) that have a term of two years or less.  A penalty may be imposed for early withdrawal on the bank CDs.

The Castroville State Bank CDs are available in a variety of terms so that customer can choose the maturity that best meets their lifestyle.  Current Texas CD rates and terms offered Castroville State Bank include:

For deposits of $5,000 or greater the bank has a 14 day CD rate of 1.00%.

The following Texas CD rates from Castroville State Bank require a $1,000.00 minimum deposit:

90 day CD interest rate is 1.31%
6 month CD rate is 1.51%
1 year CD earns a rate of 1.92%
18 month CD interest rate is 1.97%
2 year CD has an interest rate of 2.02%
3 year CD yields 2.27%
4 year CD interest is 2.38%
5 year CD rate is 2.53%

Bank CD rates are subject to change and additional conditions may apply to open these accounts.  For current CD rates in Texas offered by Castroville State Bank, contact their CD department at (830) 931-2201 or (830) 538-2201.  In addition, the bank CD rates and additional account information is available online at the bank website located at www.castrovillestatebank.com.

NY CD rates at Walden Savings Bank

Walden Savings Bank is a New York based bank.  The bank was first established in 1872 and is headquartered in Montgomery, New York.  Walden Savings Bank is organized as a federal chartered mutual savings bank.  The bank maintains ten full service bank branches in southeastern New York including Walden, Washingtonville, Montgomery, Cornwall-on-Hudson, Pine Bush, New Windsor, Gardiner, Scotts Corners, Circleville and Middlehope.

Walden Savings Bank offers both personal and commercial banking services with a primary objective of meeting the borrowing and deposit needs of its local customer base.  In order to meet the objective the bank provides a full range of checking, savings, and loan products.  Walden Savings Bank also provides a wide range of ancillary services such as online banking, mobile banking, banking by phone, night depository services and more.

Lending activities performed by the bank include; 1-4 family residential mortgage loans, construction multi-family, vacant land, commercial real estate, consumer loans and commercial business loans.

Along with an assortment of savings products, Walden Savings Bank has a variety of certificates of deposits with great New York CD rates.  The bank CDs have terms ranging from 3 months to 5 years.  All of the banks CDs are available as Individual Retirement Accounts as well.

A summary of the bank CDs includes; fixed CD interest rates for the term of the account, $1,000.00 minimum deposit amount, automatic renewal at maturity unless otherwise directed, CD interest accrued is compounded and credited monthly, bank CDs can be offered as a passbook account and a penalty may be imposed for early withdrawals.

Current New York CD rates and bank CD terms available from Walden Savings Bank include:

91 day CD rate is 1.25%
5 month CD has an interest rate of 2.00%
182 day CD earns a rate of 1.35%
7 month CD rate is at 1.35%
9 month CD interest rate is 1.40%
10 month CD has a rate of 2.25%
One year CD rate is 1.50%
18 month CD yields 1.80%
Two year CD rate is 2.00%
Three year CD earns a rate of 2.25%
Four year CD has an interest rate of 2.50%
Five year CD rate is 2.70%

Bank CD interest rates are subject to change and additional conditions may apply to open these CD accounts and obtain the posted NY CD rates.  For current New York CD rates contact a Walden Savings Bank representative at 845-457-7700.  Bank rates including CD rates are also updated on the bank website which can be found at www.waldensavingsbank.com.

California CD Rates at East West Bank

East West Bank is a full-service commercial bank that serves consumers and businesses throughout California.  East West Bank was chartered by the Federal Home Loan Bank Board in 1972 as the first federally chartered savings institution focused primarily on the Chinese-American community.  The bank opened its first office in the Chinatown district of Los Angeles in January 1973.

East West Bank was the second largest independent commercial bank headquartered in Southern California as of December 31, 2008, and one of the largest banks in the United States that focuses on the Chinese-American community.

East West serves its market area in California with 69 branches throughout the counties of Los Angeles, Orange, San Bernardino, Alameda, San Francisco, Santa Clara, San Mateo, and one branch location in Houston, Texas.  East West also has three international locations in Greater China, which include a full-service branch in Hong Kong and representative offices in Beijing and Shanghai.

The bank offers a variety of deposit products which includes the traditional range of personal and business checking and savings accounts, certificates of deposits with competitive California CD rates and individual retirement accounts.

East West Bank offers an assortment of CDs with great California CD rates.  The bank CDs not only provide competitive CD interest rates in California but are one of the most effective, low-risk forms of investment.  Bank CDs from East West Bank is a special type of deposit account that offers a higher rate of interest than a regular savings account.

All of the banks CDs come with a variety of features, including: the security of FDIC insurance on your funds up to $250,000, stable return on the investment, term choices from 32 days to 5 years and automatic renewal.

A sample of the current California CD rates offered by East West Bank with a minimum investment of $1,000.00 includes:

3 month CD rate of 1.00%
6 month CD rate is 1.25%
9 month CD rate of 1.40%
1 year CD rate of 1.58%
18 month CD rate of 1.90%

CD rates in California offered buy East West Bank are subject to change.  Additional conditions may apply to open these bank CD accounts.  For current CA CD rates and account details contact a bank representative at 888-895-5650.  Select bank rates are also posted online at the bank website located at www.eastwestbank.com.  For auto loan rates offered by East West Bank visit www.selectautorates.com or visit www.findlocalmortgagerates.com to see the bank’s current mortgage rates.

Florida CD Rates at Wakulla Bank

Wakulla Bank is a community based in Crawfordville, FL.  The bank primarily serves the communities of  Wakulla, Leon, Calhoun, and Liberty Counties.  Wakulla Bank was founded in 1974 and remains a locally owned independent bank with twelve bank branch locations.

Wakulla Bank savings products includes money market accounts, certificates of deposit, savings accounts, NOW accounts and CD IRA’s.

Wakulla Bank offers certificate of deposit with great Florida CD rates and terms ranging from three months to two years.  The bank certificates of deposit offer flexibility, value and security as well as great CD rates in Florida.  The short term CDs can be started with as little as $5,000 while the long CD rates require a $5,000.00 deposit.  

3 month CD rate is at 0.70% with a minimum balance of $500.00 to obtain that CD rate in Florida.
6 month CD rate is 1.20% with a required minimum deposit to open of $1,000.00 
1 year CD rate is 2.04% and has a minimum requirement of $1,000.00 to reach that Florida CD rate.
2 year CD has an interest rate of 2.19% and a minimum balance to open $5,000.00
 
The bank also offer an 18 months IRA CD with a minimum balance $250.00 and an interest rate of 2.27%.

Bank rates are subject to change and additional conditions may apply.  For current Florida CD rates from Wakulla Bank the bank can be contacted directly to have one of their personal bankers help open a bank CD and review the terms that work best based on the depositors money and schedule.  Further CD rate information is available on the bank website located at www.wakullabank.com.

The bank also offers its customer’s a 24-hour convenience line for accessing bank account and balance information, transaction details for a current statement, or to transfer money from one bank account to another.  That number to contact is at 850-216-2722.  The main bank phone number for account details and CD interest rate information is 850-926-71111.

New Resource Bank California CD Rates

New Resource Bank is a commercial bank based in San Francisco, California.  New Resource Bank is an FDIC insured bank which offers broad banking services to personal, business and non-profit clients.  The bank was established in 2006 to provide personalized services generally associated with community banking along with the convenience and security of a large bank.

New Resource Bank foundation has a bit of twist from standard banking objectives.  One of the goals of the bank is to serve the rising interest among consumers and businesses in products and services with green values and resource sensitive interests.

New Resource Bank has taken a position of focusing on the needs of sustainably-minded businesses.  The bank was set up by leading environmental entrepreneurs along with seasoned banking executives to accomplish this objective.  New Resource Bank works on financing efficient and sustainable enterprises while establishing a high standard of customer service.

New Resource Bank takes a tailored style of banking to serve entrepreneurial clients and to develop new green lending solutions and bank credit products.  Part of the banks focus is to also provide individual customers personalized service, attractive bank rates, banking convenience and a viable way to support their community through every day actions.  New Resource Bank savings and investment products help customers easily and securely achieve financial objectives while providing capital for lending to the green community.

As an example of the New Resource Bank resource friendly products is the Solar CDs.  These bank CDs have competitive California CD rates and are designed to raise funds that can be used for solar projects but provide funding that better matches the term lending for these projects.

Solar CDs are for deposits between $25,000 and $250,000.  The California CD rates on this product are as follows:

One year CD rate is 1.41%
Two year CD rate is 1.82%

For standard bank CD interest rates and California CD rates, New Resource Bank offers the following CD terms for deposits in the amount of $2,500.00:

1 month CD has an interest rate of 0.15%
3 month CD earns a rate of 0.35% 
6 month CD rate is 0.55% 
One year CD rate is 1.31% 
18 month CD has an interest rate of 1.51% 
2 year CD rate is 1.71% 
3 year CD yield is 1.82% 
4 year CD has a rate of 2.17% 
5 year CD rate is 2.28%

The banks CDs for the product are limited by funds dedicated to solar project lending.  Solar CDs are automatically renewed upon maturity unless otherwise selected by depositor at the current California CD rate for that product.  Early withdrawal penalties may apply.

Bank CD interest rates are subject to change; consult the bank directly for current California CD rates at 415-995-8100.  Bank rates, CD rates and additional account information are also available on the bank web site which is located at www.newresourcebank.com.

CD Interest Rates at Domestic Bank

Domestic Bank was founded in 1967 and is based in Cranston, Rhode Island.  The bank provides a full line of services to businesses and consumers, borrowers and savers.  Domestic Bank has nine bank branches from Cranston, Rhode Island to Northbridge, Massachusetts.

Domestic Bank product offerings include a variety of checking and savings accounts, mortgages, lending programs, and business services.  Domestic Bank offers service that are not found at all banks including banking 24 hours a day, 7 days a week, with extended and weekend hours at the bank branches, as well as telephone and online banking services.

The company also provides auto loans, debt consolidation loans, new home construction loans, FHA home improvement loans, business loans, commercial real estate loans, SBA loans and business banking services.

Domestic Bank certificates of deposit come with standard banking FDIC Insurance, fixed terms and consistently above market CD interest rates.  Obtaining a guaranteed interest on the money invested over certain amount of time is the benefit provided by the bank CD and the CD interest rates.  Domestic bank is now offering the following CD terms and CD rates.

3 month CD rate is offered at 0.75% APY
The 6 month CD has a rate of 1.00% APY
1 year CD rate is 1.00% APY
18 month CD has a rate of 1.25% APY
2 year CD offers a rate of 1.50% APY
3 year CD contains a rate of 1.75% APY
4 year CD sets a rate of 2.00% APY
5 year CD rate is 2.25% APY

CD rates and the Annual Percentage Yields are subject to change without notice.  CD interest rates are effective as of 8/18/09.  There is a substantial penalty for early withdrawal from the bank CDs.  For current interest rates and CD rates, the bank may be contacted at 1-800-556-6600.  The bank website also posts current CD rates and account information and can be visited with the following URL: www.domesticbank.com.

Maryland CD Rates with Harford Bank

Harford Bank was established as a national bank as of 1964.  Harford Bank was originally named Aberdeen National Bank.  The bank is a Maryland chartered bank with its principal office in Aberdeen, Harford County, Maryland.  Harford Bank now has seven bank branches in Harford County, Maryland and neighboring counties.  The bank draws most of its customer deposits and conducts most of its lending transactions from within its primary service area.

Harford Bank offers commercial and retail banking services for individuals, businesses, and governmental agencies.  The bank offers a full range of deposit services that are typically offered by most banks, savings and loan associations, and credit unions.  The bank deposit products include checking accounts, savings accounts, interest bearing checking accounts, individual retirement accounts, certificates of deposit, money market accounts along with competitive Maryland CD rates.

Harford Bank has a variety of CD rates in Maryland on a variety of bank CD terms.  Current CD rates in Maryland offered by the bank includes:

The 6 month CD that has a rate of 1.55% APY
The 9 month CD with a rate of 1.65% APY
The one year CD rate is 1.75% APY
The 15 month CD earns a rate of 1.85% APY
The 23 month Step-Up CD rate is 2.15% APY
 The 48 month Step-Up CD has a rate of 2.30% APY
 
Consumers who invest in the bank’s Step-Up CDs have the option of changing the interest rate one time during each term.  The new CD interest rate paid will be the rate in effect at Harford Bank for Step-up CD accounts on the date the customer exercises the option.  If Harford Bank no longer offers Step-up CD accounts, the new bank CD interest rate will be the interest rate offered for comparable regular certificates of deposit.

These Maryland CD rates and Annual Percentage Yields are accurate and effective as of the date shown on this page.  The bank rates are subject to change at the bank’s discretion and additional bank CD account conditions may apply.  For timely CD rate information, contact bank’s Aberdeen branch main office at 410-272-5000.  The Harford Bank website has current CD rate information and additional account data and may be visited with the following URL: www.harfordbank.com.

Continental National Bank’s South Florida CD Rates

Continental National Bank was established in 1974 as Miami’s first Cuban-American owned national bank.  This South Florida bank was formed by a group of exiled Cubans with the intention of serving the Florida consumer and business banking market and the Cuban community.  Continental National Bank of Miami has grown from its original location to six bank branches located throughout Dade County in Florida.  The bank has now been at the heart of the Miami Community for 35 years.

The banks offers a full range of personal and business products and services from online banking and full ATM service to a complete array of real estate lending services for consumers and small builders.  Continental National Bank goes out of its ay to provide superior services to the community by providing quick turnaround on loan requests, providing account balances by telephone and extending lobby hours on Fridays and weekends as well as offering good South Florida CD rates.  Continental National Bank of Miami also offers expanded financial services t

Continental National Bank of Miami offers a wide range of consumer deposit accounts tailored to meet individual needs.  Along with checking accounts, savings accounts, money market accounts and IRAs the bank offers certificates of deposit.  The bank CDs require a minimum of only $500.00 to open.  The bank CDs can be opened with a fixed interest for a period of thirty days up to as long as five years.  Interest on the CDs is payable monthly, quarterly or at maturity.

Continental National Bank is presently offering the following bank CD terms and CD rates:

7 days CD rate is 0.250%  
30 days also earns a rate of 0.250%  
60 days CD has an interest rate of 0.250%  
90 days CD yields 1.000% 
6 month CD rate is 1.250%  
1 year CD rate is 1.500%  
2 year CD rate is 1.600%  
2 1/2 year CD earns a rate of 2.500%  
5 year CD rate is also at 2.500% with a 2.53% APY 
1 year IRA CD rate is 2.000%  

Bank CD rates are subject to change and penalty for early withdrawal.  For current bank rates and additional account information about these South Florida CD rates, the bank can be contacted at 305-642-2440.  Continental National Bank of Miami’s website also has more information on CD rates and deposit accounts, the bank web address is   www.continentalbank.com.

Espírito Santo Bank, South Florida CD Rates

Espírito Santo Bank is a Florida chartered bank headquartered in Miami.  The bank is a wholly owned subsidiary of Banco Espírito Santo, Portugal.  Espírito Santo Bank offers private banking services and wholesale commercial banking services to domestic and international individuals, institutions and corporate clients and happens to have some great South Florida CD rates as well.

Internationally, Banco Espírito Santo Group is present in Angola, Brazil, Cape Verde Islands, China, Spain and the USA through small operational subsidiaries.  The parent company has further banking and private banking interests in Switzerland through Banque Privée Espírito Santo, in France though Banque Espírito Santo et de la Vénétie and in Dubai through ES Bankers (Dubai).

The bank offers deposit products, including checking accounts, money market accounts, certificates of deposit and NOW accounts.  The company’s credit and lending programs include residential mortgages, commercial loans, and export credit loans.  The bank’s private banking services also handles indiviual wealth management.

Espírito Santo Bank offers some unusual South Florida CD rates and bank CD products.  One such product is the bank’s dollar/Euro bank CD.  The bank CD account holder can pick the currency for the bank CD.  The CD offers competitive South Florida CD rates for maturities ranging from 9 months to 36 months.  These bank CDs allow the account holder to obtain a competitive South Florida CD rate invested in Euros while keeping the same advantages and FDUIC protection when investing in dollars.

The current CD rates and CD terms available on this product include.
For CD rates in U.S dollars:

9 month CD rate of 2.27%
1 year CD rate of 2.37%
2 year CD rate of 2.42%
3 year CD rate of 2.27%

For CD rates in Euros:

9 month CD rate of 3.49%
1 year CD rate of 3.49%
 
These CD accounts require a minimum balance of $50,000.00.  Bank rates are subject to change at the bank’s discretion.  For current South Florida CD rates and more details about this bank product call the bank directly at 305-755-0404.  The bank website which is located at www.esbf.com also holds account information, bank CD product information and Florida bank CD rates.

South Florida CD Rates at Royal Palm Bank

Royal Palm Bank of Florida is a full service community bank that has three locations in southwest Florida including Naples, Marco Island and South Fort Myers.  The bank is relatively young, starting out in 2001.  The bank offers financial products for personal banking, commercial banking as well as  a variety of electronic banking services and competitively priced Florida CD rates.

The Royal Palm Bank of Florida personal banking services and financial banking solutions include personal checking accounts, interest checking accounts, senior checking accounts, money market accounts, savings accounts, certificates of deposit and more.

The bank’s automated telephone and Internet banking service allows customers to view accounts and checks, pay bills, transfer funds between accounts, and access other bank information easily and quickly.
 
The bank also offers a variety of lending programs for businesses and consumers.  Lending services include; residential mortgage loans, construction loans, lot loans, home equity loans, car and boat loans and real estate based commercial and business loan programs.

Customers at Royal Palm Bank of Florida can earn fixed and secure returns on their investments with bank CDs.  These bank CDs offer great Florida CD rates with excellent earnings potential under the umbrella of FDIC insurance.  With a minimum opening deposit of $500.00, Royal Palm Bank is offering the following Florida CD bank rates and products:
 
A 7 to 89 days CD rate is 0.75%
A 90 to 179 days CD rate is 1.10%
A 180 to 364 days CD rate is 1.25%
A 12 through 17 months CD rate is 1.75%
A 18 through 23 months CD rate is 1.80%
A 24 through 35 months CD rate is 2.25%
A 36 through 47 months CD rate is 2.50%
A 48 through 59 months CD rate is 2.75%
A 60 months CD rate is 2.75%
 
 Bank CD interest rates from the Royal Palm Bank of Florida are subject to change.  Additional conditions may apply to open the bank CDs.  For current south Florida CD rates, bank rates and account information contact the bank directly at 239-593-5522.  CD rates as well other bank rates and account information can be found at the bank website, www.royalpalmbank.com.

In 2006, Royal Palm Bank became part of the Mercantile Bancorp group of community banks.  Mercantile Bancorp, Inc. is a bank holding company based in Quincy, Illinois with majority owned subsidiaries in three banks in Illinois, three banks in Missouri and one bank in each of Kansas and Florida, where they conduct full-service commercial and consumer banking business, engage in mortgage banking, trust services and asset management, and provides other financial services and products.  In addition, Mercantile Bancorp has minority investments in 10 community banks in Missouri, Georgia, Florida, North Carolina, Colorado, California and Tennessee.

Virginia CD Rates at EVB Bank

EVB Bank is an independent, full-service community bank located in Tappahannock, VA.  The bank provides a wide range of financial products and services for personal and business banking including competitive Virginia CD rates.  The bank offers standard retail bank services and products such as checking accounts and savings accounts, money market accounts, CDs, IRAs, and online banking.  The bank has 25 bank branch locations to serve customers in the Eastern Virginia area.
 
For investors and savers that are searching for the best CD rates in Virginia or alternatively looking for high-yield money market rates and savings accounts rates with an FDIC insured account, EVB Bank has many options to choose from.

With a minimum opening deposit of $1,000.00 EVB is currently providing the following bank CD terms and CD rates in Virginia:

A 90-364 day Virginia CD rate is 1.25% APY.
Nine month penalty free CD rate in Virginia is 1.25%
A one year CD rate is 1.50% APY.
A one year Virginia CD rate that is penalty free is at 1.35%.
A 13-23 month CD rate is 1.75% APY.
A two year CD rate is 1.75% APY.
A three year CD rate is 2.00% APY.
A four CD rate is 2.25% APY.
And a 5 year CD rate in Virginia is 2.50% APY.
 
Bank CD rates in Virginia are subject to change.  Additional conditions may apply to open the bank CD accounts and obtain these VA CD rates.  For current CD rates and account information contact the bank directly at (804) 443-4333.  Bank rates, CD rates, account information and other disclosures can be found at the bank website, www.bankevb.com.

EVB Bank is headquartered in Tappahannock which is located in Essex County, Virginia.  Essex County is in Virginia’s Middle Peninsula.  The bank’s 25 retail bank branches that offer these high yield Virginia CD rates are located in several counties including; Caroline, Essex, Gloucester, Hanover, Henrico, King William, Lancaster, Middlesex, New Kent, Northumberland, Southampton, Surry and Sussex and the City of Colonial Heights.  The parent company`s stock trades on the NASDAQ Global Market System under the symbol EVBS.

Texas CD Rates at Blanco National Bank in TX

The Blanco National Bank was established in 1906.  The bank is based in Blanco, Texas with additional bank branches in Fredericksburg, Spring Branch and Wimberley.  Blanco National Bank is a community bank that has approximately $145 million in assets.

The Blanco National Bank offers personal and commercial banking services.  The bank offers a full range of services to meet its customers banking needs including checking accounts, savings accounts, certificates of deposit, Individual Retirement Accounts, personal loans, mortgage loans and more.

Bank certificate of deposit accounts are some of the most popular investment accounts.  The bank CDs offer a variety of fixed maturity periods with attractive CD rates in Texas.

Blanco National Bank Texas CD rates are available with a minimum balance of $1,000.00.  Texas CD rates through Blanco National Bank for jumbo CDs are available with a minimum balance of $100,000.00.

For these Texas CD rates, the interest rate you earn is based on the length of time the funds remain on deposit in the bank CD.  Current Texas CD rates and bank CD terms available from Blanco National Bank include:

30-90 day CD rate is 0.60% 
91-181 day CD earns a rate of 0.80% 
182-364 day CD has an interest rate of 1.25% 
1 year CD rate is 1.60% 
2 year CD has an interest rate of 1.70% 
3 year CD earns a rate of 1.75% 
4 year CD yields 1.80% 
5 year CD rate is 2.05% 

Blanco National Bank also offers Flex bank CDs.  These bank CDs allow for unlimited deposits in amounts of $500.00.  The bank is presently offering the following Texas CD rates and CD terms for this product.

6 month CD rate is 1.20% 
1 year CD rate 1.45% 
18 month CD yields 1.60%  

With all bank products and bank accounts, fees could reduce earnings, penalties may be imposed with early withdrawal.  Bank rates and CD rates in Texas are subject to change at the bank’s discretion prior to opening the account.  For current CD rates and up to date rates on Texas CDs call a bank representative directly at 830-833-4538.  Texas CD rates and additional bank and account information is also available on the bank website located at www.blanconationalbank.com.

Texas CD Rates at Westbound Bank

Westbound Bank opened in January 2007 and is headquartered in Katy, TX.  Westbound Bank is a locally owned and operated bank.  Along with the main office in Katy which is West of Houston, the bank has branches in Bellaire and in Northwest Houston.

Westbound Bank’s banking products and customer service combine state-of-the-art electronic banking including ATMs with image reading technology, novel lending programs, high interest rates on a variety of savings products, and personal attention that comes with community banking.  As a community bank, Westbound offers a broad range of banking products for both consumers and businesses whether they are large or small with personalized attention on all accounts.

An example of the attention to detail that comes from the community banking philosophy of Westbound Bank is that each customer is assigned a personal banker.   The Westbound personal banker is established to assist both the business customer and consumer and stays in contact with the customer regarding bank programs that will be beneficial for their business and their personal finances.

Westbound Bank’s CDs offer high interest rate with terms from 30 days to 5 years.  The bank CDs which have competitive Texas CD rates will not change for the term of the account.  CD interest rates vary according to the term of the account. 

The bank not only offers competitive CD rates in Texas but offers flexible interest payment options which includes check by mail, automatic deposit into a checking or savings account, or added it to the bank CD’s principal balance.  The bank provides free online banking to view the bank CD account.  The bank CDs have a $1,000 minimum to open.

Consumers served by Westbound Bank can lock in a high interest CD with these Texas CD rates from 30 days to 5 years.

30 day CD rate is 0.50% 
60 day CD rate is also at 0.50% 
90 day CD rate is 1.00% 
180 day CD earns an interest rate of 1.08%
12 month CD rate is 1.60% 
18 month CD has an interest rate of 1.71% 
24 month CD rate is at 1.86%
30 month CD yields 2.12%
36 month CD rate is 2.22% 
48 month CD earns a rate of 2.63%
60 month CD rate is 2.85% 

Bank rates are applicable as of this date and may change at the bank’s discretion prior to opening the bank CD accounts.  The bank CDs will automatically renew.  For current CD rates and account information the bank can be reached at 713-554-7615.  Bank rates and CD rates in Texas are also updated on the bank website which is located at www.westboundbank.com.

California CD Rates at Savings Bank of Mendocino County

Savings Bank of Mendocino County is a California based bank.  The bank was founded in 1903 and is based in Ukiah.  The bank offers personal and commercial banking services in the region.  California Saving Bank of Mendocino County has 9 bank branches through out California.
 
Since its inception in 1903, the Savings Bank has been serving the financial needs of Mendocino County residents with an abundance of consumer savings products including competitively priced California CD rates.  Whether you want a checking or savings account or consumer loan products such as a personal loan or mortgage Savings Bank of Mendocino County may be able to help.

During difficult economic times the best CD rates can provide investors and savers  with an investment they can count on.  Savings Bank of Mendocino County offers California CD rates that offer that level of security and safety during these turbulent periods.

With a minimum opening balance of $2,500.00 Savings Bank of Mendocino County is currently offering the following California CD rates and products:

A 32 thru 91 day CD rate is 0.30% APY.
A 92 thru 182 day CD rate is 0.40% APY.
And a 183 thru 364 day CD rate is 0.85% APY.

With a minimum opening balance of $500.00 Savings Bank of Mendocino County is currently offering the following longer term California CD rates:

A 12 to 24 month CD rate is 0.95% APY.
A 24 to 36 month CD rate is 1.36% APY.
A 36 to 60 month CD rate is 1.61% APY.
And a 60 month maximum CD rate is 1.86% APY.

With a higher minimum opening balance of $10,000.00 Savings Bank of Mendocino County is now offering the following CD rates in California:

A 32 thru 91 day CD rate is 0.55% APY.
A 92 thru 182 day CD rate is 0.65% APY.
A 183 thru 364 day CD rate is 1.10% APY.
A 12 to 24 month CD rate is 1.21% APY.
A 24 to 36 month CD rate is 1.61% APY.
A 36 to 60 month CD rate is 1.86% APY.
And a 60 month maximum CD rate is 2.12% APY.
 
The CD rate annual percentage yield assumes interest remains on deposit until maturity, a withdrawal will reduce earnings.  The daily balance on the bank CD accounts is the amount of principal in the account each day.

CA CD rates are fixed for the term of CDs or IRAs.  Bank CD rates are subject to change prior to opening the CD account.  Additional conditions may apply on these accounts.  For current CD rates, bank rates and account information contact the bank directly at 707- 462-6613.  California CD rates, account information and other disclosures can be found at the bank website, www.savingsbank.com.

CD Rates in NY at First Niagara Bank

First Niagara was founded as a community bank more than 139 years ago in Lockport, N.Y.  First Niagara Bank is a community oriented bank providing financial services to individuals, families and businesses.  The bank provides personal and commercial banking, investment, and insurance products to customers in New York. 

First Niagara Bank is active in 21 counties, with a workforce of 2,000 and 113 branches that span across New York State.  In the last five years the bank has tripled in size, adding new markets, services and sources of income. 
 
The company offers a variety of savings and investment services primarily through their banking centers and its subsidiaries in New York.  The bank also serves customers through telephone and online banking.  Consumer services cover everything from borrowing and saving money to managing your finances more easily and conveniently to achieving long-term goals.

New York residents can obtain a great NY CD rate and get more out of their money with a First Niagara CD.  The bank CDs allow investors and savers to lock in a competitive, guaranteed interest rate for any term available from the bank and backed by the protection of FDIC insurance.  Bank CD terms can be chosen that meet your needs, from 7 days to 10 years.  Bank CD interest earned on the account can be withdrawn at any time or simply kept in the bank CD account.

A First Niagara bank CD can be used to fund an Individual Retirement Account (IRA).  With the bank’s 18 month IRA CD, bank CD account holders can make additional deposits at any time to help investors reach retirement savings goal even quicker.

With a minimum opening deposit of $500.00 First Niagara Bank is currently offering the following promotional relationship CD rates in New York and CD products:

An eleven month CD rate in New York is 0.80% APY.
And a twenty-five month CD rate in New York is 1.70% APY.
 
The bank’s promotional relationship New York CDs and CD rates are available to individual and business customers with a $500,000 maximum deposit that have an active checking account.

For additional CD rates in New York, with a minimum opening balance of $5,000.00 First Niagara Bank is also currently offering a thirty month eCD.  This 30 month CD has an interest rate of 1.70% APY.  Bank customers can open an eCD online and receive this CD rate any time from the convenience of their home computer.

Bank interest rates and NY CD rates offered by the bank are subject to change.  Additional bank CD account conditions may apply.  For current CD rates and account information contact the bank directly at 800-421-0004.  Bank rates, CD rates, account information and other disclosures can be found at the bank website, www.fnfg.com.

Bank CDs at Investar Bank Louisiana

Investar Bank is a full service community bank headquartered in Baton Rouge, Louisiana.  Investar Bank was founded in 2006.  The bank offers a full array of banking products and services for individuals, professionals and small and medium-sized businesses.

Investar Bank products and services includes personal and commercial banking services for mortgages, construction loans, home equity loans, auto loans, boat loans and overdraft lines of credit.  The bank also offers personal and business online banking, automatic loan payment, depository and money order transferring as well as certificates of deposit, checking accounts, money market accounts and savings accounts.

Investar Bank is a locally owned financial institution.  The bank competes on the basis of quality and variety of its services and products and being locally owned and controlled allows the bank to serve customers more efficiently and effectively. 

Our promotional reviews rarely provide insight into a banks operation; these reviews are here to provide general CD rate information and bank data.  However, in contacting Investar Bank to review their savings rates and CD rates, a representative of the bank quickly responded to two early morning email requests from our firm for information on various products.  That sounds simple enough, but our staff could go on and on about how many banks they email using the banks contact information and either never receive a reply, receive replies hours and days after the request and our favorite – wait several hours then send an email to call the bank.  Why email if we wanted to call.  So, A+ for customer service at Investar Bank and thumbs down to all the banks that don’t respond to email information requests. 

Special Friday note – Investar Bank is reviewed by a large competitor regarding the high rate savings account the bank offers.  The bank does have one of the best savings account rates available, but the account is not available to out of state residents and this is not clarified or discussed in this national money publication.  As publisher, it gives me great pleasure to know our rates and data are simply the best in the marketplace and we provide this data with a small staff that obtains data on much more than just savings and CD rates. 

Investar Bank offers competitive rates on a number of savings vehicles including some of the best certificates of deposit rates and individual retirement accounts in the region.  The bank CDs require a $1,000 minimum deposit to open the account.  The bank CDs pay accrued interest monthly.  All bank CDs have a penalty for early withdrawal.  The bank certificates of deposits are offered in terms of 1 month, 2 months, 3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 30 months, 36 months and 60 months.  The bank also offers IRA certificates of deposits that have terms of 12 months, 24 months, 36 months and 60 months.

Current bank CD rates offered include:

6 month CD rate of 1.45%
1 year CD rate of 2.05%
18 month CD rate of 2.30%
2 year CD rate of 2.55%

In addition, the bank has a promotional 3 year CD at 2.55% that requires a $5,000.00 minimum deposit that allows the CD account holder to raise the CD rate twice during the term.  During the original term the account holder may adjust the CD rate two times to Investar Bank’s current rate for the same term as the existing CD.

The bank’s savings account starts at 1.75% for balances between 0 and $2,500.00.  The savings account rate goes up to 1.89% for balances between $2,500.00 and $25,000.00.  The savings account rate increases again to 1.94% for balances in excess of $25,000.00.  The minimum deposit for the savings account is $200.00, the Annual Percentage Yield is effective 08/04/09 and subject to change.

Bank CD rates and savings rates subject to change at the bank’s discretion.  Bank rates are current as of this publication.  For current CD rates, savings rates and other bank rates at Investar Bank, call the bank directly at 225-757-7117.  Bank rates, CD rates and additional account information are also provided on the bank web site which can be found at www.investarbank.com.

Pennsylvania CD Rates at NOVA Bank

NOVA Bank operates as a Pennsylvania state-chartered savings bank.  The bank provides a wide range of financial products and services to the greater Philadelphia region.  The bank has a full-array of financial products and services to the communities in which it operates in, as well as, providing services to business in addition to financial planning and wealth management services.  NOVA Bank has operated as a community banking institution for more than 120 years.

The bank offers checking and savings accounts, money market accounts, certificates of deposit as well as residential and consumer loans, online banking and special services like overdraft protection and direct deposit. 

For those investors and consumers that want fixed interest rates on their funds, NOVA Bank has a healthy selection of CD terms with aggressive CD rates in Pennsylvania.  The bank has competitive Pennsylvania CD rates available for as short as 3 months and up to 5 years.

Current PA CD rates offered by the bank include:

3 month CD earns a rate of 1.00%
6 month CD rate is 1.10%
9 month CD has an interest rate of 1.50%
1 year CD rate is 2.00%
18 month CD yields 2.05%
2 year CD rate is 2.15%
3 year CD has an interest rate of 2.30%
4 year CD earns a rate of 2.60%
5 year CD rate is 2.90%

For those consumers and investors that want the combined value of deposits in a savings account, high interest rates with limited check writing capabilities, NOVA Bank offers a money market account with high yield.

Current money market rates include the following balance levels and interest rates:

Under $10,000 balance interest rate is .75%
Money market balances between $10,000 – $24,999 has an interest rate of 1.00%
Balances of $25,000 – $49,999 yields 1.15%
Balances between $50,000 – $99,999 have a rate of 1.20%
Money market rate for balances that reach $100,000 – $249,999 is 1.50% 

Bank rates are subject to change at any time.  Minimum balance to open and obtain the stated CD rates and APY is $500.00.  Fees could reduce earnings on bank CDs.  There is a substantial penalty for early withdrawal from the bank CDs.  For current CD rates in Pennsylvania from NOVA Bank call the bank directly at 877.482.2650.  CD rates, money market rates and additional bank account information is also available at the NOVA Bank web site which is located at www.novabank.com.

StellarOne Bank VA CD Rates

StellarOne Bank is one of the largest independent, commercial banks headquartered in the state of Virginia. StellarOne Bank is a traditional community bank, offering a full range of business and consumer banking services, including trust and wealth management services and competitive Virginia CD rates.  The bank operates 60 full service bank branch locations, one loan production office, and 80 no fee ATMs serving the New River Valley, Roanoke Valley, Shenandoah Valley, and Central and North Central Virginia.

The bank has more than $3 billion in assets and offers personal, business, and commercial banking services including checking, savings, bank CDs and money market accounts along with wealth management services.  The bank’s lending activities include commercial and business financing and consumer home, auto, home equity, unsecured, personal loans and credit card services.  The bank also offers Internet banking access for banking services, and online bill payment for both consumers and commercial customers

StellarOne offers competitive interest rates on all of their checking, savings, CD and money market accounts.  The bank has flexible terms to choose from, and will help schedule your maturities to balance potential market interest rate changes and have cash available when you need it.

StellarOne Bank is currently offering the following Virginia CD rates and bank CD products.

The bank has two promotional CD rate programs that require a checking account relatioship  with StellarOne.  The first promotional Virginia CD rate is for a 7 month CD with a $5,000.00 minimum deposit that has yields a rate of 1.75%.  The second promotional Virginia CD rate is on a 17 month CD that has a minimum deposit of $5,000.00 and yields 2.05%.

Standard Virginia CD rates and bank CD terms include:

91 Day No Penalty CD with a rate of 0.50% and a minimum $1,000.00 deposit.

The following Virginia CD rates and bank CD terms require a $500.00 minimum deposit.

2 year Penalty Free CD with an interest rate of 0.75%  
1 – 5 month CD rate of 0.50%  
6 – 11 month CD rate 0.75%  
12 – 23 month CD rate 1.00%  
24 – 35 month CD rate 1.25%  
36 – 59 month CD rate 1.50%  
5 year CD rate of 1.75%  

Bank CD rates are subject to change and may require additional conditions.  To obtain current Virginia CD rates or for more information about any of their bank accounts call the bank at 888.785.5271.  Current CD rates and account information are also available online at the bank website located at www.stellarone.com.

CA CD Rates at Far East National Bank

Far East National Bank is a federally chartered bank that provides personal and business banking services.  The bank offers checking accounts, savings accounts, and certificate of deposit accounts, as well as mortgage, home equity, and credit loans for individuals.  The bank was founded in 1974 and is based in Los Angeles, California.

Far East National Bank was the first federally chartered Asian American bank in the United States.  Far East National Bank has over 300 employees and total assets exceeding $2.05 billion.  Corporate and individual banking services are provided through a total of 13 bank branches in Los Angeles, Orange County, San Francisco, and Oakland, along with an overseas Beijing Representative Office, and a branch in Ho Chi Minh City, Vietnam.

The bank became a wholly-owned subsidiary of Taiwan’s Bank SinoPac in 1997.  SinoPac Holdings has total assets of approximately $34 billion, serving more than 2.5 million customers throughout Asia and North America from over 220 service locations.  Through SinoPac Holdings’ financial network in the Pacific Rim, Far East National Bank provides its customers with a financial service platform to help integrate their personal and business interests in the United States, Taiwan, China, Hong Kong, Macau, and Vietnam.

