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Posted in February 12th, 2009

CD Rate Updates

CD Rates Entering Final Days of April Off Just Slightly

Bank rates moved lower for both borrowers and savers for the week ending April 26, 2013 based on the most recent survey of bank rates conducted by SelectCDrates.com. CD interest rates were down slightly for the week with the majority of the losses in yield coming on the long term maturities. Based on the current [...]

CD Rates Start the Month of April Off Just Slightly

After ending the month of March on an up note, CD rates moved marginally lower to kick off the month of April. The average yield in the SelectCDrates.com CD rate index moved lower by 2/1000ths of a percent for the most recent bank CD rate survey conducted on April 5, 2013. The CD rate index [...]

CD Interest Rates March Higher April 1, 2013

CD interest rates made a modest move to upside for the last week of March. The SelectCDrates.com CD rate index ticked up by 6/1000ths of percent or .006 percent to end the month on March 28th, 2013. The index closed the week with an average rate of 1.010 percent which compares to the prior week’s [...]

Banking & CD FAQs

Why does a bank pay a check or debit transaction when the account is overdrawn?

National banks can either return the check unpaid or advance sufficient funds to your account to pay the check or debit item. In either case, your bank can assess an insufficient funds fee against your account.

What is the cut-off time for deposits?

National banks may establish different cut-off hours for different types of deposits, as well as for deposits made at different locations.

The bank is charging me a fee to make change at the teller line. Can it do that?

Yes. Federal law allows banks to charge non-interest charges and fees, including deposit account service charges. All fees should be determined on a competitive basis within the market. Each bank should make the decision on the type, amount, and method of calculation based on sound banking judgment and safe and sound banking

Who sets the interest rates on savings accounts?

A national bank is a private business. Generally, it sets its own interest rates on savings accounts. If you feel that your bank does not pay an adequate interest rate, shop around—and purchase your financial services accordingly.

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