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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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