Rates Current as of Thursday February 09, 2012

A group of mutual funds, each typically with its own investment objective, managed and distributed by the same company.

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NSF

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Figurative expression for the informal network of dealers and investors over which short-term debt securities are purchased and sold. Money market securities generally are highly liquid securities that mature in less than one year, typically in less than ninety days.

Account Activity

The summary of transactions in an account over a selected period of time. Transactions include; previous balance, payments, credits, finance charges and new balance.

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As the credit crisis continues, banks continue to either increase the rates being offered on certificates of deposit or maintaining the high CD rates already being marketed. During this time of financial upheaval these interest rates are making certificates of deposit a very competitive location to store money for customers looking for safety with a

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Trust Agreement

A formal agreement establishing a trust.

Controller of the Currency

An officer of the Treasury Department who is responsible for chartering national banks and has primary supervisory authority over them.

Bank Rates Virginia Commonwealth Bank

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Qualified Endorsement

Credit paid while a claim is pending, but which is not final. Provisional credit, for example, might be given if a consumer makes a claim of an error involving an electronic fund transfer, and the bank is unable to resolve the claim within ten business days.

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Inflation, Nominal Interest Rates and Real Rates

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South Coastal Bank is based in Rockland, Massachusetts and has bank branches in Rockland, Braintree, Scituate, and Quincy. The bank was established on March 30, 1868 under its original name of Rockland Savings Bank and has been FDIC insured since March 2, 1981. South Coastal Bank is chartered as a FDIC Savings Bank; therefore the

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Billing Cycle

The time interval between the dates on which regular periodic statements are issued.

CD Rate Updates

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 [...]

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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

I just took a new where there is a credit union for the employees and have been urged to join. What are the benefits for me?

Many Credit Unions don’t have the full range of services that a bank may have, but sometimes that’s a good thing. By having fewer products and lower costs, credit unions are able to charge lower rates for loans and pay higher rates on deposits. If you are thinking of buying a home or

I wrote a check that was returned because of insufficient funds in my account. But the bank never notified me, so other checks bounced and I got hit with several overdraft fees. Shouldn’t the bank have sent me a notice?

The bank is not required to notify you when a check bounces. You are responsible for keeping a current and accurate check/transaction register. By balancing it with your monthly statement, you will know your account balance and prevent overdrafts. State laws generally provide that it is illegal to write a check, knowingly or negligently,

Does FDIC insurance cover the contents of safe deposit boxes if they are damaged or stolen?

No. By law, the FDIC only insures deposits in deposit accounts at insured institutions. Although you may be putting valuables, including cash and checks, into an area of the bank that has the word deposit in its name, these are not deposits under the insurance laws that the bank can use, for example, to make

What is the discount method of calculating interest?

Under the discount method of interest calculations, the interest that will be due on an investment is calculated and withheld from the borrower when the loan or investment is made. For example, someone who borrows $1,000 for a year at a 10% interest rate would actually receive just $900 ($1,000 minus 10% of $1,000,

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