Rates Current as of Friday March 12, 2010

Five Star Bank Locations

Posted in December 24th, 2009

by admin in Bank Directory

Five Star Bank has 50 bank branches in Western and Central New York. Five Star Bank also offers access to over 90 bank ATM locations.
Search through each branch bank location in New York to find Five Star Bank locations and bank products and services that include savings accounts, money market accounts, certificate of deposits, competitive [...]

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Wells Fargo Secured Credit Card

Posted in December 2nd, 2009

by admin in Credit Card Reviews

The Wells Fargo secured credit card is one of the many credit cards offered by Wells Fargo Bank, one of the top five largest banks in the U.S. This credit card works like any other credit card, and can be used wherever bank credit cards are accepted or more specifically, wherever Visa credit card are [...]

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Capital City Bank

Posted in November 24th, 2009

by admin in Bank Directory

Capital City Bank branch locations in Florida, Georgia and Alabama. Bank directory lists Capital City Bank offices alphabetically by city and state. Find bank branches for all Capital City Bank locations with the complete bank address and description.
Capital City Bank has over 65 branch bank offices in Florida, Georgia and Alabama. Capital City Bank and [...]

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Credit Cards for Everyday Expenses

Posted in November 23rd, 2009

by admin in Credit Card News

Simply having a credit card that you put all of your purchases and expenses on can make personal money management a simpler task. By having all of your expenses recorded in one easily distinguishable source and location, money management and budgeting can be handled more efficiently and effectively. If you are prudent and careful in [...]

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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

I am concerned about banking online or even over the phone, if I bank by telephone or the internet, are my legal protections the same as when I bank in person?

Yes. The basic FDIC insurance amount applies to each separately chartered bank or savings association whether or not they internet based or not. In addition, you’re protected by the Electronic Fund Transfer Act, which governs consumer rights involving errors in the handling of electronic deposits, payments or withdrawals, and limits on consumer liability

My checking account has unauthorized monthly charges/withdrawals from a merchant. The charges started eight months ago, but I just noticed them. The bank won’t reverse the charges. How can I stop this?

First, contact the merchant in writing. Ask them to cancel both the service and the charges to your checking account. Send a copy of this letter to your bank. You should also notify the bank that these charges are no longer authorized. The bank may require you to complete an affidavit.

One of the first pieces of advice I get is to build an emergency fund at a bank. Why?

Emergency funds are a necessity for financial safety measures because they give you resources to fall back in times of financial emergencies such when you become very ill or disabled and can’t work, or if you or your spouse lose your job, incur large medical bills, or have an unexpected large bill such as a

Does the FDIC insure the contents of safe deposit boxes?

No, the FDIC does not insure safe deposit boxes or their contents. In the event of a bank failure, in most cases an acquiring bank takes over the failed bank’s offices, including the locations with safe the deposit boxes. If an insured bank does not acquire the bank and the deposit boxes the safe

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

Bank Interest Rates Earned and Interest Rates Paid

Bank rates such as CD rates and savings rates often move very slowly to the upside when the general level of interest rates start rising. On the opposite side of the banks interest rate management, it is not unusual for your credit card interest rate to jump to 25 or 30 percent when rates rise

APY and APR Meaures to Pay Debt

APY measures the rate of return on an interest bearing asset over a period of one year and is a good tool to measure the best rates between bank savings account, money market account and CD rates. APR measure the cost of borrowing funds over a period of one year and is good tool to

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Wells Fargo Bank CD Rates
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