Finding the Best Bank Rates and Deals #2

Anonymous - #1, Sunday, May 7, 2006 - 11:46 PM

Wachovia is buying Golden West financial, the parent of world Savings.

Banking Guy (anonymous) - #2, Monday, May 8, 2006 - 8:30 AM

Thanks for the info. I've posted on it here. Hopefully, they'll let World Savings continue with their CD deals.

Rammesh (anonymous) - #3, Monday, May 8, 2006 - 9:47 AM

NetBank current customers have new offer - $25 Visa Gift Card for opening a CD for $5000 for 1 year. More details here...

---------------------
Your Special Offers

As a valued NetBank® customer you are eligible for these special offers. Special offers change on a regular basis so check back often.

Connect to a 1-year CD at 5.20% APY* (National average is 3.60% APY**)

Benefits are:

* Top tier rating on Bankrate.com**
* Few investments are as safe as a
NetBank® CD
* Get a $25 Visa Gift Card when you open and fund a 1-year (or longer) term CD
with a minimum balance of $5,000*

Offer subject to change and may be withdrawn at any time. Expires 6/30/06.

Banking Guy (anonymous) - #4, Monday, May 8, 2006 - 7:03 PM

Thanks Rammesh. I've posted on it here. It's not quite as good as last February, but it's still a decent deal especially when you consider their 1-year CD pays a nice 5.25% APY. -Ken

FIRE Finance (anonymous) - #5, Tuesday, May 9, 2006 - 2:12 AM

Everbank is offering a MarketSafe Gold Bullion CD. The details are availabe at http://www.everbank.com. We have also done a post on the above CD.

Banking Guy (anonymous) - #6, Tuesday, May 9, 2006 - 8:12 AM

For those who want to spice up their CDs, Everbank has some interesting ones. They also use to have a CD tied to the S/P index fund (see post) . They don't seem to offer that one any more.

Anonymous - #7, Wednesday, May 10, 2006 - 6:49 AM

Got a post card in mail that they'll be offering 5.50% on 18 month CD from 5/15 to 5/25.

It seems that you can apply on-line, come back and verify the rate on 5/15.

http://www.ynb.com/personal/rates_cdira.html

Banking Guy (anonymous) - #8, Thursday, May 11, 2006 - 7:37 AM

Thanks, I'll be sure to check on them next week.

Anonymous - #9, Thursday, May 11, 2006 - 12:43 PM

Superior Savings Bank of NE has a nice 5% money market rate. But be aware. When they raise the rate, they create a whole new money market product. Existing accounts have to call and upgrade, or they stay at the old rate!! sneeky.

Banking Guy (anonymous) - #10, Thursday, May 11, 2006 - 5:54 PM

Thanks for the info on Superior Bank. I have a post on them here. Also, the account has a min of $100K. Their tactics seems similar to what banks do with promotional CDs. They hope customers just let them renew into low-rate CDs.

Anonymous - #11, Thursday, May 11, 2006 - 7:29 PM

http://www.ynb.com/personal/summer.html

5.50% 18 months CD is up already.

scott61 (anonymous) - #12, Friday, May 12, 2006 - 7:50 AM

Salem Five bank is offering a 9 or 15 Month CD at 5.30. Can be opened online.
http://www.salemfive.com/personal/accountRates.html

Banking Guy (anonymous) - #13, Friday, May 12, 2006 - 7:53 AM

Thanks for the YNB info! I've posted on it here .

I called the bank and received some more info. I was told you have to be either a NJ or PA resident. Nevertheless, it's good deal for people in those states.

Banking Guy (anonymous) - #14, Friday, May 12, 2006 - 8:19 AM

Thanks scott for posting the Salemfive CD info! I posted on it here. 5.30% 9-month is a great rate. Interesting they're still offering that same no-penalty CD that they were offering back in October with even a lower rate than before.

Anonymous - #15, Friday, May 12, 2006 - 9:32 AM

1st Mariner Bank (Footprint of Maryland and Delaware) is offering a promotional 5.50%APY 9 month CD at their Odenton Branch until the end of May. There is an email campaign that will be sent out on Monday that will have a coupon that the customer must bring into the branch that will allow them to open the promo CD and a checking account with a $25 promotional deposit and a free gift. You can only receive the $25 dollars if you open the checking account with the CD and have the coupon to present to the Odenton branch at the time of opening. The email is being sent to those in and around Odenton but if you contact the branch they can forward it to you if you do not receive it. It is not required to open a checking account with the CD, you can simply go in and open the CD by itself.

Anonymous - #16, Friday, May 12, 2006 - 10:50 AM

Emigrant Direct offer a savings account with no minumum and no fees. Not Bad
http://www.emigrantdirect.com

Anonymous - #17, Friday, May 12, 2006 - 10:55 AM

Oops, the emigrant direct savings with no min and no fees was at %4.50.

Anonymous - #18, Monday, May 15, 2006 - 11:05 PM

Citibank e-Savings Up: Now 4.75 APY
http://www.citibank.com/us/d.htm

Anonymous - #19, Tuesday, May 16, 2006 - 8:24 AM

4.85% IndyMacBank E-Money Market

http://www.indymacbank.com/Individuals/Banking/page.asp?pSection=pdEMMRate

$1,000 - $9,999.99 4.11% 4.20%
$10,000 - $24,999.99 4.11% 4.20%
$25,000 - $49,999.99 4.74% 4.85%
$50,000 + 4.74% 4.85%

Product Features and Requirements

· Minimum to open is $1000

· Interest is compounded daily and paid or reinvested into the account monthly. Interest tiers feature higher interest for higher balances starting at balances of $1,000. No interest is paid for each day your balance falls below $1,000 during the month.

· Monthly fee is $7 if your balance falls below $1,000 during the month.

· Check writing and Visa Check Card are not available.

· ATM access is available. Indymac Bank® will not charge you a fee for using any ATM.

· You may open this account as a retirement account. Subject to retirement account restrictions.

· Rates guaranteed until 8/31/06.

· New money only.

Mark Stone (anonymous) - #20, Wednesday, May 17, 2006 - 4:15 PM

Southern New Hampshire Bank (www.snhb.com) is running a nice 9-24 month special - 5.50 APY. Can be opened up through the mail and minimum is $500.

Banking Guy (anonymous) - #21, Wednesday, May 17, 2006 - 6:48 PM

Thanks everyone for your deals comments! I'll try to post on some of them tomorrow. -Ken

David (anonymous) - #22, Thursday, May 18, 2006 - 1:19 AM

The Golden 1 Credit Union in California is offering a 12-month CD at 5.25% APY with $1,000 minimum.

Link: http://www.golden1.com/promotions_accounts_services/2006/may06_CD.asp

zeego (anonymous) - #23, Thursday, May 18, 2006 - 11:37 AM

The post on 5-14-06 about the CD at Superior Savings Bank in Superior WI: This happens to be my birthplace and where my father lives. Phoned him, he went to his otherlocal bank and they matched the rate.

Banking Guy (anonymous) - #24, Thursday, May 18, 2006 - 2:49 PM

Thanks David on the Golden 1 info. I've added it to the comment on the last post I did on them.

Zeego, glad to see this helped your father get a better rate. It's a good lesson to always request from your current bank a rate match before you move your money.