Throughout the entire SinoPac financial services umbrella, the bank provides a wide array of financial services, which encompass commercial real estate lending, corporate banking, investments, treasury and foreign exchange, small business loans, mortgages, and other consumer businesses.

Certificate of deposits offered by the bank provide a savings vehicle that features fixed rates and terms.  The bank CDs can be valuable savings vehicles with flexible CA CD rates and terms that can be based on an individual’s goal.

Far East National Bank offers a plethora of bank CD terms and CA CD rates to choose from.  Current CD rates in California that require an initial $1000.00 deposit include the following:

15 day CD rate is 0.20%
30 day CD has an interest rate of 0.35%
60 day CD earns a rate of 0.60%
90 day CD rate is 1.20%
180 day CD yields a rate of 1.35%
1 year CD rate is 1.53%
18 month CD has an interest rate of 1.80%
2 year CD rate is 2.00%
3 year CD earns a rate of 2.40%
4 year CD has a rate of 2.50%
5 year CD rate is also set at 2.50%

The bank also offers a special bank CD that is a flexible CD that allows an interest rate bump, additional deposits, and a one-time withdrawal without penalty.  This bank CD has a one year term, requires a $10,000.00 minimum deposit and has a CD rate of 1.20%.

Annual percentage yields (APYs) on CA CD rates are effective of today’s date and are subject to change at any time without notice by the bank.  Check with a local Far East National Bank branch for the most current available CA CD rates or call 866-336-2872.  For additional terms and conditions that apply to a bank CD account and the bank CD rates, refer to the bank’s deposit agreement and fee schedule for that account.  California CD rates and other bank account product information is also available on the bank website located at www.fareastnationalbank.com.

New York CD Rates with Bank Of Utica

Bank of Utica was founded in 1927 and is based in Utica, New York and is a locally owned and operated commercial bank.  Bank of Utica has been serving the Mohawk Valley for over 80 years with great New York CD rates, consumer products and personal service.  The bank offers both personal and commercial banking services in the region.

Bank of Utica offers a variety of products and services designed to meet everyday personal banking needs.  The bank has several deposit account, personal loan options, mortgages or home equity loans intended to meet a variety of needs.  For consumers living in the region that are looking for an short term and long term investments, they can put their hard earned money to work with one of Bank of Utica’s deposit accounts with rates considerably higher than other banks in the area.

Bank of Utica offers a number high yielding New York CD rates for investors and savers residing in the bank’s market area.  NY CD rates and products include the following:

1 month up to 3 month CD rate is 0.50% with a minimum $10,000.00 investment. 
3 months up to 6 month CD rate is at 0.75% with a minimum $5,000.00 investment.
6 months up to 1 year CD rate is 1.00% with a minimum $2,500.00 investment.

With a low minimum investment of $500.00,the bank is offering the following NY CD rates:

1 year up to 2 year CD rate yields 1.50%.
2 years up to 3 year CD interest rate is 1.75%.
3 years up to 4 year CD has an interest rate of 2.00%.
4 years up to 5 year CD rate is 2.35%.
5 year CD rate is 2.75%.

The bank CD rates in New York are based on the certificates of deposit or CD contract that requires the investor keep a specified amount of money on deposit at the bank for a specified period of time.  Bank of Utica usually offers top interest rates on its bank CD’s, but it is expected that the account holder keep the bank CD until its maturity.  If there is an early withdrawal of principal, including partial withdrawals, made there are penalties based on the remaining term of the bank CD as follows:

One year bank CD term or less the early withdrawal penalty to be paid is three months interest.  Over one year through two year bank CD term the penalty is six months interest.  Over two years through three years bank CDs have a penalty of nine months interest.  Over three years through four years bank CDs penalty is twelve months interest.  Over four years through five years bank CDs have an early withdrawal penalty of fifteen months interest.

If there is not sufficient interest accrued on the bank CD out of which to pay the early withdrawal penalty, the difference would be taken out of the principal of the bank CD account.

Bank CD rates in New York are subject to change at anytime prior to opening the account.  For current bank rates and NY CD rates or for more information about any of the products or services Bank of Utica offers contact a local Bank of Utica representative at 800-442-1028.  CD rates in New York offered by the bank as well as other bank rates are also available at www.bankofutica.com.

VA CD Rates at Bank of the James

Bank of the James opened its doors in 1999 and was organized under the laws of the Commonwealth of Virginia to engage in retail and commercial banking business.  Bank of the James is a locally owned community bank and serves individuals, small and medium sized businesses and professionals in central Virginia.  The Bank’s services include personal, business and online banking, loans, investments as well as CD rates in Virginia.  Bank of the James is a wholly owned subsidiary of Bank of the James Financial Group, Inc.

The bank currently operates nine full service locations as well as mortgage origination offices in Forest and Moneta, Virginia.  BOTJ Investment Group, Inc., also a wholly owned subsidiary of Bank of the James Financial Group, Inc. operates one investment services office within the Bank’s Church Street office.  Bank of the James also offers insurance services and products through its wholly owned subsidiary, BOTJ Insurance, Inc.

Bank of the James offers a variety of consumer savings and lending products including great VA CD rates.  The bank has products to meet the needs of individuals that may be looking for their first savings account, borrowing for home improvement, or investing for retirement or a child’s education.

The bank is offering the following VA CD rates and certificate of deposit products in Virginia with a minimum investment of $500.00.

3 month CD rate is at 0.75%
6 month CD rate is 1.25%
9 month CD has a rate of 1.50%
1 year CD rate is 1.75%
15 month CD has an interest rate of 1.75%
2 year CD rate is 2.00%
30 month CD earns a rate of 2.05%
3 year CD yields a rate of 2.10%
4 year CD has an interest rate of 2.10%
5 year CD rate is 3.25%

The bank also offers VA CD rates on a some special CD products including a one year CD with no penalty that has an initial minimum investment of $1,000.00 and yields 1.50% as well as an 18 month one time bump up CD with an interest rate of 2.00%.

The VA CD rates and product information printed is intended to represent the products and bank rates at the time of printing.  The bank’s rules and regulations and interest and fee schedules currently in effect take precedence over any information herein.

The CD interest rates and annual percentage yields may change before account opening.  Virginia CD rates and annual percentage yields are current as of July 28, 2009.  For current Virginia CD rate information call the bank directly at 434-846-2000.  Bank rates and current CD rates are also available on the bank website located at www.bankofthejames.com.

1st Colonial National Bank CD Rates NJ

1st Colonial National Bank is a full service bank that provides commercial and consumer financial services to businesses and individuals within southern New Jersey and surrounding areas.  The bank’s main office is located in Collingswood, New Jersey. 1st Colonial National Bank offers a variety of core consumer products.

1st Colonial National Bank deposit services include business and individual demand and time deposit accounts, NOW accounts, money market accounts, individual retirement accounts, and holiday accounts. The bank also offers competitive loan rates and personal attention to your needs.  Loan products include home equity loans, home equity lines of credit, car loans and personal loans.

1st Colonial National Bank offer statement savings and certificate of deposit accounts so for those customers searching for high yield bank accounts.  The bank also offers NOW checking accounts and money market accounts for consumers searching for high rates of return that want easy access to their funds so you can write checks while they earn interest on their money.  For retirement accounts, the bank has competitive rates on IRA certificates of deposit so you can grow your retirement nest egg.

1st Colonial National Bank has great bank CD rates NJ on all of their bank CD terms.  Current bank CD rates NJ and terms include the following:

7-90 day CD rate is 1.51%
6 month CD earns a rate of 2.01%
One year CD rate is 2.00%
18 month CD has an interest rate of 2.00%
Two year CD rate is 2.00%
30 month bank CD rate NJ is 2.00%
Three year CD yields a rate of 2.00%
Four year bank CD rate NJ is also 2.00%

Bank CD rates are subject at the bank’s discretion prior to opening the account.  For timely bank CD rates NJ contact the bank directly at 856-858-1100.  Bank rates, bank CD rates along with other account information are also available online at the banks website, www.1stcolonial.com.

CA CD Rates at Home Bank of California

Home Bank of California is a California bank headquartered in San Diego.  Home Bank was first established as a California state chartered thrift in 1981.  The bank has since changed status and has become FDIC insured in 1985 and is chartered as a Federal Reserve non-member bank.  Home Bank of California has two bank branches, the main office in San Diego and an additional branch in Oceanside.

Home Bank of California offers a number of savings options, investment opportunities and financial services.  Savings options include statement savings accounts that have a low minimum balance and competitive rates.  The bank has a Super Money Fund Accounts that also offers great variable rates.  The bank also offers several checking account options to meet a range of financial needs.

Home Bank of California offers a large selection of certificates of deposits with competitive CA CD rates.  Bank customers can choose from 1-2 months, 3-5 months, all the way up to 5 year terms on the bank CDs.

Home Bank of California has the following bank CD terms and CA CD rates available at this time.  The CA CD rates are based on a minimum deposit of $2,500.00.
     
3-5 month CD rate is 1.36% 
6-8 month CD earns a rate of 1.41% 
9-11 month CD has an interest rate of 1.46%  
12-17 month CD rate is also at 1.46% 
18-23 month CD yields a rate of 1.51%  
24-35 month CD rate is 2.02%    
36-47 month CD has an interest rate of 2.33%    
48-59 month earns a rate of 2.53%    
5 year CD rate is 2.99%   

Higher CA CD rates are available for deposits above $10,000.00.  Certificate of deposit interest is compounded daily and paid monthly.  CA CD rates subject to change without notice prior to opening the bank CD account.  There may be a substantial penalty for early withdrawal from the bank CDs.  For current bank rates and CA CD rates from Home Bank of California call a bank representative directly at 858-270-5881.  Bank rates, CD rates and current CA CD rates are also available on the bank website located at www.homebankofcalifornia.com.

CA CD Rates at First Mountain Bank

First Mountain Bank is a full service community bank serving the communities of San Bernardino County, California.  First Mountain Bank provides its customers with a range of products and services, including real estate construction financing, commercial real estate and home loans, consumer loans, and business lines of credit, along with checking and savings products.

The bank has four bank branch offices serving the Big Bear and high desert areas of
Southern California.  It has two offices in Big Bear Lake; and one office each in Running Springs and Lucerne Valley.  The company was founded in 1981 and is headquartered in Big Bear Lake, California.  First Mountain Bank is a subsidiary of First Mountain Bancorp.

First Mountain Bank has a broad array of savings options including completive CA CD rates.  Savings programs with First Mountain Bank include; regular savings accounts, premium savings accounts, and money market accounts that are available to individuals and businesses.  Each of these accounts allows the account holder the ability to earn a competitive interest rate while maintaining access to your funds.

For those consumers searching for higher rates and CA CD rates the bank offers high yielding certificates of deposit.  Earn a guaranteed rate of return with a certificate of deposit.  Any of the bank’s certificates of deposit may be opened as a retirement account as well.  Bank CD maturities or terms range from 3-60 months.  The minimum opening deposit for the bank CDs is $1,000.  The interest earned on these bank CDs are based on a fixed interest rate for the term of the CD.  CD interest earned is compounded and credited monthly.

CD terms and CA CD rates available from First Mountain Bank include:

3 month CD interest rate is 0.85%
6 month CD rate is 1.25%
7 month CD earns a rate of 1.01% this bank CD account requires a $25,000 deposit
9 month CD rate is 1.15%
11 month CD has an interest rate of 1.65%
1 year CD rate is 1.65%
18 month CD yields a rate of 1.50%
2 year CD rate is 1.50%
3 year CD earns a rate of 1.50%
4 year CD has a rate of 1.50%
5 year CD rate is 1.50%

Offered CA CD rates are subject to change without notice.  For current bank rates including CD rates available in California call a bank representative at 909-866-5861.  Current CD rates and account information is also available on the bank website, the bank web address is www.firstmountainbank.com.

CD Rates Maryland at Chesapeake Bank of Maryland

Chesapeake Bank of Maryland is based in Baltimore, Maryland and has been serving this market area since 1911.  Chesapeake Bank of Maryland has bank branch offices located in Parkville, Patterson Park, Arbutus, Pasadena and Bel Air.

Chesapeake Bank of Maryland has historically conducted traditional banking operations as a community bank accepting deposits from the local community and investing the deposits primarily in real estate loans.  The bank offers competitive checking and savings products as well as a variety of financing opportunities including consumer, mortgage and business loans.

Chesapeake Bank of Maryland’s investment and savings options cover consumer’s needs for both short term goals and long term plans.  Chesapeake Bank of Maryland’s savings options includes savings accounts, money market accounts and certificates of deposit.  The banks certificates of deposit require an opening balance of $1000 to open the account and obtain the posted CD rates Maryland.  Bank CD terms run from 3 months up to 5 years. 

For those savers looking for great CD rates Maryland and maximum flexibility with a fixed rate guarantee, the bank has an option available.  Chesapeake Bank of Maryland offers a product called a FREE and EASY CD.  The FREE and EASY CD requires a minimum balance of only $5000.  The bank guarantees the CD rate of interest for 12 months, and the bank CD account holder can withdraw from their account at any time without penalty.

Current CD rates Maryland from Chesapeake Bank of Maryland include the following terms and CD rates:

6 month CD rate is 1.00% 
One year CD rate is 1.40% 
18 month CD earns a rate of 1.65% 
Two year CD rate is 1.75% 
Three year CD yields a rate of 2.00% 
Four year CD has an interest rate of 2.25% 
Five year CD rate is 2.50% 

Bank rates and CD rates are subject to change at the bank’s discretion.  For current CD rates Maryland from Chesapeake Bank of Maryland a bank representative can be reached at 410-66-1141.  CD rates Maryland and other bank rates are also available on the bank website at www.chesapeakebank.com.

CD Rates New York with Carver Federal Savings Bank

Carver Federal Savings Bank is a federally chartered savings bank that offers consumer and business banking products and services in New York.  The bank is headquartered in Harlem, and operates nine full-service bank branches in the New York City boroughs of Brooklyn, Manhattan and Queens.

Carver Bank is the largest African-American operated bank in the United States.  The bank remains dedicated to expanding wealth enhancing opportunities in the communities it serves by increasing access to capital and financial advice for consumers, businesses and non-profit organizations, including faith-based institutions.

Carver Federal engages in a wide range of consumer and commercial banking services.  Carver Federal provides deposit products including demand, savings accounts and certificates of deposit for consumers, businesses, and governmental and quasi-governmental agencies in its local market area within New York City.  In addition to deposit products, Carver Federal offers a number of other consumer and commercial banking products and services, including debit cards, online banking including online bill pay, and telephone banking.

Along with great CD rates New York, Carver Federal Savings Bank offers several savings options.  The bank offers a variety of savings options with competitive rates including accounts with variable interest rates that are accessible daily and offer the security of FDIC insurance.

The bank’s money market accounts pay competitive interest while providing access to your funds anytime.  For investors that maintain higher balances, you receive a higher premium interest rate, comparable to many bank CD rates , with the convenience of a checking account.

For consumers who don’t need immediate access to their money, and want it to grow at a guaranteed interest rate, choose a term ranging from three months to five years for a certificate of deposit.  Regardless of the term chosen, CD rates New York with Carver Federal Savings bank are all competitively priced.

Current CD rates New York with Carver Federal include the following:

91 day CD ( for new money only) has an interest rate of 0.50%
182 day CD rate is 1.00%
12 month CD rate is 1.25%
18 month CD has an interest rate of 1.50%
24 month CD rate is 2.00%
30 month CD earns a rate of 2.25%
36 month CD rate is 2.50%
48 month CD yields a rate of 2.50%
5 year CD rate is 2.50%
CD rates New York for jumbo amounts ( over $100,000 ) is available as well.  To obtain jumbo CD rates New York contact the bank directly.

Bank CD rates are subject to change prior to opening the account.  For certificates of deposit and CD rates New York a penalty may be applied for withdrawals prior to the maturity date.  For further bank rates, CD rates and account details, contact a customer service representative at your nearest Carver Federal Savings Bank branch, call (718) 230-2900. Bank rates and current CD rates New York are available on the bank website located at www.carverbank.com.

CD Rates Virginia at Chesapeake Bank

Chesapeake Bank was founded in 1900.  The bank provides innovative, personal service to individuals and businesses in Virginia, serving a market in the eastern region of the State between the Potomac and James Rivers.  The Bank is a Virginia State-Chartered Bank and also is a Federal Reserve and FDIC member bank.

Chesapeake Bank operates eleven bank branches in the Northern Neck and Middle Peninsula: Kilmarnock, Lively and Irvington on the Northern Neck; Mathews, Hayes and Gloucester on the Middle Peninsula; and four branches in Williamsburg.

For those consumers looking for either short savings or long term savings options including  CD rates Virginia , Chesapeake Bank has a variety of investment alternatives that may be right for you.  The bank certificates of deposit require an opening balance of $1000.  Bank CD terms ranging from 30 days up to 5 years are available. 

Current Virginia CD rates and terms available from Chesapeake Bank include the following:

30 day CD rate .55%
90 day CD rate 1.15%
182 day CD rate 1.30%
1 year CD rate 1.55%
13 month CD rate 1.70%
18 month CD rate 1.65%
19 month CD rate 2.00%
2 year CD rate 1.75%
3 year CD rate 1.85%
5 year CD rate 2.85%

Bank CD rates subject to change without notice.  For timely bank rate and CD rate information contact the bank directly at 804-435-1181.  Current CD rates and other bank rates are available on the bank website located at www.chesbank.com.

Bank CD Rates NJ with Liberty Bell Bank

Liberty Bell Bank is a New Jersey state chartered commercial bank which was incorporated in 2002 and commenced operations in August 2003.  The bank serves businesses and individuals and provides competitive bank CD rates in NJ from three branches in Cherry Hill, Evesham, and Moorestown, New Jersey.

Liberty Bell Bank offers traditional retail deposit products including checking, savings, and money market accounts, as well as certificates of deposit.  The company’s lending activities mainly consist of commercial mortgages and one- to four-family residential mortgages and business loans.

In a recent press release the Chairman of the Board for the bank stated Bill Dunkelberg stated, “We continue to have reasonable loan demand and opportunities to approve good quality loans that are supported by corresponding growth in our core branch deposits.  As compared to many, we are fortunate to date to have not experienced material loan problems.” he also added, “The banking industry, especially the large regional and money center banks continue to struggle with loan difficulties, but like most community banks, our general risk profile has generally kept our loan issues comparatively low.”

Liberty Bell Bank certificates of deposit have a $500 minimum balance to earn the NJ CD rates posted.  These bank CDs have competitive interest rates with terms from six months to five years.

This rate chart contains the current information about the bank CD rates in NJ and annual percentage yields for some of the accounts that Liberty Bell Bank offers.

5 year CD rate is at 2.53%
4 year CD rate is 2.53%
42 month CD interest rate is 2.38%
3 year CD rate is also 2.38%
30 month CD rate is 2.33%
2 year CD rate is 2.28%
21 month CD earns a rate of 2.17%
18 month CD rate stands at 2.17%
13 month CD interest rate is 2.02%
One year CD rate is 2.02%
9 month CD rate is 1.77%
6 month CD rate is also at 1.77%

Bank CD rates subject to change without notice.  Penalty for early withdrawal from bank CD accounts.  For current NJ CD rates and account information a bank representative can be reached at 856-489-8401.  More bank rates and CD rates NJ can be found on the bank website located at www.libertybellbank.com.

NJ CD Rates with PGB

Peapack-Gladstone Bank is based in Gladstone, New Jersey and provides individual and business banking services in the region.  Peapack-Gladstone Bank is a $1.4 billion asset, wholly owned community bank that offers a full range of banking products and services through 23 full-service branches, an online branch and a Trust division, PGB Trust & Investments. 

Peapack-Gladstone Bank offers traditional personal banking as well as commercial lending and business products for large corporations and small businesses alike and has been providing banking services since 1921.

Peapack-Gladstone Bank offers some of the best personal checking, savings products, CD rates in New Jersey and support services.  The bank has a variety of certificates of deposit for consumers who want to manage their money when they are able to set aside funds for a period of time.  The bank has several terms to choose, from 7 days to 5 years with great CD rates in NJ.

Current NJ CD rates and terms with a low minimum $500.00 deposit include the following:

91 day CD rate of 0.75%
182 day CD rate is 1.00%
11 month CD interest rate is 1.20%
1 year CD rate is 1.25%
14 month CD has an interest rate of 1.30%
18 Month CD earns a rate of 1.40%
2 year CD rate is 1.75%
60 month CD rate is 3.30%

The bank also offers an 18 month BUMP UP CD with an interest rate of 1.20%

The Bump Up CD allows the account holder one rate increase during the term, the bank CD holder has the one-time option of bumping up the CD rate – without extending the term.

Bank CD APYs are subject to change without notice.  A penalty may be imposed on the bank CDs for early withdrawal.  For current CD rates and account information a bank representative can be reached at 908-234-0700.  Bank rates and CD rates for NJ are also posted on the bank website at www.pgbank.com.

CD Rates in California with Borrego Springs Bank

Borrego Springs Bank is a full service commercial bank headquartered in Borrego Springs, California.  The bank is a minority owned federally chartered, financial institution.  Borrego Springs Bank is the first Native American-owned bank in California.

In addition to traditional banking services, Borrego Springs Bank also features banking products specifically designed to meet the needs of Native American tribes.  Borrego Springs Bank traditional deposit services comprise certificates of deposit, checking accounts, direct deposit, NOW accounts, money market accounts, savings accounts, and more.

Borrego Springs Bank certificates of deposit are ideal investment vehicles for individuals saving for retirement, that special vacation or any other savings objective.  The bank certificates of deposit offerings can meet a variety of needs with an assortment of CD rates in California and terms.  Interest on the bank CDs can be credited to another account or credited back to the certificate account monthly, quarterly or at maturity.

Borrego Springs Bank is offering the following CA CD rates and CD terms for bank CD account balances of $2,500.00 to $9,999.00.

30 to 179 day CD rates is 0.50% 
180 to 364 day CD interest rate is 1.00% 
12 months to 17 months CD rate 1.25% 
18 months to 23 months CD rate is also set at 1.25% 
24 months to 29 months CD rate is 1.45% 
30 months to 36 months CD interest rate is 1.40% 
37 months to 60 months rate is 2.00% 

The bank is also offering the following CA CD rates and CD terms for bank CD account balances of $10,000.00 to $99,999.00.

30 to 179 day CD rates is 0.55% 
180 to 364 day CD interest rate is 1.05% 
12 months to 17 months CD rate 1.30% 
18 months to 23 months CD rate is also set at 1.30% 
24 months to 29 months CD rate is 1.50% 
30 months to 36 months CD interest rate is 1.45% 
37 months to 60 months rate is 2.05%

Bank CA CD rates current as of July 13, 2009, the bank CD Annual Percentage Yield (APY) and interest rates may change at any time.  Bank CD APY’s are the total amount of interest paid on an account based upon interest rate and compounding method for a 365 day period calculated per Federal Regulation DD.  For current CD rates and bank rate information contact a Borrego Springs Bank representative at 760-767-5414.  Bank rates and CD rates in California are also posted on the bank website located at www.borregospringsbank.com.

Ohio CD Rates at Greenville National Bank


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Greenville National Bank is a locally owned Greenville, Ohio bank which was organized in 1934.  The bank has eight bank branch locations all located in Darke County, Ohio.  Greenville National Bank offers several savings options to meet savers specific needs including statement savings accounts, money market accounts and certificates of deposits.

The term of maturity on the bank CDs can range from seven days to seventy-eight months.  The CD interest earned on the accounts can be paid monthly, quarterly, semi-annually, annually, at maturity of the certificate by check, compounded to face, or deposited into another bank account.

Greenville National Bank offers a range of CD terms and Ohio CD rates.  Current CD rates and term offered by Greenville National Bank include the following:

7 – 89 day CD rate is 0.25% 
90 day CD rate is 0.80% 
91 – 364 day CD rate is 0.95% 
5 month CD rate is 0.95% 
8 month CD rate is 1.10% 
9 month CD rate is 1.10% 
11 month CD rate is 1.25% 
1 year CD rate is 1.25% 
16 month CD rate is 2.20% 
18 month CD rate is 1.45% 
21 month CD rate is 1.75% 
2 year CD rate is 2.00% 
30 month CD rate is 2.15% 
33 month CD rate is 2.15% 
3 year CD rate is 2.25% 
4 year CD rate is 3.05% 
5 year CD rate is 2.50% 
78 month CD rate is 2.50%

Bank CD rates are subject to change prior to opening the account.  For timely CD rates and bank CD account information a bank representative can be reached directly at 937-548-1114.  Greenville National Bank bank rates including CD rates are also posted on the bank website which is located at www.greenvillenationalbank.com.

CD Rates at Sugar River Bank

Sugar River Bank is headquartered in Newport, NH.  The bank has been in business for over 100 years, opening its doors in 1895.  The bank has four additional bank branches in Grantham, New London, Sunapee and Warner.  Sugar River Bank provides consumers a number of transaction account options, deposit options and loan options all with very competitive interest rates.

As part of the savings options available at the bank, Sugar River Bank has a variety of certificate of deposit investment choices to meet investors and individual savings needs.  Investors can select certificate of deposit terms from six months to five years.  These CDs have competitive CD rates and low minimum balance requirements. 

CD interest is not compounded on the bank CDs less than 1 year in term.  Over 1 year term bank CDs have interest compounded monthly.  Monthly interest earned on the bank CDs may be transferred to any statement account at the bank.  Interest earned on the bank CDs is available by check on CD’s with balances in excess of $10,000.00.

Sugar River Bank is currently promoting the following CD rates and CD terms with minimum deposits of $500.00:

6 month CD rate is 1.21% 
1 year CD rate is 1.70% 
2 year CD rate is 2.15% 
3 year CD interest rate is 2.89% 
4 year CD has an interest rate of 3.05% 
5 year CD rate is 3.30% 
30 month CD rate special of 2.15% 
30 month CD rate on balances of $15,000.00 or greater is 2.15% 

The bank also offers a range of certificates of deposits for retirement accounts.  CD rates and CD terms for retirement accounts include the following:

18 month variable CD with a minimum deposit of $10.00 and a CD rate of 1.05% 
1 year CD with a minimum deposit of $100.00 has a CD rate of 1.74% 
2 year CD with an interest rate of 2.21% with a $500 minimum deposit
3 year CD yields 3.05% with a $500 minimum deposit
4 year CD rate of 3.05% with a $500 minimum deposit
5 year CD rate is 3.30% with a $500 minimum deposit

Bank rates are subject to change prior to opening the CD account.  For current CD rates and bank account information contact the bank directly at 800-562-3145.  Additional bank rates, bank CD rates and account information can be found at the bank website located at www.sugarriverbank.com

Mortgage rate information on Sugar River Bank can be found at www.findlocalmortgagerates.com

California CD Rates at Golden State Bank

Golden State Bank previously known as Golden State Business Bank is a state chartered commercial banking institution in California.  The bank opened its doors in 2003.  Golden State Bank has two bank branch locations in fast growing San Bernardino and Orange County.  Golden State Bank provides banking products and services in California that includes checking and savings accounts, certificates of deposit, money market accounts, credit cards as well as debit/ATM cards. 

The bank’s primary lending focus is on small to medium sized businesses.  The bank specializes in residential and commercial real estate construction and mini-perm lending, and offers a full array of consumer loans as well.

Personal savings accounts at Golden State Business Bank include competitively priced certificates of deposits.  The bank’s California CD rates are available with a minimum deposit of $2,500.00.

Golden State Business Bank is currently offering the following CD rates in California.

30 day CD rate of .4500%
90 day CD interest is 0.94%
180 day CD has an interest rate of 1.16%
270 days CD also yields 1.16%
12 month CD rate is 1.66%
18 month CD rate also stands at 1.66%
24 month CD rate is 2.17%
36 month has an interest rate of 2.17%

The Golden State Bank has a low minimum balance savings account that can be opened with as little as $200.00 and has an interest rate of 0.75%.  Golden State Bank also offers a high yield money market with a minimum opening deposit of $25,000.00.  The interest rate earned on this account starts at 1.16%.  For the savings account, and money market accounts interest rate may change after account is opened.  

The bank CD rates are current as of July 8, 2009 but are subject to change at the bank’s discretion.  For current California CD rates from Golden State Business Bank the bank can be reached directly at 909-981-8000.  The bank website which is located at www.goldenstatebusinessbank.com also provides current bank rate information, CD rates in California as well as additional bank account resources.

CD Rates California with Universal Bank

Universal Bank is a California bank headquartered in West Covina, California.  The bank offers personal and commercial banking services that include a full range of financial services such as real estate investment loans, home loans, small business loans, money market accounts, certificates of deposits and other investment depository accounts.

Universal Bank was founded in 1954.  Universal Bank’s has bank branches in Rosemead, Monterey Park, West Covina, Arcadia, Los Angeles and Orange, California.  The bank is dedicated to serving the local communities and is both stable and financially sound.
 
Universal Bank has a variety of savings accounts to meet individual’s personal financial needs and are offered at competitive rates.  Universal Bank’s CDs have a variety of rates and terms to choose from.  Customers decide the amount to invest the bank CDs and the length of the term will determine individual’s ultimate CD rate.  The interest on these California bank CD accounts compounds daily.

With a balance of $1,000.00 to $9,999.99 Universal Bank is currently offering the following CD products CD rates in California.

A thirty day CD rate is 0.80% APY.
A sixty day CD rate is 0.90% APY.
A three month CD rate is 1.10% APY.
A six month CD rate is 1.10% APY.
A one year CD rate is 1.45% APY.
A two year CD rate is 1.50% APY.
And a three year CD rate is 1.60% APY.
 
Bank CD interest rates are subject to change at the bank’s discretion prior to opening the account.  Additional conditions for these CD accounts may apply.  For current CD rates and account information contact the bank directly at (626) 854-2818.  Bank rates, CD rates, account information and other disclosures can be found at the bank website located at www.universalbank.com.

Bank CD Rates at Dutton State Bank

Dutton State Bank was founded in 1960 and is based in Dutton, Montana.  The bank offers both personal and commercial banking services from the Dutton main office as well as a bank branch in White Sulphur Springs.  The bank serves the communities of Dutton and White Sulphur Springs and the surrounding areas as their local community bank.  Dutton State Bank remains locally owned and has built up to approximately $23,487,000 in assets. 

Dutton State Bank offers consumers several checking account options for personal, business and organizations as well as free checking accounts for senior citizens, students, military personnel and non-profit organizations.  The bank also offers savings accounts, money market accounts and certificates of deposit as well as a host of other bank products for consumers in the geographic region served. 

Certificates of deposits are available with the bank in various time frames from 3 months to 3 years on balances above $500.

Dutton State Bank current CD promotions and CD rates include the following:

3 month CD rate 1.05% 
3 month CD rate for balances of $100,000 and larger is 1.31%
6 month CD rate is 1.41% 
6 month CD rate for balances in excess of $100,000 is 1.66% 
1 year CD rate is 1.81% 
1 year CD rate for amounts greater than $100,000 is 2.07% 
18 month CD rate is 1.86% 
18 month CD rate for $100,000 plus balances is 2.12% 
2 year CD rate is 2.27% 
2 year CD rate on balances of $100,000 and larger is 2.52% 
3 year CD rate is 2.52% 
3 year CD rate for balances of $100,000 and above is 2.78% 

Bank CD rates are subject to change.  A Dutton State Bank representative can be reached at (406) 476-3462 for current CD rates and additional bank account information.  Bank rates and CD rates are also posted on the Dutton State Bank website which is located at www.duttonstatebank.com.

Florida CD Rates at Platinum Bank

Platinum Bank is a Florida bank that was established in December 1997.  The bank is headquartered in Brandon, Florida with branches in Lakeland, Tampa, Plant City, and Winter Haven, Florida.  The bank’s primary market area consists principally of Hillsborough and Polk counties and the surrounding areas.

Platinum Bank’s business strategy is to cater to consumers, professionals, small businesses, developers and commercial real estate investors by offering quality, personalized financial services which have become less available due to consolidation in the banking industry.

Platinum Bank offers a variety of savings products and transaction accounts for consumers including CDs for Florida residents.  The bank CDs have a minimum deposit and balance of $1000.00.  Bank CD interest earned is compounded daily and paid, at the option of the customer, to credit to an account at Platinum Bank, capitalized to the existing bank CD, or paid by check on CD’s of $5,000.00 or greater.  Platinum Bank is currently offering the following Florida CD rates and Florida CD products:

A one month CD rate is 1.00% APY.
A three month CD rate is 1.25% APY.
A six month CD rate is 1.50% APY.
A one year CD rate is 1.75% APY.
A two year CD rate is 2.00% APY.
A three year CD rate is 2.75% APY.
And a five year CD rate is 3.50% APY.

The CD rates and annual percentage yield assumes minimum balance maintained for full the CD term.  Bank CD interest rates are subject to change.  Additional CD account conditions may apply.  For current Platinum Bank of Florida CD rates and account information contact the bank directly at 813-655-1234.  CD rates in Florida, bank rates, account information and other disclosures can be found at the bank website, www.platinumbank.com.

CD Rates New York with Rondout Savings Bank

Rondout Savings Bank is a New York bank that offers personal and commercial banking services.  Rondout Savings Bank has been producing strong earnings, maintaining a solid capital base and engaging in sound loan decision making for more than 140 years. 

Rondout Savings Bank was founded in 1868 and is based in Kingston, New York.  The bank has grown to own four bank branches in Kingston, NY and one branch in West Hurley, NY.  Rondout Savings Bank offers a variety of savings options combined with free online banking that allows account holders to control when and where they can access their accounts. 

Rondout Savings Bank certificate of deposit accounts are a safe and secure way of earning higher interest rates on funds that customers can set aside.  Terms for bank CDs range from 3 months to 5 years.  Customers can open a bank CD account for as little as $500, a $2,500 deposit is required for the 3 month term.  Bank CD account holders can choose that earned interest can be transferred to another account, issued as a check or remain in the bank CD.

With a minimum opening balance of $2,500.00 Rondout Savings Bank is currently offering a three month CD that earns a rate of 1.40% APY.

With a minimum opening balance of $500.00 Rondout Savings Bank offers the following CD products and CD rates in New York:

A six month CD rate is 1.50% APY.
A twelve month CD rate is 1.60% APY.
An eighteen month CD rate is 1.70% APY.
A twenty-four month CD rate is 2.00% APY.
A thirty six month CD rate is 2.30% APY.
A forty-eight CD rate is 2.55% APY.
And a sixty month CD rate is 3.00% APY.

All bank CDs have interest compounded daily and credited monthly.

The above New York CD interest rates are subject to change.  Additional CD account conditions may apply.  For current CD rates and account information the bank can be contacted directly at 845-331-0073.  Bank rates, CD rates, account information and other disclosures can be found at the bank website located at, www.rondoutbank.com.

Florida CD Rates with Alarion Bank

Alarion Bank is a Florida bank that provides a number of financial products and services for consumers along with competitively priced certificates of deposit.  Alarion Bank is headquartered in Ocala, Florida.  The bank has branches in Ocala, Gainesville, and Alachua, Florida.  Alarion Bank offers diverse products and services that range from simple checking accounts and savings accounts to sophisticated financial services.

Florida bank CD investors looking for a short, medium or longer term investments can find an assortment of options with Alarion Bank CDs.  The bank CDs provide a high level of earnings on terms ranging from a few months to five years.

The bank is currently offering the following CD products and CD rates with a minimum opening balance of $1,000.00:

A six month CD rate is 1.50%
A nine month CD rate is 1.65%
A one year CD rate is 1.80%
A thirteen month CD rate is 1.85
A three year CD rate is 2.50%
A five year CD rate is 3.00% 

Bank CD interest rates are subject to change at the bank’s discretion prior to opening the account.  Additional conditions may apply for opening these bank CDs.  For current CD rates and account information contact the bank directly at 352-237-4500.  Savings rates, bank rates, CD rates, account information and other disclosures can be found at the bank website, www.alarionbank.com.

Brannen Bank, Florida CD Rates

Brannen Bank has been providing banking service in Florida since 1926.  The bank is Citrus County’s oldest and one of its largest commercial banks.  Brannen Bank was the only bank in Citrus County, Florida to survive the economic crash of 1929 and the Great Depression. 

Now, Brannen Bank has grown and expanded to twelve bank branches located in Inverness, Floral City, Hernando, Beverly Hills, Crystal River, Homosassa Springs, Dunnellon and Brooksville, Florida.

Brannen Bank operates as a full service bank providing both personal and business checking and saving accounts as well as a variety of lending programs.

The bank offers several savings options that are designed to help depositors earn competitive interest rates while acting as short-term, no-risk investments.  All of the bank’s certificates of deposit require a $500.00 minimum deposit unless otherwise listed.  Customers must maintain a minimum balance of $500.00 in his or her CD account everyday to obtain the annual percentage yield as disclosed.  Brannen Bank is currently offering the following CD products and CD rates:

A one month CD with a minimum deposit of $10,000 CD rate is 0.50%
A one month CD with a minimum deposit of $50,000 CD rate is 0.55%
A ninety day CD rate is 0.90%
A five month CD rate is 1.20%
A six month CD rate is 1.20%
A nine month CD rate is 1.71%
A one year CD rate is 2.10%
A fifteen month CD rate is 2.25%
A twenty-two month CD rate is 2.00%
A two year CD rate is 2.00%
A three year CD rate is 1.75%
A four year CD rate is 1.75%

Bank CD interest rates are subject to change.  Additional account conditions may apply.  For current bank rates, CD rates and account information contact the bank directly at (352) 726-1221.  CD rates, account information and other disclosures can also be found at the bank website, www.brannenbanks.com.

