Rates Current as of Thursday February 09, 2012

A service which specializes in working with consumers who are overextended with debts and need to make arrangements with creditors.

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Bank certificate of deposit rates for the week ending November 13, 2009 were lower for all maturities with the exception of the five year term bank CD. The greatest CD rate reductions were on the mid term, two year bank CDs with the short term rates experiencing only a mild decrease in the average interest

Embezzlement

In most States, embezzlement is defined as theft or larceny of assets, either money or property, by a person in a position of trust or responsibility over those assets. Embezzlement typically occurs in the employment and corporate settings where property is placed in one’s care.

Demand Deposit

A deposit that can be withdrawn at any time without advance notice. The most common type is the checking account. Bank demand deposit drafts or checks are considered negotiable instruments as defined by the Uniform Commercial Code.

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Bank rates in Washington are our focus while the nation has its eye on the newest resident in the District of Columbia. Washington DC is home to a quite a selection of banks offering above average CD rates. Most of these banks are small, local banks that are growing and prospering. Bank of Georgetown is a

Frozen Account

An account on which funds may not be withdrawn until a lien is satisfied and a court order or other legal process makes the account available for withdrawal as an example, the account of a deceased person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

New TARP Disbursements Announced January 5, 2008.

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Portfolio Turnover

A measure of the trading activity in a fund’s investment portfolio, how often securities are bought and sold by a fund.

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

CD Rates in Texas and California with Beal Bank

The financial services marketplace has changed profoundly in recent months. Financial education can help consumers become more confident about the future by offering them the knowledge to make sound money management decisions. The work of selectcdrates.com is to help educate consumers by finding the best banking products and services that will make their financial life

Bank Rates October 18th, 2010

Bank savings rates and lending rates moved in diverse directions for the week ending October 15th, 2010. Mortgage rates rose at the close of the week. CD rates were predominantly lower. Bank savings account rates and money market rates were unchanged. Credit card rates reversed last week’s rise and ended lower.

2008 Bank Failure Update

Three more banks failed Friday, November 21, 2008. The Office of Thrift Supervision closed two California thrifts, Downey Savings & Loan and PFF Bank & Trust. The state regulators in Georgia closed Community Bank of Loganville. The Federal Deposit Insurance Corp. took all three companies into receivership. U.S. Bancorp bought all the deposits and some of

Disclosures

Certain information that Federal and State laws require creditors to give to borrowers relative to the terms of the credit extended.

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Continuing the search for the best CD rates in Maryland to coincide with honoring the Baltimore Ravens after their win this weekend, we review the products of Bradford Bank. Bradford Bank has a full range of banking products and services to assist its customers in Maryland. The bank began operation in Maryland back in 1903.

Cashiers Checks, Certified Funds and Money Orders

There may be some occasions when a consumer may need more than just a personal check. In most cases, this will arise from the need to deliver a payment process with a guarantee. A common payment method needed with guaranteed funds would be the down payment for a home. Cashier’s Check What makes

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A bank that has the distinction of being the “Oldest Bank in Maine” happens to offer the best three CD rate in Maine. Having been established in 1827, Saco & Biddeford Savings pronounces that they are the oldest bank in Maine. The top CD rate being offered by Saco & Biddeford Savings has an interest

My bank just started to charge me for making more than three transactions with a teller in the course of a month. What can I do to avoid this fee?

Some banks would prefer that you bank online or use an ATM for deposits and withdrawals. So, use the teller whenever you must, but learn to transfer funds online and make deposits using the ATM. The bank is able to greatly reduce costs by having their customers use automated services but often these

Online Banking Saves Costs and the Environment

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CD Interest Rates Mildly Lower January 30, 2012

In the most recent survey of bank CD rates conducted by Selectcdrates.com, CD rates slumped slightly compounding last week’s similar dip. The average yield on the Selectcdrates.com CD rate index moved down to 1.081 percent from an average rate of 1.087 percent found in the previous rate survey. The Selectcdrates.com index covers the top ten [...]

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CD rates remained relatively stable in the most recent survey of the top national CD rates. The average CD rate, as measured by the rates on the best three month, six month, one year, two year and five year CD rates, was unchanged from the previous week. The Selectcdrates.com weekly CD rate survey showed the [...]

CD Interest Rates Display Little Change January 16, 2012

The best CD interest rates available were little changed over the past week. Based on the most recent survey of bank CD rates performed by Selectcdrates.com, the average CD rate gave up less than one basis point or 1/100th of a percent week over week. The average CD rate on the highest three month CDs, [...]

Banking & CD FAQs

How does a money market fund try and maintain a stable $1.00 net asset value and still pay a good rate of return?

Money market funds are strictly regulated by the U.S. Securities and Exchange Commission (SEC) pursuant to Rule 2a-7 under the Investment Company Act of 1940. Rule 2a-7 was established to establish numerous conditions intended to stabilize a fund’s $1.00 NAV. These conditions limit risk in a money market fund’s portfolio by governing the credit

Is a beneficiary on a bank account legally responsible if the account is overdrawn?

If the account has a standard POD or pay on death beneficiary assignment, the beneficiary has no liability for bounced checks. The designation of the beneficiary isn’t final until the death of the owner. A beneficiary has no ownership interest in the account until the owner dies. Therefore, the beneficiary isn’t responsible for

Where can I find the regulations that tell what my rights and responsibilities are regarding when a bank must terminate automatic payments and deductions from my checking account to companies when I tell them to do so?

Banking Regulation E requires the bank to tell you a summary of your rights and the procedures necessary to affect certain stop payment requests. You can find that requirement under §205.7(b)(7). If your dispute

How are Internet banks regulated?

The way an “Internet bank” is regulated depends in large part on the type of institution it is. Some Internet banks are Internet sites on which customers of “bricks-and-mortar” depository institutions can access transaction services. Other Internet banks operate only through the Internet (“Internet- only”). The Federal Deposit Insurance Corporation (FDIC) monitors

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