Rates Current as of Wednesday February 08, 2012

Stock

A share of ownership or equity in a corporation.

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Today’s Bank Rates October 11th, 2010

Bank savings rates and lending rates were mostly lower by the close of Friday. Mortgage rates tumbled as did Treasury rates. CD rates were hurt for the short term bank CDs and long term bank CDs while holding steady for midterm CDs and credit card rates simply marched to beat of their own

Banks and FDIC Insurance

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the federal government created by the Banking Act of 1933. The FDIC’s primary job is to provide deposit insurance, which guarantees the safety of checking and savings deposits in member banks. The FDIC makes sure that, if a bank is closed, all of the bank’s

Adjustable Rate Mortgages

Also known as variable-rate mortgages. Home mortgages that have an initial interest rate is usually below that of conventional fixed-rate loans. The interest rate may change over the life of the loan as market conditions change. There is typically a maximum or ceiling and a minimum or floor defined in the loan

Insanity in CD Rates

Bloomberg.com has a great article discussing some of the unusually high CD rate promotions that keep popping up. The article is titled, “AIG, GMAC Help Drive Up Bank Rates Amid ‘Insanity’ for Deposits”. The theme of the article is one that has struck a chord with us for last 2-3 months. Some banks continue to

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

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

Bank Account Scams on the Rise

Bank related Internet scams are on the rise. Most scam involve third parties attempting to fraudulently acquire information from Web users, such as credit card details, social security numbers, and account numbers. Protect your account numbers, PINs and online access. Do not respond to any bank inquiries that you are not 100% certain are from

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

Check 21

Check 21 is a new Federal law that changes the way banks process paper checks, substantially speeding a check’s clearance through the system. Check 21 is designed to enable banks to handle more checks electronically, which should make check processing faster and more efficient. Today, banks often must physically move original paper checks

Consumer Price Index – CPI

A measurement of the cost of living determined by the Bureau of Labor Statistics.

CD Rates and Buiding Relationships

Banks offer several different types of savings accounts from which a customer can choose. The bank certificate of deposit usually has the highest interest rate of all the bank products available. A certificate of deposit, or CD, is a financial instrument in which a bank customer deposits money the bank for a fixed period of

Foreclosure

A legal process in which property that is collateral or security for a loan may be sold to help repay the loan when the loan is in default.

Cash Management Bills

Very short maturity bills that the Treasury sells on an irregular basis to bridge low points in the Treasury’s cash balance.

Bank Promotions First Post

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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

Weymouth Bank, Massachusetts

Weymouth Bank is a state-chartered mutually owned institution chartered in 1889 under the laws of the Commonwealth of Massachusetts. Weymouth Bank serves customers throughout the South Shore of Massachusetts. The bank is a federally insured bank and is also insured by the Share Insurance Fund of the Co-operative Central Bank. Weymouth Bank has been FDIC

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Resuming the trend that has been prevalent throughout most of 2010, national CD interest rates were down, on average, for the week ending May 28, 2010. National average certificate of deposit rates at banks and credit unions marched lower this week on the short and long end of the CD yield curve. Bank

Account Holder

Any and all persons designated and authorized to transact business on behalf of an account. Each account holder’s signature needs to be on file with the bank. The signature authorizes that person to conduct business on behalf of the account.

Capital Gains Distribution

Profits distributed to shareholders resulting from the sale of securities held in the fund’s portfolio.

No Gambling in Las Vegas with Security Savings Bank CD Rates

Security Savings Bank is headquartered in Las Vegas, Nevada. The bank is a state chartered FDIC insured institution. Since the banks opening on April 3, 2000, Security Savings Bank has experienced measurable growth while maintaining a healthy financial position. Security Savings Bank has two bank branch locations serving the greater Las Vegas community. Security Savings Bank

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 [...]

CD Interest Rates Hold Steady January 23, 2012

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

What is the Annual Percentage Yield (APY)?

Annual percentage yield (APY) is the yield you earn on a deposit over the course of a year; it is a standardized way of comparing investments. The APY is important because it takes into account the assumed compounding of your interest. Compounding is simply a method of making earnings on your earnings.

I bounced a check that I had written this month for my car payment. How will this affect my credit?

Missing a monthly car payment, no matter whether you missed the payment or bounced the check, is always going to affect your credit negatively. It is possible that if you make good on the amount of the payment and any fees your auto loan lender charges you for a returned check within the 30

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 an overdraft in the account.

My son has a small savings account that was opened a few years ago. When I recently checked the balance it was close to zero. It appears the bank has been assessing fees on the balance bringing it to almost nothing. Can they do that on his account?

What role do boards play in overseeing money market funds?

A money market fund’s board of directors is primarily responsible for ensuring that the fund complies with the SEC’s conditions to limit risk in the fund’s portfolio. The board establishes written guidelines and procedures reasonably designed to stabilize the fund’s $1.00 NAV. The board also must exercise adequate oversight through periodic reviews of

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