Rick (anonymous) - #25, Saturday, May 20, 2006 - 9:55 PM

http://www.snhb.com/cdrates.htm

9 month 5.5%apy cd

Anonymous - #26, Sunday, May 21, 2006 - 6:50 PM

Hey Banking Guy,

United Commerical Bank is offering cash bonus up to $9288. That's insane. Seems too good to be true. Could you please find out more about this promotion?

Here is link to their Home Page:
https://www.ibankunited.com/home.html

Here is the link to the promotion:
http://www.ibankunited.com/p_deposits/uasavings.html

Banking Guy (anonymous) - #27, Monday, May 22, 2006 - 8:33 AM

Thanks for the info on United Commerical Bank. They sure don't have many details on their website on this deal. I have a feeling there are many requirements. I'll look into it.

Anonymous - #28, Tuesday, May 23, 2006 - 2:17 AM

12-month cd, 10%apy $100 minimum , $1000 max
see details in footnote.

http://www.eaglebnk.com/new-pages/depositrates.htm

scott1961 (anonymous) - #29, Tuesday, May 23, 2006 - 8:13 AM

http://www.worldsavings.com/servlet/wsavings/savings/five-month-cd-dynamic.html?FP=WeChGoEH2322&KW=world%20savings&LP=WeChFiEH2357
New World Internet CD 5 month 5.31% open to all

newlybornfirestarter (anonymous) - #30, Tuesday, May 23, 2006 - 1:24 PM

Few Rate Updates:

Virtual Bank

3-Month CD (Up): 5.02% APY

UFB Direct

Jumbo MMA (Up): 4.91% APY

Corus Bank

6-Month CD (Up): 5.30% APY
1-Year CD (Up):5.45% APY
3-Month CD (Down): 4.81% APY
MMA (Down): 4.81% APY

Giant Bank:
MMA (Up): 4.51% APY

Banking Guy (anonymous) - #31, Tuesday, May 23, 2006 - 6:43 PM

Thanks anonymous, scott1961 and newlybornfirestarter. I've posted on all of them today.

CD Man (anonymous) - #32, Wednesday, May 24, 2006 - 9:29 AM

Garden City Bank,MO, 6 years/ 5.9 % (IRAs: 6.11%), 816 773 8150

CD Man (anonymous) - #33, Wednesday, May 24, 2006 - 9:30 AM

Garden City Bank,MO, 6 years/ 5.9 % (IRAs: 6.11%), 816 773 8150

CD Man (anonymous) - #34, Wednesday, May 24, 2006 - 9:31 AM

First State Bank, FL, 5 years/ 6%,
941 929 9000

Carol in California (anonymous) - #35, Wednesday, May 24, 2006 - 12:24 PM

IndyMac Bank has increased its Prime Index Account to 5.25%. This is the same account as posted 4/5/06. The rate is good only at the Ventura and Camarillo, CA branches. The Ventura County Star has been advertising this rate for the past week.

Banking Guy (anonymous) - #36, Wednesday, May 24, 2006 - 6:32 PM

Carol, Thanks again for the info. I posted on IndyMac's local deal here.

CD Man, Thanks for those long-term CD deals. I'll try to post on them tomorrow. It's hard to beat Penfed's 6% 3-year CD (post) and the new AFCU's 6.36% 3-year CD (post).

scott1961 (anonymous) - #37, Friday, May 26, 2006 - 6:07 AM

http://www.salemfive.com/
Star Money Market is now 4.75% with $10k min
Great rate from a B&M bank
can be opened by anyone

Anonymous - #38, Friday, May 26, 2006 - 2:04 PM

NetBank and Buy.com have some new bonuses...up to $160 total.
http://www.netbank.com/pro366.htm

Banking Guy (anonymous) - #39, Monday, May 29, 2006 - 9:02 AM

Thanks Scott, I posted on Salemfive here.

Thanks anonymous on the Netbank promo. I have some other Netbank promos here.

Banking Guy (anonymous) - #40, Tuesday, May 30, 2006 - 7:04 PM

About that $9288 bonus at United Commercial Bank, it does look too good to be true. There's a good post about the details here.

scott61 (anonymous) - #41, Wednesday, May 31, 2006 - 6:40 AM

Found this at a bank local to me. You do have to go in to open.
Needham Cooperative Bank in Massachusetts is having a special on a 1-Year CD that earns 5.50% APY.
http://www.needhambank.com/greatrates.php

Anonymous - #42, Wednesday, May 31, 2006 - 6:49 AM

ING goes up .1%! WOW!

Banking Guy (anonymous) - #43, Wednesday, May 31, 2006 - 8:55 AM

Thanks again Scott. I posted info on this here.

And thanks anonymous for the ING update. You can see how much they've lagged the others here.

Anonymous - #44, Wednesday, May 31, 2006 - 2:14 PM

interState Net Bank is paying 5.00% on its money market account for balances over $10,000. This rate is guaranteed until December 31, 2006.

Banking Guy (anonymous) - #45, Wednesday, May 31, 2006 - 5:59 PM

Thanks for the info on interState Net Bank. My last post on them was here. It does seem like a good deal if you plan on keeping at least $10K in the account.

Anonymous - #46, Wednesday, May 31, 2006 - 9:10 PM

America Heritage FCU (Philadelphia PA) 13 month 5.25 APY

site https://www.amhfcu.org/asp/rates.asp

Anonymous - #47, Thursday, June 1, 2006 - 1:50 PM

Dime Savings Bank of Williamsburgh

Money Market Promotion 6.00% APY special 3 mo. promotion.

www.dimedirect.com/6mma.htm

restrictions

Anonymous - #48, Thursday, June 1, 2006 - 4:49 PM

10% 1 year CD's but capped at $1,000.

http://www.glacierhillscu.org/grandopening.html

scott61 (anonymous) - #49, Friday, June 2, 2006 - 6:07 AM

Countrywide Bank Savingslink account has moved up to 5.00% for $50k+
https://bank.countrywide.com/CWBRates.aspx?tab=sl

Banking Guy (anonymous) - #50, Friday, June 2, 2006 - 9:15 AM

Thanks for the American Heritage FCU special The 5.25% CD for 13-months is good but they also have a 5.50% for $50K+ deposits which is higher than what most online banks are offering. I've posted on it here.

Thanks for the Dime Bank 6% promo. I think this might be limited to those who have been given a promo code. Refer to this FW thread.

Thanks for the 10% CD special. I posted on it here. It has a very low max, but it's an extra $46 over what you could get from other 1-year CDs.

Scott, thanks for the Countrywide update. I posted on it here.

Anonymous - #51, Saturday, June 3, 2006 - 12:25 PM

Hello Ken,
How are you? This deal might be of interest to you.
Arlington Virginia Federal CU
is offering
a 5.50%APY, 60-month, $500.00 min. CD
with an option to bump up the rate 5 times during the CD term. Also, Platinum members get 0.25% higher rates.

FOM
is limited to those who live, work, worship, volunteer or go to school in Arlington County plus their immediate household and family members.
This CU has a 5 star rating from Bauer Financial.

Regards,
Victor.