NY CD Rates at Alpine Capital Bank

Alpine Capital Bank was founded on March 1, 2000.  It is a private bank specifically targeting high net worth clients with strong reliance on internet applications.  Alpine combines traditional commercial banking products and services with the technological advantages of the internet.  Alpine Capital Bank is a New York state chartered, FDIC insured commercial bank.

The Bank’s list of products includes traditional deposit accounts, from checking accounts, NOW accounts, money market accounts, and savings accounts, to certificates of deposit.  Alpine Capital Bank also offers various credit products, from home equity loans and mortgages, to commercial loans for small businesses

Alpine offers competitive interest rates on a variety of certificates of deposits.  The bank offers certificates of deposits for periods from 90 days to 5 years.  And for larger balances, the bank has attractive interest rates for periods from 7 to 30 days.

With an opening balance ranging from $0.01 to $24,999.99, Alpine Capital Bank is currently providing the following CD products and CD rates:

A three month CD rate is 0.15% APY.
A six month CD rate is 0.20% APY.
A one year CD rate is 0.30% APY.
A two year CD rate is 0.81% APY.
A three year CD rate is 1.52% APY.
And a five year CD rate is 1.72% APY.

Interest earned on certificates of deposit is calculated using simple interest based on a 360 day year.  Interest is paid at maturity for certificates of deposit with maturities up to and including one year.  Interest is paid by check annually for certificates of deposit with maturities in excess of one year.  The minimum amount to open, maintain, or renew a certificate of deposit is $2,000.00.

Bank CD interest rates are subject to change.  Additional CD account conditions may apply.  For current CD rates and account information contact the bank directly at 212-328-2555.  Bank rates, CD rates, account information and other disclosures can be found at the bank website, www.alpinecapitalbank.com.

Bank of Star Valley CD Rates

Bank of Star Valley first opened for business on March 28, 1996.  The bank has three bank branches in Afton, Thayne and Alpine Wyoming.  Recently, The American Bankers Association named The Bank of Star Valley as one of the “Top Community Banks”.  The bank ranked #17 out of 1,982 Non-S banks and thrifts across America with assets under $100 million.  The ranking was based on financial performance.
 
Certificates of deposit at Bank of Star Valley are designed for the customer who wants to invest $250 or more and earn fixed higher yields for a specified term.  Bank of Star Valley certificates of deposit offer competitive interest rates.  With a minimum opening deposit of $250.00, Bank of Star Valley is currently offering the following CD products and CD rates:
 
A three month CD rate is 0.50% APY.
A six month CD rate has an interest rate of 1.15% APY.
A one year CD rate is 1.26% APY.
A two year CD earns a rate of 1.26% APY.
A three year CD rate is 1.66% APY.
A four year CD yield is 1.71% APY.
And a five year CD rate is 2.07% APY.

In addition, the bank offers a variety of certificates of deposits for IRAs with a minimum deposit amount of $250.00.  IRA CDs include the following CD terms and CD rates:

1 year CD earns a rate of 2.26%.
2 year CD has an interest rate of 2.52%.
3 year CD rate is 3.04%.
5 year CD rate is also set at 3.04%.

 Interest rates are subject to change without notice.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at (307) 885-0000.  Bank CD rates, account information and other disclosures can also be found at the bank website, www.bosv.com.

Five Star Bank CD Rates in California

Five Star Bank is engaged in predominantly commercial banking services to business owners, professionals, real estate investors, and individuals in California.  The bank was founded in 1999 and is based in Rocklin, California.  Five Star Bank is located in the Great Central Valley, with four locations to serve their customers.  The bank has branches in Rocklin, Sacramento, Rancho Cordova and Redding, California.
 
Five Star Bank offers certificates of deposit with terms from 3 months to 24 months.  The bank has competitive interest rates, guaranteeing customer earnings for a specific term.  With a minimum opening deposit of $1000.00, Five Star Bank is currently providing the following CD products and CD rates:

A three month CD rate is 0.40% APY.
A six month CD rate is 0.55% APY.
A twelve month CD rate is 1.00%APY.
And a twenty-four month CD rate is 1.70%APY.
 
Five Star Bank also offers Liquid certificates of deposit.  The Five Star Bank Liquid CD has an adjustable rate with a floor.  If interest rates go down, the Liquid CD rate will not fall below the initial CD rate for the term of the CD.  If CD rates go up, the certificate will adjust to the higher CD rate.  Withdrawals from these bank CDs are allowed every seven days.  Funds can be added at any time in $100 minimum amounts.  The minimum deposit for these CDs is $5000.00.

The six month Liquid CD rate is 0.55% APY.
A one year Liquid CD rate is 1.01% APY.

Bank rates and CD interest rates are subject to change at the bank’s discretion.  Additional account conditions may apply to open the listed.  For current CD rates and account information contact the bank directly at 800-416-6117.  Bank CD rates, account information and other disclosures can be found at the bank website, www.fivestarbank.com.

Scott Valley Bank Rates

The oldest independent bank in California, Scott Valley Bank was established in 1912 but traces its history back to 1852.  A 12 branch bank operation, this bank offers insured savings opportunities with fixed rates and variable rates on various savings vehicles.  Savings accounts include; statement savings, tiered statement savings, traditional certificates of deposit and an account called the Optimizer certificates of deposit.

The banks traditional time certificates of deposits are presented with different terms accompanied by standard rates.  The standard bank CDs require a $2,500 minimum opening deposit.  The bank CD terms run from 30 days to 60 months.  CD interest earned is compounded daily.  The earned interest on the certificates of deposit can be paid monthly, quarterly, or at maturity.  Additional deposits into a CD account are allowed at maturity.

California CD rates from Scott Valley Bank.  Scott Valley Bank current CD rates and terms include.

The 30 to 89 day CD with a rate of 1.00% APY.
The 90 – 179 day CD earns an interest rate of 1.20% APY.
The 180 to 364 day CD has an interest rate of 1.50% APY.
The 1 year CD earns an interest rate of 1.60% APY.
The 18 month CD yields a rate of 1.65% APY.
The 2 year CD rate is 1.75% APY.
The 3 year CD has an interest rate of 1.75% APY.
The 4 year CD also has an interest rate of 1.75% APY.
The 5 year plus CD earns an interest rate of 1.75% APY.

Also offered from Scott Valley Bank is a CD product called the Optimizer certificates of deposit.  These bank CDs allow for one withdrawal of up to 50% of the principal after the first 30 days of the term with no early withdrawal penalty.  A penalty will be assessed on other withdrawals made prior to certificate of deposit maturity date.

A 180-364 day optimizer CD has a rate of 1.30% APY.
The 1 year optimizer CD earns an interest rate of 1.40% APY.
The 18 month optimizer CD rate is 1.45% APY.

CD interest rates are subject to change.  Contact a local Scott Valley Bank for account disclosures, additional information and current CD rates.  Scott valley Bank website url is www.scottvalleybank.com and their administrative offices can be contacted at 530-842-5701.

Trans Pacific National Bank California CD Rates

Trans Pacific National Bank was formed in 1984 and has its main office headquartered in San Francisco with two additional bank branches in Alameda and Millbrae.  This independent community bank provides a variety of CD terms along with its personal banking solutions.  Products include personal checking, interest checking accounts, personal savings accounts and money market accounts. 

The bank’s personal checking account provides consumers with unlimited check writing and a low minimum daily balance to maintain a service charge free account where as the bank’s tiered rate interest checking account gives unlimited check writing capabilities and earns a higher rate of interest based on the account balance.  Both accounts have $500.00 minimum opening deposit. 

The money market account is another tiered rate account where the stand out difference between the interest checking account  and this account is the $2,500.00 minimum opening deposit and the money market account allows only six (6) pre-authorized debits per month of which three (3) may be made payable to third parties. 

Trans Pacific National Bank offer both fixed and variable rate certificates of deposit with terms varying from 30 days to 5 years.  The minimum opening deposit for the bank CDs is $2,500.00.  Interest earned on the CD accounts is compounded daily.  Bank CD interest earned can be mailed to the account holder in the form of a check, transferred to a Trans Pacific National Bank checking or savings account, or reinvested into you’re the certificate of deposit.
 
Trans Pacific National Bank is offering the following CD terms and CD rates.

30 to 59 day CDs for amounts up to $20,000 have an interest rate of 1.01%.
For amounts of $20,000 to $49,999 the CD rate is 1.01%.
And for amounts of $50,000 to $99,999 the CD rate is 1.06% 
 
60 to 89 day CDs for amounts up to $20,000 have an interest rate of 1.06%.
For amounts of $20,000 to $49,999 the CD rate is 1.11%.
For amounts of $50,000 to $99,999 the CD rate is 1.16% 
 
90 to 179 day CDs for amounts up to $20,000 have an interest rate of 1.11% 
For amounts of $20,000 to $49,999 the CD rate is 1.16% 
For amounts of $50,000 to $99,999 the CD rate is 1.21%
  
180 to 364 days CDs for amounts up to $20,000 have an interest rate of 1.21% 
For amounts of $20,000 to $49,999 the CD rate is 1.26% 
And for amounts of $50,000 to $99,999 the CD rate is 1.31% 
 
1 year CDs for amounts up to $20,000 have an interest rate of 1.51% 
For amounts of $20,000 to $49,999 the CD rate is 1.56% 
And for amounts of $50,000 to $99,999 the CD rate is 1.61% 

2 year CDs for amounts up to $20,000 have an interest rate of 1.56% 
For amounts of $20,000 to $49,999 the CD rate is 1.61% 
And for amounts of $50,000 to $99,999 the CD rate is 1.66%

3 year CDs for amounts up to $20,000 have an interest rate of 1.82% 
For amounts of $20,000 to $49,999 the CD rate is 1.87% 
And for amounts of $50,000 to $99,999 the CD rate is 1.92% 

4 year CDs for amounts up to $20,000 have an interest rate of 1.97% 
For amounts of $20,000 to $49,999 the CD rate is 2.02% 
And for amounts of $50,000 to $99,999 the CD rate is 2.07%
 
5 year CDs for amounts up to $20,000 have an interest rate of 2.53% 
For amounts of $20,000 to $49,999 the CD rate is 2.53% 
And for amounts of $50,000 to $99,999 the CD rate is 2.53% 
 
Bank rates are subject to change at the bank’s discretion prior to opening these accounts.  Current CD rates and account information can be obtained by contacting Trans Pacific National Bank at 415-543-3377.  Account details and bank CD rates can also be obtained at the bank website located at www.tpnb.com.

Jonah Bank of Wyoming CD Rates

Jonah Bank of Wyoming was established in 2006.  Jonah Bank currently has two branches in Casper and Cheyenne, Wyoming.  The bank offers a variety of savings accounts, transaction accounts and loans available for both consumers and commercial activity.  Consumer bank products include checking accounts, savings accounts, money market accounts, certificates of deposit, auto loans, mortgage loans and constructions loans.
 
With a minimum deposit and balance of $500.00 Jonah Bank of Wyoming is offering the following CD products and bank CD rates:

A three month CD rate is 0.75 % APY.
A six month CD rate is 1.00% APY.
A nine month CD rate is 1.00% APY,
A one year CD rate is 1.00% APY.
An eighteen month CD rate is 1.00% APY.
A two year CD rate is 1.25% APY.
A three year CD rate is 1.75% APY.
A four year CD rate is 1.85% APY.
And a five year CD rate is 1.85% APY.
 
Interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 307-237-4555.  CD rates, account information and other disclosures can be found at the bank website, www.jonahbank.com.

Wyoming CD Rates at Big Horn Federal

Big Horn Federal Savings Bank, a $165 million financial institution headquartered in Greybull, Wyoming.  The bank has six bank branch locations in the northwestern part of the state and has been in operation for 73 years.  Big Horn Federal has provided residents of the Big Horn Basin with two essential services: a safe place for their savings and affordable mortgage funds for their home purchases

For consumers in the geographic area served by Big Horn Federal Savings Bank they offer a variety of savings products to serve consumers who may be saving for a car, holiday, vacation, college, medical expenses or retirement.  Big Horn Federal Savings Bank offers a wide selection of certificates of deposit to suit a variety of investment needs.  Current deposit rates are for the benefit of Big Horn Federal customers or those individuals living within the bank’s trade and/or market area.
 
With a minimum deposit and balance of $2,500.00 Big Horn Federal bank is offering the following CD product and rate:
 
A 91 day CD rate is 1.51% APY.
 
With a minimum deposit and balance of $1,000.00 Big Horn Federal is offering the following CD product and rate:
 
A six month CD rate is 1.88% APY.
 
With a minimum deposit and balance of $500.00 Big Horn Federal is offering the following CD products and CD rates:
 
A one year CD rate is 2.15% APY.
A two year CD rate is 2.40% APY.
A three year CD rate is 2.66% APY.
A four year CD rate is 2.79% APY.
A six year CD rate is 2.92% APY.
And an eight year CD rate is 3.17% APY.
 
Bank CD interest rates are subject to change at the bank’s discretion. Additional account conditions may apply.  For current CD rates and account information contact the bank directly at 307-765-4412.  Bank rates, CD rates, account information and other disclosures can be found at the bank website, www.bighornfederal.com.

California CD Rates at Silvergate Bank

Silvergate Bank established in 1988 as a California state chartered, FDIC-insured financial institution.  Silvergate Bank offers a variety of lending programs and deposit account products.  Silvergate Bank provides banking services for consumers, sole proprietors, and non-profit organizations.  The institution offers an array of checking accounts and savings account products for consumers as well as sole proprietors and non-profit organizations.
 
Silvergate Bank offers certificates of deposit with the with features such as free online banking, higher interest rates, minimum opening deposit of only  $2,500.00 and no monthly maintenance fee.

Silvergate Bank also offers a liquid certificates of deposit that features
free online banking and higher interest rates and also allows for 1 withdrawal without penalty and the ability to make deposits at any time.  The minimum opening deposit for this bank CD is $10,000.00.

Current CD rates and terms:

30 day CD rate is at 1.35%   
90 day CD has an interest rate of 1.40%  
6 month CD earns a rate of 1.81%  
1 year CD rate is 2.17%   
2 year CD yields 2.42%   
5 year CD rate is 2.53%  

Bank CD Specials with a $10,000 minimum opening deposit include:  
7 month CD has an interest rate of 1.91%  
15 month CD earn a rate of 2.27%  
 
CD interest rates are subject to change at the bank’s discretion prior to opening the account.  Additional conditions may apply to open these bank accounts.  For timely CD rates and other account information contact the bank directly at 800-597-6955.  Bank rates, CD rates, account information and other disclosures can be found at the bank website, www.silvergatebank.com.

The Rawlins National Bank CD Rates

The Rawlins National Bank first opened in the 1890’s in Wyoming.  The Rawlins National Bank is the largest independent bank in Carbon County, with five offices located in Rawlins, East Rawlins, Saratoga, Hanna, and Longmont, CO.  The Rawlins National Bank’s mission is “to provide Carbon County with quality financial products and services designed to make banking as convenient and friendly as possible”.
 
For fixed term investing The Rawlins National Bank offers a variety of certificate of deposits for its customers to choose.  Bank CD features include; high CD rates, the ability to lock in for short or long fixed terms, and interest payout options.
 
With a maximum deposit and balance of $10,000.00 The Rawlins National Bank is offering the following CD rates and terms:
 
A three month CD rate is 0.50% APY.
A six month CD rate is 0.90% APY.
A one year CD rate is 1.31% APY.
An eighteen month CD rate is 1.41% APY.
A two year CD rate is 1.51% APY.
A thirty month CD rate is 1.61% APY.
And a five year CD rate is 2.02% APY.
 
Bank CD interest rates are subject to change at the bank’s discretion.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at (800) 788-9479.  Bank CD rates, additional account information and other disclosures can be found at the bank website, www.rnbonline.com.

CD Rates at Balboa Thrift and Loan

Balboa Thrift and Loan is headquartered in Chula Vista, CA and have full service branches located in Bakersfield, Claremont, La Quinta, and Fresno.  The bank has been serving California for over 25 years.  Balboa Thrift and Loan products are available to both consumers and businesses.  The bank specializes in commercial real estate, home improvement and automobile loans.
 
With a minimum deposit and balance of $10,000.00 Balboa Thrift and Loan is offering the following CD products:
 
A three month CD rate is 1.77% APY.
A six month CD rate is 2.02% APY.
A nine month CD rate is 2.02% APY.
A twelve month CD rate is 2.17% APY.
An eighteen month CD rate is 2.22% APY.
A twenty-four month CD rate is 2.33% APY.
A thirty-six month CD rate is 2.43% APY.
A forty-eight month CD rate is 2.53% APY.
And a sixty month CD rate is 2.63% APY.
 
Interest on certificates of deposit is compounded daily if added back to the certificate.  Certificates automatically renew at maturity at the prevailing interest rate.  There is a five day grace period beginning on the maturity date. 

Bank CD rates are subject to change.  Additional conditions fro these bank accounts may apply.  For current CD rates and account information contact the bank directly at (619) 397-7700.  CD rates, account information and other disclosures can also be found at the bank website, www.balboathirft.com.

Visalia Community Bank CD Rates

Visalia Community Bank is a community bank headquartered in Visalia, California that provides financial services to individuals and businesses, including transaction accounts, deposit accounts, loans and internet banking.  Visalia Community Bank is Visalia’s oldest independent and locally owned financial institution.  The bank has four community bank branches in Visalia, one bank branch in Exeter and a home loan center in Visalia.

For consumers looking for a safe place to invest, the bank has created an opportunity with their certificates of deposit.  For those interested in investing for three months or five years, Visalia Community Bank’s CDs earn a competitive rate and your investment stays FDIC insured.  There is a minimum deposit required of $2,500.00 for the bank CDs.  CD interest is compounded daily.

Current CD rates and terms for deposits of $2,500.00 to $24,999.00:

1 month CD rate is 0.60% 
3 month CD has an interest rate of 0.90% 
6 month CD yields a rate of 1.21%
9 month CD also earns an interest rate of 1.21%
1 year CD rate is 1.41% 
18 month CD has a rate of 1.41% as well
2 year CD rate is 1.82% 
3 year CD earns an interest rate of 1.92% 
4 year CD has a rate of 2.02% 
5 year CD rate is 2.33% 

Current CD rates and terms for deposits of $25,000.00 to $49,999.00:

1 month CD has a rate of 0.70% 
3 month CD interest rate is 1.01% 
6 month CD earns a rate of 1.31%
9 month CD also yields a rate of 1.31%
1 year CD rate is 1.61% 
18 month CD has the same rate of 1.61%
2 year CD rate is 1.92% 
3 year CD has an interest rate of 2.02% 
4 year CD earns a rate of 2.22% 
5 year CD rate is 2.53% 

The interest rate and annual percentage yield will not change for the term on the bank certificate of deposit accounts.  Annual percentage yield (APY) assumes daily compounding of interest and funds remaining on deposit for one full year.  There is a penalty for early withdrawal.  Withdrawals could reduce the earnings of the account.

CD rates subject to change and additional conditions may apply.  For current CD rates and account details contact a bank representative at 559-625-8733.  Visalia Community Bank maintains a website that posts timely bank rate information as well additional account information, the bank web address is www.vcb.com.

Kent Bank CD Rates Illinois

Kent Bank is a locally owned community bank with bank branches in Kent and Freeport, Illinois.  Kent Bank began operations in 1923.  Financial services offered by Kent Bank include consumer loans and deposit accounts with competitive rates.  The bank has a variety of deposit and loan products to provide bank customers the ability to meet their individual financial needs.  As part of its standard services, Kent Bank also provides telephone banking and internet banking.  All Kent Bank checking accounts, savings accounts and certificates of deposit are FDIC insured to the maximum allowed by law.

Kent Bank offers customizable, FDIC insured certificates of deposit that are designed to maximize returns within the term best suited to the investor allowing the CD account to be viewed anytime online.  The bank CDs offer free Internet banking.  The CD interest earned can be paid monthly, quarterly or at maturity. 

Current CD rates and terms.

30-89 day CD earns an interest rate of 1.00% APY
90 day CD also yields a rate of 1.00% APY
6 month CD rate is 1.75% APY
9 month CD has a rate of 2.00% APY
One year CD rate is 2.00% APY
Two year CD also earns a rate of 2.00% APY
Three year CD yields a rate of 2.00% APY
Four year CD rate is also at 2.00% APY
Five year CD rate is 2.00% APY
Bump Up 24 month CD rate is 2.00% APY

Certificates of deposit are automatically renewable unless you instruct.  CDs do not earn interest after the maturity date.  There is a penalty for early withdrawal with the following schedule: 7 day or less than 90 day CDs = 7 days interest, 90 day or less than one year CDs = 30 days interest and one year or longer CDs = 90 days interest

Bank CD rates are subject to change and additional conditions may apply.  For current CD rates and account information a bank representative can be reached at 815-235-2711.  The Kent Bank website is located at www.kentbnk.com and holds information on a variety of bank products as well as select bank rates.

Apple Valley Bank CD Rates, Connecticut

Apple Valley Bank & Trust Company operates three offices in Cheshire, Southington and Wallingford, Connecticut.  The bank was founded in 2001 and offers personal and commercial banking services.  Apple Valley Bank offers local staff to help with an assortment of banking needs.  Bank products and services range from car loans and commercial construction loans to certificates of deposits and investments.

As a member of the SUM network of ATMs, bank customers won’t pay a surcharge at nearly 2,800 ATMs across the country.  In addition, with the online banking services available at Apple Valley Bank, account holders can obtain balance inquiries, perform transfers, and pay bills from an Apple Valley Bank deposit account from home or office.

Apple Valley Bank has a number of savings products including a wide variety of terms on bank CDs, all with competitive market rates.  Each bank CD has a minimum required balance of $500 to open the account and earn the Annual Percentage Yield.  Penalties may also be imposed for early withdrawal.  Fees may reduce earnings.

3 month CD has an interest rate of 1.00% APY
6 month CD yields a rate of 1.25% APY
9 month CD earns an interest rate of 1.50% APY
1 year CD rate is 1.75% APY
15 month CD has a rate of 1.75% APY
18 month CD earns a rate of 1.75% APY
2 year CD rate is 2.50% APY
3 year CD has an interest rate of2.75% APY
4 year CD yield a rate of 3.25% APY
5 year CD rate is 3.51% APY

Apple Valley Bank also offers a premium money market account that earns interest based on a tiered balance.  The money market account has a $5,000 minimum balance to open.  A service charge of $10.00 will be imposed each month or statement cycle if the average monthly balance is less than $5,000.00.

For money market balances of $5,000.00 – $49,999.99 the rate is 1.00% APY
For money market balances of $50,000.00 – $99,999.99 the interest rate is 1.50% APY
For money market balances of $100,000.00 and over the rate is 2.00% APY

Bank rates are subject to change without notice.  Bank rates posted are as of 4/17/2009 and are subject to change without notice.  Call an Apple Valley Bank representative direct toll free at 866-876-3652 for the most current CD rates and bank rates.  The website for Apple Valley Bank also promotes the current CD rates, money market rates and more.  The bank website is located at www.applevalleybank.com.

For car loan rates visit www.selectautorates.com.  For information on mortgage rates and mortgage calculators products visit www.selectcalculators.com.

CD Rates with Lotus Bank in Michigan

Lotus Bank is a State chartered full service commercial bank headquartered in Novi, Michigan.  The bank provides a full range of retail and commercial banking services designed to meet the borrowing and depository needs of small and medium-sized businesses and consumers in local areas.  Management of Lotus Bank believes that local ownership and control allows Lotus Bank to serve customers more efficiently and effectively than larger regional and national institutions.  The bank competes on the basis of providing a unique and personalized banking experience combined with a full range of services, customized and tailored to fit the needs of its clients.

Lotus offers a wide array of certificates of deposits to assist consumers with their savings and retirement goals.  The bank CD terms range from one month to several years.

Current CD rates and terms promoted:

1 month CD rate is 0.45%
3 month CD has an interest rate of 1.00%
6 month CD earns a rate of 1.40%
1 year CD yields a rate of 2.02%
2 year CD rate is 2.32%
3 year CD has an interest rate of 2.48%
4 year CD earns a rate of 2.94%
5+ year CD yields a rate of 3.20%
Variable Rate CD rate is 0.35%

Lotus Bank also promotes a premium money market account.  This account allows greater access to the funds that are invested while allowing these savings to earn more than standard accounts with competitive rates and terms.  The money market account is an interest bearing account based on a tiered interest rate schedule.  Money market interest earned is paid monthly.  There is no service charge with a $1,500 minimum monthly balance and the account allows up to 5 free foreign ATM transactions per month.

Premium money market account rates and balance tiers:

Tier 1 balance of $0-$9,999 earns a rate of 1.51%
Tier 2 balances of $10,000-$24,999 has an interest rate of 2.02%
Tier 3 balances of $25,000-$49,999 yields a rate of 2.22%
Tier 4 balances of $50,000-$99,999 rate is 2.38%
Tier 5 for balances of $100,000 or more has an interest rate of 2.53%

Bank CD interest rates and money market rates are current as of March 23, 2009.  Actual bank rates may vary.  Please call a Lotus Banker at 248-735-1000 for additional account information and timely bank rates.  Lotus Bank has a website that contains various bank rates and CD rates and can be found at www.lotusbank.net.

Michigan CD Rates at Bank of Birmingham

Bank of Birmingham is an FDIC insured state chartered bank with offices in Birmingham, and Bloomfield Township, Mich. Bank of Birmingham serves the Oakland County communities of Birmingham, Franklin, Beverly Hills, and Bingham Farms.  As a community bank, Bank of Birmingham offers a full range of loan and deposit products and services to individuals and businesses.

Bank of Birmingham certificates of deposits are available for both consumer and business investment.  The bank puts forward a wide selection of terms, as short as 89 days to a term as long as 5 years.  These bank CDs are a safe and secure means to invest funds and provide an alternative to traditional savings accounts as well as other investment vehicles while affording the bank CD account holder to feel secure about investing their money for the time period of their choice. 

Bank of Birmingham current CD rates and terms:

89 day CD rate is 0.25% APY
3 month yields an interest rate of 0.60% APY
6 month CD earns an interest of 0.80% APY
9 month has a rate of 1.00% APY
1 year CD rates is 1.25% APY
18 month yields a rate of 1.25% APY
2 year CD rate is 1.75% APY
3 year has an interest rate of 2.25% APY
4 year CD earn an interest rate of 2.50% APY
5 year CD rate is 3.25% APY

There is a $500 minimum deposit required to open all bank CDs.  Bank rates subject to change and additional conditions may apply.  For up top date CD rates and account details call a Bank of Birmingham representative at 406-883-2940.  More CD bank rates and CD rates are available on the Bank of Birmingham website located at www.bankofbirmingham.net.

Michigan CD Rates and Bank Rates at Level One Bank

Level One Bank officially opened on October 5, 2007 in Farmington Hills, Michigan.  Level One Bank offers personal and commercial banking services.  The bank has  several choices to accommodate personal banking needs from free checking accounts to high rates of interest on a number of FDIC insured deposit options, or great rates on home equity loans or lines of credit.  Options for personal deposit products include interest bearing checking accounts, money market accounts, CDs and savings accounts that offer great rates of return for your money.

Level One Bank checking accounts offer free ATM use at any ATM and the higher interest rate earned on the interest checking account helps account holders accumulate earnings faster.  With a minimum daily balance of $250, there is no monthly maintenance fee.  The checking account earns interest on all balances, has free online banking, bill pay and online statements, allows 6 free ATM transactions per month as well as free ATM usage anywhere in the US for accounts with average monthly balance over $2,000, unlimited check writing and telephone banking transactions and an overdraft protection option is available.

The interest checking rate is 2.00% APY

Level One Bank offers CDs for many terms, some with a minimum investment of just $500.  A penalty will be imposed for early withdrawal on the bank CD products.

Level One Bank certificate of deposit specials:

6 month CD rate is 1.25% APY
9 month CD rate is 2.45% APY
One year CD rate is 1.50% APY
Three year CD rate is 3.00% APY

The Level One Bank money market account is a high yield interest earning money market account.  The account offers tiered interest rates on balances where the higher the balance, the higher the interest rate earned.  The money market account comes with free internet banking and bill payment that allows users to check balances, transfer funds, pay bills, see monthly statements, download account information and view cleared checks.  There is a low minimum opening balance of $50, no monthly service charge with $2,000 minimum daily balance and no ATM fees for accounts with daily balance over $2000.  This money market account requires a deposit and loan relationship with Level One Bank.

Money market account rates and required balances needed:

$50,000 and above the money market account rate is 1.50% APY
$25,000 to $49,999.99 the account rate is 1.25% APY
$10,000 to $24,999.99 and the interest rate is 1.00% APY
$2,500 to $9,999.99 the money market rate drops to 0.50% APY
And for balances of $0 to $2,499.99 the rate is 0.25% APY
These money market rates apply for new money only.

Bank rates, bank CD rates, and annual percentage yields (APY) are accurate today only and are subject to change by the bank without notice.  Fees may reduce earnings on the accounts.  For current CD rates and bank rates, a bank representative can be reached at 888-880-5663.  The Level One Bank website posts current bank rate and bank CD rate specials along with additional account details, the bank website address is www.levelonebanking.com.

Audubon Savings Bank CD Rates NJ

Audubon Savings Bank is a New Jersey state-chartered mutual savings bank located in Audubon, New Jersey.  The bank also operates two branch offices in Mt. Laurel and Pine Hill.  Audubon Savings Bank has been operating in New Jersey since 1904.

The bank offers a variety of deposit products for consumers, businesses, and government entities, including checking accounts, savings accounts, money market accounts, club accounts, and certificates of deposit.

Audubon Savings Bank CDs receive a competitive rate of interest for a fixed term.  Bank CD terms range from 91 days to 10 years.  Most of the CDs can be opened for as little as $500.00.

91 day CD rate is1.50% APY 
6 month CD earns a rate of 1.75% APY 
9 month CD has an interest rate is 2.00% APY 
11 month CD yields a rate of 2.00% APY 
1 year CD rate is 2.00% APY
15 month CD interest rate is2.25% APY 
18 month CD yields a rate of 2.35% APY 
2 year CD rate is 2.50% APY 
30 month CD has an interest rate of 2.70% APY 
3 year Up-gradable CD rate is 2.80% APY 
42 month CD earns an interest rate of 2.80% APY 
5 year CD rate is 3.00% APY 
7 year CD yields an interest rate of 3.00% APY 
10 year CD has a rate of 3.00% APY 

3 month CDs and 6 month CDs require a $1,000 minimum deposit.  The 15 month CD requires a $2,500 minimum deposit and the remainder of the CD rates and terms require a $500 deposit.  CD rates subject to change without notice.  For timely bank rate and account information, an Audubon Savings Bank representative can be reached at 856-547-8100.  The bank website also posts current bank rates and account information, the bank website can be found at www.audubonsavings.com.

Maryland CD Rates at Kopernik

Kopernik Federal Bank, established in 1924, is a community bank providing personal service to the citizens of Maryland.  The bank offers competitive loan rates and savings rates from its one location in Baltimore.  Kopernik Federal offers an array of loan and savings plans to match an assortment of consumer needs. 

The bank’s federally insured certificate of deposit provides high earnings and peace of mind.  The interest earned on these bank CDs will be credited to the account monthly and upon maturity.  Interest is always available penalty-free.  A penalty may be imposed if the CD account holder withdraws any of the principal before the maturity date.  The bank CDs have a $1,000 minimum opening balance requirement.

6 month CD rate is 2.02% APY 
1 Year CD rate is 2.27% APY 
2 Year CD has an interest rate of 2.58% APY 
3 Year CD earns a rate of 2.78% APY 
4 Year CD yields 3.04% APY 
5 Year rate is 3.30% APY 

Kopernik Federal maintains a selection of checking account to choose from.  All of the checking accounts are easy to use with no fees for account holders that simply maintain the minimum balance.  A statement of account activity is mailed to the account holder monthly.  Direct deposit is also available.  The bank’s investor checking account earns a high yield but requires a $10,000 minimum balance.

The current rate on the investor checking account is 2.53% APY 

The bank also offers a standard interest bearing savings account designed for individuals who want to earn interest on growing cash balances.  The minimum balance for the passbook savings account is only $25.

The current interest rate earned on the passbook savings account is 1.26% APY 

Bank rates and CD rates are subject to change without notice, additional conditions may apply and fees may reduce earnings.  For up to date bank rate information, a customer service representative from Kopernik Federal Bank can be reached at 410-276-4905.  The Kopernik Federal website contains additional information on bank products and bank rates, the website can be found at www.kopernikbank.com.

For car loan rate information visit www.selectautorates.com.

For mortgage rates and mortgage calculators visit www.selectcalculators.com.

Investments and CD Rates with Wedbush Bank

Wedbush Bank is headquartered in downtown Los Angeles, CA.  The bank is a wholly-owned subsidiary of WEDBUSH, Inc., the parent company of Wedbush Morgan Securities.  Wedbush Bank was founded in 2008.  The bank is an extension of the company’s existing operations, which include a financial brokerage and investment bank, a private equity fund and an investment company.  WEDBUSH, Inc. provides private and institutional brokerage, investment banking, private capital, research, and asset management to individual, institutional and issuing clients.

Wedbush Bank offers personal and commercial banking services.  Wedbush Bank offers competitive interest rates on certificates of deposits with terms ranging from 7 days to 5 years.  These are fixed term deposit accounts.  The banks CDs have a $2500 minimum opening balance.  The Wedbush Bank CDs come with free online banking and the rate and APY are based on balance and term of deposit.

Current CD rates and terms:

7-89 day CD rate is 0.75% APY
3-5 month CD has an interest rate of 0.85% APY
6-11 month CD yields a rate of 1.00% APY
12-17 month CD earns a rate of 1.61% APY
18-23 month CD rate is 2.17% APY
24-35 month CD has a rate of 2.53% APY
36-47 month CD interest rate is 2.68% APY
48-59 months earns an interest rate of 2.89% APY
60 month CD rate is 3.14% APY

Wedbush bank also offers multiple money market accounts that are ideal accounts for those clients that prefer liquidity and have higher balances.  The Wedbush Bank money market pays a better interest rate and offers the ability to write three checks per statement cycle.  The money market account can be linked to a checking account for overdraft protection.  The accounts offer free online banking and overdraft protection is available.  The premium money market account is available for those customers who have opened a premium interest checking account.  The standard money market account has a monthly service charge of $15.00, the fee is waived with $2500 average monthly collected balance.  There is no fee for premium money market and balance can be used to offset premium interest checking fee.

Money market rates and balances:

For money market account balances of $0 to $2,499; 
The money market rate is 0.00% and the premium money market rate is 0.75% APY
For money market account balances of $2,500 to $9,999; 
The money market rate is 0.25% and the premium money market rate is 0.75% APY
Account balances of $10,000 to $24,999;
The money market rate is 0.50% and the premium money market rate is 0.75% APY
Account balances of $25,000 to $49,999;
The money market rate is 0.75% and the premium money market rate is 1.01% APY
For money market account balances of $50,000 to $99,999;  
The money market rate is 0.90% and the premium money market rate is 1.16% APY
Money market account balances over $100,000; 
The money market rate is 1.01% and the premium money market rate is 1.26% APY

The bank CDs have a penalty for early withdrawal.  Bank rates, fees and features are subject to change without notice.  For current CD rates, a bank representative can be reached at 866 -933-2874.  Wedbush Bank has a website that posts current bank rates that include savings rates, CD rates, lending rates and more.  The bank web address is www.wedbushbank.com.

Bank of Napa CD Rates California

Bank of Napa operates as a community bank in Napa, California that provides personal and business banking services to individuals, small or medium sized businesses.  Bank of Napa opened for business on August 14, 2006.  Bank of Napa offers an extensive range of products and services to meet a wide range of personal banking needs.  Bank products and services cover online banking and bill pay, personal deposits, personal loans, credit and debit cards.

The bank offers FDIC insured certificates of deposit so customers can enjoy the benefits of higher rates plus peace of mind with principal security.  There is a $1,000 minimum balance to open these bank CD accounts.  The bank CDs offer fixed rates with terms ranging from seven days to five years.  The bank CDs work on tiered interest rates where the CD rate earned is dependent on the account balance.

A sample of the bank’s current CD rates and terms include:

7 – 30 day CD rate is 0.25% APY for balances of $1,000 and greater.
31 – 89 day CD has an interest rate of 0.50% APY for balances of $1,000 and greater.
90 – 179 day CD rate is 0.75% APY for balances of $1,000.00 – $9,999.99.
90 – 179 day CD rate is 0.85% APY for balances of $10,000.00 – $24,999.99.
180 – 364 day CD earns a rate of 1.26% APY for balances of $1,000 – $9,999.99.
One year CDs – 23 month CDs yield an interest rate of 2.27% APY for balances of $1,000.00 – $9,999.99.
One year CDs – 23 month CDs yield an interest rate of 2.53% APY for balances of $10,000.00 and greater.
Two year CD – 35 month CD rate is also at 2.27% APY for balances of $1,000.00 – $9,999.99.
Two year CD – 35 month CD rate is also at 2.53% APY for balances of $10,000.00 and greater.
Three year CD – four year CD has an interest rate of 2.27% for balances of $1,000.00 – $9,999.99.
Three year CD – four year CD has an interest rate of 2.38% for balances of $25,000.00 – $49,999.99.
49 month – five year CD rate is 2.53% for balances of $1,000.00 – $9,999.99.
49 month – five year CD rate is 2.89% for balances of $50,000.00 – $99,999.99.

The interest rate and annual percentage yield on the bank CDs may change before account opening without notice, and/or fees could reduce earnings on account.  For up to the minute bank rates and CD rates, a bank representative can be reached at 707-257-7777.  The Bank of Napa website has current rate information on bank CDs, money market accounts, savings account and other bank rates.  The Bank of Napa website can be found at www.thebankofnapa.com.

