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Wachovia Bank College Visa® Credit Card

Posted in January 12th, 2010
by admin in Credit Card Reviews

Wachovia Bank offers a variety of consumer retail banking services including credit card services.  The Wachovia Bank college credit card is one of the credit cards promoted by Wachovia Bank. 
With the Wachovia Bank College Visa® credit card, credit card account holders can shop online, buy books, pay regular monthly bills, and have access to credit [...]

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Fifth Third Bank Prime Platinum Credit Card Review

Posted in December 18th, 2009
by admin in Credit Card Reviews

The Fifth Third Bank Platinum Prime credit card is categorized as a premium, low rate credit card.  This card is designed for consumers with a good to excellent credit history.  This bank credit card would benefit individuals who wish to take advantage of the low interest rates currently promoted on the card.
The credit card comes [...]

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SunTrust Bank Credit Card Review Signature Visa Credit Card

Posted in November 30th, 2009
by admin in Credit Card Reviews

SunTrust Bank offers a number consumer deposit and credit products.  Included among the variety of consumer credit products are several credit card offers.  One of SunTrust Bank credit card offers is the Signature Visa Credit Card.  This bank credit card is marketed as premium rewards credit card.
With the Signature Visa Credit Card, the account holder [...]

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Bad Credit Options with Unsecured Credit Cards

Posted in November 26th, 2009
by admin in Credit Card News

Having poor credit doesn’t mean that a new credit card is out of reach.  Within the credit card industry, there are a variety of options available for consumers who have bad credit who need to obtain a new credit card.  Of course, there are numerous reasons to want a credit card even with less than [...]

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Credit Card Offers, Trustco Bank Maximum Rewards Visa Credit Card

Posted in November 24th, 2009
by admin in Credit Card Reviews

Trustco Bank which is headquartered in Glenville, NY and currently operates over 125 bank branch offices, the bank is also a large issuer of bank credit cards.  One such bank credit card offer is the Trustco Bank Maximum Rewards Visa Credit Card.
The Trustco Bank credit card is a truly a maximum credit card reward generator.  [...]

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Default Credit Card Rates

Posted in November 16th, 2009
by admin in Credit Card News

Most all the bank credit card companies will raise the interest rate when a consumer is late on their monthly credit card payments on other accounts not related to the issuing credit card company.  This increased credit card rate is known as universal default or the universal default rate. 
Defaulting on a credit card is not [...]

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Prepaid Credit Cards for those with Less Than Perfect Credit

Posted in November 10th, 2009
by admin in Credit Card News

Many credit card applicants that are denied a new credit card are denied primarily because of a poor credit history or poor credit score.  Unfortunately for these consumers, credit card services are becoming an indispensable tool and the lack of access to a credit card can be a significant inconvenience. 
Credit card services are often needed [...]

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CD Rate Updates

Certificate of Deposit Interest Rates March 8, 2010

According to this week’s survey of the top ten best certificate of deposit rates available nationally, performed by Selectcdrates.com, bank CD rates have now reached new lows for the year.  Bank CD interest rates were down for all terms or maturities again this week.  
The average rate for the top ten highest 6 month bank CD [...]

Bank Certificate of Deposit Rates February 22, 2010

It seems hard to believe that bank certificate of deposit rates could slide much lower, but the past week was in fact another down week for most all CD maturities.  The results of the selectcdrates.com weekly bank rate survey indicated that CD rates were lower across all terms with the exception of the long term, five year [...]

CD Interest Rates February 15, 2010

CD interest rates continued to slide further in 2010.  The average interest rate on bank CDs available nationally was down slightly on all maturities for the week ending February 12, 2010.  The rate activity among the best bank rates, however,was comparatively modest in light of the across the board drop in the average rates.
The selectcdrates.com [...]

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.
If a check I receive or money order turns out to be fake, isn’t that the bank’s problem, not mine?
You are responsible for the checks and money orders you deposit. That’s because you are in the best position to determine how risky the transaction is, you are the one dealing directly with the person who is arranging for the payment to be sent to you. When a check or money order bounces,
What is the difference between yield and total return?
Total return measures what an investor earns on an investment during a certain time period in the past. It includes interest, dividends and capital gain. Yield is measures the current income an investment is paying relative to the cost of the investment. A $100.00 CD or bond that pays interest of $10.00 every
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
National Averages
CD Rates, Bank Rates,
Fund Rates and Key Rates
6 Month CD Rates
1.29%

1 Year CD Rates
1.67%

2 Year CD Rates
2.10%

5 Year CD Rates
3.22%

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Money Market Act. Rates
1.33%

Savings Account Rates
1.47%

Money Market Fund Rates
3.11%

Tax Exempt Fund Rates
2.39%

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Bank & CD Tips

Compund Interest and Bank Services
Compound interest is most often valued on savings and investments that accrue interest frequently like bank savings accounts, bank CDS, money market accounts and deposits.  Since compound interest is such a powerful tool in personal finance it is extremely important that you maximize its value by seeking the bank or financial institution that pays the
Comparing Annual Percentage Yield on Bank CDs
Annual percentage yield is a great tool for comparing bank savings products and evaluating how much your deposit earns.  APY measures the rate of return annually and takes compounding into account.  For bank products like high yielding CDs, the APY measures the interest rate and how quickly that interest is paid.  Shorter compounding periods leads
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