Banking Guy (anonymous) - #52, Saturday, June 3, 2006 - 3:09 PM

Thanks Victor. I posted on it here. I found that they have a history of a high 5-year CD rate so there should be meaningful chances to make use of the bump-up feature.

Greg Taylor 800-362-9876 x 203 (anonymous) - #53, Saturday, June 3, 2006 - 8:24 PM

Hello Block CD buyers,
I have access to a credit union in California offering rates for $100m block CDs. I am a registered broker and I can facilitate these transactions for you free of charge (I am paid from the CUs). I have 1-3 yr 5.25 % APR. 4 YR 5.30 APR & 5 YR 5.35 APR. The 4 & 5 YR have ONE TIME BUMP UP FEATURES (with no max on bump) wire or check is okay, and flexible settlement. Call me if interested 800-362 9876 x 203. Ask for Greg. I also have acces to 1 yr 5.65% APR (usually $50k min, $100 pref.) These I would charge you $250 per $100m, but you would receive checks from the 5.65% APR (monthly) or you can let it compound in the account until maturity (and get the APY higher %). You can also email me at "gtaylor@financialnortheastern.com". THX.

Greg Taylor (anonymous) - #54, Saturday, June 3, 2006 - 8:59 PM

I forgot to mention that you need not worry about membership. These are all considered non-member deposits. Allowable by the NCUA (20% of total shares are allowed for a FCU in NM Deposits). I have access to all these Credit Unions contacts that will accept the deposits. No 3rd party, all direct with the credit unions or banks.

scott61 (anonymous) - #55, Sunday, June 4, 2006 - 7:02 AM

http://www.brotherhoodcreditunion.org/rateboard/index.html#savings
Brotherhood Credit Union in MA is offering a 15 Month CD at 5.55% APY requires $10k Min
Membership is open to:
"Any person living or working in Essex, Middlesex, Norfolk or Suffolk counties"

Carol in California (anonymous) - #56, Sunday, June 4, 2006 - 2:39 PM

Today's L.A.Times & Daily News advertise credit union specials for Southern California residents: Kinecta Credit Union- 15 mo 5.55%($1,000min)Phone 866.KINECTA
Premier America CU-7 mo 5.25%($5,000min) AND 7%(!!!)7 mo ($7,000max-$2,000min) with checking, direct deposit or bill pay acct. Phone 800.772.4000.

Banking Guy (anonymous) - #57, Sunday, June 4, 2006 - 3:56 PM

Thanks again Scott and Carol. Looks like 5.55% 15-month is a popular special.

I've posted on the MA deal here.

I posted on the Kinecta deal here. Looks like anyone can join this CU through a non-profit membership and can open the CD online.

The 7% CD deal is posted here . Looks like this may also be available for parts of Houston, TX.

Anonymous - #58, Tuesday, June 6, 2006 - 12:14 PM

http://www.fordcredit.com/interestadvantage/index.jhtml

Ford Interest Advantage, Money Market 5.52% (Backed by Ford Credit, but NOT FDIC insured)

scott61 (anonymous) - #59, Wednesday, June 7, 2006 - 5:13 AM

http://www.cambridgesavings.com/misc.asp?id=399
Cambridge Savings Bank in MA is offering a savings account at 5.15% $25,000 min and rate is guaranteed through 2/28/07. I had an account with this bank in the past and I did go into to open but not sure if you have to. When I closed it they let me do it over the phone and sent me out a check. Also have DIF insurance

Banking Guy (anonymous) - #60, Wednesday, June 7, 2006 - 9:00 AM

Thanks for the info on the Ford account. I see for $50K+ deposits the APY is almost 6%. But like you mentioned, it's not FDIC insured. Short term bond funds may be a better option with less risk.

Scott, thanks for the info on that 5.15% savings account. I posted on it here.

Anonymous - #61, Thursday, June 8, 2006 - 10:53 AM

www.patelco.org
PATELCO Credit Union,Super Saver Certificate. 4.35%APY, 8-month term, Unlimited add-ons, $1K minimum opening balance. This is a CA credit union that I have used for years. The add is listed in the Sacramento Bee Newspaper today.

Anonymous - #62, Thursday, June 8, 2006 - 12:53 PM

Sorry, the Patelco rate should be 5.35% APY.

Anonymous - #63, Friday, June 9, 2006 - 9:33 AM

1st Constitution Bank Celebrates re-opening 6/10, Plainsboro NJ, special rates. 609-750-0200

http://www.nj.com/business/times/index.ssf?/base/business-0/114983705783940.xml&coll=5

1st Constitution Bank reopens

Friday, June 09, 2006

BY BILL MOONEY
PLAINSBORO -- 1st Constitution Bank will celebrate the grand reopening of its branch in the new Plainsboro Village from 9 a.m. to 3 p.m. tomorrow.

The new branch at 11 Schalks Crossing Road has been in service since the previous location across the road at 10 Schalks Crossing Road closed at the end of April, according to branch manager Wendy Mantz.

The difference in locations is greater than simply crossing a road, however. The old location "was a tanning salon before it was a bank office," said Mantz. "It was very gloomy. The new branch is bigger and brighter."

The new branch is full-service and offers safe deposit boxes, a 24-hour drive-up ATM and a station for Internet banking, Mantz said.

Established in 1989 and headquartered in Cranbury, 1st Constitution has nine branches in central New Jersey where it concentrates on small-business, retail banking, commercial and residential mort gages and other services.

Assets for 1st Constitution reached a high of $305.8 million at the end of 2005, which was a record year for the company, according to Mantz. 1st Constitution stock is traded on the Nasdaq National Market under the ticker symbol FCCY.

Bank shares yesterday were trading at $18.94 and in a 52-week range of $16.67 to $20.98.

The grand reopening celebration will be from 9 a.m. to 3 p.m. rain or shine and include a DJ, games and balloons for children, prizes and refreshments. 609-750-0200





Bill Mooney is Business Editor of the Trenton Times. His e-mail address is wmooney@njtimes.com

CD Man (anonymous) - #64, Friday, June 9, 2006 - 11:28 AM

5 years/5.75%APY,Seacoast Commerce Bank, CA, 619 476 7776

5 years/5.55%APY, Omni National Bank,GA, 770 396 0000

5 years/5.55%APY,Raymond James Bank, FL, 800 874 BANK

Anonymous - #65, Monday, June 12, 2006 - 8:10 AM

Colony Bank
Houston County, GA
478-987-1009
5.5% APY
$500 minimum
12 months CD

Anonymous - #66, Monday, June 12, 2006 - 1:22 PM

Hey Anonymous, You Said:"Dime Savings Bank of Williamsburgh

Money Market Promotion 6.00% APY special 3 mo. promotion.

www.dimedirect.com/6mma.htm

restrictions

By Anonymous, at 11:50 AM, June 01, 2006 "


I'd love to sign up for this, they take amounts up to $250,000.00 @ 6%, what joy! But you need a promo code to sign up for it. What is it?

Anonymous - #67, Monday, June 12, 2006 - 1:24 PM

post move: Anonymous said: "Since we are becoming more and more international I wonder if you have any experience with banks in other parts of the world? I found this great rate of 6.5% at an online bank in Australia that has been in business for about 100 years here: http://www.abetterdeal.com.au/TeleNet_Term_Deposit/index.asp and I found out about by searching through this bank rate comparison site here: http://www.infochoice.com.au/banking/atcallsavings/compare/tables/online/NSW.asp .