CD Rates, Money Market Rates in New Jersey with Magyar Bank

Magyar Bank serves individuals and businesses in Central New Jersey.  The bank operates five branch locations in New Brunswick, North Brunswick, South Brunswick, and Branchburg.  The Bank was founded in 1922 by Hungarian immigrants with the purpose of helping the community’s residents achieve the “American Dream”.  The banks name comes from the Hungarian word to describe an individual from Hungary.

Magyar Bank has three primary savings vehicles available to consumers; a regular savings account, a money market account and certificates of deposit.  The savings account is an interest bearing savings account that has no charge with $500.00 minimum daily collected balance.  The money market account is a tiered-rate interest bearing checking account with limited transactions.  The certificates of deposit come with competitive interest rates, various terms and a choice of maturity date.

Magyar Bank offers a premium money market that earns a higher rate than regular checking account or savings account.  The money market account gives access to deposited by funds by allowing up to six withdrawals each monthly statement cycle, three of which can be checks.  The money market account also comes with free online banking and bill pay, free telephone banking and a Magyar Bank debit card with no annual fee.

The premium money market account requires a $10,000 minimum opening deposit.  For balances of $10,000 and larger, the money market account rate is 1.50% APY. 

For a secure, guaranteed investment in which the rate does not adjust or change, Magyar Bank CD earns a fixed rate of return.  The bank has a variety of terms and competitive rates, each FDIC-insured.  There is a penalty for early withdrawal from CDs and fees may reduce earnings.  Early withdrawals from the bank CDs are subject to the following penalties:

Bank CDs with maturities of less than 12 months, loss of 3 months interest.
Bank CDs with maturities of 12-35 months, loss of 6 months interest.
Bank CDs with maturities of 36 months & over, loss of 9 months interest.

Current CD rates and terms presently offered:

91 day CD rate is 1.00% APY 
182 day CD earns a rate of 1.25% APY 
7 month CD has an interest rate of 1.50% APY   
One year CD rate is 1.40% APY  
18 month CD earns a rate of 1.75% APY 
Two year CD rate is 2.00% APY 
Three year CD has a rate of 2.50% APY 
Four year CD yields an interest rate of 3.00% APY 
Five year CD rate is 3.25% APY 

There is a $1,000 minimum balance to open the 91 day bank CD.  There is a $500 minimum balance to open the 182 day bank CD and the one year CD.  The remainder of the listed bank CDs requires a $2,500 minimum balance to open.

Bank rates and CD rates subject to change and additional conditions may apply to open these accounts.  For current CD rates and account information the bank can be reached directly at 732.342.7600.  Magyar Bank’s website contains a plethora of information on bank rates and bank products, the bank web address is www.magbank.com.

Massachustts CD and Money Market Rates at Weymouth Bank

Weymouth Bank was established in 1889 and headquartered in Weymouth, Massachusetts.  Weymouth Bank is an independent, mutually-owned community bank.  It is a federally insured bank and is also insured by the Share Insurance Fund of the Co-operative Central Bank.  It offers a wide array of financial products and services ranging from deposits to loan services and investment banking.  The bank offers personal and business products and services including checking accounts, savings accounts and CDs at competitive rates.

The Weymouth Bank money market deposit account earns a high return on deposited funds while still keeping the savings liquid.  The money market account offers a competitive four tiered premium Annual Percentage Yield structure.  The money market deposit account can be opened for as little as $2,500.00.  The interest earned is compounded daily and paid monthly.

The money market account rates are based on the account balance. 
For money market account balances below $2,500 the rate is 0.51% APY
For balances between $2,500 – $24,999 the rate earned is 0.76% APY
Money market account balances that are $25,000 – $49,999 have an interest rate of 1.28% APY 
Balances on the money market account that are $50,000 and greater yield an interest rate of 1.53% APY.

The Weymouth Bank certificate of deposit (CD) offers a higher investment return than the regular passbook, statement savings account or money market account.  Weymouth Bank offer CD’s with terms ranging from 3 months to 5 years in duration.  Bank CD’s of 1 year or longer may be opened with just $1,000.00.  Shorter term bank CD’s require a $5,000.00 minimum deposit.  Annual Percentage Yield is compounded daily and paid monthly.  Accrued CD interest may be withdrawn at any time; however, there is a penalty for early withdrawal of principal.

Current CD rates and terms:

3 month CD rate is 1.28% APY 
6 month CD has an interest rate of 1.53% APY 
9 month CD earns an interest rate of 2.05% APY
One year CD rate is 2.05% APY 
15 month CD has a rate of 2.44% APY 
18 month CD also yields a rate of 2.44% APY 
Two year CD rate is 2.44% APY 
Three year CD has an interest rate of 2.57% APY 
Four year CD also earns an interest rate of 2.57% APY 
Five year CD rate is 2.70% APY

Bank CD rates are subject to change at the banks discretion prior to opening these accounts.  Additional conditions may apply.  For current CD rate and account details call a bank representative at 781-337-8000.  The Weymouth Bank website contains timely bank rate information including bank CD rates, the web address is www.weymouthbank.com.

New Jersey CD Rates at Newfield National Bank

The bank was chartered in 1934 and remains a full service, intrastate community bank offering a standard array of traditional loan and deposit products.  Since its inception, the bank’s main objective has been to serve the banking needs of Newfield, New Jersey as well as Gloucester, Cumberland and Cape May counties.

Newfield National Bank provides deposit and credit products that are designed to meet ongoing needs of the customers in the region.  A few of the savings products include a passbook savings account, statement savings account and certificates of deposit.

The passbook savings account is a savings account with a passbook that the bank posts deposits and withdrawals in.  The passbook savings account allows account holders to make small deposits and build savings gradually yet still have the money accessible if needed.  The bank passbook savings account is available to individuals, organizations, and corporations.  There is a $100.00 minimum deposit to open this account.  The minimum balance of $100.00 must be maintained each day in order to obtain the annual percentage yield.  Savings account balances below $100.00 do not earn interest.

The passbook savings account has a rate of 1.06% APY

Newfield National Bank offers a similar savings product, the statement savings account.  The statement savings account also has a $100.00 minimum deposit to open this account.  The statement savings account holder receives periodic bank statements.  The account is completely accessible and most of the same conditions as the passbook savings account.

The statement savings account has a rate of 1.06% APY

A Newfield National Bank CD is a financial savings instrument that earns a fixed rate of interest for a specific amount of time.  The interest rate is generally higher than the current rate for other bank savings account.  Although the bank CDs are purchased for a set length of time, they can be redeemed early.  A penalty will be assessed unless there is a death of the owner or co-owner of the certificate.  Most CDs automatically renew at maturity.  Interest can be paid monthly, quarterly, semiannually, annually, or can be deposited directly to the certificate.  The bank CDs has a $500.00 minimum deposit to open the accounts.  Terms for certificates of deposit range from 3 to 60 months

Current CD rates and terms:

3 month CD rate is 1.26% APY 
6 month CD earns a rate of 2.06% APY 
1 year has an interest rate of  2.22% APY 
1 1/2 year CD yields a rate of 2.33% APY 
2 year CD rate is 2.48% APY 
2 1/2 year earns an interest rate of 2.58% APY 
3 year CD has a rate of 2.79% APY 
4 year yields an interest rate of 3.05% APY 
5 year rate is 3.10% APY 

CD rates are subject to change prior to opening the account.  For current CD rates and additional account information a Newfield National Bank bank representative can be reached at 800-690-3440.  Newfield National Bank website has information on the various consumer and business products offered as well as select bank rates.  The website address is www.newfieldbank.com.

East Texas CD Rates at City National Bank

The City National Bank of Sulphur Springs is located in East Texas and has been serving the region since1889.  City National Bank is one of Sulphur Springs’ oldest surviving businesses.  The bank has eight full service bank branches.  The bank also operates a mortgage office in Sulphur Springs.  City National Bank of Sulphur Springs offers a wide range of services through these full service bank branches including free checking with overdraft protection, Internet banking, checking and savings accounts, CDs, and loans.

City National Bank offers a high rate money market account.  The money market account is limited to six withdrawals per month.  The minimum balance to open the account is $2,500.00.  If the money market balance falls below $1,500.00 there is a $10.00 service charge.  If the balance remains $1,500.00 and higher there is no service charge.

If the money market account balance is:  
$ 1,500.00 – 2,499.99 the rate is .75% APY
$ 2,500.00 – 15,000.00 the interest rates rises to 1.00% APY
$ 15,000.01 – 75,000.00 the yield reaches 1.25% APY
and $ 75,000.01 and above the rate is 1.51% APY

City National Bank also offers CDs with a range of interest rates and terms.  The minimum opening balance for the bank certificates of deposit is $1,000.

Current CD rates and terms:

7-30 day CD yields a rate of 1.76% APY
1 month CD earns a rate of 1.76% APY
2-3 month CD also has a rate of 1.76% APY
6 month CD earns an interest rate of 1.76% APY as well
One year CD rate is 2.02% APY
18 month has a rate of 2.28% APY
Two year CD rate is 2.38% APY
30 month CD yields a rate of 2.38% APY
Three year CD earn a rate of 2.77% APY
Four year CD has an interest rate of 3.02% APY
Five year CD rate is 3.28% APY

A penalty is imposed for early withdrawals o the bank CDS.  Fees could reduce the earnings on the account.  Bank rates and CD rates are subject to change.  To contact the bank directly for timely CD rates and account information, the main bank number is 903-885-7523.  City National Bank maintains a website that contains additional bank product information, CD rates, IRA rates as well as money market rates.  The bank web address is www.bankatcnb.com.

Fireside Bank CD Rates in California

Fireside Bank is an FDIC insured and regulated California industrial bank with its main office in Pleasanton, CA.  The bank’s primary business is non-prime automobile lending programs.  The bank also offers certificates of deposit (CDs) with aggressive interest rates.  The bank operates throughout the United States.

The bank CDs have interest rates that are among the most competitive in the industry.  All deposits are insured with the Federal Deposit Insurance Corporation so that your investment can safely earn interest at an excellent rate.

Fireside Bank offer CDs with multiple terms that can assist consumers in meeting their short term, as well as their long term financial goals.  All deposits are insured with the Federal Deposit Insurance Corporation so that the investment can safely earn interest at a high rate.  There are no fees associated with opening or maintaining a bank CD account.  However, penalties for early withdrawal do apply.  9 month CDs to five year CD terms are available.

Standard CD rates and terms:

9 month CD rate is 0.35%
One year CD earns a rate of 1.97%
18 month CD has an interest rate of 2.02%
Two year CD rate is 2.02%
Three year yields a rate of 1.87%
Four year CD earns a rate of 1.87%
Five year CD rate is 1.87%

The minimum balance and opening deposit for the standard bank CD accounts is $2,500.00.  Interest is earned daily and paid monthly, quarterly, semi-annually and annually, or added to the balance and compounded monthly.  The bank CD accounts automatically renew at maturity at Fireside’s then prevailing interest rates.  At maturity, the CD account owners have a seven day grace period to make changes or withdrawal without a penalty.  A minimum balance of $10,000.00 is required on the bank CDs to receive monthly interest payments.

Fireside Bank also offers higher balance CD accounts called Prestige Accounts.  The minimum deposit balance for Prestige Accounts is $50,000.00.

Prestige CD rates and terms:

9 month CD earns a rate of 0.50%
One year CD rate is 2.12%
18 month CD yields a rate of 2.17%
Two year CD rate is 2.17%
Three year CD has an interest rate of 2.02%
Four year CD earn an interest rate of 2.02%
Five year CD rate is 2.02%

Bank CD rates are subject to change prior to opening the account.  For more up to date bank rates and account information contact a bank representative at 866-612-1801.  The Fireside Bank website has additional account and bank rate information as well, the site can be found at www.firesidebank.com.

Savings and CD Rates at Saigon National Bank

Saigon National Bank is based in Westminster, California.  Saigon National Bank is a locally owned community bank devoted to serving the financial needs of the Vietnamese business community in Southern California.  The bank has one location where it provides both consumer bank products and services as well as business products and services.

Saigon National Bank has a wide assortment of consumer products to help those looking for flexible savings accounts and competitive interest rates.  The rates offered on the bank money market accounts and savings accounts are some of the highest interest rates in the region.

The bank personal money market investment account requires a $1,000.00 minimum opening deposit.  The money market account is a tiered interest rate account, the more the account holder saves, the more they will earn.  The money market accounts offers unlimited withdrawals in person or with a debit card, up to three checks or six transfers per month, immediate access to the funds, no monthly fee if the money market account holder maintains a minimum daily balance of $1,000.00 or a monthly average balance of $2,000.00.
   
For daily balances of up to $999.99 the money market account rate is 0.25% APY.
For money market account balances that are between $1,000.00-$99,999.99 the rate earned is 1.50% APY.
For balances that are $100,000.00 and greater the rate is also at 1.50% APY.

Saigon National Bank also offers a regular savings account.  The savings account provides account holders easy access to the funds with a convenient ATM services, all deposited funds earn interest, has a low monthly fee and no monthly fee if the savings account holder maintains a minimum daily balance of $200.00 or a monthly average balance of $400.00

With a daily balance  of up to $999.99 the savings account rate is 0.50% APY.
For savings account balances of $1,000.00 and greater the interest rate is 2.00% APY.

Saigon National Bank offers certificates of deposits with a wide range of terms, amounts and interest rates to match the financial flexibility requirements of the depositors.
Current CD rates and terms:

1 month certificate of deposit rate is 0.75%
3 month certificate of deposit earns an interest rate of 1.50%
6 month certificate of deposit also has a rate of 1.50%
9 month certificate of deposit is also yielding a rate of 1.50%
One year certificate of deposit rate is 1.75%
18 month certificate of deposit has an interest rate of 1.76%
Two year certificate of deposit rate is 2.24%
Three year certificate of deposit earns an interest rate of 2.50%
Four year certificate of deposit also earns a rate of 2.50%
Five year certificate of deposit rate is 2.50%

Bank rates and CD rates are subject to change.  The savings account and money market are variable rate accounts.  The CD accounts are fixed rate accounts.  For the latest bank rates and detailed account information, a bank customer service representative can be reached at 714-338-8700.  The Saigon National Bank website has additional information on savings rates, money market accounts and CD rates, the bank web address is
www.saigonnational.com.

Green CD Rates

First Green Bank in Florida is the first bank of its kind to promote positive environmental and social responsibility while operating as a traditional bank.  The bank started operations in 2009 and plans to specialize in services for environmentally friendly businesses and building projects.  The bank does accommodate both green and non-green businesses alike.  First Green Bank has two locations, one in Eustis and another in Clermont Florida.

The First Green Bank HYBRID CD provides extended flexibility while maximizing the return on your investment.  With a low opening deposit amount, a rate bump, and a withdrawal allowed during the original term, the HYBRID CD is designed to lock in your green for the term chosen.

The HYBRID CD has a minimum opening deposit of $1000.  Additional deposits can be made in increments of $100 up to one-half the principal balance.  One withdrawal is allowed of up to one-half the initial principal balance without penalty during the original term.  This CD has a rate bump provision that allows the account holder to raise the CD interest rate one time during the term if the bank’s rate increases, without extending the original CD term.  Interest is compounded daily and credited monthly.

Current CD rates and terms:

3 month CD rate is 1.00% APY
6 month CD earns a rate of 1.51% APY
One year CD rate is 2.02% APY
Two year CD has an interest rate of 2.27% APY
Three year CD yields a rate of 2.53% APY
Four year CD earns a rate of 2.79% APY
Five year CD rate is 3.04% APY

For savings options with more flexible withdrawals, First Green Bank offers the BE GREEN money market account.  This money market account has a minimum daily balance of $2500 is required to avoid a $15 monthly service charge.  The money market account allows up to 6 transfers to your accounts or third-parties and up to 3 transfers by check or draft per month.  The account allows unlimited in-person withdrawals, has a tiered interest rates, interest paid monthly, free first order of recycled checks, free MasterCard debit card, free online banking with bill payment and free E-statements.

Money market rates:
   
Balances up to $9,999.99 has a rate of 0.50% APY
Money market account balances of $10,000 to $24,999.99 earns a rate of 1.51% APY
Balances between $25,000 to $49,999.99 rate is 2.53% APY
Account balances that reach $50,000 to $99,999.99 have an interest rate of 3.14%
And money market account balances that are $100,000 or greater has an interest rate of 3.14% APY

Rates subject to change at bank’s discretion prior to opening the CD account.  Money market rates are variable rate accounts.  Fees may reduce earnings on accounts.  For more information on bank products and bank rates, a bank representative can be reached at 352.483.9100.  Additional CD rates and account information can be found on the First Green Bank website which is located at www.firstgreenbank.com.

Savings Rates and CD Rates Providence Bank

Providence Bank is located and headquartered in Winter Haven, Florida.  The bank was established in 2005 and has just one location.  Providence Bank is a full-service independent community bank.  Providence Bank provides a great deal of banking services to its customers and allows them to choose from various savings accounts that are available.  Customers can choose from checking accounts or savings accounts for personal needs as well as commercial or business purposes.

Providence Bank offers a standard savings account and a premium savings account.  A deposit of at least $100 is needed to open a savings account or $1,500 for the premium savings account.  This account is considered to be one of the best options for the right combination to interest earning potential as well as financial flexibility.

Savings Accounts Rates:
   
For savings account balances of $0.00 to $2,499 the rate is 0.55% APY
For savings account balances of $2,500 to $9,999 the interest rate earned is 0.65% APY
For balances of $10,000 to $24,999 the rate is 1.41% APY
For savings account balances of $25,000 to $49,999 the interest rate is 1.51% APY
And for balances of $50,000 and up the yield earned is 1.61% APY

Premium savings account rates with a minimum of $10,000 to open:
   
For account balances of $10,000 to $24,999 the interest rate is 1.71% APY
For savings balances of $25,000 to $49,999 the rate is 1.81% APY
For balances of $50,000 to $99,999 the rate earned is 2.12% APY
Balances of $100,000 to $249,999 the interest rate rises to 2.63% APY
And for balances greater than $250,000 the rate is 2.68% APY

The bank certificates of deposits can be fixed upon a period of six months to five years.  There is a minimum opening deposit of $1,000 for the bank CDs with the exception of the 30 day CD which requires a $2,500 opening deposit.  .

Current CD rates and terms:

30 day CD rate is 1.00% APY
3 month CD earns a rate of 1.26% APY
6 month CD has an interest rate of 1.76% APY
7 month CD yields a rate of 2.01% APY
One year CD rate is 2.50% APY
13 month CD earns a rate of 2.73% APY
18 month CD has an interest rate of 2.78% APY
19 month CD yields a rate of 2.83% APY
Two year CD rate is 2.93% APY
25 month CD earns a rate of 2.98% APY
30 month CD has an interest rate of 3.03% APY
Three year CD yields a rate of 3.08% APY
Four year CD has a rate of 3.13% APY
Five year CD rate is 3.19% APY

Bank rates, savings rates and CD rates subject to change.  For current CD rates and account information the bank can be reached directly at 863-299-0600.  The Providence Bank website has additional information regarding bank products and rates, the website can be found at www.providencebankfla.com.

Florida Bank Rates and CD Rates at Central Bank

Central Bank is a local community bank located in Hillsborough County, Florida.  As a local community bank, Central Bank’s goal is to serve the community, its people and local businesses.  The bank offers an array of savings products for consumers from their one location in Tampa.
  
Central Bank CDs are available in a variety of terms.  There is a $2,500.00 minimum deposit to open the bank CDs. The annual percentage yield assumes the accrued CD interest will remain on deposit until maturity.  A withdrawal of interest will reduce earnings.  Bank CDs automatically renewable for convenience with a 10 day grace period.  Interest can compound back into the CD or by direct deposit to a Central Bank checking account or savings account.

Current CD rates for standard CD rates and terms:

1 month CD rate is 1.15% APY 
6 month CD has an interest rate of 1.95% APY 
One year CD rate is 2.10% APY 
Two year CD yields a rate of 2.50% APY 
Three year CD interest rate is 2.60% APY 
Five year CD rate is 3.00% APY
 
Central Bank also offers several special CD rates and terms.  For those individuals looking for a liquid CD, the Central Bank Advantage CD may be the right product.  With this liquid CD, the account holder can have their savings grow at competitive CD rates, but also be able to tap into the funds without having to pay traditional bank CD early withdrawal penalties.  There is a $5,000.00 minimum deposit to open.  The bank CD allows the account holder to have the option of withdrawing $500 or more one time a month and deposit amounts of $500 or more anytime up to the $100,000 maximum balance.

The Advantage 7 month CD rate is 2.50% APY

Central Bank also offers a bump up CD called the Rate Watcher CD.  With the Central Bank one year or two year Rate Watcher CD, the CD account holder can choose a CD interest rate increase when they think it is best.  There is one increase for a 12-month CD and two increases for a 24-month CD.  The CD account holder can just call the bank and let them know you want to “bump-up” the current CD rate.  There is a $5,000.00 minimum deposit to open.  Interest can compound back into CD or by direct deposit to a Central Bank checking account or savings account.

The Rate Watcher One year CD rate is 2.10% APY
The Rate Watcher Two year CD rate is 2.25% APY 

Central Bank also offers an excellent rate on their money market account.  The money market account requires a $100 minimum deposit to open.  The money market account works on a tiered interest rate structure.  Interest is calculated and compounded daily on the collected balance and credited to the account monthly.  There is a $2500 minimum collected balance required to earn interest on the account.  The money market account has a $10 monthly maintenance fee that can be avoided by maintaining a $2,000 minimum daily ledger balance.  Transaction limitations apply on the money market account.  The account offers free online banking.

For money market account balances of $0.00 – $2,499.99 the account earns no interest.   
For money market account balances of $2,500 – $9,999.99 the rate is 0.75% APY  
For balances of $10,000 – $24,999.99 money market account earns a rate of 1.00% APY  
For money market account balances of $25,000 – $49,999.99 the rate is 1.20% APY  
For balances of $50,000 – $99,999.99 money market account rate is 1.35% APY 
And for balances on the account of $100,000 and over the rate is 1.50% APY 

CD rates and bank rates are subject to change, contact Central Bank directly at 813-929-4477 for current rate and account information.  Additional information regarding bank products and bank rates can be found at the Central Bank website located at www.centralbankfl.com.

Mother Lode CD Rates

Mother Lode Bank is based in Sonora, California.  It is a locally owned and operated bank.  Mother Lode Bank opened for business on July 30, 2004.  Mother lode Bank has two bank branches in Sonora and a loan production office located in Murphys, California.  The bank offers a number of deposit products including checking accounts, savings accounts, money market accounts and certificates of deposit (CD)

The bank CDs offer two options to obtain a fixed rate for terms from one month to three years.  The first option is to open a stand alone CD and the second option is a bank CD combined with a checking account.  The bank CD accounts that also have a checking earn a higher rate of interest.  CD interest is compounded monthly and posted to the account monthly.  There is a $1,000 minimum to open these bank CDs and obtain the posted annual percentage rate.

Current CD rates and terms:

30 day CD rate is 0.10% APY    
3-5 month CD earns a rate of 0.35% APY    
6-11 month CD has an interest rate of 0.75% APY    
12-23 month CD yields a rate of 1.00% APY    
24-35 month CD also earns an interest rate of 1.00% APY    
36 month CD rate is1.25% APY
   
Current CD rates and terms with checking account:

30 day CD rate with checking account is 0.35% APY
3-5 month CD rate with checking account is 0.85% APY
6-11 month CD rate with checking account is 1.25% APY
12-23 month CD rate with checking account is 1.50% APY
24-35 month CD rate with checking account is 1.66% APY
36 month CD rate with checking account is 2.01% APY

Bank rates and CD rates subject to change prior to account opening.  For additional information, a bank representative can be reached at 209-694-8400.  The Mother Lode Bank website also post timely bank rate information, the bank web address is www.motherlodebank.com.

Bank Rates and CD Rates at California General

California General Bank started business in the first quarter of 2009.  The bank is an independent commercial bank based in Pasadena, California.  California General Bank specializes in the financial needs of the small to medium size privately owned business, professionals, and high net worth individuals.  For personal savings accounts, the bank offer several different accounts, from traditional savings to CDs to IRAs.

California General Bank CDs feature maturities from thirty days to five years, the amount of interest on the CDs is determined by the rate at time of purchase.  The opening minimum deposit requirement for the bank CDs is $2,500.  The interest earned on the bank CDs is compounded daily and paid monthly, quarterly, annually or at maturity.

The bank is offering the current CD rates and terms for balances of $10,000 and greater:

30 – 89 day CD rate is 0.50% APY
90 – 179 day CD earns an interest rate of 1.01% APY
180 – 364 day CD has an interest rate of 1.26% APY
1 year – 729 day CD rate is 1.61% APY
2 year – 1094 day CD yields a rate of 1.71% APY
3 year – 1459 day CD has a rate of 1.77% APY
4 year -1824 day CD earns an interest rate of 1.77% APY
5 year CD rate is 1.77% APY
18 month variable rate CD yields an interest rate of 1.01% APY

Promotional certificates of deposit offers:

9 month CD rate for balances of $100,000 rate is 2.28% APY, CD renews for 6 months after maturity.  Minimum opening deposit of $100,000 is required. Special CD rate is applicable to only the initial term.  At maturity, the special bank CD will automatically renew for the renewal term stated above, at the CD interest rate and APY in effect for CDs not subject to a special rate.

California General Bank is also offering a promotional money market account that has a minimum deposit to open of $5,000.  Special rates apply only to new money market accounts opened before June 30, 2009 with new money.  Rate guarantee expires June 30, 2009.  Money market promotional rate is 2.53% APY for balances greater than $5,000.

All CD rates and money market rates are subject to availability and change without notice, please check with the local bank branch office for the most current available rates.  The initial rate assigned will be the rate in effect as of the date that the initial deposit is received.  For current bank rate information call a bank representative at 626-683-9182.  California General Bank website contains a wealth of information on the various savings accounts bank rates, CD rates and more.  The bank website can be found at www.calgenbank.com.

Pennsylvania CD Rates with Manor Bank

Manor Bank is based in Pennsylvania and has been for over 100 years.  Not only has this bank been in business since 1902 but to close out the year of 2008, Manor Bank showed 0 % of their outstanding loans as noncurrent and had bank performance ratios that were double the FDIC required amounts.  That achievement is worthy of the keys to the city ( which they probably already have ).

Manor Bank offers a wide range of products and services to meet a variety of banking and savings needs from free checking accounts to savings accounts and a plethora of consumer loan products.

Manor Bank certificate of deposit accounts earn a higher rate of interest than standard bank savings products and the CDs lock in that rate for a specific length of time.  Minimum deposit amounts are required and various CD terms are available. Early withdrawal penalties may also apply. 

1 year CD rate is 1.75% APY 
2 year CD rate is 1.85% APY 
3 year CD rate is 1.95% APY

The bank CD accounts require a $1000.00 minimum balance to open the accounts and obtain the stated APY.  All CDs have a penalty for early withdrawal.  Earned CD interest is compounded annually.

The Manor Bank passbook savings account also earns a competitive rate of interest and is currently yielding a rate of .50% APY.  All transactions in the passbook savings account are posted in the account holders passbook.  The savings account has a $100.00 minimum balance required to open account.  Fees could reduce earnings.  There will be a $5.00 monthly service fee if the balance drops below $100.00 at any time during the month.  Savings account is accessible on-line, by telephone or by ATM.  Interest is compounded semi-annually.
 
CD rates are subject to change without notice prior to opening these accounts.  Call a bank reprsenataive for current bank rates and CD rates at 724-863-5510.  Additional bank rate information and account details can be found at Manor Bank’s website, located at www.manorbank.com.

California CD Rates at American Plus Bank

American Plus Bank, National Association, is a federally chartered full service commercial bank founded in 2007.  American Plus Bank is an independent, community bank headquartered in Arcadia, California.  The bank provides financial products to the individual and business communities in San Gabriel Valley and surrounding areas in Los Angeles County.

American Plus Bank provides a variety of services and savings products to meet personal banking and savings needs.  The bank time certificates of deposit can be opened with a $1,000 minimum opening balance.  Bank CD terms run from 7 days to 3 years in length.

American Plus Bank current CD rates and terms:

7 – 30 day CD earns a rate of 1.51% APY
31 – 89 day CD has an interest rate of 1.76% APY
90 – 119 day CD yields a rate of 2.02% APY
120 – 149 day CD also earns a rate of 2.02% APY
150 – 179 day CD has a rate at 2.02% APY
180 – 269 day CD rate is 2.32% APY
270 – 364 day CD rate is also at 2.32% APY
1 year CD to 23 month CD rate is 2.53% APY
2 year CD to 36 month CD earns an interest rate of 2.78% APY

American Plus Bank money market account offers a great yield on balances as low as $2,500.  This is a tiered money market account with a $100 minimum opening balance.  There is a $2,500 minimum average balance threshold on the money market account to avoid monthly service charges.  The money market account is limited to six pre-authorized automatic or telephone transfers, but no more than three of the six transfers may be made by check or draft to third parties.  There is a $10 charge for each transaction above the limitation.

American Plus Bank money market account rates and balances:

Balances of $0.01to $2,499.99 yields an interest rate of 0.75% APY.  $2,500.00 to $9,999.99 balances in the money market account earns an interest rate of 1.51% APY.  Money market account balances of $10,000 to $24,999.99 has an interest rate of 1.76% APY.  And balances in excess of $25,000 has a rate of 1.92% APY.

The American Plus Bank savings account is also providing an exceptional yield for low daily balances.  The personal savings account has a rate of 0.50% APY based on balances of $0.01 to $999.99.  For balances over $1,000.00, the savings account earns an interest rate of 2.50% APY.

This savings account requires a $100 minimum opening balance with a $300 minimum average balance to avoid monthly service charges.  The savings account limits withdrawal activity to six or less.

Bank rates are subject to change.  Rates effective as of March 24, 2009.  For present bank rates, savings rates, money market account rates and CD rates contact a bank representative at 626-821-9188.  The American Plus Bank web address is at www.bankaplus.com, the site posts up to date bank rate data as well as more detailed account information.

California CD Rates Coronado First Bank

Coronado First Bank is a community bank established in 2005 with the mission to support the deposit and credit needs of Coronado residents and support the commercial banking and cash management service needs of the small and medium-sized businesses and professionals in Coronado and in the surrounding areas within San Diego.

Coronado First Bank offers commercial banking services and various deposit products that include personal checking, personal savings, CDs and money market accounts.  The bank CDS range in length from 30 days to 5 years.  These certificates of deposit require a $1,000 minimum opening deposit.

Current bank CD rates and terms:

1 month CD earns a rate of 1.26% APY
3 month CD rate is 1.51% APY
6 month CD has an interest rate of 1.92% APY
9 month CD yields a rate of 2.07% APY
One year CD rate is 2.28% APY
18 month CD earns a rate of 2.38% APY
2 year CD rate is 2.53% APY
3 year CD has an interest rate of 2.69% APY
4 year yields a rate of 2.79% APY
5 year CD rate is 2.89% APY

Fees could reduce the earnings on these CD accounts.  CD interest rates and annual percentage yields are current as of 3/12/2009.  Bank rates are subject to change at the bank’s discretion at any time prior to opening these accounts.  Please contact the bank for complete account information, disclosures and up to the minute bank rates and CD rates at 619437-1000.  Current CD rate and bank rate information is also available on the Coronado First Bank website which is located at www.coronadofirst.com.

CD Rates New York at Oneida Savings

Oneida Savings is a full-service, stock savings bank operating eight Central New York Bank branches.  The bank has been serving Central New York since 1866.  The bank offers a whole host of savings products including standard savings accounts, interest bearing checking accounts, NOW, and money market accounts, as well as IRAs and CDs.  It specializes in real estate lending, and writes home equity, auto, business, and consumer loans as well.

CD rates and terms for deposits greater than $500.00:

3 month has an interest rate of 1.00% APY.
6 month rate is 1.15% APY.
One year CD rate is 1.40% APY.
18 month CD earns a rate of 1.65% APY.
Two year CD rate is 1.90% APY.  
30 month CD has an interest rate of 2.00% APY.
Three year CD yields an interest rate of 2.15% APY.
Four year CD earns a rate of 2.40% APY.
Five year CD rate 2.75% APY.

CD rates and terms for deposits greater than $10,000.00:

3 month CD rate is 1.00% APY.
6 month CD earns a rate of 1.25% APY.
One year CD rate is 1.50% APY.
Two year CD rate is 2.00% APY.
30 month CD yields an interest rate of 2.10% APY.
Three year CD yields an interest rate of 2.25% APY.
Four year CD earns a rate of 2.50% APY.
Five year CD rate is 3.00% APY.

Oneida Savings also offers a great rate on their money market checking account.  This bank money market account has a tiered interest rate pay out.  For money market account balances of $0-999.99 the rate is 0.00% APY.  When the money market account balances reaches $1,000-9,999.99 the rate earned is .50% APY.  For money market account balances of $10,000.00-24,999.99 the interest rate increases to .75% APY.  And for balances in the money market account in excess of $25,000 the interest rate rises to 1.00% APY.

Money market rates are variable rate accounts and the bank rates on this product are subject to change without notice.

Bank CD rates are subject to change without notice prior to opening the account.  Fees assessed may reduce earnings.  For current CD rates and account information, contact a Oneida Savings representative at 315-363-2000.  Oneida Savings web address is www.oneidabank.com, at their website the bank also posts bank rate information including savings rates and lending rates.

CD Rates in MA with Watertown Savings Bank

Watertown Savings Bank is a full service, FDIC insured mutual bank headquartered in Watertown, Massachusetts.  The bank was established back in 1870 in an era before electricity, telephones, cars or computers.  The bank currently has over $1.0 billion dollar in assets.  In addition to its headquarters in Watertown, the bank has nine other bank branches in the region.

The bank CDs offer competitively positioned interest rates that allow the account holder the ability to enjoy the comfort of earning a higher rate of interest on the invested funds while avoiding any risk to the principal.  The bank offers competitive rates on these CDs and a broad range of maturity dates.  Interest earned on the bank CDs is compounded monthly or can the bank CD holder can opt to have their monthly dividend mailed directly to them.

Watertown Savings Bank latest CD rates and terms:

The bank offers three special bank CD rates for bank checking account customers.  To open these bank CDs and earn the advertised CD rate the account holder must have and maintain an active Watertown Savings Bank checking account.  If the account does not remain “active” the CD interest rate will be reduced by 1.00%.  Active checking account is defined as either direct deposit of your payroll or social security check, or at least five transactions per month within 60 days of account opening.

Seven month CD rates has a 1.00% APY
27 month yields a rate of 2.00% APY
47 month CD interest rate is 3.00% APY

The bank is also promoting a Special Money Market CD.  This bank CD allows deposits and withdrawals of $1,000.00 + during the term (must be six calendar days between withdrawals). Maximum balance is $500,000.00.

120-Day Money Market CD rate .50% APY

Standard bank CD rates and terms.

Three month CD rate is .50% APY.
Five month CD rate is also at .50% APY.
Six month CD rate, nine month CD rate, eleven month CD rate and one year CD rate are all currently set at .50% APY.
Fifteen month CD rate is .75% APY.
Eighteen month CD rate is also at .75% APY.
Two year CD rate and thirty month CD rates are set at .75% APY.
The three year CD rate, four year CD rates, five year CD rate and six year CD rate are at 1.00% APY.
Bank rates and CD rates are effective through 4/1/09 and are subject to change without notice.  For more information on bank accounts and bank rates, contact the bank at 315-788-7100.  Watertown Savings Bank has a website that holds an assortment information on the various bank products including savings rates, CD rates and other bank rates.  The bank web address can be found at www.wsbny.com.

Illinois CD Rates at State Bank of Bement

State Bank of Bement is a community bank in Bement, Illinois that has been in operation since 1914.  State Bank of Bement offers personal and commercial banking services.

The bank offers a wide variety of certificate of deposits with very competitive rates and terms.  For consumers who are looking for a short-term investment or long term planning, these certificates of deposit may very well fit your investment needs.

Current CD rates and terms:

7-90 day certificate of deposit rate is 1.00% APY
3 month certificate of deposit earns an interest rate of 1.10% APY
6 month certificate of deposit has an interest rate 1.40% APY
One year certificate of deposit rate is 1.71% APY
18 Month certificate of deposit yields a rate of 1.86% APY
30 Month certificate of deposit rate is 2.01% APY

Bank CDs with maturities of 6 month or less require a $1,000.00 minimum deposit.  Bank CDs with maturities of one year or more require a $500.00 minimum deposit.

Bank CD rates subject to change prior to opening the account.  Up to date CD rates can be obtained by calling a local State Bank of Bement representative at 217-678-2311.  The bank also provides a web site with bank rates and saving rates data, the bank web address can be found at www.bankbement.com.

CD Rates in New York at Watertown Savings Bank

Watertown Savings Bank provides consumer and commercial banking products and services in New York.  Watertown Savings Bank was founded in 1894 and is based in Watertown, New York.  The bank offers standard savings products including savings accounts, money market account and CDs as well as an assortment of lending products.

Watertown Savings Bank certificates of deposit and IRA accounts are a safe and secure way to earn a higher return on investment funds.  Maturities for the bank CD’s range from 6 months to 5 years.  Minimum balance to open a bank CD is $500.00.  6 month bank CD accounts are simple interest, paid quarterly and at maturity.  1 to 5-year bank CD accounts are compounded daily and credited quarterly and at maturity.  CD interest earned can be credited to the account, transferred to any statement account, or mailed.  A penalty may be imposed for withdrawals before maturity.  Fees may reduce earnings.

Current bank CD rates and terms:

6 month CD rate is 1.65% APY
1 year CD rate is 1.80% APY
18 month CD earns an interest rate of 2.00% APY
2 year CD yields a rate of 2.00% APY
3 year CD has an interest rate of 2.26% APY
4 year CD earns a rate of 2.51% APY
5 year CD rate is 2.78% APY

The bank also offers a competitive rate on their savings account that currently yields a rate of 1.02% APY.  Transfers from this account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month.  Interest is compounded daily and paid quarterly.  A minimum deposit of $ 10.00 is required to open this savings account.  A minimum balance of $100.00 in the account every day is required to obtain the annual percentage yield on the savings account.