I used to have an acount with RBC (Royal Bank of Canada) and it was just like an American bank, they held my assests in U.S. dollars. I banked with them through the mail. If we can get higher rates by going to another country do you know of any sites that compare rates worldwide for return and safety? Also, what do you know of putting American dollars in a foreign bank? Do you recommend it?

ooops! thats http://www.abetterdeal.com.au/
TeleNet_Term_Deposit/index.asp

David (anonymous) - #68, Monday, June 12, 2006 - 3:28 PM

From the Golden 1 Credit Union website:

"The Golden 1 hands you the key to unlock your
savings potential with a Bump-Up 10-Month
Certificate or 22-Month Certificate at 5.45%
APY. These new IRA and regular certificates
offer you both flexibility and control by giving
you a one-time opportunity to “bump-up” your
rate if the rate on the certificate you choose
increases. Your rate cannot decrease; you are
locked in at 5.45% APY until you take advantage
of the one-time “unlocking” option to secure a
higher rate."

http://www.golden1.com/promotions_accounts_services/2006/june06_bumpCD.asp

Anonymous - #69, Monday, June 12, 2006 - 4:49 PM

Plainsboro offices of www.1stconstitution.com
Call 609-750-0200 for Grand Opening Specials

Savings Accounts/Money Market Accounts:

1st Choice Super Savings 4.75% APY*

Liquid Account- Deposit and withdraw any time. Minimum to open only $10,000.00. *4.75% APY Super Savings- Annual Percentage Yield (APY) is as of 06/01/06. The introductory rate may change on or after 06/30/06 and will apply to balances of $10,000 or more. Balances under $10,000 earn 1.60% APY. If the balance falls below $10,000, a service charge of $20 will be imposed. Fees may reduce earnings.

Anonymous - #70, Monday, June 12, 2006 - 4:51 PM

Plainsboro, NJ offices of www.1stconstitution.com
Call 609-750-0200 for Grand Opening Specials

CD Rates:

6 Month CD @ 5.00% APY**
9 Month CD @ 5.25% APY**

**Minimum to open only $1,000. Annual percentage yield (APY) based on 12 months.

newlybornfirestarter (anonymous) - #71, Tuesday, June 13, 2006 - 8:54 AM

E*Trade Bank Yield Increase:

CDs APY
3 Month 4.85%
6 Month 5.40%
1 Year 5.50%
2 Year 5.50%
3 Year 5.50%
5 Year 5.55%

ferro (anonymous) - #72, Tuesday, June 13, 2006 - 3:08 PM

AFCu yields dwon to 6% on 4 and 5 yr certificates

WeHelpEveryone (anonymous) - #73, Wednesday, June 14, 2006 - 9:13 AM

10% 1 Year CD at MA BANK

http://www.bankeagle.com/new-pages/depositrates.htm

respectfully, BostonMoney
http://bostonmoney.blogspot.com/

Anonymous - #74, Wednesday, June 14, 2006 - 10:55 AM

5% APY "SavingsLink" at Countrywide over $50K.

Anonymous - #75, Thursday, June 15, 2006 - 6:11 AM

HELLO!!! What is the Dime Bank 6% promo code?? It does no good to post a promotion that nobody can get without the code.

Banking Guy (anonymous) - #76, Thursday, June 15, 2006 - 8:31 AM

Thanks everyone for the deals.

Refer to my previous comment about the 6% Dime Bank promo. As you mention, it's limited to those with a promo code.

That Savinglink 5% rate is a good deal (see post. I have heard they do hard credit pulls however.

Anonymous - #77, Thursday, June 15, 2006 - 9:53 AM

South Jersey:
Lot of these banks/ credit unions offer specails but most of us don't qualify becase we dont qulaify for the memership or the banks don't want t do business over the mail they do not have restictions so it becomes a waste of time calling these palces up

Anonymous - #78, Thursday, June 15, 2006 - 12:24 PM

GE Money Savings is offering promotions in select cities. The promo codes and open to use for all.

portland1, seattle1

Banking Guy (anonymous) - #79, Thursday, June 15, 2006 - 6:19 PM

Thanks for the note about the GE Money Savings promo. I posted about it in this post.

Anonymous - #80, Thursday, June 15, 2006 - 10:36 PM

Dear Banking Guy,

Thanks for the up to date info on bank deals.
However, I have a comment on OneUnited Bank 5% saving account.

In your short cut to bank disclosure of fees it says:

"For all Savings Accounts: $1.00 for each withdrawal (including preauthorized debits) in
excess of 3 per month."

Is the fee applied after the third ACH or on all as you have indicated in the negative column?

Please explain if you info came from OneUnited Bank or am I missing something.

Thanks
Bob

scott61 (anonymous) - #81, Friday, June 16, 2006 - 7:18 AM

http://www.danversbank.com/
Today's Boston Globe has an ad from Danvers Savings bank in MA offering a 9 Month CD at 5.50% APY. Not listed on their site. Ad states $500 min to open and requires you to open a checking account with direct deposit

Banking Guy (anonymous) - #82, Friday, June 16, 2006 - 8:05 AM

Bob, I missed that statement in the disclosure. But the last table didn't have any exception listed when it stated "ACH Withdrawal Fee: $1". Looks like this is going to require another call.

Banking Guy (anonymous) - #83, Friday, June 16, 2006 - 8:45 AM

Thanks Scott for the posting to 5.50% CD special. I posted on it here.

thecpa (anonymous) - #84, Sunday, June 18, 2006 - 12:54 PM

nooAmerica's Credit Union is offering a $75 sign up bonus. Membership is open to all. Must select the "civilian" option when signing up.

https://www.yourcreditunion.org/whatsnew/webspecialredcross.php

Banking Guy (anonymous) - #85, Sunday, June 18, 2006 - 4:01 PM

Thanks thecpa. I actually had posted on this back in January, but I thought it was a good deal to post an update especially since it's a credit union that's open to all. If you select civilian in the application, can you avoid having to join that US Army association?

Anonymous - #86, Monday, June 19, 2006 - 11:48 AM

Presidents Special. 5.45%APY, 11-Month CD. American River HealthPro Credit Union(ARHPCU). Sacramento, CA, branches.

Anonymous - #87, Monday, June 19, 2006 - 12:46 PM

I haven't investigated this too much, but check out Millenium Bank:

http://www.mlnbank.com/prem_cds.html

Example:
1 yr Cd, $5k min, 6.75%.

Banking Guy (anonymous) - #88, Monday, June 19, 2006 - 6:56 PM

Thanks for the mentioning the ARHPCU CD special. I posted on it here.

Thanks for the info on Millenneium Bank. I've done a little research into this offshore (non-FDIC) bank last October.

Anonymous - #89, Monday, June 19, 2006 - 8:30 PM

Countrywide Bank is now offering higher rates by calling its 800 number or visiting a banking center than over the internet.

The rates seem to vary by area. To find the higher rates insert your zip code in the box at the top of this page:
http://bank.countrywide.com/CWBRates.aspx

The highest rates I could find were for the Chicago area (try zip code 60600).

Anonymous - #90, Tuesday, June 20, 2006 - 7:52 AM

newark nj:
yes i have countrywide money maehet and i live in the are with 5% money maeket. for last 4 weeks they have not changed my rate my deposit requirements a enought to satidfy the yeild. i have requested them numerous times all the csr tell me something else. inconclusive banking for my money. so i am looking for another bank

Anonymous - #91, Tuesday, June 20, 2006 - 7:53 AM

newar nj:
anyone have experinec buying preforcoluser houses>
i am looking for 1 or 2 in noeth jersey area

Banking Guy (anonymous) - #92, Tuesday, June 20, 2006 - 8:28 AM

Thanks for the info on Countrywide. I've posted on these CDs here. I have read about others who also had problems with CW. One big complaint is the hard credit pulls.

Anonymous - #93, Tuesday, June 20, 2006 - 10:54 AM

South Jersery:





http://www.mlnbank.com/prem_cds.htm


i called them up. they will only opeen the cd when you go there in peson.. now we are NY how do you open that...
well just another teaser

scott61 (anonymous) - #94, Tuesday, June 20, 2006 - 7:47 PM

https://www.heritageccu.com/
Heritage credit union has a 7 month 7% CD. $7k min no max. To bad I can't get this but hopefully will see a deal like this soon in my area

Banking Guy (anonymous) - #95, Wednesday, June 21, 2006 - 8:40 AM

Thanks scott for the 7% CD. I posted on it here. It does seem to be limited to a $7K deposit. Nevertheless, it's still a good deal for those eligible.

Anonymous - #96, Wednesday, June 21, 2006 - 12:46 PM

south jersey:

Anyone knows how to negotiate with the banks in the area for good rates(_jumbo cds) when credit unions are giving 6-7% on less than a year cd ?

David (anonymous) - #97, Friday, June 23, 2006 - 3:19 AM

Another Golden 1 CD deal...
http://www.golden1.com/promotions_accounts_services/2006/june06_bumpCD2.asp

Steve (anonymous) - #98, Monday, June 26, 2006 - 6:01 AM

Citibank e-Savings now at 5%!

Anonymous - #99, Monday, June 26, 2006 - 9:00 AM

DCU - Digital Federal Credit Union: 11-month saving certificate 5.35% APY. Very good CU and easy to become a member. http://www.dcu.org

Carol in California (anonymous) - #100, Monday, June 26, 2006 - 1:05 PM

It looks like the 5.60% 12 mo.($10,000 min) at Countrywide from the June 20th post is also available in the S. Calif area as advertised in the Ventura County Star today for both 12mo CDs and also 1yr IRAs.

Mark Stone (anonymous) - #101, Monday, June 26, 2006 - 5:21 PM

Ken - that DCU 11 month special CD mentioned two posters up is actually 5.35% APR and 5.50% APY. By reading through the CD documents looks like the early withdrawal penalty is only 45 days interest and you can add additional funds (at least $100) at any time. About time DCU came out with a good CD rate!!!

Anonymous - #102, Monday, June 26, 2006 - 6:23 PM

June 26, 2006

I checked with Colony Bank in Savannah, GA this morning to ascertain if the APY of 5.75% (posted originally on May 21)for terms of 9-12 months is still available. It is still available and is not restricted to Georgia residents.

Banking Guy (anonymous) - #103, Monday, June 26, 2006 - 6:28 PM

Thanks everyone for the deals. I've posted on The Golden 1 deal, the new Citibank rate and DCU's new CD special.

Thanks for the Colony Bank update. That post is located here.

I think DCU did change that CD special from 5.35% to 5.50%. I don't think it was an APY vs. APR thing. I had noticed it this morning after the last comment. I was expecting a little better rate from DCU. Perhaps they realized it wasn't that great and bumped it up to 5.50%.

Banking Guy (anonymous) - #104, Monday, June 26, 2006 - 6:37 PM

Carol, Thanks for the info on Countrywide Bank. I've added your comment to that post.

Anonymous - #105, Tuesday, June 27, 2006 - 2:15 PM

Amboy Direct Premium Savings 5.05%

http://www.amboydirect.com/premiumsavings/

Win_777 (anonymous) - #106, Tuesday, June 27, 2006 - 5:32 PM

North Fork Bank
8 month CD - 5.25% APY
Min. $500 to open

http://www.northforkbank.com/

Anonymous - #107, Wednesday, June 28, 2006 - 7:53 AM

Capital One High Yield Money Market & Money Market Accounts up to 4.75% APY.

Banking Guy (anonymous) - #108, Wednesday, June 28, 2006 - 9:17 AM

Thanks everyone for the rate updates. I've posted on Amboy and Capital One.

Anonymous - #109, Wednesday, June 28, 2006 - 6:47 PM

Hello Ken,
How are you doing? Fort Belvoir FCU,Woodbridge VA, operating four branches in Northern Virginia area is offering several long term CDs with high APYs, all requiring $1K min.:
1) 33-month, 6.17%APY 60-th Anniversary Special CD;
2) 36-month 6.17%APY CD;
3) 48-month 6.27%APY CD;
4) 60-month 6.43%APY CD.
FOM is limited to
active, or retrired members of Armed Forces, emplyees of certain government agencies, and some businesses, and to those living, worshipping, going to school, or doing business in Southestern Fairfax County, or North Woodbridge. This FCU has a 4-star rating from Bauer Financial.
Regards,
Victor.

Banking Guy (anonymous) - #110, Thursday, June 29, 2006 - 8:23 AM

Thanks Victor for the info. I've posted on these CD rates here

Anonymous - #111, Friday, June 30, 2006 - 12:57 AM

ING Direct Orange Savings 4.35%, woohoo! LOL

Steve (anonymous) - #112, Friday, June 30, 2006 - 8:40 AM

HSBC Savings up to 5.05%

Banking Guy (anonymous) - #113, Friday, June 30, 2006 - 9:15 AM

Thanks for the rate updates on ING and HSBC.

Anonymous - #114, Friday, June 30, 2006 - 6:46 PM

Virtual Bank eMoney Market is up to 5.13%!

Anonymous - #115, Friday, June 30, 2006 - 7:42 PM

Virtual Banks eMoney Market actually is tiered and now goes up to a top rate of 5.13% APY.

Anonymous - #116, Wednesday, July 5, 2006 - 9:32 AM

GE Money Savings has raised their APY to 4.5% for balances > 4K.

www.gemoneysavings.com

scott61 (anonymous) - #117, Wednesday, July 5, 2006 - 2:26 PM

http://www.ufbdirect.com/ufbdirect/rates.asp
UFB now 5.13% APY on Jumbo $50k+ MM

Anonymous - #118, Thursday, July 6, 2006 - 8:21 AM

I have "The Peoples Bank" 2 yr Prime-floating CD. Prime minus 260 basis points (current APR is 5.65%). No-fee. Settles on 7/28/06, matures 7/28/08. Pays monthly & re-sets monthly according to WSJ Prime. Call me 800-362-9876 x 203.
THX,
Greg

thecpa (anonymous) - #119, Thursday, July 6, 2006 - 10:37 PM

I sent chartway a $8K check and credited to my account on 6/27. Chartway deposited the money in the savings account. I've called them several times and they tell me they are backed up processing the promo cd's. I was credited $.88 for three days of interest. That's 1.25%! It's been 15 days already and they still have not opened the account. Has anyone else experienced this problem?