Bank rates and CD rates are effective through 4/1/09 and are subject to change without notice.  For more information on bank accounts and bank rates, contact the bank at 315-788-7100.  Watertown Savings Bank website has current CD rate information and additional information on bank products, the bank web address can be found at www.wsbny.com.

Texas CD Rates, Oglesby State Bank

Oglesby State Bank is a based in Oglesby, Texas and has just one bank location.  This relatively small bank offers a wide variety of account options including checking, interest-bearing accounts, commercial checking, savings accounts, certificates of deposit accounts and IRA’s.  With the wide array of savings options, consumers in the area are sure to find an account option that is just right for their financial needs.

Oglesby State Bank offers CD’s for those who are looking for higher rates of returns over standard bank savings products.  The interest rates are fixed for the term of the CD and interest is calculated daily and compounded monthly, quarterly or semi-annually.  The interest earned on these CDs may be reinvested, credited to an Oglesby State Bank checking account, savings account, or money market account, or paid to the customer by check.  The bank offers abroad selection of terms from 30 days to 60 months.  The bank CD’s are automatically renewable and there is a grace period for withdrawal or deposit without penalty at the time of renewal.  Early withdrawals will be subject to a substantial penalty.

Select the CD rate and term that is best suited for your savings objectives.

30 day CD rate is 0.74% APY
3 month CD earns a rate of 1.50% APY
6 month CD rate yields 1.76% APY
One year CD rate is 2.01% APY
18 month CD has an interest rate of 2.06% APY
Two year CD earns a rate of 2.11% APY
30 month CD yields an interest rate of 2.17% APY
Three year CD has a rate of 2.17% APY
Five year CD rate is 2.37% APY

Bank CD rates are subject to change prior to opening the account and additional conditions may apply.  For current bank rates and CD rates contact a bank representative of Oglesby State Bank at 254 470-2261.  For more bank rates as well as CD rates visit the bank website located at www.oglesbysb.com.

Illinois CD Rates at Bank of Chestnut

Bank of Chestnut was formed as a private bank in 1902 and is located in central Illinois.  The bank has maintained the same location for over 100 years in the Village of Chestnut, Illinois.  Bank of Chestnut offers several savings products including; bank CDs, money market accounts, savings accounts and NOW accounts.

A minimum deposit is $1,000.00 is required to open any of the bank certificates of deposit.  These CD accounts are fixed rate and fixed term interest bearing deposits. CD interest rates are fixed until the maturity date of the certificate.  Interest is compounded daily and credited annually, semiannually, quarterly or monthly based on the actual term of the certificate of deposit the consumer may choose.  The bank employs the daily balance method to calculate the interest on the bank CDs.  This method applies a daily periodic rate to the principal in the account each day.

Current CD rates and terms:

91 day CD rate is 1.31% APY
182 day CD yields a rate of 1.77% APY
One year CD rate is 1.92% APY
18 month CD has a rate of 2.33% APY
Two year CD rate is 2.43% APY
Three year CD yields an interest rate of 2.74% APY
Four year CD has a rate of 2.84% APY
Five year CD rate is 3.15% APY
   
Bank CDs can be either single maturity or automatically renewable certificates.  If a bank CD is a single maturity certificate, it can be presented promptly at maturity, as no interest is payable after the maturity date. If a certificate of deposit is automatically renewable, the CD account holder will have a grace period of 10 days from maturity date to present this certificate for payment without penalty.  If the certificate of deposit automatically renews, it will be renewed at the current CD rate in effect at the date of maturity

The bank also offers a competitive rate on their money market account.  The money market account currently earns an interest rate of .75% APY for balances greater than $2,500 and the money market account yields an interest rate of 1.01% APY for balances over $50,000.

At the bank’s discretion, they may change the interest rate on the money market account.  The interest rate earned may change as often as every day.  Interest will be compounded every month and will be credited to the money market account every month.  There is a minimum deposit of $2,500 to open the money market account.  A maintenance fee of $5.00 will be imposed each monthly statement cycle if the average daily balance for that cycle falls below $2,500.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The money market account allows for no more than 6 withdrawals or transfers from your account each statement cycle, only three withdrawals can be by check.  A fee of $5.00 per item will be assessed if these limits are exceeded.

These bank rates are the latest rates available.  These rates are subject to change on a daily basis.  You may call the bank directly at 217-796-3305 for current bank rates including CD rates.  Additional disclosures effecting the bank CD interest rates or frequency of interest rate changes are available on the bank website located at www.bankofchestnut.com.

CD Rates at Silver Lake Bank

Silver Lake Bank was opened in 1909 in Topeka, Kansas.  The bank also has three other bank branches in Kansas serving the local communities.  Silver Lake Bank serves these communities with a variety of individuals and businesses bank products and services.  Competitive rates of interest are offered on number of savings products and the deposits are insured by the Federal Deposit Insurance Corporation.

Silver Lake Bank’s offer a variety of CD’s terms available to accommodate customer’s needs.  CD earned interest is compounded quarterly on maturities of twelve months or longer.  The bank also has other interest payment options available. 

With a minimum deposit of $500.00, Silver Lake Bank provides the following CD rates and products:

A 91 day CD rate is 0.85 APY.
A 182 day CD rate is 1.15% APY.
A one year CD rate is 1.40% APY.
An eighteen month variable CD rate is 2.02% APY.
A two year jump CD rate is 1.50% APY.
A three year CD rate is 1.60% APY.
And a four year CD rate is 1.70% APY.

The two year jump up CD allows for the interest rate to be changed once during the term of the CD at the owner’s request.

Silver Lake Bank is also currently offering a few CD specials with a minimum opening balance of $500.00:

An eight month CD rate special is 1.90% APY.
A twenty month CD rate special is 2.20% APY.
And a thirty-three month CD rate special is 2.50% APY.

Band CD rates and interest rates are subject to change.  Additional conditions may apply.  To contact the bank directly for account information and current bank CD rates call 785-0232-0102.  More bank product information as well as current interest rates can be found on the bank website which is located at www.silverlakebank.com.

Kansas CD Rates First National Bank

First National Bank of Syracuse has been serving the communities of southwest Kansas for over 100 years.  The bank’s main location is in Syracuse, Kansas but also has a branch in Johnson, Kansas and two branches in Garden City, Kansas.  Whether it is checking accounts, savings accounts, CDs, investments or loans, the bank offers the latest in financial services at very competitive interest rates.

With daily balance of $500.00-$49,999.99 First National Bank of Syracuse provides the following CD products:

A 91-181 day CD rate is 1.46% APY.
A 182-364 day CD rate is 1.48% APY.
A twelve month CD rate is 2.47% APY.

With a minimum balance of $500.00 First National Bank of Syracuse also offers the following rates:

A seven month CD rate is 2.61% APY.
A twenty-four month CD rate is 2.78% APY.
And thirty-six month CD rate is 2.78% APY.

With a minimum opening balance of $500.00 First National Bank of Syracuse is currently offering the following thirteen month CD special:

A thirteen month CD with a rate of 2.58% APY.

With a minimum opening balance of $5,000.00 First National Bank of Syracuse is also currently offering the following twenty-seven month CD special:

A twenty-seven month CD special rate is 3.03% APY.

CD interest rates are subject to change prior to account opening.  Additional conditions may apply to open these bank accounts.  To contact the bank directly for more information on bank rates and accounts call 620-384-7441.  More bank product information as well as current interest rates can be found on the bank website which is located at www.fnb-windmill.com.

Community Capital Bank CD Rates

Community Capital Bank opened in August of 2002.  Since the opening in Jonesboro, the bank has expanded to three full service banking locations, including Fayetteville and Stockbridge Georgia.  The bank products and services are designed for both commercial and consumer clients,  the bank however portrays itself as being  especially experienced in commercial bank lending and deposit services including real estate lending of all types, business start-up financing, inventory, accounts receivable and equipment financing and SBA lending resources.  Deposit services include various checking accounts, internet banking and Biz Pay and our On-Site Teller service which is like putting a teller window in your office.

Customers can open a bank CD with Community Capital Bank for as little as $500.  With a minimum opening deposit of $10,000.00, the bank offers the following CD rates and products:

A thirty day CD rate is 1.50% APY.
A sixty day CD rate is 1.75% APY.

With a minimum opening deposit of $500.00, Community Capital Bank also offers these CD rates and products:

A ninety day CD rate is 2.00% APY.
A six month CD rate is 2.50% APY.
A twelve month CD rate is 3.00% APY.
An eighteen month CD rate is 3.15% APY.
A twenty-four month CD rate is 3.30% APY.
A thirty month CD rate is 3.45% APY.
A thirty-six month CD rate is 3.50% APY.
A forty-eight month CD rate is 3.55% APY.
And sixty month CD rate is 3.60% APY.

Bnak CD interest rates are subject to change.  Additional conditions may apply.  To contact the bank directly for current band rate information call 770-472-5020.  More bank product information as well as current interest rates can be found on the bank website which is located at www.ccbank.us.

Alaska CD Rates at Northrim

Alaska is the largest state with the lowest population density in the nation and home to Northrim Bank.  Northrim Bank is a full-service commercial bank that provides a full range of personal and business banking services.  Northrim Bank was founded in 1990 and is headquartered in Anchorage, Alaska. The bank provides its banking services through 11 bank branch locations in Anchorage, Eagle River, Wasilla, and Fairbanks, Alaska. 

Make the most of available investment funds with the bank CD offers.  CD terms range from 30 days to five years.  Bank CDs automatically renews at maturity for the same term at the prevailing interest rate.  No withdrawal penalty during 10 day grace period following maturity.  Only $500 minimum for investment in these CDs.

Current CD rates:

One month CD rate is 0.20% APY
Three month CD earns an interest rate of 0.50% APY
6 month CD rate is offered at 0.70% APY
1 year CD yields a rate of 1.25% APY
2 year CD has an interest rate of 1.65% APY
3 year CD rate is1.85% APY
4 year CD earns an interest rate of 2.05% APY
5 year CD has a rate of 2.25% APY

Northrim Bank also offers Jump-Up CDs.  These bank CDs allow the accountholder the option to increase earnings when interest rates rise.  Jump or increase the CD interest rate once on a 12 month and twice on terms of 18 month or more, just stop by any bank branch or call their customer service representatives.  Customers can choose CD terms that fits their needs best from one year CDs, 18 month CDs, two year CDs, or three year CDs.  Additional deposits allowed. 

Jump-Up CDs rates:
   
1 year CD rate is 1.25% APY
18 month CD earns a rate of 1.45% APY
2 year has an interest rate of 1.65% APY
3 year CD rate is 1.85% APY

The Annual Percentage Yield is based upon the assumption that interest earned remains in the account until maturity.  Interest withdrawals and fees will reduce earnings.  For information on the banking products listed above, including bank rates, CD rates, calculations, frequency of rate changes, minimum balance requirements, call Northrim Bank at 800-478-2265.  The bank website has information on bank rates and account details and can be found at www.northrim.com.

Bank Rates with Newburyport Five Cents Savings Bank

The Newburyport Five Cents Savings Bank is a Massachusetts bank that has been building consumer banking relationships since 1854.  The bank is a community bank with six locations offering a full range of consumer and business banking products and services.

For consumers who have a specific amount of money available for long term financial planning, a certificate of deposit is the type of account that will give some of the best yields.  All of the bank CD specials offer a competitive rate of return.  Bank CD accountholders may select the term that is right for their financial needs.  These accounts are safe and secure, FDIC insured with a guaranteed rate for the term of the CD.

Newburyport Five Cents Savings Bank current CD rates:

91 day CD rate is 1.26% APY 
6 month CD earns a rate of 1.51% APY 
One year CD rate is also at 1.51% APY 
15 month CD yields a rate of 1.77% APY 
18 month CD has an interest rate of 2.02% APY 
Two year CD rate is 2.28% APY 
30 month CD rate is also set at 2.28% APY 
Three year CD earns an interest rate of 2.79% APY 
Four year CD yields an interest rate of 3.30% APY 
Five year CD rate is 3.56% APY 

All bank CDs require a minimum deposit of $500.00 with the exception of the 91 day and 6 month CD which both require a minimum deposit of $2,500.00.

Newburyport Five Cents Savings Bank offers other savings programs including a money market account.  There are several important features that make the money market account an attractive investment.  The bank money market account offers competitive rates, full insurance protection, withdrawals, and checkwriting privileges.

Newburyport Five Cents Savings Bank current money market account rates:

For money market account balances of $50,000.00 and up the rate is 1.51% APY
Money market account balances of $10,000.00 – $49,999.99 the rate is 1.26 % APY
Money market account balances of $2,500.00 – $9,999.99 yield a rate of 1.01% APY
Money market balances of $10.00 – $2,499.99 have a rate of 0.25% APY
Balances between $0.00 – $9.99 offers a 0.00% rate.

Fees could reduce earnings on the money market account.  All rates are subject to change, after the account is opened.  If minimum balance falls below $2,500.00, the interest rate will revert to 0.25% APY 0.25%.

Bank CD rates and money market account subject to change prior to opening the account.  Additional information on bank rates can be obtained from any one of the bank customer service representatives at 978-462-3136.  Newburyport Five Cents Savings Bank website maintains up to date bank rates including CD rates, money market account rates and savings rates.  The website is located at www.newburyportbank.com.

For car loan rates please visit www.selectautorates.com.  For mortgage rate information visit www.selectcalculators.com.

CD Rates Dakota County State Bank

Dakota County State Bank is based in South Sioux City, Nebraska and offers a variety of consumer and business bank products.  The bank has three bank branches in the region.  The bank offers competitive rates for the region on savings accounts, money market accounts and CDs.  The bank CDs earned interest is compounded and credited quarterly.  The CD rate paid is earned until first maturity.  A penalty may be imposed for early withdrawal.

Current CD rates and terms:

3 to 5 month CD rates for balances of $1,000 – $9,999 is 1.00% and a 1.00% APY
3 to 5 month CD rates for balances of $10,000- $24,999 is 1.10% and a 1.10% APY
3 to 5 month CD rates for balances of $25,000 and greater is 1.24% and a 1.25% APY
6 to 11month CD rates with a balance of $1,000 – $9,999 is 1.59% and a 1.60% APY
6 to 11month CD rates with a balance of $10,000- $24,999 is 1.69% and a 1.70% APY
6 to 11month CD rates with a balance of$25,000 & greater is 1.84% and a 1.85% APY
One year to 17 month CD rates with a balance of $1,000 – $9,999 is 1.74% and a 1.75% APY
One year to 17 month CD rates with a balance of $10,000- $24,999 is 1.84% and a 1.85% APY
One year to 17 month CD rates with a balance of $25,000 & greater is 1.99% and a 2.00% APY
18 to 23 month CD rates for balances of $1,000 – $9,999 is 1.94% and a 1.95% APY
18 to 23 month CD rates for balances of $10,000- $24,999 is 2.03% and a 2.05% APY
18 to 23 month CD rates for balances of $25,000 & greater is 2.18% and a 2.20% APY
Two year to 35 month CD rates on balances of $1,000 – $9,999 is 2.13% with a 2.15% APY
Two year to 35 month CD rates on balances of $10,000- $24,999 is 2.23% with a 2.25% APY
Two year to 35 month CD rates on balances of $25,000 & greater is 2.38% with a 2.40% APY
Three year to 47 month CD rates for amount between $1,000 – $9,999 is 2.38% with a 2.40% APY
Three year to 47 month CD rates for amount between $10,000- $24,999  2.48% with a 2.50% APY
Three year to 47 month CD rates for amount between $25,000 & Greater 2.62% with a 2.65% APY
Four year to 59 month CD rates with balances of $1,000 – $9,999 is 2.72% with a 2.75% APY
Four year to 59 month CD rates with balances of $10,000- $24,999 is 2.82% with a 2.85% APY
Four year to 59 month CD rates with balances of $25,000 & greater is 2.97% with a 3.00% APY
Five year CD rates for balances of $1,000 – $9,999 is 2.72% and a 2.75% APY
Five year CD rates for balances of $10,000- $24,999 is 2.82% and a 2.85% APY
Five year CD rates for balances of $25,000 & greater is 2.97% and a 3.00% APY

The bank CD interest rates and annual percentage yield may change at any time at the bank’s discretion.  The annual percentage yield assumes interest remains on deposit until maturity.  Additional conditions ay apply to open these CD accounts.  For current bank rate information and CD account details a bank representative can be reached at 402-494-4215.  The bank web address is www.dcsb.com, the website holds further information on bank rates and CD rates as well as consumer and business account facts.

More Mass. CD Rates

Avidia Bank is a relatively new Massachusetts bank formed by the merger of two banks.  Avidia Bank was formed in 2007 by the merger between Hudson Savings Bank and Westborough Bank.  Avidia has approximately $1 billion in assets and nine bank branches located in seven towns in central Massachusetts: Hudson, Westborough, Clinton, Leominster, Marlborough, Northborough and Shrewsbury.

Avidia Bank offers certificates of deposits in just about any term needed: from 3 months to 5 years or more.  A minimum deposit of $1,000 is required to open a bank CD.  Interest is posted on the 15thof each month and at the maturity of the CD.  CD interest payments may be transferred to another account, left to accumulate in the CD or sent to the account holder by check monthly, quarterly, semi-monthly or annually.  A penalty will be charged for early withdrawal of principal from the CD.

Avidia Bank CD rates and terms:

3 month CD earns an interest rate of 1.82% APY 
6 month CD rate is 2.17% APY 
12 month CD rate is 2.53% APY
Two year CD has an interest rate of 2.84% APY 
Three year CD yields a rate of 3.10% APY 
Four year CD earns a rate of 3.30% APY 
Five year CD rate is 3.46% APY

Avidia Bank also offers high yielding money market account.  The money market account allows account holders to earn higher money market interest rates while enjoying some check writing privileges.  Money market interest is paid on any balance over $1,000.  Interest is earned on balances of $.01 and higher.  The rate earned on the money market account is tiered: the higher the balance, the higher the interest rate.  If the money market account balance falls below $1,000, this account reverts to the bank’s Value NOW Account interest rate.  The money market account is charged a $5.00 monthly maintenance fee for any statement period when the balance falls below the $1,000.  The money market account allows unlimited over-the-counter withdrawals, but there is a limit of six pre-authorized automatic computer transfers or check withdrawals per statement period.  No more than three of these withdrawals may be to a third party.  The minimum opening deposit is $1,000.  Withthe money market account the account holder can make unlimited deposits, withdrawals or transfers using an ATM (there are some restrictions on accessing money market accounts with a Check Card).

Money market account rates:

Account balance $0.01 – $9,999.99 has an interest rate of .75% APY
Account balance $10,000.00 – $49,999.99 earns a rate of .75% – 1.16% APY
Account balance $50,000.00 – $99,999.99 yields a rate of 1.16% – 1.26% APY
Account balance $100,000.00 or greater rate is 1.26% – 1.45% APY

Bank rates subject to change.  Additional conditions may apply to open these accounts and earn the posted rates.  For current bank rates and CD rates contact a bank representative at 800-508-2265 or 978-562-2222.  Avidia Bank also maintains a web site that holds the latest bank rate information including CD rates, savings rates and checking rates.  The bank web address can be found at www.avidiabank.com.

For car loan rates visit www.selectautorates.com.  For mortgage information visit www.selectcalculators.com.

Massachusetts CD Rates, Bank of Fall River

Bank of Fall River is a full service bank that was chartered in 1888.  Bank of Fall River has four full service bank branch locations in Fall River, N. Dighton/Taunton and Fairhaven.  Bank of Fall River has assets of more than $150 million.

In order to meet different savings needs, Bank of Fall River also offers a number of savings accounts that can be used for a variety of purposes such as retirement or a child’s college education.  Other popular savings accounts such as Christmas Club accounts and money market accounts are also available.  All of the bank savings accounts offer competitive interest rates.

The bank’s Wall Street Checking Account ($2,500 minimum) earns a rate of 1.26% APY.  If the account balance falls below $2,500, the funds still earn competitive interest.  The interest rate for balances under $2,500 is .50% APY.  There is a monthly fee of just $8.00 if your minimum balance falls below $1,000.  There is no per check charge.  The account has unlimited check writing.  Debit card is also available for the account.

Bank of Fall River also offers a money market savings and checking account with a $1,000 minimum that earns a rate of .01% APY.  This money market account earns a competitive rate of interest without restricting the money to the terms of a certificate deposit.  Higher balances earn higher interest rates.  A minimum opening balance of $1,000 is required.  Account owners receive a statement each month with posted transactions.  There is no monthly service fee with a minimum balance of $250.

If you are looking to invest your money for a term ranging from 3 months to 5 years, Bank of Fall River offers some of the most competitive interest rates in the area.  An initial deposit of $500 is all that is required to open one of the bank certificates of deposit. Additional deposits can be made at the time of maturity.  Withdrawals of principal can be made at any time during the life of the C.D., however, a penalty will be incurred if the withdrawal is not made at maturity.  Withdrawals of CD interest may be made at any time with no penalty.

Standard CD rates and terms:

3 month CD rate is 1.51% APY
8 month CD earns a rate of 1.76% APY
One year CD yields a rate of 2.02% APY
2 year CD has an interest rate of 2.53% APY
3 year CD rate is 3.04% APY
4 year CD has a rate of 3.30% APY
5 year CD rate is 3.82% APY
18-month variable rate I.R.A. CD rate is 3.56% APY

Special promotions CDs:

5 month CD rate is 1.76% APY
6 month CD earns a rate of 1.77% APY
9 month CD has an interest rate of 2.02% APY
13 month CD /I.R.A. rate is 2.02% APY
30 month CD rate is 2.68% APY

The 13 Month certificate/I.R.A. requires a minimum deposit of $1,000; all other bank certificates of deposit require a minimum deposit of $500.  A penalty may be applied for early withdrawal.  All bank CD rates are subject to change without notice.  For recent CD rates and account details call Bank of Fall River directly at 508-678-7655.  The bank website also maintains up to date bank rates and CD rates, the web address is www.bankoffallriver.com.

For mortgage rate data please visit www.selectcalculators.com.  For car loan rates visit www.selectautorates.com.

Custer Federal Bank CD Rates

Custer Federal Savings and Loan Association is a small, singular bank located in central Nebraska.  The bank has approximately 13 full time employees.  Custer Federal opened in March of 1925.  The bank specializes in commercial lending but offers a variety consumer products including bank CDs.

Custer Federal offer CD’s for terms of 3, 6, 12, 18, 24,30, and 48 months.  The bank also offers a 36 month step up CD.  Interest on the CDs compounds semi-annually or it may be paid out by check or transfer monthly, quarterly or semi-annually.  A penalty will be applied for early withdrawal

With a minimum opening deposit of $500.00, Custer Federal offers the following CD products:

A three month CD rate is 1.35% APY.
A six month CD rate is 1.75% APY.
A one year CD rate is 1.89% APY.
An eighteen month CD rate is 2.29% APY.
A two year CD rate is 2.47% APY.
A thirty month CD rate is 2.78% APY.
And a four year CD rate is 3.44% APY.

Custer Federal Savings and Loan Association reserves the right to deny the use of any of its banking products based on sound business practices.  Custer Federal offers its banking products to customers within its trade area.

Bank CD interest rates are subject to change.  Additional conditions may apply.  To contact the bank directly for current bank rates and CD rates call 877-860-2266.  More bank product information as well as up to date interest rates can be found on the bank website which is located at www.custerfederal.com.

CD Rates at Adams Bank & Trust

Adams Bank & Trust is a family owned regional bank based in Ogallala, Nebraska.  The bank’s history began in 1916 with a charter for a new state bank being granted to G.D. Adams.  Mel Adams, the current chairman, is the grandson of the founder.  Adams Bank & Trust is one of the largest agricultural lending institutions in the United States.  The bank offers competitive agricultural loan rates for real estate, operating, livestock and equipment.  The bank has been positioning itself to offer bank services and products beyond agriculture, although it remains a significant component of the banks operations.  The bank offers competitive rates for loans on commercial real estate, consumer loans, real estate loans, operating and equipment loans.  Adams Bank & Trust provides financial services including estate planning, and investments such as annuities and mutual funds.  The bank also offers standard consumer products such as checking accounts, money market accounts and certificates of deposit.

For clients interested in the CD features, you can invest your funds in a CD for any term ranging from 1 month to 60 months and receive a corresponding rate of interest for that term.  Options for interest include compounding or deposit to another account at Adams Bank & Trust.  The current CD rates being offered by Adams Bank & Trust include:

1 month CD that earns an interest rate of 0.50% APY
3 month CD that has an interest rate of 1.00% APY
6 month CD has an interest rate of 1.60% APY
One year CD rate is 2.00% APY
18 month CD earns an interest rate of 2.35% APY
Two year CD rate is 3.00% APY
30 month CD has an interest rate of 2.80% APY
Four year CD yields a rate of 3.00% APY
Five year CD rate is 3.10% APY

CD interest rates and annual percentage yield may change and additional conditions may apply.  Contact a local Adams Bank & Trust location for current bank rates and CD rates, the main office phone number is 800-422-3488.  The bank website contains additional account and product information as well as timely bank rate date, the website can be found at www.abtbank.com.

Bank CD Rates in Baldwin County

This national bank was established in 2001 and has five bank branches located within the state of Alabama.  First National Bank of Baldwin County offers highly competitive rates on certificates of deposit, savings and money market accounts, a wide-range of investment options, and checking accounts to fit both personal and business banking needs.

First National Bank of Baldwin County is currently offering several bank CDs (certificates of deposit) which are very alluring for an investor with a small amount of cash.  Below are not only the current First National Bank of Baldwin County standard CD rates, but also the special CD rates being offered.  There is not a specified amount of time left on the special CD rates but they can be changed at anytime.

Special CDs offered by the bank:

7 month CD rate special at up to 2.00%
16 month CD rate special at up to 2.50%

To qualify for this top CD rate, you must have a new or existing personal or business checking account.  Rates also available on CDs without another bank account if the amount of the CD is $100,000 or more.  Minimum balance required to obtain CD APY is $500 provided you have a personal or business checking account.  Otherwise, the minimum balance required to obtain APY is $100,000.

Standard CDs offered by the bank:

7 – 31 day CD has an interest rate of 0.50% APY
32 – 89 day CD also yields a rate of 0.50% APY
3 – 5 month CD has an interest rate of 1.00% APY
6 – 11 month CD rate is 1.25% APY
12 – 23 month CD earns an interest rate of 1.50% APY
24 – 29 month CD rate is 1.75% APY
30 – 35 month CD yields a rate of 2.00% APY
36 – 47 month CD has a rate of 2.25% APY
48 – 59 month CD rate is 2.50% APY

Bank CD rates are subject to change without further notice.  Penalty for early withdrawal.  Minimum opening deposit and minimum balance required to obtain the CD APY is $500.  For current CD rates and account details, the bank can be reached directly at 251.943.5656.  The bank website posts timely bank rates including CD rates, savings rates and checking account rates, the web address is www.firstbaldwin.com.

CD Rates with Renasant Bank

Renasant Corporation is the parent of both Renasant Bank and Renasant Insurance.  As of December 31, 2008, Renasant had assets of approximately $3.7 billion and operated over 65 banking, mortgage, financial services and insurance offices in Mississippi, Tennessee and Alabama.  Renasant Bank offers an assortment of personal and business banking and investment services. 

With flexible terms between 32 days and 84 months Renasant Bank offers competitive interest rates with its certificates of deposit.  As is the usual nature of banks’ CDs, interest rates applied remain unchanged during terms.  Other features include: automatic renewal at CD’s maturity and the CD can be used as collateral for personal loan.  CD interest can be mailed to the account holder, transferred to another Renasant Bank account or direct deposited to an account at another financial institution. 

With these CD specials you’ll have the flexibility to move to an even higher yield if interest rates rise.  The interest rate may be adjusted once during the term of the CD.  If the bank CD account holder elects to increase the interest rate, the rate available will be the rate currently being paid at the time of the request for an equal-term, non-special-offer CD.  If the bank does not currently offer a CD of equal term, they will round down to the nearest term and that non-special-offer CD rate will be available.

  5 month CD earns an interest rate of 2.00% APY  
 15 month CD has an interest rate of   2.50% APY  
 25 month CD earns an interest rate of 2.75% APY 
 39 month CD yields an interest rate of 3.00% APY 
 49 month CD earns an interest rate of 3.00% APY  

Bank CD interest rates are subject to change and additional account conditions may apply.  Renasant Bank can be contacted at 800-680-1601 for current CD rates as well as detailed account information.  The bank website can be reached with this URL: www.renasantbank.com.

CD Rates at The Village Bank

The Village Bank was founded in August 1996 to become the oldest locally owned bank in St. George, Utah.  The Village Bank is a state chartered independent bank serving consumers and businesses in Washington County and portions of Iron County, Utah and Clark County, Nevada.  The Village Bank has 4 offices, 24 hour ATM access at each location, telephone banking, and internet banking.  The bank offers its customers access to decision makers locally, the latest in technology and a wide menu of product offerings.

The Village Bank is offering several competitive deposit rates.  The bank CDs have terms for these fixed rate investments from 6 to 48 months.  There is a $500 minimum to open the bank CDs.  The CDs have an automatically renewal feature.

6 month CD has an interest rate of 2.99%
One year CD rate is 3.09% APY
13 month earns a rate of 3.85% APY
18 month CD yield an interest rate of 3.09% APY
Two year CD rate is 3.19% APY
30 month CD has an interest rate of 3.19% APY
Three year CD earns a rate of 3.29% APY
Four year CD yields a rate of 3.39% APY

The bank also has a competitive rate on its high yield money market account.  The interest rate on the banks eMarket Account is 2.65% APY on balances of $2,500 and greater.  For this money market account, all account servicing must be completed online.  The minimum balance is $2,500.  The money market account interest rate and annual percentage yield may change after account opening.

Bank rates are subject to change and additional conditions may apply.  For current bank rates and CD rate information contact the bank directly at 888-277-5882.  The Village Bank website is located at www.thevillagebank.com.  The bank website has CD rate information, checking rates, savings rates, loan rates as well as additional account information.

Bank CD Rates at Wainwright Bank & Trust

Wainwright Bank & Trust Company provides a variety of financial services.  The bank was founded in 1987.  Wainwright Bank & Trust Company is a $1 billion publicly traded commercial bank.  The bank is headquartered in Boston with over a dozen bank branches throughout the Greater Boston area.

The bank provides deposit and savings accounts that range from checking accounts to CDs.  The services of the bank also include originating residential and commercial real estate mortgages, commercial and consumer loans, investing in securities and providing investment management services. 

Bank customers are offered accounts such as negotiable order of withdrawal (NOW) and demand deposit accounts with check-writing privileges.  Some of these bank accounts have associated overdraft features.  The NOW accounts pay interest on available balances.  Customers may access their accounts through most major automated teller machine networks in the United States. 

The Bank offers money market and statement savings accounts that pay a higher rate of interest than its transaction-oriented NOW accounts, and which have limited or no check-writing privileges.  The Bank offers certificate of deposits to depositors who want to invest for a period of 30 days or more.

Wainwright Bank & Trust Company CD rates.

Special CD rates offers:

5 month CD with an interest rate of 1.50% APY.  There is no penalty for early withdrawal after 7 days from opening this bank CD account; a Wainwright Bank checking account is required.  The CD rate without a Wainwright Bank checking account will be .50% less than the stated rate at the time of account opening.

7 or 11 month your choice CD that has an interest rate of 2.25% APY.  Customers must have a new or existing Wainwright Bank checking account to obtain the stated CD rate.  The bank CD rate without a Wainwright Bank checking account will be .50% less than the stated CD rate at the time of account opening.

2 year Only-Up CD that earns a rate of 2.75% APY.  One rate increase allowed, upon request, to match the standard 2-year CD interest rate then published by Wainwright Bank; the new CD rate will carry forward from the date of increase and will not be retroactive; available only for funds not currently on deposit at Wainwright Bank.

3 year Equal Exchange CD has a rate of 3.00% APY.  This bank CD Secures a line of credit for Equal Exchange to provide Fair Trade pricing for farmers’ crops in emerging countries.  Each CD opened increases the available funds in a line of credit to Equal Exchange, a Fair Trade coffee, tea and chocolate merchant who provides over 30 farmer cooperatives in 16 countries with a fair price for their crops. Call the bank for more information regarding this CD product.

Standard bank CD rates:

30 day CD rate is 1.60% APY
90 day has an interest rate of 1.80% APY
180 day CD earns a rate of 1.75% APY
1 year CD interest rate if 2.00% APY
11/2 year CD has an interest rate of 2.25% APY
2 year CD yields a rate of 2.50% APY
3 year CD earns an interest rate of 2.75% APY
5 year CD rate is 3.00% APY

Minimum opening deposit for the bank CDs is $1,000.  Interest is compounded monthly and available for automatic transfer to checking or money market account.  Bank CD rates subject to change without notice.  For current CD rates and account information contact a Wainwright Bank & Trust Company representative at 888-428-2265.  Wainwright Bank & Trust Company maintains a website located at www.wainwrightbank.com that posts current bank rates including CD rates as well as detailed account information.

CD Rates at South Coastal Bank

South Coastal Bank operates four full service bank branches and six automated teller machines along the south shore of eastern Massachusetts in Rockland, Scituate, Quincy and Braintree.  The bank is an independent, mutual savings bank that is a wholly owned subsidiary of MountainOne Financial Partners.

South Coastal Bank has met the financial needs of consumers and businesses since 1868.  The bank provides a number of consumer and business products and services including: commercial, installment and mortgage loans; electronic and on-line banking services; telephone banking; consumer deposit products such as checking accounts, savings, certificates of deposit and IRAs; and commercial deposit products including checking, savings, money market and sweep accounts.

South Coastal Bank enables investors to earn higher interest rates when they invest in a certificate of deposit.  The bank minimum to open on the CDs is just $1,000 and they have terms available from 3 months to 48 months.

South Coastal Bank CD rates.

3 month CD rate is 1.00% APY
4 month CD has an interest rate of 1.25% APY
6 month CD rate is 2.50% APY
8 month CD earns an interest rate of 1.75% APY
One year CD rate is also 1.75% APY
15 month CD rate is 1.75% APY
18 month CD also earns a rate of 1.75% APY
Two year CD rate stands at 1.75% APY
30 month CD is stuck at 1.75% APY
Three year CD rate has an interest rate of 3.00% APY
Four year CD rate is also at 3.00% APY

Bank CD rates are subject to change and additional conditions may apply.  For current CD rates and bank account information, a bank representative can be reached at 781- 878-5252.  The bank website also posts up to date bank rates and CD rates, the web address can be found at www.southcoastalbank.com.

CD Rates at The Highlands Bank

The Highlands Bank of Louisiana has 5 convenient branch locations to serve the Baton Rouge market.  The main office is located in Jackson, Louisiana.  The Highlands Bank provides various financial products and services to individual and corporate customers.  The bank offers checking accounts, savings, money market accounts, individual retirement, as well as certificates of deposit.  The bank also provides lending services such as commercial loans, industrial, residential real estate mortgages, auto loans as well as personal secured and unsecured credit.  Further, the bank provides Internet banking, investment services and insurance.

CD rates offered by the bank presently include:

7 – 31 day CD rate is 1.25% APY
60 days CD also earns a rate of 1.25% APY
3 month CD rate is 1.50% APY
6 month CD yields a rate of 2.25% APY
One year CD rate is 2.50% APY
18 month CD has an interest rate of 2.60% APY
Two year CD earns a rate of 2.75% APY
Three year CD yields a rate of 3.00% APY
Four year CD has a rate of 3.25% APY
Five year CD rates is 3.50%

Bank CD rates are subject to change for current bank rates and account information call a bank representative at 225.634.7741.  Additional account conditions may apply.  The Highlands Bank website has rate data on a variety of the bank savings products including the CD rates, the web address is www.thehighlandsbank.net.

McIntosh State Bank CD Rates

McIntosh State Bank is a full service commercial bank, serving the Georgia counties of Butts, Jasper, and South Henry through offices in Jackson, Monticello, Locust Grove and McDonough Georgia.  The bank was established in 1964.  McIntosh State Bank is chartered as a Federal Reserve Non-member with the primary regulator being the Federal Deposit Insurance Corporation (FDIC).

McIntosh State Bank had assets of $450,939,000 at the close of 2008.  The bank also experienced a net loss of -$7,038,000 for that year.  Unfortunately, Georgia banks have been suffering from deeper problems do to delinquencies in residential and construction loans.  McIntosh State Bank has not been immune to this judging from the size of the loss as well as the fact that the bank has 9.17% of its loans classified as non current at the end of 2008.

The bank offers deposit and transaction accounts such as checking accounts, savings accounts, individual retirement accounts, money market accounts, NOW accounts and certificate of deposit accounts.  It also provides lending services such as commercial loans, industrial loans, residential real estate mortgages, leasehold financing, as well as personal secured and unsecured credit.

The bank certificates of deposit require a $500.00 or more opening deposit which can be invested in the CDs for terms of 90 days to 60 months.  CD interest earned can be directly deposited monthly, quarterly or annually into any McIntosh deposit account.  Most of the banks CDs are set to renew on the day of maturity for the same term and at current bank interest rates.  Notices are sent prior to maturity dates; the CD account holder has 10 days after maturity to withdraw funds without a penalty.  Early withdrawal penalties apply equal to three months interest on a CD with an original maturity of 1 year or less and six months interest on a CD with an original maturity greater than 1 year.

Current bank CD rates.