Anonymous - #120, Friday, July 7, 2006 - 12:49 PM

Dime Savings still has completely liquid 6.00% apy MMA 3 month promotion at

http://www.dimewill.com/promotions/offer3.asp

You can sign up online without the promotion code from anywhere in the country (even though it has a star showing the code as a required field--you leave it blank).

Very few restrictions and can close account after 3 month period without penalty.

MG

Banking Guy (anonymous) - #121, Friday, July 7, 2006 - 1:51 PM

Thanks MG! Glad Dime opened this up for all. I've posted on it here.

Anonymous - #122, Friday, July 7, 2006 - 11:39 PM

Hi Banking Guy,

Beware of OneUnited Bank!!!!!! Their ACH is the worst on whole earth. It take 5-7 days to post
and your account is either locked or the funds are frozen until ACH is outstanding or
until the ACH is completed. Furthermore, once you initiate the transfer, there is no record anywhere that the request is received or confirmed. There is no place to set up any external
accounts. Every transfer must be entered manually every time. While initiating the ACH, You must enter all of your personal info over and over again. You can not cancel, modify or change anything after pressing the proceed button. No help available until you call CSR and make her cancel everything initiated and start all over again after a wait of 20 to 30 min. Stay away!!!!

Thanks
David

Banking Guy (anonymous) - #123, Saturday, July 8, 2006 - 9:17 AM

David, thanks for the comment. Sounds like a pretty pathetic ACH system. I've added your comment to my OneUnited post.

Anonymous - #124, Saturday, July 8, 2006 - 10:42 AM

Hi to All,

I read a similar posting about the bad ACH at OneUnited Bank.

Link:
http://www.fatwallet.com/t/52/604827

Susan L.

Anonymous - #125, Saturday, July 8, 2006 - 6:34 PM

7% for 7 month CD at USE Credit Union.

http://www.usecu.org/

Anonymous - #126, Sunday, July 9, 2006 - 1:43 AM

Besides not being redeemable for the life of the CD, what are the other disadvantages of dealing with this offer?

http://www.mlnbank.com/prem_cds.html

How much of a risk would I be taking buying these CD's?

1morekickNDhead (anonymous) - #127, Sunday, July 9, 2006 - 12:11 PM

PayPal members are allowed free use of their cash in a MMA that changes bi-weekly. As of 6-28-06, it was at 4.82%. Love em or hate em, I think PayPal rocks! I've had an account for over 7 years with no issues.

Banking Guy (anonymous) - #128, Sunday, July 9, 2006 - 12:26 PM

Thanks for the USE CD info. It also has a nice 6% 18-month CD. I included both in this post.

Refer to this post on the offshore Millennium Bank.

I've included Paypal in my weekly savings account alternatives (it's a non-FDIC MMF). Vanguard MMFs would also be a good alternative especially if you want to invest in stock and bond funds.

Bill in Cal (anonymous) - #129, Monday, July 10, 2006 - 7:18 AM

Imperial Capital Savings in Southern California is offering a 6 month cd at 5.40% and a 9month cd at 5.5% with only a $2000. minimum. Cd accounts can be opened online.

Bill in Cal (anonymous) - #130, Monday, July 10, 2006 - 7:20 AM

Sorry, forgot URL for Imperial Capital Savings in earlier post.




http://www.imperialcapitalbank.com/index.php

Anonymous - #131, Monday, July 10, 2006 - 1:34 PM

Wondering how come there is never any mention of FISN, even though it is a brokerage house. They always seem to post on their web site www.fisn.com great rates for fixed term, callable and step up CDs. Even if they are called, the short term rate is still very good.
Has anyone had any experience with them??

Anonymous - #132, Monday, July 10, 2006 - 1:40 PM

I am also in process of getting the Chartway 8% 8 month CD. I saw a posting on 7/6 that said its taken 15 days and counting to open the CD. Doesn't sound good! They sounded pretty efficient over the phone. Chartway is sending me the paperwork in the mail.

Anyone else experiencing issues with Chartway??

Anonymous - #133, Monday, July 10, 2006 - 6:49 PM

I just received an email today from Apple Bank for Savings about their Grand Yield Direct account and ACH transfers.

Here's what i sent them and their response.

Just a question that i couldn't find about your new grand
yield direct savings account. Are there any charges for incoming or
outgoing ACH transfers?

There are no fees associated with standard transfers through the ACH. There
is a fee of $10/transaction for next day transfers.

Banking Guy (anonymous) - #134, Monday, July 10, 2006 - 7:26 PM

About FISN, they do have some good rates especially on the callable CDs. I'll have to look into them some more.

About Chartway, they must be busy. Here's my referral post.

Thanks for the info on Apple, I just received the same info. I added it to the comments of that post.

thecpa (anonymous) - #135, Monday, July 10, 2006 - 8:56 PM

$75 Metro Bank

http://metropolitanbank.com/mbsoccer.htm

thecpa (anonymous) - #136, Monday, July 10, 2006 - 9:04 PM

Good news about Chartway

After 23 days I finally got through to the CSR that opens the certificates. She backdated the cirtificate to the date the CU received my check and honored the 8% to that date. Awesome! I'm going to open another one soon. If ou need a referral, write to me at robertortega123@hotmail.com.

David (anonymous) - #137, Tuesday, July 11, 2006 - 2:12 AM

Once again, another Golden 1 CD update:
http://www.golden1.com/promotions_accounts_services/2006/july06_bumpCD.asp

Anonymous - #138, Tuesday, July 11, 2006 - 10:54 AM

Hello,
This weekend I opened a CD at a local Chase bank (NYC). Chase now offers 5.35% interest rate on 6 an 9 month CD; this was released just after july 4th.

Moreover, if you live in NYC, and are bringing-in new money ($10K) you have a choice of either $50 best buy/target/starbucks card, or two tix to US Open.

Enjoy.
-- Ghaslet

Anonymous - #139, Tuesday, July 11, 2006 - 11:34 AM

Pacific Resource CU in Southern California is offering a 7.19 APY CD for terms of 6, 12, or 18 months. New monies required. 1K minimum and 7K maximum. Open to residents of various cities in Los Angeles County and Los Angeles metro.

http://www.pacificresourcecu.org/

Banking Guy (anonymous) - #140, Tuesday, July 11, 2006 - 6:03 PM

thecpa, thanks for the Chartway info. About the Metro Bank checking bonus, I see a new $50 bonus from Metro's home page. Do you know if this might have replaced that $75 bonus?

Thanks David on the new Golden 1 CD special. I added a comment here

Thanks Ghaslet on the Chase Bank special. I posted on it here.

And thanks anonymous for posting the Pacific Resource CU CD deal. Here's the link to that post.

Anonymous - #141, Wednesday, July 12, 2006 - 11:04 AM

Being that most savings and MMs are a tad over 5%. Any feedback regarding 91 day T-Bills at 5% thru Treasury Direct??
At least they are state and local tax free.

Anonymous - #142, Wednesday, July 12, 2006 - 11:11 AM

ING is mailing out $25 sign-up bonus checks for starting an Orange savings account. There's no minimum opening deposit and the $25 bonus can be withdrawn after 30 days. The name and address of the recipient is printed on the application, so you probably can't make a copy of someone else's to claim your own bonus.

I'm not sure how they're compiling the mailing list. Anybody else gotten one of these?

Anonymous - #143, Wednesday, July 12, 2006 - 12:22 PM

One of the advertisements on Bank Deals site is Millennium Bank. They are offering the following. Whats the deal here? Anyone deal with them? Why are there rates so high? Take a look at the longer term rates? They are a Swiss Bank, not FDIC insured.

1 Year CD $5,000 6.75%
$25,000 7.25%
$100,000 7.75%

Anonymous - #144, Wednesday, July 12, 2006 - 2:59 PM

Stay away from any
Millennium Bank, that does not displays
the FDIC on the front page.

Banking Guy (anonymous) - #145, Wednesday, July 12, 2006 - 7:15 PM

For a discussion of T-Bills and other bank deposit alternatives, please refer to my Washington Post article commentary.

Please refer to this post on the offshore Millennium Bank.

Bank Bob (anonymous) - #146, Thursday, July 13, 2006 - 11:12 AM

New Jersey
Plainsboro
9 month cd, 10k min, 5.5% APY
609-750-0200
www.1stconstitutionbank.com

http://www.1stconstitution.com/IMGS/ads/5.50-CD.gif

Nick (anonymous) - #147, Thursday, July 13, 2006 - 2:27 PM

Emigrant Direct will be leaping to 5.15% APY effective July 28th. Details here:

Emigrant Direct to 5.15%!

Steve (anonymous) - #148, Friday, July 14, 2006 - 5:18 AM

GMAC Money Market Savings up to 5.05%

Anonymous - #149, Friday, July 14, 2006 - 7:24 AM

ING must be feeling some pressure. This week I received a letter and a phone call (!!?) from ING customer service offering a .25% APY CD rollover bonus on several CDs which are coming due this month. No mention of this on their website as far as I can tell.

MrFrugality (anonymous) - #150, Monday, July 17, 2006 - 6:46 AM

Here's one more 5%+ Money Market offering to add to the list:

Imperial Capital Bank
5.10% APY iMoney Market Checking
$100,000 up (5.05% for $50,000 - $99,999, 4.70% for $25,000 - $49,999, 3.65% for $2,500 - $24,999)
$2500 minimum to open
$5000 minimum to avoid fees


http://www.imperialcapitalbank.com/personal/money_mkt_ichecking.php

MrFrugality (anonymous) - #151, Monday, July 17, 2006 - 7:02 AM

Link for Imperial Capital iMoney Market account was severed. Complete link is:

http://www.imperialcapitalbank.com/

personal/money_mkt_ichecking.php

MS (anonymous) - #152, Monday, July 17, 2006 - 9:35 AM

WAMU has this free checking, but now offers free debit card with 3% cash back on online purchases up to $250 a year. Drawback: credited only once a year.

Anonymous - #153, Monday, July 17, 2006 - 12:41 PM

USE Credit Union, 6%APY-18Mo CD. They also have 7%APY-7Mo CD, $2500.
www.usecu.org

Banking Guy (anonymous) - #154, Monday, July 17, 2006 - 7:28 PM

Thanks for the USE Credit Union deals. I have a post here on these.

About WAMU's debit card cash back bonuses, I thought this was 3 cents for each debit card use? Here's the account overview page. Perhaps this 3% deal is just being released?

And about Imperial Capital Bank, thanks for the info on their money market. The balance requirements are higher than others. I noticed that they currently have the highest 1-year CD rate of any online bank, so I posted about it here.

SpaceNeedleBoy (anonymous) - #155, Tuesday, July 18, 2006 - 8:52 PM

Sound Credit Union (www.soundcu.com), which offers membership to anyone who lives or works in Washington State, offers an eleven-month CD at 5.50% APY, only a $500 minimum deposit.

http://www.soundcu.com/rates/e/4,815,162342/5233/

SpaceNeedleBoy (anonymous) - #156, Tuesday, July 18, 2006 - 8:58 PM

Weyerhaeuser Employees Credit Union, which offers membership to present or retired Weyerhaeuser employees and their relatives (nationwide), OR who lives/works/worships anywhere in Washington State, is offering a 6 to 11 month CD at 5.12% APY, only $500 minimum.
https://www.wecu.org/ratescalcs/index.asp

SpaceNeedleBoy (anonymous) - #157, Tuesday, July 18, 2006 - 9:05 PM

Cowlitz Credit Union, membership open to all who live/work/worship anywhere in the State of Washington, offers a 1-year CD with a 5.38% APY, $1,000 minimum.
http://www.cowlitzcu.com/asp/rates.asp

SpaceNeedleBoy (anonymous) - #158, Wednesday, July 19, 2006 - 8:11 AM

5.21%$ APY "Super Savings Account" ($15,000 minimum deposit) at State Bank of Bottineau, located in Bottineau, North Dakota.

http://www.statebankofbottineau.com/rates/

Anonymous - #159, Wednesday, July 19, 2006 - 12:41 PM

5.07% APY Zions Internet Money Market Account

http://www.zionsbank.com/internet_mma.jsp?leftNav=pf_savings&topNav=pfinance

Anonymous - #160, Thursday, July 20, 2006 - 8:27 AM

World Savings Bank has 10 months CD @ 5.76% APY; $10K min; apply online or in-branch.
www.worldsavings.com

Anonymous - #161, Thursday, July 20, 2006 - 11:50 AM

Integrity Bank in Gerorgia has 12 month CD 5.75

Anonymous - #162, Thursday, July 20, 2006 - 5:01 PM

1st Constitution Bank
Plainsboro, NJ
609-750-0200
http://www.1stconstitution.com/

now offering a 6 month CD @ 5.5% apy. 10k min

Banking Guy (anonymous) - #163, Thursday, July 20, 2006 - 7:12 PM

SpaceNeedleBoy, thanks for your comments. I've emailed State Bank of Bottineau for more info on that 5.21% savings account. Looks like a good deal.

Good to see Zion's is staying very competitive. I'll mention Zions increase on my weekly summary. I added a note in this post.

About World Savings, looks like they're adding a new 5.76% CD that'll replace the current 3-mo one. I'll try to get more info on this. Thanks.

I've posted on that 5.75% CD from Integrity here. Thanks.

About 1st Constitution Bank, I still only see the 9-mo 5.50% on their website?

Hershie (anonymous) - #164, Friday, July 21, 2006 - 4:05 PM

:) Good to know now newsland has bankdeals. I recommended your blog to them about a month and half ago, I am glad they finally contacted you!!!

scott (anonymous) - #165, Sunday, July 23, 2006 - 7:01 AM

Community Credit Union (myccu.org) in Lynn MA is offering 5.75% for 6 and 12 month CDs,$10k min and must deposit $25 in a share account. Membership is limited, Must live or work in Essex County or within 25 miles of there home office in Lynn. Or be directly related to a current member. The rate is not on there site but has been in the Boston Globe North section for the last 2 weeks

Anonymous - #166, Sunday, July 23, 2006 - 12:22 PM

Community Business Bank, 6.00%APY, 6Month CD. Min opening $25K: Max $250K. communitybizbank.com

Anonymous - #167, Sunday, July 23, 2006 - 12:29 PM

The Golden 1 Credit Union. 6.00%APY, Bump-Up 12 Month CD. Minimum opening $2,500. Maximum $100K
golden1.com

Banking Guy (anonymous) - #168, Sunday, July 23, 2006 - 2:25 PM

Thanks Scott and the others for posting the CD specials.