90 day CD rate is 1.50%
180 day CD has an interest rate of 1.75%
1 year CD rate is 2.25%
18 month CD earn an interest rate of 2.55%
2 year CD has a rate of 2.55%
3 year CD yields a rate of 2.60%
4 year CD earns a rate of 2.80%
5 year CD rate is 3.15%

Bank CD rates subject t change at the bank’s discretion prior to opening the account.  Additional conditions may apply.  For current CD rates as well as account details, call a bank representative at 800-303-0894.  McIntosh State Bank maintains a website that posts current bank rates at www.mcintoshbancshares.com.

For mortgage rate information please visit www.selectcalculators.com.

Great 9 Month CD Rate at Farmington Bank

Before the Great Depression there were two banks located in Farmington, Illinois.  One of these banks closed and the other is the still profitable Bank of Farmington.  The Bank of Farmington was established in 1903, it is an independent, locally-owned community bank located in Farmington and Canton, Illinois.  The bank been FDIC insured since 1934.

The bank is chartered as a Federal Reserve Non-member and its primary regulator is the Federal Deposit Insurance Corporation (FDIC).  As of December 31, 2008 the bank had assets of $77,891,000.  For that year, the banks net income had increased from the previous year to $696,000.  At the close of 2008, Bank of Farmington had only 0.46% of its total loans classified as non current.

The bank offers a wide selection of certificates of deposit.  The interest earned on then bank CDs can be paid to another savings account or checking account monthly, paid by check, compounded on the certificate quarterly or paid at maturity.

With a minimum opening balance of $1,000.000 Bank of Farmington is currently offering the following CD products:

A six month CD rate is 1.96% APY.
A one year CD rate is 2.32% APY.
An eighteen month CD rate is 2.63% APY.
A two year CD rate is 2.73% APY.
A thirty month CD rate is 2.83% APY.
And a three year CD rate is 2.93% APY.
The bank is also currently offering a nine month CD special that earns an interest rate of 2.46% APY.
 
CD interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 309-245-2441.  Bank CD rates, account information and other disclosures can be found at the bank website, www.bankoffarmington.com.

Blue Valley Kansas CD Rates

Overland Park Kansas was ranked #9 on Money magazine’s list of the “Best Places to Live” in 2008.  Overland Park has moderate housing prices, a good job market and it is well situated for an easy commute to the surrounding region.  Overland Park is also home to Bank of Blue Valley.

Bank of Blue Valley is a locally owned and locally managed community bank.  The bank was founded in 1989.  As of November 2008, the bank has six locations in Johnson County: Overland Park, Olathe, Shawnee, Leawood, Lenexa and a mortgage loan center also in Overland Park.  Bank of Blue Valley is chartered as a Federal Reserve Member.  Therefore the primary regulator is the Federal Reserve Board (FRB).  At the end of 2008, the bank had just over $800,000,000 in assets.  Net income for the year turned out to be a loss of -$9,175,000.  The bank’s non current loans for the year had reached 6.47% an increase from 4.15% at the end of 2007.

As a full service financial provider, Bank of Blue Valley also offers complimentary financial planning, investment services, trust services, and private banking.  The lending operations of the bank are comprised of commercial, commercial real estate, construction, commercial equipment financing, residential mortgages and consumer loans.  The bank’s internet banking website, provides 24/7 banking options including bill payments service with no float on bills paid and cash management services for businesses.  Bank of Blue Valley offers several personal banking options including a variety of saving choices to fit your needs and saving goals.

Bank of Blue Valley certificates of deposit are a term savings account.  Money invested in these bank accounts can earn market rates of interest and be secured by FDIC insurance.  Like most all bank certificates of deposit, they feature higher interest rates, restricted access to funds and variety of maturities based on terms of CD.  Bank of Blue Valley offers both fixed CDs and variable interest rate CD options.  The variable interest rate certificates of deposit are tied to treasury security rates.  The bank also participates in CDARS program, a special program providing safe and convenient solutions for large deposit investors.

Bank CD rates.

30 – 59 days CD rate is 1.00% APY
60 – 89 days CD rate is 1.00% APY
90 – 181 days CD rate is 1.00% APY
182 – 364 days CD rate is 2.00% APY
12 – 17 months CD rate is 2.40% APY
18 – 23 months CD rate is 2.15% APY
24 – 35 months CD rate is 2.25% APY
36 – 47 months CD rate is 2.50% APY
48 – 59 months CD rate is 2.50% APY
60 – 71 months CD rate is 2.50% APY

These bank CDs require a $500 minimum balance.  Interest is compounded and credited quarterly or you may receive a monthly interest check.  CDs are automatically renewable unless otherwise disclosed at the time the account is opened.  Quotes available on jumbo certificate of deposits as well.

All offering bank rates are subject to change without notice.  To obtain current CD rate information, call a bank representative at 913-338- 4357.  The bank website which is located at www.bankbv.com maintains timely data on bank rates, CD rates and account information.

For mortgage rate information please visit www.selectcalculators.com.  For car loan rates, please visit www.selectautorates.com and for credit card rates and offers visit www.bestcreditcardrates.com.

CD Rates State Bank of Southern Utah

State Bank of Southern Utah is a community bank with branches located in southwestern Utah.  Its corporate headquarters is located in Cedar City.  It was established in 1957 and there are fifteen bank branches.  State Bank of Southern Utah has been FDIC insured since February 2, 1959.  State Bank of Southern Utah is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation.  The bank had assets of $611,210,000 at the end of 2008.  For the full year, the bank had net income of $7,724,000.

State Bank of Southern Utah offers various products and services to its members at competitive rates.  The bank offers home loans, auto loans, business and agricultural loans.  The FDIC insured checking accounts, savings accounts, CDs and money market accounts are competitively priced.  With a minimum opening deposit of $500.00, State Bank of Southern Utah provides the following CD rates:

A one month CD rate is 1.00% APY.
A three month CD rate is 1.26% APY.
A six month CD rate is 2.77% APY.
An eighteen month CD rate is 3.03% APY.
A two year CD rate is 3.16% APY.
A three year CD rate is 3.29% APY.
A four year CD rate is 3.42% APY.
And a five year CD rate is 3.55% APY.
 
The bank is also offering a one year CD rate add on is 3.03% APY.  Which mean you may add money at any time.

The CD interest accrues daily but compounds according to a schedule associated with each CD term.  Compounding means that accrued interest is added to principal.  If you close the account before the interest compounds, the bank pays the accrued interest less any applicable withdrawal penalty.  All CDs have a grace period of 10 calendar days after maturity during which the owner may redeem it without incurring a withdrawal penalty
 
CD interest payments can be transferred to a State Bank of Southern Utah checking or savings account.  This feature is available on all of the bank CDs at no charge.  Interest transfers will match the CD’s compounding schedule.

Bank interest rates are subject to change.  Additional conditions may apply.  For current bank CD rates and account information contact the bank directly at 800-662-1788.  CD rates, account information and other disclosures can be found at the bank website, www.sbsu.com.

CD Rates at the Crossroads

Sitting at the crossroads in Georgia is the Bank of Perry.  Perry Georgia is a community recognized as the crossroads of Georgia because of its location at the intersection of Highways US 341, US 41, GA 127, and I-75.  It is a beautiful community with practically no traffic jams, affordable living, relaxing environment, a slower pace and the most important attribute – safe and secure bank CD rates.

Bank of Perry is a locally owned community bank that was established in 1889.  The bank has been FDIC insured since January 1, 1934.  Bank of Perry has two bank branches in the area.  The bank is chartered as a Federal Reserve Non-member. Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  At the end of 2008, the bank had assets of $126,692,000 and for the year, the bank had a net income of$725,000.

The Bank of Perry has products and services to save time and money.  The bank offers personal checking and money market accounts, personal savings accounts, business checking and money market accounts, business savings accounts, consumer loans, home loans, real estate loans as well as online banking and bill pay and other services.

Bank of Perry has CDs that will put your savings where it can earn a higher, guaranteed interest rate along with the safety and security of Federal Deposit Insurance Corporation protection.  These bank CDS have a variety of terms from as little at 90 days and up to 60 months.  The CDs require only $500 minimum for an opening deposit.

Bank of Perry CD rates.

3 month CD rate is 1.15% APY
6 month CD earns a rate of 2.00% APY
7-11 month CD rate is 2.10% APY
12-17 month CD has a rate of 2.35% APY
18-23 month CD yields a rate of 2.50% APY
24-29 month CD earns a rate of 2.75% APY
30-35 month CD rate is 2.75% APY
36-47 month CD has a rate of 2.85% APY
48-59 month CD also yields a rate of 2.85% APY
5 year CD rate is 2.85% APY

The bank will accept applications for deposit accounts including the CDs from residents of Georgia.  Bank CD rates are subject to change prior to opening the account.  For current bank CD interest rates contact the bank at 478-987-2554.  The bank maintains a website that holds the current bank rates and CD rates, the web address is www.bankofperry.com.

CD Rates at Bank of Dudley


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Laurens county Georgia is home of the Bank of Dudley.  This bank is already in its second century of doing business.  It is the only bank in the county to stay open through the Great Depression.  The Bank opened for business in November 1905 and has been FDIC insured since January 1, 1934.  Bank of Dudley is chartered as a Federal Reserve Non-member. Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

To close 2008, the bank had assets of $165,639,000 and net income of $1,641,000.
Performance ratios for the bank included noncurrent loans running at 1.06% of total loans, core capital or leverage ratio of 11.26%, tier 1 risk-based capital ratio of 15.38% and total risk-based capital ratio of 16.62%.

The bank offers checking accounts, savings accounts, CD accounts, money market accounts, credit cards, personal loans and mortgage loans.  The bank also has the latest in banking services, including internet banking and electronic bill payment.

CD rates offered by Bank of Dudley.

1 month CD rate is .25% APY
3 month CD has an interest rate of .50% APY
6 month CD yields a rate of 1.00% APY
1 year CD rate is 1.51% APY
18 month CD also earns an interest rate of 1.51% APY
2 year CD rate is 1.76% APY
3 year CD has a rate of 2.02% APY
4 year CD also earns an interest rate of 2.02% APY
5 year CD rate is 2.02% APY

The bank CDs require a low minimum deposit of just $100.00.  Bank CD interest rates are subject to change.  Call a bank representative for more information on these accounts and the most current CD rates at 478-277-1500.  The bank posts timely bank rates on their website as well as the current CD rates; the bank web address is www.bankofdudley.com.

Bank of American Fork Bank CD Rates

Bank of American Fork is a locally owned and operated financial institution based in American Fork, Utah.  The bank has 12 bank branches in the region including Highland, Orem, Lehi, Pleasant Grove and Spanish Fork, Salt Lake Valley, Draper, Sandy, Murray, and Riverton Utah.  Bank of American Fork opened in 1913 in Utah and has been FDIC insured since January 1, 1934. 

Bank of American Fork is chartered as a Federal Reserve Non-member. Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  At the end of 2008, the bank had assets of $877,839,000 and net income for that year of $4,653,000.  The percent of loans that were noncurrent at the end of 2008 stood at 7.25% of all loans.  Bank of American Fork operates as a subsidiary of People’s Utah Bancorp.

Bank of American Fork offers fixed rate CDs that have maturities from three months to six years.  With a minimum opening balance of $500.00 the bank is currently providing the following CD products:

A three month CD rate is 1.25% APY.
A six month CD rate is 2.25% APY.
A twelve month CD rate is 2.60% APY.
An eighteen month CD rate is 2.70% APY.
A twenty-four month CD rate is 2.80% APY.
A thirty-six month CD rate is 3.00% APY.
A forty-eight month CD rate is 3.40% APY.
A sixty month CD rate is 3.60% APY.
And a seventy-two month CD rate is 3.60% APY.
 
Bank of American Fork is also currently offering the following CD specials with an opening balance of $5000.00 and an existing checking account:

A seventeen month CD special with an interest rate of 3.00% APY.
And a thirty-five month CD special earns an interest rate of 3.25% APY.

Interest rates are subject to change without notice.  Additional account conditions may apply.  For current CD rates and account information contact the bank directly at 800-815-2265.  Bank rates, CD rates, account information and other disclosures can be found at the bank website, www.bankaf.com.

Old Point Bank Rates

The Old Point National Bank is a full service community bank located in Virginia.  Old Point National Bank has been FDIC insured since January 1, 1934.  The bank has 20 banking locations throughout Hampton Roads.  For the non-Virginians, Hampton Roads is the name of both a body of water and the area of land that surrounds it in southeastern region of Virginia.

Old Point National Bank is chartered as a National Bank.  Therefore the primary regulator is the Office of the Comptroller of the Currency (OCC).  At the end of 2008, tha bank had assets of $830,975,000 and net income of $6,710,000.  The banks non current loans as a percent of total loans was 0.72%.  The core capital or leverage ratio was 9.38%, tier 1 risk-based capital ratio was 11.73% and total risk-based capital ratio was12.69%.

Old Point National Bank offers a broad array of personal banking products and services to meet consumer’s needs.  The bank has a variety of checking accounts, mortgages, investment accounts, and more.  Old Point National Bank has a variety of savings options to help consumers meet their investment targets.

Old Point National Bank has a statement savings account that can be used to save for almost anything.  The statement savings accounts require a $10.00 minimum balance to open.  There is a $1.00 charge for each withdrawal in excess of 2 per calendar month and a $2.00 charge for a monthly account balance less than $200.

The bank offers a money market account in which you can invest and have the convenience of limited check writing.  The money market savings accounts require a $25.00 minimum deposit to open.  The money market accountholder may make six withdrawals from the money market savings account per monthly statement period, three of which may be by check.  This account is a tiered-rate account that offers even higher rates for higher balances.  The money market allows access to your money through checks, ATM, phone, or in-person withdrawals.

Old Point National Bank certificates of deposit, or CDs, are a good way to save for the future especially considering our present economic environment.  These FDIC-insured, high yielding bank accounts are available for a variety of terms.  The bank offers CDs from a 7-day CD requiring a $2,500 initial deposit, to a 5-year certificate for as little as $500 and many different levels in between.  The bank CDs earn competitive interest rates that are guaranteed for the term of the deposit.

All of the bank CDs are automatically renewable, and the CD account holder can choose how and when to receive the interest: it can be automatically credited to an Old Point checking account or savings account, sent to the accountholder by check, or be reinvested in the CD at maturity.

7 to 31 day CD rate.  Minimum opening deposit for this bank CD is $2,500.00
91 day CD rate.  Minimum opening deposit is also $2,500.00 for this bank CD.
182 day CD rate.  Minimum opening deposit for this bank CD is $2,500.00.
One year CD rate with no penalty.  Minimum opening deposit for this bank CD is $2,500.00.
13 month CD rate with no penalty.  Minimum opening deposit for this bank CD is $1,000.00.
Special 7 month CD rate.  Minimum opening deposit for this bank CD is $10,000.00.
12 to 23 month CD rate.  Minimum opening deposit for this bank CD is $500.00.
Special 14 month CD rate.  Minimum opening deposit for this bank CD is $5,000.00.
24 to 35 month CD rate.  Minimum opening deposit for this bank CD is $500.00.
26 month bump up CD rate.  Minimum opening deposit for this bank CD is $10,000.00.
36 to 59 month CD rate.  Minimum opening deposit for this bank CD is $500.00.
Five year CD rate.  Minimum opening deposit for this bank CD is $500.00.
Special 58 month CD rate.  Minimum opening deposit for this bank CD is $5,000.00.

Bank CD rates subject to change without notice.  Additional conditions may apply.  For current CD rates contact a bank representative at 757-728-1290 or 800-952-0051.  Additional account information and bank rates are also available at the bank website located at www.oldpoint.com.

INTRUST Bank CD Rates

This bank has almost $3.5 billion in assets and is based in one of the most productive agricultural states in the American Heartland.  A bank that survived the Great Depression, cattle drives from Texas and earned a net income of $77,288,000 during one of the worst years in U.S banking history.  This bank ended 2008 with net loans and leases of $2,567,520,000 of which only 0.40% were non current.  The bank is INTRUST Bank based in Wichita, Kansas.

INTRUST Bank was founded in 1876 and has weathered and prospered during every major business recession to hit our economy.  The bank is the largest independent bank headquartered in Kansas with assets of $3,480,952,000 at the end of 2008.  INTRUST Bank, National Association is chartered as a National Bank.  Therefore the primary regulator is the Office of the Comptroller of the Currency (OCC).  The bank has 45 branch offices located in Kansas and Oklahoma, and more than 100 ATM locations.

INTRUST Bank provides a variety of consumer and commercial banking services.  The bank offers personal banking services that include checking accounts, savings accounts, certificate of deposits, IRAs, and health savings accounts.  The bank’s lending products include residential mortgage loans, home equity loans, auto loans, and unsecured loans.  The bank also provides credit cards, including check, credit, and gift cards.  The bank has a division that handles wealth management, investment management, private trust, private client, and brokerage services.  Business banking services with INTRUST include time deposits and health savings accounts, commercial accounts, real estate loans, small business loans, and agri-business loans, letters of credit and business credit cards, treasury management services, international banking, merchant, and correspondent banking services, asset management, retirement, and advisory services.

The bank CD offerings are extensive.  The bank offers a special CD product featured on which is an 8 month CD with $500 minimum to open and is earning an interest rate of 2.50% APY.  A 90 –179 day CD earns an interest rate of 1.50% APY.  A 180-269 day CD has an interest rate of 1.60% APY and closing out the short term accounts on the bank’s website is a 270-364 day CD having an interest rate of 1.60% APY.  As for long term bank CD accounts, there is a one year CD earning an interest rate of 1.75% APY, a 13 –17 month CD also earning an interest rate of 1.75%, an 18-23 month CD having an interest rate of 1.80% APY, a 24-35 month CD with an interest rate of 2.00% APY, a 36-47 month CD has an interest rate of 2.50% APY, a 48-59 month CD has an interest rate of 2.50% APY while the five year CD rate ramps up to 2.75% APY.  All of the declared long term bank CD rates take a minimum of $500.00 to open.  These time deposits are insured to the maximum allowed by FDIC.

For those bank customers that enroll their bank CD in the bank’s free OnLine Banking, they can check their account balance online anytime and create an alert to notify them when their CD reaches maturity.

Bank CD rates may vary by bank location.  Bank CD rates are subject to change without notice.  For current bank CD rates contact a bank representative at 800-895-2265.  Bank rates including the CD rates are also posted on the INTRUST Bank website which is located at www.intrustbank.com

For bank auto loan rate information please visit www.selectautorates.com.  For current mortgage rate information please visit www.selectcalculators.com.

Barnes Banking Savings and CD Rates

Barnes Banking Co was founded in Davis County, Utah in 1891.  The bank is one of Utah’s largest community banks with assets just shy of one billion dollars, actual 2008 year end assets were $970,277,000.  The bank has ten bank branches, in Kaysville, Layton, Bountiful, Syracuse, Roy, South Ogden, Salt Lake City, Fort Union, St. George and Orem Utah.  Barnes Banking Company is chartered as a Federal Reserve Member.  Therefore the primary regulator is the Federal Reserve Board (FRB).

The bank has been in continuous operation since its inception, going on 117 years.  Surviving the Great Depression, two world wars and countless economic cycles.  For 2008, the bank did lose quite a bit of money, with a net loss totaling -$21,991,000.  Loan losses accounted for the majority of the income problems.  The bank ended the year with non current loans as a percent of total loans of 13.74%.

Barnes Banking Company offers several consumer bank products and services.  Included in these offerings are a number of savings options such as a standard savings account, money market accounts and certificates of deposits.

The Barnes Bank statement savings account offers interest with a starting balance of just $25.  This is an interest earning savings account that can be managed account online offers direct deposit and provides a quarterly statement.

The Barnes Bank CDs offers competitive yields with a variety of terms, and exceptional service.  These bank CDs will work for savings strategy that cover a long or short-term.  Maturity terms from eleven to forty-eight months.  Opening deposit are as low as $500.00.  Interest can be compounded quarterly or paid directly to the bank CD account holder.  These accounts can also be viewed online 24/7.

For consumers that have savings plan requiring more flexibility than a CD, the Barnes Bank money market account offers liquidity with a better yield than typical savings accounts.  The bank has a few money market accounts to choose from.  An electronic money market account provides an even greater yield for those willing to manage the money market account primarily online.

There is and opening deposit requirement beginning at $500.00.  Direct deposit is available.  The money market account is ATM card accessible.  The account allows for online management 24/7, free automatic account transfers and the money market account earned interest is compounded monthly.
 
With a minimum opening balance of $500.00, Barnes Banking Co offers the following CD rates.

A three month CD rate is 1.51% APY.
A six month CD rate is 1.76% APY.
A one year CD rate is 2.01% APY.
An eighteen month CD rate is 2.52% APY.
A two year CD rate is 2.78% APY.
A three year CD rate is 3.03% APY.
A four year CD rate is 3.35% APY.
And a five year CD rate is 3.60% APY.
 
Barnes Banking Co is also currently offering a special CD promotion.  With a minimum deposit of $5,000.00 with a relationship account at the bank  (any other new or existing deposit or loan account with Barnes Bank), the bank is providing a seventeen month CD with an interest rate of 3.00% APY.
 
Bank CD interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 888-353-3424.  CD rates, account information and other disclosures can be found at the bank website, www.barnesbank.com.

CD Rates and ADM

Archer Daniels Midland Company is a large conglomerate primarily involved in agricultural processing.  In fact, it is one of the world’s leading agricultural processors.  The company’s operation encompasses a wide range of services along with agricultural processing, including banking and futures clearing in both the U.S. and international markets.  Hickory Point Bank & Trust is a full-service bank in central Illinois that is a subsidiary of ADM.

Hickory Point Bank and Trust is headquarters in Decatur Illinois.  The bank has seven bank branches in the region.  The bank was established in 1979 and is chartered as a savings association.  Therefore the primary regulator is the Office of Thrift Supervision (OTS).  The bank had assets of $857,667,000 at the end of 2008 and net income of $4,986,000 for the year.

Hickory Point Bank and Trust provides personal and business banking services including checking and saving accounts, credit cards, certificate of deposits, loans, and retirement solutions.  In addition, the company offers investment brokerage, insurance solutions, online banking, and trust advisory services.

From a performance stand point, along with sizable profit the bank had noncurrent loans to total loans of only 0.34% at the end of 2008 and a core capital or leverage ratio of 7.47% a tier 1 risk-based capital ratio of 18.94% and a total risk-based capital ratio of 19.20%.

Bank CD rates.

31 day CD rate is 1.10% APY
91 day CD yields a rate of 1.26% APY
182 day CD interest rate is 1.51% APY
1 year CD rate is 2.00% APY
18 month CD rate is 2.25% APY
2 year CD rate is 2.50% APY
3 year CD has a rate of 2.75% APY
4 year CD earns an interest rate of 3.00% APY
5 year CD rate is 3.15% APY

Bank CD rates are subject to change by the bank and additional conditions may apply to obtain these bank rates.  For current bank CD rates, contact the bank at 800-872-0081.  Hickory Point Bank and Trust maintains a website that posts current consumer bank rates including the CD rates, the web address is www.hickorypointbank.com.

For car loan rate information please visit www.selectautorates.com for mortgage rate information please visit www.selectcalculators.com.

St Tammany CD Rates

St. Tammany Homestead Savings and Loan was established in 1924 as a savings and loan association.  The bank is headquartered in Covington, LA.  In over 80 years in business, the bank has weathered the Great Depression, hyper-inflation, double-digit interest rates and the “great savings and loan debacle” of the 1980s.  The bank has always dedicated its efforts on home loans and savings accounts with a commitment to personal service for their customers.

St Tammany Homestead Savings and Loan Association has been FDIC insured since August 3, 1935.  The bank is chartered as a Savings Association.  Therefore the primary regulator is the Office of Thrift Supervision (OTS).  As of the close of 2008, the bank had assets of $106,490,000 and a net loss of-$444,000.  The performance ratios for the bank included noncurrent loans to total loans of 4.40%, core capital or leverage ratio of 8.62%, tier 1 risk-based capital ratio of 13.62% and total risk-based capital ratio of 14.15%.

The bank currently offer 10 types of certificates of deposit that compound daily, interest is calculated on a 365 day year, and they have 10 days grace after maturity.  The minimum balance to obtain the annual percentage yield for all bank CD’s is $500.00.  The minimum balance requirement for all out of state accounts is $10,000.00, accounts may only be Single or Joint account ownership, choose either the 1 Year or 2 1/2 Years CD’s, interest must accrue, (No Interest Checks).  Share loans are only allowed for Louisiana residents.  Penalties are assessed for early withdrawals, except in circumstances required by law.  No additions are allowed until maturity and must be within 10 day grace period after maturity.  All certificates of deposit except the jumbo CDs and mini-jumbo CDs or any special offer CD automatically renew at maturity for a like term at the rate in effect on a certificate of that class

91 day CD rate is 1.61% APY
6 month CD rate is 2.02% APY
1 year CD rate is 2.22% APY
18 month CD rate is 2.33% APY

2 year bump up option CD rate 2.02% APY
4 year bump up option CD rate 2.79% APY

30 month CD rate is 2.63% APY
3 year CD rate is 2.84% APY
5 year CD rate is 3.46% APY

All bank CD rates are subject to change at the banks discretion prior to account opening.  Current CD rate information and account details can be obtained by calling the bank at 800-646-1658.  St. Tammany Homestead Savings and Loan maintains a website that includes information on the various bank products as well as CD rates, savings account rates, checking account rates and more.  The web address for St. Tammany Homestead Savings and Loan is www.sttammanyhomestead.com.

Bank Rates Virginia Commonwealth Bank

Virginia Commonwealth Bank is a local community bank that is state chartered.  The bank was established in 1936 and has been FDIC insured since 1936.  The bank is chartered as a Federal Reserve Member and the primary regulator is the Federal Reserve Board (FRB).  Virginia Commonwealth Bank has assets of approximately $310,352,000 and net income of $554,000 for 2008.  The bank has nine bank branch locations throughout Central Virginia.

The bank provides competitive products and value to their customers with products and services such as checking accounts, savings accounts, certificates of deposits, IRA, installment loans, mortgages, commercial services, investments and other services.

The bank’s variety of checking accounts includes a free checking account for people who want a traditional checking account with benefits like unlimited check writing, and no monthly maintenance fees.  This checking account also provides a free ATM or debit card, free ATM withdrawals at any VCB ATM and four no charge withdrawals per month at a non-VCB ATM.

Checking accounts available also include an interest bearing checking account which is a checking account where the accountholder can earn a favorable rate of interest on their every day checking account and has the convenience of unlimited check writing.  With direct deposit or an average monthly balance of $500 or more, the checking accountholder has the ability to avoid the small monthly service fee and still have all the benefits of free Online Banking & Bill Pay, free debit card, and up to 6 no-charge withdrawals per month at a non-VCB ATM.

The bank offers a statement savings account that is a variable rate account and allows the savings account holder to earn higher interest.  The savings account can be opened with as little as $25.  The savings account allows up to 6 transfers per month, and ACH activity is allowed, meaning the account holder can quickly access their savings for withdrawals or transfers with their bank ATM card.

The bank passbook savings is a free savings account with a variable rate account that is an easy and convenient way to save.  The savings account can be opened with as little as $25 and begin earning interest with a balance of $50 or more.  There is no required minimum balance and no service charge.

The bank money market account is designed for people who want higher interest rates than statement savings while maintaining flexibility of access.  The minimum deposit needed to open this account is $1,000.  The interest rate earned increases based on the balance in the money market account and the annual percentage yield for that balance tier.  Interest is compounded monthly, and up to six transfers or withdrawals may be made from the account per statement cycle.

The certificates of deposit offered have a variety of benefits and flexible terms to individuals that are looking for a secure investment.  The bank CD benefits include a low minimum balance of $500, flexible maturity dates from 90 days to 5 years, and a fixed interest rate for the term of the certificate.  On terms greater than one year, the CD account holder can choose how they would like to receive their interest payments and when they would like their certificate of deposit to mature.  Interest payments are available by check or transfer to a VCB checking account each month or quarter or by compounding quarterly on to the certificate of deposit.

Bank CD rates.

90 day CD rate is 1.00% APY
6 month CD rate is 2.26% APY
1 year CD rate is 2.68% APY
2 year CD rate is 2.98% APY
3 year CD rate is 3.03% APY
4 year CD rate is 3.35% APY
5 year CD rate is 3.50% APY

Bank CD rates are subject to change without notice and additional account conditions may apply for these products.  Since Virginia Commonwealth Bank is a small bank, dedicated to serving the needs of our local communities, deposit accounts and loan applications are accepted only from residents of the communities served by their branch offices and their surroundings.  For current bank rates call a bank representative at 800-297- 4040.  Virginia Commonwealth Bank also maintains a website that has the current CD rates, savings account rates, money market rates and more.  The bank web address is ffsbofva.com.

WestSide CD Rates

A locally owned community bank chartered in Hiram, Georgia.  Lending and credit decisions that are made right there and not somewhere else in another city or state.  That’s WestSide Bank. 

The bank was established on August 8, 2006 and has been FDIC insured since that time.  WestSide Bank is chartered as a Federal Reserve Non-member.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has assets of $133,886,000 and had a rather sizable net loss in 2008 of -$4,533,000.

Condition ratios for the bank showed a core capital or leverage ratio at 12.80%, tier 1 risk-based capital ratio is 14.63% and total risk-based capital ratio of 16.50%.  However noncurrent loans to total loans stood at a relatively high 9.90%.

WestSide Bank offers several consumer products for savings and transaction accounts.  The bank personal savings account has a $100.00 minimum to open.  There is a $10.00 monthly maintenance fee that can be avoided by maintaining a $100 average daily balance.  The savings account allows for unlimited deposits.  Interest is compounded daily, credited monthly and paid on collected balance. 

The bank offers a personal money market account that requires a $1,000.00 minimum to open.  There is an $8.00 monthly maintenance fee on the money market account that can be avoided by maintaining a $1000 average daily balance.  The money market account allows six (6) free withdrawals per month, three (3) to third parties.  The money market account provides imaged checks and interest is compounded daily on collected balances and credited to the account monthly.  This is a tiered money market account with four tiers of Interest.

The bank certificates of deposit have a $1,000.00 minimum to open.  The CD terms range from three (3) months to sixty (60) months.  These CDs have automatic certificate renewal, the interest may be reinvested, deposited to another account, or paid by check.  The certificates of deposit may be used as collateral on loans at the bank as well.

3 month CD rate is 1.40% APY
6 month CD rate is 2.00% APY
One year CD rate is 2.40% APY
Two year CD rate is 2.54% APY
Three year CD rate is 2.75% APY
Four year CD rate is 2.80% APY
Five year CD rate is 2.95% APY

Rates and annual percentage yield (APY) are subject to change.  Fees may reduce earnings.  These rates are effective as of today, for current bank CD rates contact the bank at 770-445-1855.  Additional account information and bank rates can be found on the bank website, the web address is www.westsidebank.net.

Benchmark Bank CD Rates


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Since 1971, Benchmark Community Bank has grown to 12 locations spread across 6 Southside Virginia counties.  The headquarters remains in Kenbridge, Virginia.  Benchmark Community Bank is locally owned and operated bank.  Benchmark Community Bank is the largest bank focused exclusively on serving Southside Virginia.  It is a full service bank that is integrally involved with the communities it serves.

Benchmark Community Bank is chartered as a Federal Reserve Member.  Therefore the primary regulator is the Federal Reserve Board (FRB).  The bank has been FDIC insured since September 8, 1971.  The bank’s assets stand at approximately $373,447,000.  For 2008, the bank had net income of $3,956,000.  The bank president has a message on the web site regarding the banks strength as he states,  “As the customer of a community bank like Benchmark, you can take comfort in knowing that we did not follow the big banks in making loans that were high risk and/or depended on the continuing rise of home prices.  We were conservative and therefore do not have the default rate that the bigger banks are experiencing”.

Supporting these comments, Benchmark Community Bank has the following performance ratios:  noncurrent loans to loans stood at 0.45%, core capital or the leverage ratio was 8.45%, tier 1 risk-based capital ratio was 11.06% and total risk-based capital ratio was 11.97%.

To help grow your assets, reach your goals and build financial security, Benchmark offers many consumer products and services.  Some of these bank producst and services include: traditional savings accounts, certificates of deposit, money market accounts, Individual Retirement Accounts, both Traditional and Roth and a variety of checking accounts.

Bank CDs currently being offered:

32 – 181 day CD rate1.25% APY
182 – 364 day CD rate 1.65% APY
1 year CD rate 2.10% APY
2 year CD rate 2.35% APY
3 year CD rate 2.60% APY
4 year CD rate 2.85% APY
5 year CD rate 3.10% APY

Benchmark Community Bank also offers some special rate CDs.

11 month CD rate is 2.50% APY
36 month CD rate is 3.15% APY

The bank standard CDs have a minimum deposit amount of $500.00 and the special CDs have a minimum deposit amount of $10,000.  Bank CD rates are subject to change and additional conditions may apply to open these accounts.  For current CD rates and CD account information, contact a bank representative at 434-676-8444.  Benchmark Community Bank also posts bank rates including CD rates, savings rates and money market account rates on their website which is located at www.bcbonline.com.

Bank CD Rates Eureka Homestead

Since 1884, Eureka Homestead has been providing sensible savings and mortgage options to the Greater New Orleans community.  Eureka Homestead is chartered as a Savings Association.  The primary regulator is the Office of Thrift Supervision (OTS).  The bank has been FDIC insured since 1935.  At the end of 2008, the bank had assets of $111,491,000.  For the year of  2008 the bank had net income $1,322,000.  According to the FDIC required call report for the bank, Eureka Homestead had non-current loans that were 0% of total loans and leases.

Eureka Homestead had core capital or leverage ratio of 10.98% as of September, 2008.  At that time the bank also had tier 1 risk-based capital ratio of 21.10% and total risk-based capital ratio of 21.54%.

Eureka offers traditional deposit products including passbook savings accounts and certificates of deposit, as well as loan products.  The bank’s passbook savings account has a minimum to open of only $25.00, interest that is compounded daily and credited to the account quarterly.  The bank money market account has a minimum to open of $2,500.00 and no monthly penalty for balance below $2,500.  Interest is compounded daily and credited to account monthly.  The certificate of deposit minimum to open is $1,000.00 that has a variety of terms and rates, automatic renewal at maturity, interest compounded daily and interest credited to account monthly, quarterly or annually.

3 month CD rate is 1.75% APY
6 month CD earns a rate of 1.75% APY
1 year CD rate is 2.25% APY
18 month CD has a rate of 2.50% APY
2 year bump rate CD rate is 2.50% APY
30 month CD earns a rate of 2.75% APY
3 year CD rate is 3.00% APY
5 year CD rate is 3.25% APY

Eureka serves customers in the metropolitan New Orleans area.   The bank has no obligation to open or renew an account for anyone whose residence is outside of this area.  CD rates subject to change without notice and additional conditions may apply.  For current CD rates and account information the bank can be reached directly at 504-834-0242.  Bank CD rates and account data is also available on the bank website at www.eurekahomestead.com.

CD Rates State-Investors Bank

State-Investor Bank was founded in 1894, in Louisiana.  The bank has survived the Great Depression, two world wars and has been handling consumer accounts before the creation of the FDIC.  State-Investor Bank has four bank branch locations serving the region.  The bank has been FDIC insured since August 3, 1935.  State-Investors Bank is chartered as a Savings Association.  Therefore the primary regulator is the Office of Thrift Supervision (OTS).  At the end of 2008, the bank had assets of $207,164,000.  For the year, the bank had net income of $1,025,000.  For condition ratios, the bank had non current loans that were 1.17% of total loans, core capital or the leverage ratio was 9.26%, tier 1 ratio was 14.80% and the total risk based capital ratio was 15.63%.
 
State-Investor Bank has several different checking accounts so consumers can choose the best account to fit their individual needs in today’s financial world.  All State-Investors Bank checking accounts come complete with; unlimited check writing, free Internet banking and free telephone banking.  All State-Investors Bank savings accounts come with; free Internet banking and free telephone banking.  State-Investors Bank also offers a complete line of certificates of deposit (CDs) and Individual Retirement Accounts (IRAs).

With a minimum opening balance of $1,000.00, State-Investors Bank provides the following CD products:

A three month CD rate is 2.00% APY.
A six month CD rate is 2.25% APY.
A nine month CD rate is 2.50% APY.
A one year CD rate is 2.75% APY.
An eighteen month CD rate is 2.85% APY.
A twenty month CD rate is 2.90% APY.
A two year CD rate is 3.00% APY.
A thirty month CD rate is 3.10% APY.
A three year CD rate is 3.20% APY.
A four year CD rate is 3.25% APY.
A five year CD rate is 3.50% APY.
And a six year CD rate is 3.75% APY.
 
CD interest rates are subject to change. Additional conditions may apply.  For current bank CD rates and account information contact the bank directly at 866-379-2289.  Bank CD rates, account information and other disclosures can be found at the bank website, www.stateinvestor.com.

1 Year, 2 Year and 3 Year CD Rates at The First

The First, N.A. was founded in 1864.  The First is an independent community bank serving Mid-Coast and Down East Maine with 14 offices in Lincoln, Knox, Hancock and Washington Counties.  The bank provides a full range of consumer and commercial banking products and services.  First Advisors, a division of The First, provides investment advisory, private banking and trust services from two offices in Lincoln and Hancock Counties.

The First, N.A. that provides banking services primarily for small businesses and individuals.  The bank accepts various deposit products, including savings accounts, negotiable order of withdrawal accounts, demand deposits, money market accounts, and certificates of deposit.  The company also offers commercial loans, state and municipal loans, residential mortgage loans, home equity lines of credit, residential adjustable-rate mortgages, consumer loans, and fixed-rate loans.  In addition, the bank provides credit card servicing, ATM processing, private banking, and investment management and trust services.