About the Community Business Bank, was this advertised somewhere? I can't find this CD on the bank's website?

Anonymous - #169, Sunday, July 23, 2006 - 5:33 PM

Response to the Community Business Bank: The advertisment was in my Local Newspaper today (Lodi News- Sentenel). 2 Calif. locations listed. Lodi,CA.209-334-7400, Sacramento,CA.916-830-3560.

Banking Guy (anonymous) - #170, Sunday, July 23, 2006 - 6:53 PM

Thanks for the info on that 6% 6-mo CD. I was able to find the ad online. I posted on this special here.

thecpa (anonymous) - #171, Monday, July 24, 2006 - 9:07 AM

Chartway's 8% CD special will end on FRIDAY July 28th. I confirmed with a CSR just now.

Sree (anonymous) - #172, Monday, July 24, 2006 - 11:08 AM

New Liquid CDs at KeyPoint Credit Union..
http://www.keypointcu.com/keypoint.cfm?tn=std&menuid=55&navids=1,55&pageid=48

Anonymous - #173, Tuesday, July 25, 2006 - 11:45 AM

Texanscreditunion, texas, 6% for 12mo. Min. $1k.

Anonymous - #174, Tuesday, July 25, 2006 - 2:57 PM

I called Community Business Bank to inquire about 6% 6 month CD and was told it's only for "local" customers. I protested that they should not be advertising in the newspaper without stating this limitation; they said it was only advertised in their local papers. Bottom line, you can't get it if you're not "local" to the bank.

Banking Guy (anonymous) - #175, Tuesday, July 25, 2006 - 5:57 PM

Thanks everyone for the CD deals and info. I've posted on the KeyPoint CDs here.

The post on the 6% 12-month CD at Texans CU is here.

Thanks for looking into the Community Business Bank CD. Banks should learn to just post exclusions in the ads or on their websites. It would save them and us a lot of work.

Anonymous - #176, Wednesday, July 26, 2006 - 8:28 AM

Digital Federal CU has posted an 6.00% APY 16 month certificate.

Anonymous - #177, Wednesday, July 26, 2006 - 10:16 AM

I called First financial FCU regarding the 7% 7M $7K special. It ended this past Saturday.

Banking Guy (anonymous) - #178, Wednesday, July 26, 2006 - 1:20 PM

Thanks for the DCU special update. Didn't think they would come out so quickly with another CD promo. I posted on it here

Thanks for the First Financial FCU promo update. Looks like it's over. I added the comment to the post and updated it so it won't show for future weekly summaries.

AZbanker (anonymous) - #179, Wednesday, July 26, 2006 - 3:09 PM

First National Bank of Arizona (fnbaonline.com) has a rate of 5.07% APY on money market accounts above 25K. Also, they are guaranteeing no rate drops until October 31st (rate can still rise). You can open online, available to everyone.

Anonymous - #180, Thursday, July 27, 2006 - 11:02 AM

Feedback on Chartway 8%
I opened one this week, the CSR said it would take 20 days to post the account and that it would be backdated to the day they received the check. Are they that busy that it takes 20 days...?

Anonymous - #181, Thursday, July 27, 2006 - 11:14 AM

Banking Guy. I am interested in two comments you made in recent postings.

World Savings 6% short term CD. When you think it will be released?

Also Pentagon Fed CC. They will offer long term 7% CD. When you think? Because they just released so so rates until Aug 30.

Banking Guy (anonymous) - #182, Thursday, July 27, 2006 - 7:11 PM

I've heard that someone received a special 6% 6-mo CD from World, but I could not confirm that such a special exists by calling two CSRs.

About Penfed, they have a record of offering very competitive long-term CD rates at the start of each year. So there's a chance for a 7% 5-year CD in January. But this is just speculation.

Anonymous - #183, Friday, July 28, 2006 - 3:58 PM

Banking Guy -

Just some info for you. I recently signed up for the Grand Yield Direct savings account from Apple Bank for Savings and so far here are some impressions for you i thought you might like to know.

I signed up online and everything went pretty smoothly during the signup process not too difficult. I chose to do an ACH transfer to make my initial deposit. I signed up & made the ACH initial deposit on the 14th (in the evening) & on the morning of the 17th the money had been taken out of my external checking account. Then after the deposit is finished you have to wait for snail mail for a temporary password so you can sign up for online banking. That was the worst part of it i feel as i had to wait from the 17th after the money was out of my external checking account until the 26th when i received the letter with my temporary password in it. I did call customer service and they told me that once the money is credited to your Grand Yield Direct account then the letter is sent out with the temporary password. Once you have your password then you can go and sign up for online banking. After you sign up you will notice there is no way to transfer money?! What you have to do is wait 24 hours and then sign online again and there should be a button on the top of the screen saying external transfers. External transfers are handle by CashEdge & it seems you are not limited to how many accouts you can have linked to your Grand Yield Direct account. I did a trial deposit for my US Bank checking account and verified it and now i'm waiting on my other 7 accounts to be verified by trial deposits.

Overall other than the snail mail for your temporary password taking awhile everything else not too bad & everytime i talked to customer service or emailed them they were very nice & helpful.

Don't forget also if you'd like to call them that their toll-free number is 800-588-5871 for customer service.

Banking Guy (anonymous) - #184, Friday, July 28, 2006 - 6:27 PM

Thanks for the detailed description! This is very useful and appreciated! I've added this to the comments of my latest Grand Yield Direct post.

thecpa (anonymous) - #185, Saturday, July 29, 2006 - 7:25 PM

Presidential's savings account no longer has a minimum balance requirement after opening with a min of $5K.

Anonymous - #186, Sunday, July 30, 2006 - 12:27 PM

1st Constitution Bank still having Grand Re-opening specials.

5.50 9 month CDs on 10k min.
609-750-0200

http://www.princetonol.com/dcforum/DCForumID8/161.html

Banking Guy (anonymous) - #187, Sunday, July 30, 2006 - 1:07 PM

thecpa, thanks for the info on the Presidential Savings Account. Dropping that min balance requirement was significant. I had mentioned it in a previous post.

anonymous, thanks for the info on the 1st Constitution Bank 5.50% 9-mo CD. It's a decent deal, but not a great one.

Banking Guy (anonymous) - #188, Sunday, July 30, 2006 - 3:13 PM

With close to 200 comments, I thought it was about time to create another one of these posts.

Here's the latest Finding the Best Bank Deals Post.

Please post all new deals you find here. Thanks.

Sree (anonymous) - #189, Monday, October 2, 2006 - 12:29 PM

Patelco got good rates
http://www.patelco.org/Default.aspx

Not FDIC or NCUA insured though..

Gordon (anonymous) - #190, Sunday, October 5, 2008 - 3:01 PM

Is this site going to be updated?