As of December 31, 2008 the bank had assets of $1,294,504,000.  Through all of 2008 the bank earned $14,161,000.  The bank’s core capital ratio is 6.90%, tier 1 risk based capital ratio is 10.09 and the total risk based capital ratio is 11.10%.

The First has CDs that provide a savings choice when you would like a higher interest rate and don’t need urgent access to the savings.  The bank CDs have a variety of fixed interest rate terms, competitive rates of interest and interest is compounded daily.  The bank CD flexible terms run from one month to five years.  The CD fixed interest rates help avoid market fluctuations.  There is an automatic renewal option available on all selected accounts.  The CDs have a $500 minimum balance to earn the listed rate and APY.

1 month certificate of deposit rate is 1.00% APY
3 month certificate of deposit has an interest rate of 1.25% APY
6 month certificate of deposit earns a rate of 1.50% APY
1 year certificate of deposit has an interest rate of 1.85% APY
18 month certificate of deposit yields a rate of 2.00% APY
2 year certificate of deposit rate is 2.25% APY
3 year certificate of deposit has a rate of 3.00% APY
4 year certificate of deposit earns an interest rate of 3.25% APY
5 year certificate of deposit rate is 3.50% APY
The bank is also offering a special 7 month CD rate of 1.75% APY
And a Select Access 14 month CD with a rate of 2.25% APY

There is a minimum deposit of $2500.00 for Select Access CDs.  A withdrawal of interest will reduce CD interest earnings; all interest earned must remain on deposit for twelve months in order to obtain the disclosed APY.  Posted CD interest rates and APY are accurate as of today.  CD interest rates and APYs are variable at the discretion of the Bank and may change at any time.  For current CD rates and additional account information, a bank representative can be reached at 800-564-3195.  Bank CD rates as well as other rate data are available on the bank website located at www.the1st.com.

Bank of Zachary CD Rates

The Bank of Zachary was founded in 1904, in Louisiana.  The locally owned bank is the oldest State chartered bank in East Baton Rouge Parish.  The bank has been FDIC insured since 1934.  The Bank of Zachary is a Federal Reserve Non Member and the primary regulator is the FDIC.  The bank ended 2008 with $151,976,000 in assets and had $1,474,000 in net income.  For performance ratios, Bank of Zachary had core capital or leverage ratio of 8.55%, tier 1 risk based capital ratio 16.54% and total risk based capital ratio of 17.33%.

Bank of Zachary is engaged in primarily the same business operations as many independent commercial banks, with special emphasis in retail banking, including the acceptance of checking and savings deposits, and the making of commercial, real estate, personal, home improvement, automobile and other installment and term loans.  It also offers among its services, travelers’ cheques, safe deposit boxes, note collection, and other customary bank services to its customers, with the exception of trust services.  In addition, the bank offers drive-up teller services and night depository facilities. 

The Bank’s loan portfolio consists of three main areas.  Real estate construction and mortgage loans; loans to individuals for household, family and other consumer expenditures; and commercial and industrial loans.

With a minimum opening balance of $2,500.00 the Bank of Zachary offers the following CD rates:

A thirty day CD rate is 1.51% APY.
A ninety day CD rate is 2.02% APY.
A six month CD rate is 2.26% APY.
A one year CD rate is 2.52% APY.
An eighteen month CD rate is 2.63% APY.
A two year CD rate is 2.78% APY.
A three year CD rate is 2.83% APY.
And a four year CD rate is 2.93% APY.
 
CD interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at (225) 654-2701.  CD rates, account information and other disclosures can be found at the bank website, www.bankofzachary.com.

Red River CD Rates

Through much of its early history Louisiana was a trading and financial center, and its fertile land made it a prosperous region in America.  The prosperity was mainly due to the river system of the region, especially the “big river”.  The Red River and its tributaries were main arteries of transportation for the area along with the “big river”. 

The area of Alexandria is located along the Red River.  Within Aleaxandria is the    headquarters of Red River Bank.  Red River Bank is an independent community bank headquartered in Central Louisiana with banking centers also located in Northwest Louisiana.  The bank was established on January 14, 1999 and has been FDIC insured since that time.

Red River Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The deposits of Red River Bank are insured to the maximum extent permitted by the Federal Deposit Insurance Corporation.  The bank is a member of the Federal Home Loan Bank of Dallas.

As of the end of 2008 the bank had assets of $694,632,000 and for the full year of 2008 the bank had $6,490,000 in net income.  At that time, the bank also had core capital or leverage ratio at 8.09%, tier 1 risk-based capital ratio at 10.87% and total risk-based capital ratio at 11.84%.

In addition to the banks extensive range of products and services, the bank offers the latest in technology as well.  Personal accounts offered by the bank include totally free checking accounts, advantage checking accounts, money market investment accounts, Superior checking accounts, senior Platinum checking accounts, basic savings accounts, certificate of deposit, IRA and Health Savings Accounts (HSA).

The bank CD accounts offer a good choice to save for a vacation or college education and when investment money is not needed for a certain period of time.  This type of account offers the opportunity to save a specific amount of money for a specific amount of time, such as six months, one year, five years or ten years.  Because you agree to pay a penalty fee charged by the bank if you decide to withdraw your money before the end of the specified time period, interest rates will normally be higher than for a basic savings or money market account.

Red River Bank offers competitive rates on certificates of deposit including the following CD rates and terms.  These bank CDs rewire a minimum deposit of $500.00.

30-89 day CD earns a rate of 1.00% APY
90-179 day CD earns a rate of 1.25% APY
180-364 day CD earns a rate of 1.52% APY
12-17 month CD rate is 1.80% APY
18-23 month CD rate is 1.90% APY
24-35 month CD rate is 2.00% APY
36-47 month CD rate is 2.25% APY
48-59 month CD rate is 2.75% APY
60-83 month CD rate is 3.50% APY
84-120 month CD rate is 3.50% APY

The bank also offers the following special CD rates that require a minimum deposit of $10,000.

9 month CD rate is 2.02% APY
1 year CD earns a rate of 2.35% APY
18 month CD rate is 2.60% APY

The bank’s CDs do not compound interest; therefore, the APY is the same as the stated interest rate.  The interest rate and annual percentage yield will remain the same for the initial term of the CD unless a contractual agreement allows you to request a one-time rate change during the initial term.  Bank CD interest rates change periodically, for more information and current CD rates call the bank at 318-561-5800.   The most recent CD rates and more savings information is available on the bank website located at www.redriverbank.net.

Bank CD Rates at Earlham Savings Bank

Friendly, personalized attention and convenient, full-service banking is what Earlham Savings Bank strives to deliver.  Earlham Savings Bank first opened for business January 3, 1931 in Earlham, Iowa.  The bank now has bank branches in Earlham, DeSoto, Des Moines and West Des Moines, Iowa.  The bank has been FDIC insured since January 1, 1934.  Earlham Savings Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

The bank has been serving consumers banking needs from the early days of the Great Depression.  At the end of 2008, the bank had assets of $203,951,000.  And during these turbulent economic times, the bank had a net operating income of $1,523,000 for the year.  At the end of 2008, the bank’s performance and condition ratios were outstanding with a core capital or leverage ratio of 13.44%, a tier 1 risk-based capital ratio of 20.53% and a total risk-based capital ratio of 21.79%.

Earlham Savings Bank offers personal and commercial banking services.  The banks loan portfolio consists of agricultural loans, residential mortgages, commercial real estate, commercial operating lines of credit, and consumer loans.  Earlham Savings Bank offers a line of straight forward, hassle-free checking accounts.  The bank also offers four types of savings programs as well as a tiered money market account with competitive interest rates to help consumers and investors reach their goals.  The bank provides certificates of deposit terms that range from 91 days to 60 months.

3 month certificate of deposit has an interest rate of 1.00%
6 month certificate of deposit earns an interest rate of 1.75%
1 year certificate of deposit interest rate is 2.00%
18 month certificate of deposit yields an interest rate of 2.50%
2 year certificate of deposit interest rate is also set at 2.50%
3 year certificate of deposit interest rate is 3.00%
The 4 year and 5 year certificate also yields an interest rate of 3.00%

These bank CD rates require a minimum deposit of $10,000.00.  Bank CD rates may change without notice prior to account opening and additional conditions may apply.  Bank early withdrawal penalties may apply to these CDs.  For the latest CD rates and more account information contact a bank representative at 515-758-2251.  Bank rates are also available on the bank website which can be found at www.earlhambank.com.

Bank CD Rates and Steel Magnolias

Natchitoches, Louisiana is location for the main office of City Bank & Trust Company.  Natchitoches is an original French colony in Louisiana, established in 1714 as part of French Louisiana.  The community was named after the Natchitoches Indian tribe.  It is the oldest permanent settlement in the Louisiana Purchase territory.  It is also well known as the film site of “Steel Magnolias”.

City Bank & Trust Company has been serving the Natchitoches area for over 75 years.  The bank was established on January 1, 1933 and has four bank branches along with the main office in Natchitoches.  The bank has been FDIC insured since January 1, 1934.  City Bank & Trust Co is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

Total assets of the end of the year 2008 stood at $207,629,000.  For all of 2008 the bank had net income of $4,003,000.  At the end of 2008 the bank had noncurrent loans that were only 0.22% of total loans and leases.  The bank core capital (leverage) ratio 8.32%, tier 1 risk-based capital ratio was 17.64% and total risk-based capital ratio 18.31%.

City Bank & Trust Company offers a full range of competitive products including ATM services, VISA check card, 24 hour banking through our Access 24 network, and a variety of loans including consumer, commercial and residential.

The bank CDs have a minimum deposit to open an account and obtain the listed APY is $1,000.00.   CD interest is compounded monthly on all maturities over 31 days.  The daily interest is determined by the application of a daily periodic rate to the full amount of principle in the account each day.

90-179 day CD interest rate is 1.21% APY
6 month CD rate is 2.14% APY
1 year CD rate is 2.38% APY
18 month CD rate is 2.48% APY
2 year CD rate is 2.51% APY
3 year CD earns a rate of 2.59% APY
5 year CD rate is 3.06% APY

Bank CD rates are subject to change prior to open the accounts.  Additional conditions may apply.  For up to date bank rate and account information, the bank can be reached at 318-352-4416.  Bank CD rates as well as other bank savings rate can be found on the bank web site located at www.mycitybank.com.

CD Rates at Central Progressive Bank

Lacombe is located in St. Tammany Parish, Louisiana, United States.  It is part of the New Orleans–Metairie–Kenner Metropolitan Statistical Area.  It is also the location for the main office of Central Progressive Bank.  Central Progressive Bank was established in 1967 in Amite, LA.  Central Progressive Bank has 16 bank branches in Southeastern Louisiana.  The bank is a local financial institution and a wholly owned subsidiary of Blossman Bancshares, Inc.  Central Progressive Bank serves Livingston, Washington, St. Tammany, and Tangipahoa Parishes in Louisiana.  The bank is a leading financial institution in the area, with a commitment to innovative banking products and personal service.

Central Progressive Bank is chartered as a Federal Reserve Non-member. Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC). The bank has been FDIC insured since January 3, 1967.  At the end of 2008, the bank had total assets of $437,421,000 and a net loss of -$21,535,000.  At the end of the year the bank had noncurrent loans that were 19.41% of total loans.  The bank’s core capital (leverage) ratio was 8.45%, tier 1 risk-based capital ratio of 10.15% and total risk-based capital ratio of 11.46%. 

In 2007, the bank had received a cease and desist order for certain activities that stemmed from an audit by the FDIC in 2006.  The order dictated that the bank include an overhaul of Central Progressive’s lending policies, including stricter loan-making standards and closer monitoring of the loan portfolio to identify credit weaknesses and to stop “unsafe or unsound practices” that jeopardize deposits.

Central Progressive Bank has introduced a variety of banking products and services to the marketplace, including some attractive CD rates.

90-181 day CD rate is 1.60% APY
182-364 day CD rate is 1.70% APY
12 month to 23 month CD rate is 2.05% APY
16 month CD rate is 2.78% APY
24 month to 29 month CD rate is 2.75% APY
30 month to 35 month CD rate is 2.20% APY
36 month to 47 month CD rate is 2.40% APY
48 month to 59 month CD rate is 2.40% APY
60 month and greater CD rate is 2.45% APY

Bank CDs with less than one year terms have a minimum deposit requirement of $1,000.00.  Bank CDs with terms of one year or greater require a $500.00 minimum deposit.  CD interest is calculated on a simple interest basis and requires interest to be paid at least annually on CD’s more than one year.  CD’s in the amount of $10,000 or less must have interest deposited into an account at Central Progressive Bank.  A penalty may be imposed for early withdrawal.

CD rates are subject to change without notice.  For timely bank rates including CD rates, contact the bank directly at 866-580-2265.  The bank website posts current CD rates as well as other savings rates and account information, the bank web address is www.cpb.com.

Bank CD Rates with Camden National Bank

Camden National Bank is a full service community bank with a network of 37 bank branches serving coastal, western, central, and eastern Maine.  The bank provides commercial and consumer banking products and services primarily in Maine.  It principally engages in the standard banking activities of making deposits and originating loans.  The bank’s deposit products include NOW accounts, savings accounts, money market accounts, certificates of deposit, and demand deposits.  Its lending products include residential mortgage loans, commercial business loans, commercial real estate loans, and consumer loans.

The company was founded in 1875 and is headquartered in Camden, Maine.  Camden National Corporation operates as the holding company for Camden National Bank. Camden National Corporation, through Acadia Financial Consultants, also provides brokerage and insurance services.  In addition, it offers trust, trust-related, investment, and wealth management services, as well as retirement and pension plan management services to individual and institutional clients, through its other subsidiary, Acadia Trust, N.A.  The bank had total assets at December 31, 2008 of $2.3 billion.  For the year, the bank had net income of $15.3 million.  Camden National Bank reported a total risk-based capital ratio of 11.53%, tier 1 capital ratio of 10.30%, and tier 1 leverage capital ratio of 6.61%.

With higher rates of return than traditional savings accounts, CDs offer safe, guaranteed ways to save.  Camden National Bank offers certificates of deposit with fixed rates for the term of the CD and FDIC insurance (up to the maximum allowed by regulation), so there is no risk or loss of principal as long as funds remain on deposit.  Interest earnings are available monthly, and can be paid out by check, deposited into an account, or reinvested back into the principal.  CDs will automatically renew at maturity and provide a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged a penalty or to notify us not to renew the certificate.  A penalty may be imposed for early withdrawal, please see Camden National Bank’s disclosure book for details.

CD rates:

3 month certificate of deposit rate is .75% APY
6 month certificate of deposit has a rate of 1.50% APY
1 year certificate of deposit earns and interest rate of 1.75% APY
18 month certificate of deposit rate is 2.00% APY
2 year certificate of deposit has an interest rate of 2.50% APY
3 year certificate of deposit earns and interest rate of 1.75% APY
4 year certificate of deposit has an interest rate of 3.25% APY
5 year certificate of deposit interest rate is 3.50% APY

Minimum opening deposit for these CD rates is $500.00.  For current CD rates and other bank rates call Camden National Bank at 800-860-8821.  Additional CD rates and account information is available on the bank website which is located at www.camdennational.com.

MidWestOne Bank CD Rates

MidWestOne Bank provides retail and commercial banking, and related financial services in Iowa.  The company’s deposit products include demand, savings, time deposits, and certificates of deposit.  It also offers real estate, commercial, agricultural, and consumer loans, as well as trust services.  The bank offers its services to individuals, small to medium sized business, farmers, government and public entities, and not-for-profit organizations.  MidWestOne Bank has 29 bank branches. 

MidWestOne Financial Group is the holding company for MidwestOne Bank as well as Iowa State Bank and Trust, and First State Bank, Iowa.  These banks operate bank branches in south-central and eastern Iowa.  Together, the banks offer standard deposit products such as checking and savings accounts, CDs, and IRAs, in addition to trust services, credit cards, insurance, and brokerage and investment services.  MidWestOne Financial Group had total assets of $1,505,501,000 at the end of 2008.  Net income for the year was a $24,562,000 net loss.

The banks fourth quarter earnings were significantly impacted by goodwill adjustments and other one time charges.  When one accounts for all of the one-time charges, the company actually earned a small profit from ongoing operations in the fourth quarter.  Nonperforming loans in the bank loan portfolio totaled $14.6 million as of December 31,2008, which was 1.43% of total bank loans.  The bank is considered well capitalized for regulatory purposes.

With a minimum balance of $10,000.00-$24,999.99 MidWestOne Bank offers the following CD rates:

A one month CD rate is 1.00% APY.
And a two month CD rate is 1.05% APY.

With a minimum balance of $1,000.00-$9,999.99 MidWestOne Bank offers the following CD rates:

A three month CD rate is 0.75% APY.
A six month CD rate is 1.50% APY.
A nine month CD rate is 1.75% APY.
A one year CD rate is 1.75% APY.
An eighteen month CD rate is 1.95% APY.
A two year CD rate is 2.05% APY.
A thirty month CD rate is 2.15% APY.
A three year CD rate is 2.40% APY.
A four year CD rate is 2.75% APY.
And a five year CD rate is 3.00% APY.

The bank is also currently providing the following CD specials.  With a  minimum opening balance of $1,000.00-$9,999.99 a seventeen month CD special earns an interest rate of 2.00% APY and a fifty-nine month CD special has an interest rate of 3.00% APY.
 
The Daily Balance Method is used to calculate interest on the bank CD accounts.  This method applies a daily periodic rate to the principal balance in the account each day.  Interest will compound quarterly on all certificates of deposit 3 months and longer.  Interest will compound at maturity on CDs shorter than 3 months. 

CD rates are subject to change without notice.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 800-247-4418.  CD rates, account information and other disclosures can be found at the bank website, www.midwestone.com.

Quad Cities CD Rates

The Quad Cities is a geographic region of the Mississippi Valley that identifies four cities in the states of Iowa and Illinois.  The cities that are the basis for the name of the region called the Quad Cities are Davenport, Rock Island, Moline and East Moline.  In addition to the four cities, numerous other towns and cities immediatley surrond this area including the town of Milan, Illinois.  Milan is where Blackhawk Bank and Trust was originally started in 1961.

Blackhawk Bank & Trust has since its start has expanded into Rock Island, Coal Valley, Moline, East Moline, Silvis, Colona, Geneseo, Illinois and most recently into Davenport, LeClaire and Princeton Iowa.  The bank is a locally owned and operated bank committed to providing outstanding customer service and satisfaction.  Blackhawk Bank and Trust has 14 bank branches serving the Quad Cities and other areas across the river in Iowa.
 
The bank has been FDIC insured since its inception in 1961.  Blackhawk Bank & Trust is chartered as a Federal Reserve Non-member.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  As of September, 2008 the bank had assets of over $825,000,000.  Through September in 2008 the bank had turned a profit of $6,625,000.

Blackhawk Bank and Trust offers competitive interest yields on their CD products that are available in terms ranging from as few as 3-months to 2-1/2 years, the bank has CD option that will fit nearly any budget or plan.

With a minimum opening balance of $2,500.00 Blackhawk provides the following CD products:

A three month CD rate is 1.50% APY.
And a six month CD rate is 1.75% APY.

With a minimum opening balance of $500.00 Blackhawk also provides the following CD products:

A one year CD rate is 2.50% APY.
An eighteen month CD rate is 2.60% APY.
A two year CD rate is 2.50% APY.
And a thirty month CD rate is 2.60% APY.
 
 The annual percentage yield and bank CD interest rates disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.  Bank CD interest rates are subject to change.  Additional conditions may apply.  For up to date CD rates and account information contact the bank directly at 309-787-4451.  CD rates, account information and other disclosures can be found at the bank website, www.bhsb.com.

CD Rates in Rhode Island

Newport, Rhode Island is located in an absolutely gorgeous section of New England.   Known for being a New England area summer resort and for the famous Newport Mansions.  The land and coastline of Newport is unsurpassed in its beauty.  A brief trip along the shore and it is easy to see why the mansions of Newport were built by the rich and famous in the mid to late 19th century.  And you can find some great bank CD rates within the regions scenic beauty as well.  

Newport, Rhode Island was founded in 1639.  180 years later, BankNewport was founded in 1819 in Rhode Island.  The bank has been FDIC insured since 1960.  BankNewport is chartered as a FDIC Savings Bank.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank is currently holding over $1 billion in assets.  Through the first nine months of 2008 the bank had a net loss of -$14,776,000.  However the bank realized securities losses of -$18,621,000 during that time and actually had a net operating income of $3,845,000.  The bank’s core capital or leverage ratio was 7.51%, the tier 1 risk-based capital ratio was 11.42% and the total risk-based capital ratio12.23%.  Non current loans remained a low 0.56% of total loans and leases.

The bank has twelve bank branches in the region.  The bank offers personal and commercial savings accounts, money market savings accounts, and checking accounts.  The bank also provides residential mortgages, home equity loans and lines of credit, and auto loans, as well as commercial real estate loans, lines of credit, and term loans.  In addition, it offers insurance, merchant, payroll, and safe deposit services.

BankNewport offers a variety of savings accounts.  With the bank’s CDs, an accountholder can earn a higher rate of interest when they lock-in to a specific term for a period of 90 days to five years.  Traditional, Roth and Education IRAs (Individual Retirement Accounts) certificates are available for periods of 6 months or more.

With a minimum deposit of $1,000.00 BankNewport provides the following CD products:

A one year CD rate is 2.00% APY.
An eighteen month CD rate is 2.25% APY.
A two year CD rate is 2.25% APY.
A thirty month CD rate is 2.25% APY.
A three year CD rate is 2.25% APY.
A four year CD rate is 2.25% APY.
And a five year CD rate is 3.00% APY.
 
The bank is also currently offering the following CD specials.  A five month CD special earns an interest rate of 2.25% APY.  A 15 month special CD rate is being offered at 2.50% APY.
 
Bank CD interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 401-245-5522.  CD rates, account information and other disclosures can be found at the bank website, www.banknewport.com.

Tescott’s Bank CD Rates

Tescott is just minutes from Salina and 95 miles north of Wichita.  It’s not very glamorous.  Not the the town of , rather the origin of its name.  The town was named after a man herding sheep.  In 1865, Thomas Eugene Scott came to Kansas while herding sheep across the Midwest.  In memory of Mr. T.E. Scott the town was named Tescott. 

The Bank of Tescott was established on January 1, 1887.  One of the signers of the Certificate of Incorporation for the bank was the man the town was named after, T. E. Scott. 

The bank is chartered as a Federal Reserve Non-member.  The bank has been FDIC insured since January 1, 1934.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  Total assets of the bank were $186,268,000 as of September 30,2008.  At that time, non-current loans represented only 0.16% of total loans and leases, tier 1 risk-based capital ratio was 17.54% and the total risk-based capital ratio was 18.80%.  The first nine months of 2008, the bank had net income of $2,828,000.

The Bank of Tescott offers a wide assortment of services and products for the consumers in this region.  The bank offers a regular savings account and children’s savings account.  Both savings accounts provide a safe place for our customers to keep small or large amounts money while earning interest.  The bank offers a tiered money market account that allows its customers to deposit their money and use their funds on daily basis.  This is an interest bearing account with a $500.00 minimum balance and limited check writing availability.  The CDs offered by the bank have competitive yield with the safety of bank deposit insurance.

CD rates currently promoted include the following:

3 month CD interest rate 1.54%, APY 1.55%
6 month CD interest rate 2.39%, APY 2.40%
9 month CD interest rate 2.48%, APY 2.50%
12 month CD interest rate 2.04%, APY 2.05%
15 month CD interest rate 2.08%, APY 2.10%
18 month CD interest rate 2.09%, APY 2.10%
19 month CD interest rate 3.08%, APY3.10%
24 month CD interest rate 2.24%, APY 2.25%
36 month CD interest rate 2.53%, APY 2.55%
48 month CD interest rate 2.88%, APY 2.90%
60 month CD interest rate 2.98%, APY3.00%

There is a $1,000.00 minimum balance on all CD’s.  Bank CD rates are subject to change and additional conditions may apply to open these accounts.  The latest bank CD rates can be obtained by calling the bank at 785-283-4217.  Bank rate information is also available on the bank website which can be found at www.bankoftescott.com.

Bank CD Rates at Capital Community Bank Utah

Capital Community Bank was founding in 1993.  The bank serves Utah county residents through four full-service offices in Orem, Provo, Salem, and Pleasant Grove.  The bank offers various saving and checking accounts as well as loan products including conventional business loans and small business loans.  The Bank also provides consumer loans, commercial and residential real estate loans.  With four offices located in Utah Valley, Capital Community Bank makes all its financial decisions quickly and locally.
 
Capital Community Bank has been FDIC insured since July 29, 1993.  The bank is chartered as a Federal Reserve Non-member, the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The banks assets were approximately $139,897,000 as of September 2008.  For the first nine months of 2008, the bank had net income of $485,000.  At the same period, the bank’s tier 1 risk-based capital ratio was 14.41%, total risk-based capital ratio was 15.66% and the percent of loans noncurrent total loans and leases was 4.73%.

Capital Community Bank has financed the construction of hundreds of homes in Utah Valley, helped hundreds of small businesses with their financing and depositing needs and provided low-cost deposit accounts and loans for thousands of local individuals

The bank has a variety of checking accounts including one with no monthly fees, no minimum balance and no limit on the number of checks written.  The bank’s NOW checking account earns interest on the entire balance and there’s no limit on the number of checks written.  This account requires a $1,000 minimum balance.  The money market account earns interest on the entire balance and there’s no limit on internal transfers.  Requires $1,000 minimum balance, there is a maximum of 6 third-party debits per month, 3 of which may be by check.  Capital Community Bank offers CD products with a minimum balance of $1,000.00 including the following CD rates and terms:

A one month CD rate is 1.51% APY.
A six month CD rate is 2.27% APY.
A twelve month CD rate is 2.63% APY.
A twenty-four month CD rate is 2.78% APY.
A thirty-six month CD rate is 3.03% APY.
And a sixty month CD rate is 3.55% APY.
 
Bank CD interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 801-226-6699.  CD rates, account information and other disclosures can be found at the bank website, www.capitalcombank.com.

CD Rates not just for Truckers

Transportation Alliance Bank offers a full line of products for personal and commercial banking needs.  The bank was founded in 1998 and is based in Ogden, Utah. Transportation Alliance Bank, Inc. operates as a subsidiary of Flying J, Inc.  As a wholly owned subsidiary of Flying J Inc., the nation’s leading retailer of diesel fuel. Transportation Alliance Bank offers a broad program of innovative financial services to the professional trucking market.  This includes both individual drivers and fleet motor carriers. 

Transportation Alliance Bank also offers financial products to other customers of Flying J, including RV’ers, consumers and other interstate highway travelers.  The bank has developed a variety of financial products, including: accounts receivable financing, MasterCard® debit and credit cards, equipment loans, savings and investing programs and an extensive network of ATM’s located in Flying J travel plazas across the country.

Flying J, a privately held company headquartered in Ogden, Utah and is currently ranked among Forbes Top 20 Private Companies in America.  Transportation Alliance Bank, Inc. is chartered as a Federal Reserve Non-member the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has been FDIC insured since October 1, 1998.  The bank had assets of over $600,000,000 on September of 2008.  Through September 2008 the bank had net income of $1,776,000.

Transportation Alliance Bank has a number of products for personal banking needs.  The bank has online services, debit cards with free checking, credit cards, and traditional savings accounts.  Within the saving account options, Transportation Alliance Bank offers premium savings accounts, certificates of deposit (CD), Health Savings Accounts, money market accounts, traditional IRA, Roth IRA, and Coverdell Education savings accounts.
 
A certificate of deposit with the bank is a savings deposit that guarantees interest rates for periods from 3 to 60 months.  The CDs earn a fixed interest rate for a selected term and there is a penalty for early withdrawal.  Transportation Alliance Bank CDs can be opened with as little as $1,000.
 
A three month CD rate is 1.50% APY.
A six month CD rate is 2.00% APY.
A twelve month CD 2.50% APY.
A twenty-four month CD rate is 2.60% APY.
A thirty-six month CD rate is 2.70% APY.
A forty-eight month CD rate is 2.85% APY.
And a sixty month CD rate is 3.00% APY.
 
CD interest rates are subject to change.  Additional conditions may apply.  For current CD rates and account information contact the bank directly at 800-355-3063.  CD rates, account information and other disclosures can be found at the bank website, www.tabbank.com.

CD Rates in Dubuque

Dubuque Bank & Trust Company operates five offices in Dubuque, Iowa and offices in the nearby communities of Epworth, Farley and Holy Cross.  The bank has been serving the region since 1935 and has been a member of FDIC since that time.  With assets in excess of $1 billion, it is among the largest commercial banks in the state of Iowa.  Dubuque Bank and Trust Company is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

Dubuque Bank and Trust Company is part of Heartland Financial USA, Inc.  Heartland Financial USA, Inc. is a $3.6 billion diversified financial services company providing banking, mortgage, wealth management, insurance and consumer finance services to individuals and businesses.  The Company currently has 61 banking locations in 42 communities in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado and Minnesota. Heartland Financial USA, Inc. is listed on Nasdaq.  Its trading symbol is HTLF.

Dubuque Bank and Trust serves a large client base that includes corporations and institutions, small and medium-sized businesses and individuals.  The bank offers a wide array of deposit accounts, insurance services, brokerage services, managed accounts, and credit services.  The bank offers a full range of deposit and loan products at competitive rates.  With the banks different savings options, accountholders can choose from accounts that offer traditional features to those that provide limited access, and may offer higher rates of return.

At the present time, the bank is promoting the following special CD rates and terms.
A 7 month CD interest rate is at 2.73%, 2.75% APY with a $5,000.00 minimum deposit.  A 36 month CD earns an interest rate of 3.37%, 3.40% APY with a $1,000.00 minimum deposit.  And a 60 month CD has an interest rate of 3.86%, 3.90% APY with a $1,000.00 minimum deposit.

These rates may change at any time without prior notice.  For up-to-date bank CD rates contact one of their personal bankers at 563-589-2091.  The bank maintains a website at www.dubuquebank.com that has savings account options information and details as well as current bank CD rates.

Freedom National Bank CDs

Freedom National Bank is a community bank serving Northern and Northwest Rhode Island.  Freedom National Bank was established on November 29, 2001 and has been FDIC insured since that time.  The bank is chartered as a National Bank.  Therefore the primary regulator is the Office of the Comptroller of the Currency (OCC).  As of September 30, 2008 the bank had assets of $75,408,000.  At that time the bank had a tier 1 risk-based capital ratio of 10.44% and a total risk-based capital ratio of 11.69%.  Through the first nine months of 2008 the bank had net income of $32,000.

Freedom National Bank melds together a combination of modern technology and old-fashioned personalized service.  The bank has accounts that span from personal or business checking, savings and certificates of deposit, small business loans and commercial mortgages.  Freedom National Bank has savings and certificate accounts that offer competitive rates and terms for all a variety investment needs.

The bank has a number of checking accounts to choose from.  They have many ways to get no monthly fee and no minimum balance checking accounts.  The bank’s ‘CHOICE’ checking accounts offer the account holder the freedom to select the account that fits their lifestyle.  They even have free checking account with OOPS (Occasional Overdraft Privilege Protection).

Freedom National Bank displays the following CD rates:

A 3 month CD with an interest rate of 2.25 % APY, 6 Month CD earning an interest rate of 2.25% APY, 9 month CD has an interest rate of 2.50% APY, 12 month CD earns an interest rate of 2.50% APY, 18 month CD provides a rate of 2.75% APY, a 24 month CD earns an interest rate of 3.00% APY, a 36 month CD has a interest rate of 3.00% APY, 48 month CD earns an interest rate of 3.20% APY,  60 month CD earns a interest rate of 3.30% APY.

Bank CD rates are subject to change without notice.  Additional conditions may apply for these accounts.  For recent CD rates and account disclosures contact the bank directly at 1-866-920-2265.  The bank also updates its website with the existing CD rates at www.freedomnationalbank.com.

VIST Bank CD Rates

VIST Bank is a state chartered, FDIC insured commercial bank, with offices throughout Berks, Schuylkill, Montgomery, Delaware, and Philadelphia counties.  The bank was established on April 8, 1891.  It has been FDIC insured since January 1, 1934.  VIST Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  Through September 30, 2008 the bank had assets of $1,159,357,000 and $5,283,000 in net operating income.

VIST Bank is part of VIST Financial Corp. (NASDAQ: VIST), formerly Leesport Financial Corp, a financial services company headquartered in Wyomissing, Pennsylvania. 

VIST Financial Corp offers banking, insurance, investment, and mortgage services. we have the unique position of being a trusted financial advisor and partner for all our customers’ financial needs.  The company is committed to be an outstanding corporate citizen in our communities, with an emphasis on economic development and financial literacy.

The banking division delivers a wide range of services that can make personal banking more convenient – and life more rewarding.  Bank products and services include: checking, savings, loans and lines of credit, web banking and bill pay, credit and debit cards, personal investments, personal insurance and account services.

For those customers looking for a safe, secure solution with a solid return, the bank provides certificates of deposit terms ranging from one week to several years, allowing investors to you choose the certificate of deposit that best meets their short- or long-term savings goals.

1 month certificate of deposit has an interest rate of 1.65% APY
3 month certificate of deposit interest rate is 1.75% APY
6 month certificate of deposit rate is 1.85% APY
1 year certificate of deposit has an interest rate of 2.25% APY
2 year certificate of deposit rate is 3.00% APY
3 year certificate of deposit yields a rate of 3.25% APY
5 year certificate of deposit has an interest rate of 3.75% APY

Minimum deposit  for the one month CD is $2,500.00 and $500.00 for all other listed CDs.  Bank CD rates are subject to change at the banks discretion prior to opening the account.  Additional conditions may apply for these bank CDs.  The bank can be reached for current CD rates and account information at 888-238-3330.  The bank also post current CD rates as well as other bank savings rates on their website at www.leesportfc.com.

CD Rates of Mena

Mena is a vacation and retirement paradise.  This paradise is situated within the mountains, valleys, thick forests and fertile plains within the borders of the United States.  A paradise that can be found in Polk County, Arkansas.   A paradise that is the hometown of Union Bank of Mena.

Union Bank of Mena was established in 1934 by a group of local businessmen who had a deep commitment to the people of Polk County.  The Union Bank of Mena has full-service bank branches in Mena, Wickes and Hatfield Arkansas.

Union Bank of Mena is chartered as a Federal Reserve Non-member.  The bank has been FDIC insured since July 26, 1934.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank had total assets of $153,894,000 at the end of September 2008.  Through that time period the bank had $2,406,000 in net income.  At the same period the banks non current loans were a low 0.60% of total loans and leases.  The banks tier 1 risk-based capital ratio was 13.30% and the total risk-based capital ratio was 14.55% at the end of September 2008.  This figures places the bank in paradise as being above well capitalized.

Whether a customer wants to save for a vacation, college or retirement, Union Bank has a savings or investment account that can help.  The bank offers money market accounts, savings accounts, certificates of deposit and Individual Retirement Accounts.

The certificates of deposit are purchased for a specific amount, term and rate.  The term on these certificates of deposit available range from 31 days to 60 months.  The interest rate is determined by the term.  CD interest can be added to the value of the certificate, credited to a checking or savings account or paid by check.

3 month CD rate is .50% APY
6 month CD interest rate is 1.26% APY
One year CD has an interest rate of 1.56% APY
18 month CD rate is 1.86% APY
Two year CD also earns an interest rate of 1.86% APY
Three year CD has an interest rate of 1.91% APY
Four year CD also has a rate of 1.91% APY
Five year CD interest rate is 2.27% APY

CD interest rates subject to change at any time prior to account opening.  For the latest bank CD rates, the bank can be contacted at 800-511-0786.  Bank rates and additional information is available on the bank website located at www.unionbankofmena.com.

More PA CD Rates


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Abington Bancorp, Inc. is the holding company for Abington Bank.  Abington Bank is a Pennsylvania state chartered, FDIC-insured savings bank which was originally organized in 1867.  Abington Bank conducts business from its headquarters and main office in Jenkintown, Pennsylvania as well as twelve additional full service branch offices and seven limited service banking offices located in Montgomery, Bucks and Delaware Counties, Pennsylvania.  Jenkintown, Pennsylvania, is approximately eight miles north of center city Philadelphia.  As of December 31, 2008, Abington Bancorp had $1.19 billion in total assets, $665.0 million in total deposits and $238.1 million in stockholders’ equity.

Abington Bank is primarily engaged in attracting deposits from the general public and using those funds to invest in loans and securities.  The bank funds are primarily used for the origination of various loan types including single-family residential mortgage loans, construction loans, non-residential or commercial real estate mortgage loans, home equity loans, commercial business loans and consumer loans.  The bank states that they have not engaged in, and do not plan to engage in, subprime lending, and their operations have not been directly affected by the fallout in the subprime credit markets.  Through the first nine months of 2008 the bank had net income of $6,075,000.

Abington Bank offers various deposit and transaction acounts.  Abington Bank has passbook accounts that are interest bearing accounts that allow unlimited deposits and withdrawals.  The banks statement savings account is an interest earning account with a minimum opening balance only $1.  The savings account can be used for overdraft protection for an Abington Bank checking account and has quick and easy access through any ATM.  There is a money market account that uses the daily balance method to calculate interest and the interest is credited at the end of every statement cycle.  This money market account allows a maximum 6 transfers per month but unlimited in-branch transfers.  This accounts offer maximum return, high liquidity, and is FDIC safe.  The bank also provide on line banking and telephone banking services.

For consumers and investors who are in the market for a long or short-term investment, certificates of deposit (CDs) may be just the right bank product.  CDs are among the safest investment available.  They are easy to understand and there is no fee or sales charge involved.  CDs are protected from market value risks, since both the principal and interest are guaranteed.  Abington Bank CD accounts have terms from 5 months to 10 years.  The bank certificate rates and terms apply to their Individual Retirement Accounts as well.

6 month certificate of deposit rate is 2.25% APY
1 year certificate of deposit has an interest rate of 3.00% APY
18 month certificate of deposit also has a rate of 3.00% APY
2 year certificate of deposit earns an interest rate of 3.25% APY
3 year certificate of deposit has a rate of 3.25% APY as well
5 year certificate of deposit yields an interest rate of 3.50% APY

Certificates of deposit will automatically renew at the same term and current interest rate if no changes are made.  Minimum balance to open any certificate of deposit is $1,000.00.

Bank certificate of deposit rates are subject to change at the bank’s discretion.  Additional account conditions may apply to open these accounts.  Current CD rates and account details can be obtained by contacting the bank directly at 215.886.8280.  The bank  provides account information and current bank rates on their website at www.abingtonbankonline.com.

Certificate of Deposit Rates in Jonestown

This bank was founded in 1873 and is based in Jonestown, Pennsylvania.  As a state bank, the bank is subject to regulation of the Pennsylvania Department of Banking and the Federal Deposit Insurance Corporation.  Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has been FDIC insured since January 1, 1934.  The area served by the bank is principally Lebanon County, Pennsylvania.  The bank has eight bank branch locations serving this region.  As of September 2008 the bank had assets of $294,349,000 and net income through the first nine months of 2008 of $2,149,000.

Jonestown Bank and Trust Company provides various banking products and services, as well as trust services in Pennsylvania.  The bank’s deposit products and services include non interest checking, regular checking, freedom checking, interest checking, premier checking, prestige checking, money market account, statement savings, young investors savings, certificates of deposit, and individual retirement accounts.  The banks loan product offerings includes mortgages comprising first time home buyers loans, fixed rate loans, adjustable rate loans, construction loans, conventional loans, home equity loans and home equity lines of credit, auto loans, credit cards as well as commercial loans.  Jonestown Bank and Trust Company also offers electronic banking and Internet banking.  In addition, the bank provides investment services, including investments and retirement plans; and trust services comprising investment management, executor, testamentary, trustee, estate planning, and asset protection services.

The bank is now offering the following special CD rates, and terms and standard CD rates and terms.

Special CD rate promotions include a 48 month CD has an interest rate of 3.45% APY and a 24 month CD earns a rate of 2.95% APY.

The standard CD rates and terms are:

7 to 31 days certificate of deposit earns an interest rate of 1.50% APY
3 month certificate of deposit has an interest rate of 1.60% APY
6 month certificate of deposit yields an interest rate of 1.70% APY
1 year certificate of deposit rate is 1.90% APY
18 month certificate of deposit interest rate is 2.10% APY
2 year certificate of deposit earns an interest rate of 2.20% APY
3 year certificate of deposit yields an interest rate of 2.35% APY
4 year certificate of deposit has an interest rate of 2.75% APY
5 year certificate of deposit rate is 2.80% APY

Certificate of deposit interest rates subject to change without notice.  Fees may reduce earnings.  CD Specials may be withdrawn at any time and are not good in conjunction with any other offer.  There are penalties for early withdrawal.  The CDs have a $500 minimum deposit.

For current CD rates and account information a bank representative can be reached at 717-274-7557.  The bank web address is www.jonestownbank.com.

Ohio CD Rates at The Bartlett Farmers Bank

The Bartlett Farmers Bank serves customers with three bank branches in Bartlett, Barlow and Little Hocking Ohio.  The bank was established on October 23, 1919 and has been FDIC insured since January 1, 1934.  The Bartlett Farmers Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The Bartlett Farmers Bank operates as a wholly owned subsidiary of Muskingum Valley Bank Shares Inc.

The Bartlett Farmers Bank has grown to $50,000,000 in assets in 2008 and had net income of $344,000 for the first nine months of that year.  The banks non current loans accounted for only 0.22% of total loan and leases at the end of the third quarter in 2008.  Tier 1 risk-based capital ratio was 18.91% and the total risk-based capital ratio was 19.81%.  Well above the requirements to be considered a well capitalized bank.

The bank offers a vast portfolio of products and services for both individuals and businesses.  The bank has low rates on loans, competitive earnings on savings, and leading edge technology in the services provided.  Based on the region the bank serves, the bank serves agricultural, commercial and retail banking needs in the area.  Bank products include checking, savings, CDs and money market accounts for transactions and savings needs and mortgages, home equity loans, credit cards and other loans to meet financing needs.

Current CD rates offered by the bank include the following:

3 month certificate of deposit interest rate is 2.49% APY
6 month certificate of deposit has an interest rate of 2.73% APY
1 year certificate of deposit yields an interest rate of 2.84% APY
2 year certificate of deposit earns a rate of 3.14% APY
3 year certificate of deposit has an interest rate of 3.24% APY
4 year certificate of deposit rate is 3.10% APY

The minimum deposit to open these CD accounts and obtain the advertised yield is $500.00.

Bank CD rates are subject to change prior to opening the account and additional conditions may apply.  For the latest bank account requirements and bank rates contact the Bartlett Farmers Bank at 800-258-5073.  The bank’s website posts current interest bearing savings and checking rates, the web address is www.bartlettbank.com.

Bank CD Rates in Oaks Village

Oaks is a village located in Montgomery County, Pennsylvania, 18 miles northwest of Philadelphia.  The Schuylkill River runs through the village as did the Reading Railroad.  Phoenixville Federal Bank & Trust traces its origin to this tiny village of Oaks, Pennsylvania in the year 1911.  Phoenixville Federal Bank and Trust has been FDIC insured since January 12, 1940.  The bank is chartered as a Savings Association.  Therefore the primary regulator is the Office of Thrift Supervision (OTS). 

The bank has five bank branches in Pennsylvania.  At the end of September 2008, the bank had assets of $344,038,000 and net income of $823,000 the first nine months of 2008.  At that time, the bank had non current loans as a percent total loans and leases of only 0.17%.

The bank offers a full range of banking services, including wealth management services to meet individual and business needs, the bank maintains a primary goal of promoting thrift and home ownership in the region.

Phoenixville Federal Bank and Trust offers a variety of Checking Accounts to meet the personal and business checking needs of its members.  They include the Absolutely Free Checking, 50 N’ Better Free Interest Checking, Direct Free Interest Checking, Premium Interest Checking, Free Business Checking, NOW Business Checking with Interest, Commercial Checking and Free Non-Profit Checking with Interest.  These checking accounts come with various features and benefits.

The bank also offers a multitude of savings accounts.  The Phoenixville Federal Bank and Trust regular passbook account has interest compounded daily and posted quarterly, deposits or withdrawals can be made at any time.  There is a minimum of $100 to open the account, earn interest and avoid service fee.  A monthly service fee of $2 is charged if daily balance falls below $100.

The bank has a money market account with a variable rate in which the interest is compounded daily and credited monthly, based on tiered balances.  There is a minimum of $2500 to open the account, earn interest and avoid service fee.  A monthly service fee of $4.00 is charged if the daily balance falls below $2500.  The money market account allows three cleared checks per statement cycle.

Phoenixville Federal Bank and Trust is currently promoting special offer certificates of deposit.

2 month certificate of deposit has an interest rate of 2.15% APY
9 month certificate of deposit rate is 2.50% APY
14 month certificate of deposit earns an interest rate of 3.00% APY
27 month certificate of deposit yields a rate of 3.10% APY

There is $10,000.00 minimum deposit required for the 2 month CD and $1,000.00 for the remaining special CDs

The bank also offers standard income certificates of deposit that have a minimum deposit of $5,000 to open and obtain annual percentage yield.  The CDs earn simple interest that is paid monthly or quarterly.  Bank CD terms: 6, 12, 18, 30 or 60 months; penalties may apply for early withdrawal.

6 month certificate of deposit has an interest rate of 1.70% APY
1 year certificate of deposit rate is 2.00% APY
18 month certificate of deposit earns an interest rate of 2.10% APY
30 month certificate of deposit yields a rate of 2.55% APY
5 year certificate of deposit rate is 2.90% APY

Bank rates are subject to change and additional conditions may apply.  Timely CD rate information can be obtained by contacting the bank at 610-933-1000.  The bank website located at www.phoenixfed.com maintains up to date information on bank rates, CD rates, savings rates, money market account rates and more.

Province Bank CD Rates

Making banking easier and more convenient is the goal of Province Bank in Marietta, Pennsylvania.  Province Bank believes in providing bank products and services that are designed to be easy-to-understand and even easier to use.  The bank was established on September 12, 2000 and has been FDIC insured since that time.  The bank has three bank branches in Marietta, Columbia and Lancaster.  Province Bank FSB is chartered as a Savings Association.  Therefore the primary regulator is the Office of Thrift Supervision (OTS).

At the end of September 2008, the bank had grown to having total assets of $97,396,000.  Through that time period in 2008, the bank had net income of $234,000.  Also, at the end of September 2008, the bank had non current loans that were only 0.14% of total loans and leases.  The banks tier 1 risk based capital ratio was 33.23% and total risk-based capital ratio was 34.29%.  These ratios put the bank in a new category we will call extremely well capitalized.

Province Bank offers a variety of options to help their customers steer their financial course.  The bank provides products and services that range from no-hassle checking to multiple savings plans, money market accounts and CDs.  The checking account options provided by the bank range from those that may be used for people who prefer to keep a low balance in checking and let their money work harder elsewhere and checking accounts specially designed for those who need to maintain more check writing funds.

With the banks statement savings account, $10 is all that is needed to get the account started.  The tiered interest rate program pays a higher interest rate the more that is saved in the account.  The money market account combines the convenience of checking with the return of an investment account.  Limited check writing on the money market account lets account holders access funds from your investment when you need them.

The bank certificates of deposit have a wide variety of terms with competitive rates on CDs from 90 days to 5 years.  For certain CD terms, interest can be deposited directly into a checking account.  Bank CD rates and terms include the following:

3 month certificate of deposit has an interest rate of 1.25% APY
6 month certificate of deposit earns an interest rate of 1.50% APY
1 year certificate of deposit rate is 1.95% APY
18 month certificate of deposit yields a rate of 2.25% APY
2 year certificate of deposit rate is 3.00% APY
3 year certificate of deposit has an interest rate of 3.50% APY
4 year certificate of deposit earns a rate of 3.55% APY
5 year certificate of deposit has an interest rate of 3.75% APY

There is a $500.00 minimum deposit requirement on the bank CDs.  CD interest compounded semi-annually.  CD rates and annual percentage yields are subject to change daily.  Additional account requirements may exist.  Contact a bank representative to obtain the latest CD rates and CD account details at 866-221-7529.  The bank maintains deposit rates including the CD rates on their website at www.provincebank.com.

The Fort Jennings State Bank CD Rates

The Fort Jennings State Bank is an independent community bank located in Fort Jennings, Ohio.  The bank was established on January 1, 1918 and has been FDIC insured since January 1, 1934.  The Fort Jennings State Bank is chartered as a Federal Reserve Non-member; the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has five bank branches in the area.  By September of 2008 the bank had accumulated total assets of $116,644,946.  Through the first three quarters of 2008 the bank had net income of $776,000 net income.

The bank has a great deal of products and service to offer consumers in their service area.  Bank products and services include;  IRA’s, CD’s, X-MAS Club, personal and business savings accounts, personal and business checking, personal NOW and money market checking accounts.  The bank also provides competitive rates for home mortgages, commercial loans, installment loans, student loans, both new and used car loans, and credit cards.

Select CD rates and terms being promoted by the bank:

1 month certificate of deposit interest rate is 1.00% APY
3 month certificate of deposit has an interest rate of 1.26% APY
6 month certificate of deposit yields a rate of 1.76% APY
One year certificate of deposit interest rate is 2.78% APY
15 month certificate of deposit has an interest rate of 2.53% APY
18 month certificate of deposit also has an interest rate of 2.53% APY
Two year certificate of deposit interest rate is 3.04% APY
30 month certificate of deposit yields a rate of 3.30% APY
Four year certificate of deposit interest rate is 2.78% APY
Five year certificate of deposit also has an interest rate of 2.78% APY

Bank CD rates subject to change at the banks discretion and additional conditions may apply to open these accounts.  For more details and timely bank rate data call The Fort Jennings State Bank at 419-86-2527.  Bank CD rates and a selection of other bank rates are maintained on the bank website which is located at www.fjsb.com.

CD Interest Rates and a Capital Ratio of Over 40%

The Ottoville Bank Company has been serving the tri-county area surrounding Ottoville, Ohio since 1904.  The Ottoville Bank is a full service, community bank dedicated to helping their customers meet their financial needs or goals.  The bank has been FDIC insured since January 1, 1934 and the bank became a member of the Federal Reserve System in 1950.  The Ottoville Bank Company is chartered as a Federal Reserve Member therefore the primary regulator is the Federal Reserve Board (FRB).  As of September 2008, the bank had assets of $56,178,000.  The bank has a tier 1 risk-based capital ratio of 39.12% and total risk-based capital ratio of 40.37%.  Which means, the bank is beyond well capitalized.  Someone in our office will have to make a note to see if there are any other banks in the region that have ratios that impressive.

The bank offers a variety of checking accounts to meet a wide array of personal needs.  The bank also has different accounts available for businesses, clubs, estates, and charitable organizations.  The Ottoville Bank Company has several savings plans available to meet consumer demand.  For higher interest earning accounts, they offer many short term and long term certificates of deposit.

The Ottoville Bank Company offers a complete line of loan products at competitive interest rates and terms.  The bank provides Individual Retirement Accounts which allows annual contributions per compensated individual as well as the Roth IRAs which is a  nondeductible account that features tax free withdrawals for certain distribution reasons after a five year holding period.  The bank can also support Education Savings Account (CESA) and Simplified Employee Pension Plan (SEP).

A sampling of recent CD rates and terms offered by The Ottoville Bank:

32-90 day certificate of deposit interest rate is .75% APY
181 day certificate of deposit has an interest rate of .75% APY
9 month certificate of deposit earns an interest rate of 1.00% APY
11 month certificate of deposit yields an interest rate of 2.25% APY
One year certificate of deposit yields rate is 1.25% APY
15 month certificate of deposit also has an interest rate of 1.25% APY
18-24 month certificate of deposit interest rate is 1.25% APY
25 month certificate of deposit yields an interest rate of 2.75% APY
Three year certificate of deposit has an interest rate of 1.75% APY
Four year certificate of deposit yields a rate of 2.50% APY
Five year certificate of deposit rate is 3.00% APY

The banks CDs have a minimum investment of $1000.00.  Bank CD rates are subject to change prior to opening the account and additional account conditions may apply.  For fresh CD rates and detailed information, the bank can be reached at 419-453-3313.  CD rates and account information can also be located on the bank website, the web address is
www.ottovillebank.com.

Bank Rates with First National Bank of Clarksdale

First National Bank of Clarksdale was established to serve the financial needs of the community, its businesses and its citizens.  The bank was established on April 1, 1964 and has been FDIC insured since that time.  First National Bank of Clarksdale is chartered as a National Bank; therefore the primary regulator is the Office of the Comptroller of the Currency (OCC).  The bank has four bank branches serving the community.  The bank had assets at the end of September 2008 of $306,327,000.  For the first nine months of 2008, the bank had net income of $2,825,000.

The First National Bank of Clarksdale offers a variety of financial products and service to assist you in planning your financial needs.  Some of the products include standard checking accounts, interest earning checking accounts, money market accounts, Now accounts, commercial checking, savings accounts and certificates of deposit.

First National Bank of Clarksdale offers a variety of certificates of deposit accounts where there consumer can choose the length of time to keep their money locked in at a guaranteed rate of return.  Current CD rates and terms include,

30-59 days certificate of deposit rate is 1.00% APY
60-89 days certificate of deposit has a rate of 1.25% APY
90-179 days certificate of deposit earns a rate of 1.50% APY
180-269 days certificate of deposit yields a rate of 2.01% APY
270-364 days certificate of deposit also has a rate of 2.01% APY
365-539 days certificate of deposit rate is 2.30% APY
18-23 months certificate of deposit earns an interest rate of 2.35% APY
24-29 months certificate of deposit has a rate of 2.50% APY
30-35 months certificate of deposit interest rate is 2.60% APY
36-41 months certificate of deposit rate is 2.75% APY
42-47 months certificate of deposit yields a rate of 3.00% APY
48-59 months certificate of deposit rate has an interest rate of 3.10% APY
60 months certificate of deposit rate is 3.250% APY

Bank CD rates are subject to change prior to account opening.  Additional account conditions may exist.  For the latest bank rates and account details, a First National Bank of Clarksdale representative can be reached at 662-627-3261.  The bank website contains information on an assortment of the banks savings products and posts checking rates, savings rates, money market rates, CD rate and more.  The bank website is located at www.fnbclarksdale.com.

Alliance Bank Central Texas CDs

Alliance Bank Central Texas was established on March 16, 1939.   The bank has been FDIC insured since that time.  Alliance Bank Central Texasis chartered as a Federal Reserve Non-member.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has three bank branches, in Waco, Jewett and Donie Texas.

As of September 2008 Alliance Bank Central Texas had assets of $92,483,000.  The bank had net loss during the first nine months of 2008 of -$101,000.  As of September 2008 the bank had a tier 1 risk-based capital ratio of 9.01% and a total risk-based capital ratio of 9.82%.

Alliance Bank Central Texas offers a full line of banking products and services with emphasis in commercial banking for small and medium sized businesses.

The banks savings, CDs and money market accounts, are established to help consumers establish savings plan that will help them reach their personal financial goals.  Putting money aside for the future is one of the most important parts of any sound financial plan.  By using one of the banks CDs, investors put money into an account for a specified amount of time and, at the date of maturity, they receive the deposit plus all accrued interest.

With a minimum deposit of $1,000.00, the bank has several different CD rates and terms to choose from.

The bank is running two special CD rates, a 7 month certificate of deposit which earns an interest rate of 2.51% APY and a 13 month certificate of deposit with an interest rate if 2.68% APY.

Standard CD rates being promoted include:

30 day certificate of deposit rate is 1.11% APY
90 day certificate of deposit interest rate is 1.41% APY
180 day certificate of deposit has a rate of 1.75% APY
1 year certificate of deposit earns an interest rate of 2.22% APY
2 year certificate of deposit rate is 2.37% APY
3 year certificate of deposit has a rate of 2.57% APY
4 year certificate of deposit earns an interest rate of 2.83% APY
5 year certificate of deposit yields a rate of 3.14% APY

Bank certificate of deposit rates are subject to change and additional conditions may apply to open these bank accounts.  For current bank rate information and account details a bank representative can be contacted at 254-741-8000.  Additional bank rates and bank products information can be found on the bank website located at abctsecure.com.

Industry State Bank, Texas CD Rates

The Industry State Bank serves individuals and businesses in Austin, Colorado, Fayette, and Washington counties.  The bank was founded in 1911.  Industry State Bank has been FDIC insured since January 1, 1934.  The banks main office is located in Industry, Texas and a branch office serves New Ulm, Texas.  Industry State Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  As of September 2008 the bank had total assets of $234,444,000.  At that time the bank had noncurrent loans as a percent of total loans and leases of only 0.10%.  During the first nine months of 2008 the bank had net income of $2,328,000.

Industry State Bank is owned by Industry Bancshares, Inc.  Industry Bancshares, Inc. is a holding company formed by local shareholders in the Industry, Texas community.  The holding company was formed in 1993 and owns the Industry State Bank as well as the Citizens State Bank in Buffalo, Texas and Fayetteville Bank in Fayetteville, Texas.

The bank offers a number of products to make banking easier and more convenient.  The Industry State Bank has banking by phone, ATM’s at each location, convenient hours, internet banking and VISA® check cards.  The bank places an emphasis on local relationship banking and a conservative approach to lending.  It provides a range of commercial and consumer banking services, including demand, savings and time deposits; commercial, real estate and consumer loans; merchant credit card services; letters of credit; and cash and asset management services

The banks certificates of deposit have a minimum amount to open of $500.00.  The bank has jumbo certificate of deposit available.  Certificates of deposit have varying terms from 1 month to 5 years.  The CDs accrue simple interest on certificates less than 12 months in term.  There is an early withdrawal interest penalty of 3 months on certificates 12 months or less.  Early withdrawal interest penalty of 6 months on certificates greater than 12 months.  Compounded daily interest on certificates 12 months and over.   CDs will automatically renew with 10 days grace period.  CDs are designed for individual or business.

Industry State Bank is currently offering the following CD rates and terms:

1 month certificate of deposit rate is 1.10% APY
3 month certificate of deposit has an interest rate of 1.91% APY
6 month certificate of deposit earns an interest rate of 2.52% APY
1 year certificate of deposit rate is 2.84% APY
18 month certificate of deposit has an interest rate of 2.89% APY
2 year certificate of deposit yields a rate of 2.94% APY
3 year certificate of deposit rate is 3.15% APY
4 year certificate of deposit earns an interest rate of 3.25% APY
5 year certificate of deposit rate is 3.30% APY

Bank CD rates are subject to change without notice.  Additional conditions may apply to open these CD accounts.  Up to date bank rates, CD rates and account information can be obtained by calling a bank representative at 979-357-4437.  Additional bank information and bank CD rates are posted on the bank website which is located at www.isbtx.com.

Certificates of Deposit at Solon State Bank Iowa

Solon State Bank is a full service commercial bank.  The bank was opened in Iowa in 1932.  The bank has three branches in Iowa, in Solon, Tiffin and Ely.  Solon State Bank has been FDIC insured since January 1, 1934.  The bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has assets of almost $80,000,000.  Through the first nine months of 2008, the bank had net income of $1,474,000.

Solon State Bank offers a large selection of bank service and products including checking and savings accounts, competitive rates on time certificates, IRA accounts and other investments.  Loans are available for all purposes, including home, farm, personal, auto and business.  The bank also offers safe deposit boxes, a trust department and ATM/Debit cards, which can be used in the bank’s own ATM’s or throughout the U.S.  With online banking, it is possible to bank with the Solon State Bank from anywhere in the world.
 
Solon State Bank provides the following certificate of deposit products and interest rate, requiring a minimum deposit of $2,500.00:
 
An eight month certificate of deposit rate is 1.95% APY.  
A nine month certificate of deposit has an interest rate of 2.00% APY.
A one year certificate of deposit earns a rate of 2.45% APY.
A twenty-seven month certificate of deposit rate is 2.80% APY.
A thirty eight month certificate of deposit yields a rate of 3.20% APY.
A four year certificate of deposit has an interest rate of 3.35% APY.
And a five year certificate of deposit rate is 3.50% APY.
 
With a minimum deposit of $1,000.00 Solon State Bank is also providing the following certificate of deposit rates and terms:
 
A fourteen month certificate of deposit earns a rate of 2.45% APY.
A fifteen month certificate of deposit has an interest rate of 2.45% APY.
An eighteen month certificate of deposit earns a rate of 2.70% APY.
A two year month certificate of deposit rate is 2.80% APY.
A thirty month certificate of deposit rate is 3.05% APY.
And a three year certificate of deposit rate is 3.20% APY.
 
Bank certificate of deposit interest rates are subject to change at the banks discretion prior to opening an account.  Additional conditions may apply to the certificate of deposit accounts.  For current CD rates and account information contact the bank directly at (319) 624-3405.  CD rates, account information and other disclosures can be found at the bank website, www.solonstatebank.com.

Primebank CD Rates Iowa

Primebank is located in northwest Iowa and has been a vital player in the growth and development of the communities it serves.  Primebank provides three convenient offices, Internet account access, and a network of ATMs.  The main bank office is in Le Mars, and bank branch offices are in Sioux Center and Sioux City.

The bank was established on January 1, 1901.  The bank has been FDIC insured since January 1, 1934.  Primebank is chartered as a Federal Reserve Member.  Therefore the primary regulator is the Federal Reserve Board (FRB).  The banks total assets at the end of third quarter in 2008 were $344,244,000.  Through the first nine months of 2008, the bank had net income of $4,039,000.

Primebank offers a wide selection of FDIC-insured savings solutions to help achieve your short and long-term goals.  The bank has several tiered interest rate savings and money market accounts as well as competitively-priced certificates of deposit with terms three to 60 months.

With a minimum opening balance of $1,000.00 Primebank offers the following CD products:

A three month certificate of deposit rate is 1.65% APY.
A six month certificate of deposit has a rate of 1.95% APY.
A twelve month certificate of deposit earns an interest rate of 2.35% APY.
An eighteen month certificate of deposit rate is 2.45% APY.
A twenty-four month certificate of deposit yields a rate of 2.75% APY.
A thirty month certificate of deposit has an interest rate of 2.95% APY.
A thirty-six month certificate of deposit earns an interest rate of 3.05% APY.
A forty-eight month certificate of deposit has a rate of 3.30% APY.
And a sixty month step up certificate of deposit rate is 3.30% APY.

Primebank is also currently offering a few CD specials.  An eleven month CD special has an interest rate of 2.60% APY.  And a twenty-one month CD special earns an interest rate of 2.90% APY.
 
Certificate of deposit interest rates are subject to change.  Additional conditions may apply.  For current certificate of deposit rates and account information contact the bank directly at (712) 546-4175.  Certificate of deposit rates, account information and other disclosures can be found at the bank website, www.primebank.com.

Bank CDs Exchange State Bank and Insurance Iowa

Exchange State Bank & Insurance is a locally-owned community bank with branches in Adair and Winterset, Iowa.  The bank was established on January 1, 1879.  Exchange State Bank has been FDIC insured since 1963.  Exchange State Bank is chartered as a Federal Reserve Non-member.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  As of September 2008, the bank had assets of approximately $61,632,000.  The bank had net income for the first nine months of 2008 of $430,000.  At the end of September 2008 non current loan as a percent of total loans and leases stood at 2.30%, this is an increased form 1.65% in the third quarter of 2007.

With a minimum opening balance of $500.00 Exchange State Bank offers the following CD products:

A three month CD rate is 1.00% APY.
A six month CD rate is 2.17% APY.
A twelve month CD rate is 2.27% APY.

With a minimum opening balance of $250.00 Exchange State Bank also offers the following CD products:

An eighteen month CD rate is 2.47% APY.
A twenty-four month CD rate is 2.68% APY.
A thirty month CD rate is 2.68% APY.
A thirty-six month CD rate is 3.03% APY.
A forty-eight month CD rate is 3.29% APY.
And a sixty month CD rate is 3.70% APY.
 
CD interest compounded and paid quarterly.  CD early withdrawal penalties are 90 day early withdrawal penalty on a CD less than one year and 6 month early withdrawal penalty on all other CD terms. 

Bank CD interest rates are subject to change.  Additional bank account conditions may apply.  For up to date bank CD rates and account information contact the bank directly at the toll free number in Adair, 800-448-8966 or toll free in Winterset at 877-462-5090.  Bank CD rates, account information and other disclosures can be found at the bank website, www.esbanks.com.

American State Bank CDs in Iowa

American State Bank was established on September 1, 1913.  The bank has been FDIC insured since 1934.  American State Bank is chartered as a Federal Reserve Non-member; the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has assets of approximately $440,000,000.  Through the first nine months of 2008, the bank had net income of $5,700,000. American State Bank has five branch locations.  A branch in Sioux, Hospers, Granville, Alvord and Hull Iowa. 
 
American State Bank has a plethora of lending and deposit products.  The bank has multiple versatile checking accounts accessible to its customers.  American State Bank offers savings options that include a statement savings account, money market savings accounts, an All American College Plan and certificates of deposit.  Within the CD account options, the CDs provide a wide range of options with maximum earnings for customers who are looking for a short, medium or longer-term investment.

With a minimum opening balance of $100.00 American State Bank is offering a three month CD that earns an interest rate of 1.75% APY and an eighteen month CD that has an interest rate of 2.55% APY.

With a minimum opening balance of $1,000.00 American State bank is currently providing the following CD rates:

A ninety-one day CD rate is 1.80% APY.
A six month CD rate is 2.10% APY.
A twelve month CD rate is2.60% APY.
An eighteen month CD rate is 2.70% APY.
A thirty month CD rate is 3.60% APY.
And a forty-eight month CD rate is 3.65% APY.
 
With a larger minimum opening balance of $10,000.00 American State Bank offers:
A one-hundred-eighty-two day CD with a rate of 2.20% APY.
And a twelve month CD rate of 2.70% APY.

With a minimum opening balance $25,000.00, American State Bank is currently promoting the following CD rates as well:
A ninety-one day CD rate is 2.00% APY.
A one hundred-eighty-two day CD rate is 2.25% APY.
 
American State Bank is also offering a special mid term CD.  With a minimum opening balance of $1,000.00, the bank is offering an eleven month CD special with an interest rate of 2.90% APY. 
 
Further CD offerings include 3 different step up CDs.  A two year step up CD that has a $1,000.00 minimum deposit requirement and has an interest rate of 3.15%.  Another two year step up CD that has minimum deposit requirement of $10,000.00 and yields an interest rate of 3.30% APY.  And a three year step up CD with a $1,000.00 minimum deposit that has a rate of 3.60% APY.
 
Bank interest rates are subject to change.  Additional bank account conditions may apply. For up to date CD rates and account details contact the bank directly at 260-925-2500.  Bank CD rates, account information and other disclosures can be found at the bank website, www.ambankiowa.com.

CD Rates at BankIowa

BankIowa opened in 1921 as Farmers State Savings Bank in Iowa.  In June of 1998, Farmers State Savings Bank changed its name to BankIowa.  The bank presently has ten branches in seven Iowa communities.  The branches are located in Cedar Falls, Cedar Rapids, Independence, Jesup, Lamont, Norway and Waterloo Iowa. 

BankIowa is an independent and locally owned financial institution.  The bank has been FDIC insured since December 11, 1953.  The bank is chartered as a Federal Reserve Non-member bank and the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has total assets of approximately $410,000,000.  Net income for through Sept. 2008 was $3,057,000.  During this period of bank failures and poor lending decisions by banks, BankIowa had only 0.26% of its total loans and leases classified as non current at the end of Sept. 2008.
 
The bank presents an assortment of savings options.  Standard personal savings that allows the account holder earns interest with low minimum balance requirements.  A money market account that earns interest on tiered balances.  Certificates of deposit that can enhance an investment portfolio with competitive rates and multiple terms. 

BankIowa CDs provide flexible terms that can be used to match short or long term financial goals.  The certificates of deposit earns a guaranteed, fixed rate of interest,
allows the account holder to choose from terms ranging from 3 to 59 months, has
flexible interest payment methods with compounding within the acoount, an interest check or direct deposit and the security of FDIC insurance coverage.

With a minimum balance of $500.00 BankIowa is currently providing the following CD products:

A three to five month CD rate is 0.97% APY.
A six to eleven month CD earns an interest rate of 1.25% APY.
A twelve to twenty-three month CD has a rate of 1.61% APY.
A twenty-four to thirty-five month CD yields a rate of 1.82% APY.
A thirty-six to forty-seven CD rate is 1.82% APY.
A forty-eight to fifty-nine month CD earns a rate of 2.07% APY.
A sixty plus month CD has an interest rate of 2.42% APY.
 
BankIowa is also running some current CD specials.  A special twelve month CD rate is 2.90% APY.  A special twenty-four month CD rate is 3.25% APY. And a special forty-eight month CD rate is 3.75% APY. 

The bank also offers a specilal certificate of deposit called a One-Way UP Certificate of Deposit.  This certificate gives you the added advantage of a flexible rate.  Certificate owners have a one time option of increasing the rate of interest.  At the time of rate change, owners have the option to add $500 or more to the certificate.  Adding money will not extend the maturity date.  The new CD rate will be the effective rate until the initial term expires.  The 36 Month One Way Up CD interest rate is now at 3.50% APY.
 
Bank interest rates are subject to change.  Additional bank account conditions may apply. For current CD rates and account information contact the bank directly at 1-800-433-0285.  CD rates, savings rates, other bank rates and account information can be found at the bank website, www.bankiowa.com.

CD Rates at American State Bank of Grygla, MN

American State Bank of Grygla is an independent bank working with the needs of the community in mind and making all decisions locally. The bank was established on April 30, 1976 has been FDIC insured since that time. American State Bank of Grygla is chartered as a Federal Reserve Member and therefore the primary regulator is the Federal Reserve Board.

At the end of September of 2008 the bank had assets of $20,995,000. Net income for the first nine months was $334,000.

American State Bank offers a variety of checking and savings accounts to meet its customer’s different needs. The bank has a large array of standard bank products and services that include; regular checking, high yield savings, Now checking, IRA’s, student checking, money market savings, money market checking, certificate of deposit, senior checking and passbook savings.

The bank CD’s provide a fixed interest rate with a variety of terms and conditions to meet the needs of different investors with varying goals.

3 month certificate of deposit has an interest rate of 1.61% APY
6 month certificate of deposit earns a rate of 1.86% APY
1 year certificate of deposit rate is 2.22% APY
2 year certificate of deposit yields an interest rate of 2.37% APY
3 year certificate of deposit earns an interest rate of 2.63% APY
4 year certificate of deposit has an interest rate of 2.78% APY

There is an early withdrawal penalty on CD’s 1 year and less of 3 months of interest. Early withdrawal penalty on CD’s greater than 1 year is 6 months of interest. For up to date bank rates including CD rates or additional account information you can reach the bank call at 218-294-6111 or 1-877-814-9937. Bank CD interest rates are posted in American State Bank of Grygla lobby and on this website at www.asbgrygla.com.

Bank Rates at Nodaway Valley Bank Missouri

For 140 years Nodaway Valley Bank has provided continuous service to Northwest Missouri.  Nodaway Valley Bank was founded in Maryville, Missouri, in 1868.  Nodaway Valley Bank is the largest independently owned and operated bank in Northwest Missouri.  The bank has nine bank branches serving this region.  The Nodaway Valley Bank has been FDIC insured since January 1, 1934.  The bank is chartered as a Federal Reserve Non-member bank and the primary regulator of the bank is the Federal Deposit Insurance Corporation (FDIC).

In 2003, the bank merged in The Heritage Bank of St. Joseph, adding four full-service facilities in St. Joseph, and creating the largest privately-owned bank in Northwest Missouri, with assets in excess of $500 million.  In 2007, Nodaway Valley Bank acquired the Exchange Bank of Mound City and now serves Northwest Missouri with nine locations and 19 ATM’s.

As of the end of September 2008, the bank had assets of $629,165,000.  During that same time, the bank’s non current loans as a percent of total loans and leases was a stunningly low 0.06%.  Through the first nine months of 2008 the bank had net income $7,835,000. 

Nodaway Valley Bank offers a variety of consumer and business deposit and loan products.  The bank has several personal checking accounts from which consumer can choose to obtain the account plan that best fits their needs and budget.  The bank has traditional savings accounts to increase interest earning opportunities.  To further expand the products available for maximum interest earning opportunities the bank has promotional CDs that pay premium rates on maturities of 7 to 55 months.

Nodaway Valley Bank also makes loans to individuals, professionals, proprietors, partnerships, farmers and businesses of all sizes.  Whether the customer needs money for a major purchase, home improvement, college expense or other personal need, the bank has loan options.  Nodaway Valley Bank originates residential real estate loans for construction, purchase or re-finance, secured by a first lien on the property.  The bank offers competitive interest rates and terms on loans to finance the purchase of new/used cars and trucks, as well as recreational equipment.  Specifically for business customers, the bank provides lines of credit for working capital, as well as term loans for equipment and real estate purchases

Promotional CDs currently being promoted by the bank include:

7 month certificate of deposit has an interest rate of 2.26% APY
13 month certificate of deposit earns an interest rate of 2.55% APY
25 month certificate of deposit yields an interest rate of 2.75% APY
37 month certificate of deposit rate is 3.10% APY
55 month certificate of deposit has an interest rate of 3.30% APY

Bank rates and CD rates are reviewed weekly and subject to change anytime at the bank’s discretion prior to opening the accounts.  For current bank interest rates and account details a bank representative can be reached at 877-217-4682.  CD rates, money market rates and savings rates are posted on the bank website along with bank information as well as account particulars; the bank web address is www.nodawayvalleybank.com.

Progressive Ozark Bank Missouri CD Rates

Progressive Ozark Bank began as a storefront mutual Savings and Loan Association in 1965.  The bank now has four locations including the main office in Salem, Missouri.  The bank has been FDIC insured since 1965.  Progressive Ozark Bank, Federal Savings Bank is chartered as a Savings Association.  The primary regulator is the Office of Thrift Supervision (OTS).

The bank had assets of $111,589,000 at the end of September, 2008.  At that time, the bank had non current loans that stood at a mere 0.16% of total loans and leases.  During the first nine months of 2008 the bank had net income of $1,150,000.

Progressive Ozark Bank offers a wide array of banking products and services.  The bank has five different checking accounts, a totally free checking account and four other checking accounts that pay interest.  For saving products the bank has a standard savings account, money market accounts, certificates of deposit and more.   Progressive Ozark Bank has competitive interest rates for all types of loans.  Along with the traditional product delivery options, the organization now offers electronic delivery through ATM’s, debit cards, the internet, and telephone transactions.

The bank certificates of deposit include the following rates and terms:

3 month certificate of deposit interest rate is 1.41% APY
6 month certificate of deposit also earns and interest rate of 1.66% APY
1 Year certificate of deposit has an interest rate is 2.03% APY
18 month certificate of deposit yields a rate of 2.17% APY
2 year certificate of deposit rate is 2.44% APY
3 year certificate of deposit has an interest rate is 3.15% APY
5 year certificate of deposit rate is 2.66% APY

The bank also offers the following relationship CD specials:

11 month certificate of deposit rate is 2.52% APY
30 month certificate of deposit has an interest rate is 3.23% APY
50 month certificate of deposit rate is 3.74% APY

All CD rates listed are subject to change without notice, check with a local banking center for the latest bank rates by calling 800-508-3577.  Additional CD rates and other account information can be found on the bank website which is located at www.progressiveozarkbank.com.

Missouri CD Rates with First State Community Bank