Bank Deal Summary for December 9, 2006

There were more disappointments this week for savers. First, E-LOAN dropped the rate on its savings account. At least the new rate is still very competitive at 5.38% APY for all balances. Most of the other savings account rates are holding with some minor changes. Looks like competition may be helping. UFB Direct raised the rate on its no-minimum savings account from 5.28% to 5.32% APY which just beats out the new iGoBanking for the top no-minimum savings account. For those with over $25K, a new online savings account at Gloucester County FSB may be the best savings account deal. It's a tiered account with a top rate of 5.61% APY for balances over $25K. Please see this post for more info.

Unlike savings account rates which are generally holding, CD rates continue to fall with the largest drops continuing to be on long-term rates. Rates fell this week at UFB Direct, Countrywide, Mutual Bank, ETrade, La Jolla, AmTrustDirect and GMAC Bank. The yield curve continues to grow more inverted. An example includes Countrywide which increased its 3-month CD rate to 5.50% APY but also decreased its 3-to-7-year CD rates from 5% to 4.80% APY. ETrade is almost as inverted with a 5.30% APY 6-month CD and a 4.80% APY CD for terms of 2 to 5 years.

The best CD rates now are mostly from credit unions. Note, the main lists below include only credit unions with national availability. All except Navy FCU can be joined via membership into an organization with a small one-time fee. Out of the top nine institutions with 5-year CD's at or over 5.30% APY, only two are banks.

Many may be hoping for a 6% long-term CD at Penfed. They do have a history of offering a very high yield long term CD around the start of the New Year. At the start of this year, Penfed offered a 6% 7-year CD and a 5.75% 5-year CD (see post). At the time the best 5-year CD rates were only around 5.15%.

For local deals, Chartway Credit Union has started back up a new CD promo that's almost as good as what they offered last summer. It's a 7% APY 7-month CD with a cap of $7K. New members are allowed one of these. However, current members must refer a new member to be eligible for this CD. Up to three of these $7K CD's can be opened with 3 new member referrals. Chartway is a large credit union with branches in several states. Please see my post for more info or to request a referral.

There are still several local credit unions and banks in which you can get 6-percent-plus CD's. If you're lucky, you'll find one in which you are eligible to join. For a complete list of these recent local CD deals, refer to my local CD list below. Remember that many of these deals don't last long. Please check if the rate is still active at the bank or credit union's website. If you see that a deal has ended, a comment is much appreciated.

Thanks to all who have helped by leaving comments or sending emails on rate updates. Sorry I can't post on all of your suggestions.

The rates listed below are based on Annual Percentage Yield (APY). No minimum balances are required unless noted. MMA next to the rates indicate a money market account. Most MMAs have check writing and ATM cards. Online savings accounts usually lack both of these. The top lists include banks and credit unions with broad availability and with minimums around $10K or less. Previous weekly summaries are available for Dec 2nd, Nov 25th, Nov 18th, Nov 11th, Nov 4th and Oct 28th.

As of December 9, 2006

Savings Accounts/Money Market Accounts:

• Superior Savings - 5.50% MMA ($10K min), my post
• E-LOAN - 5.38% ($5K min), my post
• BankUnited - 5.35% (min $5K), my post
• UFB Direct - 5.32%, my post
• iGobanking - 5.30%, my post
• Zions Bank - 5.30% MMA (min $1K) (5.34% $50K+), my post
• AmTrustDirect - 5.30% ($1K min), my post
• Apple Bank - 5.27%, my post ($25 bonus)
• WTDirect - 5.26% ($10K min), my post
• AmboyDirect - 5.25% (5.35% for $20K+), my post ($25 bonus)
• OneUnited - 5.25% (min $10), my post
• GMAC Bank - 5.25% MMA (min $500), my post
• Presidential - 5.25% (min $5K, only first $35K receives this rate), offers 4.50% checking, my post
• Countrywide - 5.25% (min $10K), (5.30% $50K+) my post
• FirstFedDirect - 5.16% (min $1K) (closed to CA residents), my post
• UmbrellaBank.com - 5.10% MMA (min $1K) (5.15% $5K+), offers checking, my post
• MyBankingDirect - 5.10% MMA (min $5K), my post
• Mutual Bank - 5.10% MMA (min $5K), my post
• EmigrantDirect - 5.05%, my post, (rate history)
• HSBC Direct - 5.05%, offers checking (see $25 bonus post), my post
• ETrade Bank - 5.05%, my post ($50 bonus)
• Discover Bank - 5.05% MMA (min $10K)
• CapitalOne/Costco - 5.01% MMA (min $5K, Costco members only, $25 deal for exec. members)
• Citibank - 5.00%, requires checking account, my post
• Washington Mutual - 5.00% (requires checking), my post
• Corus Bank - 4.98% MMA (min $10K to open)
• Tennessee Commerce Bank - 4.93% (min $10K), my post
• CapitalOne - 4.80% (MMA has same rate, but with checks and ATM. $100 min.), my post
• Self-Help Credit Union - 4.71% MMA (min $500), my post
• VirtualBank - 4.60% (min $100), (4.86% $50K+/ 5.13% $100K+) offers checking, my post ($20 bonus)
• ING Direct - 4.50%, my post ($25 bonus), (rate history)
• GE Money - 4.50% (min $4K), (5.05% for $15K+), my post ($25 bonus)
• EverBank - 4.41% ($1.5K min), 6.01% 3-mo promo, my post
• MetLife Bank - 4.40% MMA (min $5K), my post ($50 bonus)
• Imperial Capital - 4.20% MMA ($2.5K min), offers free checking, my post
• ebank - 4.00% MMA ($1K min, rate for $10K-25K balance), offers checking
• NetBank - 3.66% MMA ($500 min), requires checking, my post ($250 deal)

3-Month Certificates of Deposit:

• EverBank - 6.01% ($1.5K min), checking account promo, see post
• Countrywide - 5.50% (min $10K), my post
• IndyMac Bank - 5.45% (min $5K), my post
• World Savings - 5.45% (4 months) (min $10K), my post
• VirtualBank - 5.44% (min $10K), my post
• Imperial Capital - 5.35%, ($2K min), my post
• UFB Direct - 5.30% (min $8K)
• FirstFedDirect - 5.26% (min $10K), my post
• GMAC Bank - 5.15% (min $500), my post
• UmbrellaBank.com - 5.10% (min $1K)
• Charles Schwab - 5.09% (min $1K), my post
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• ETrade Bank - 5.00% (min $1K), my post
• Corus Bank - 4.98% (min $10K)
• Self-Help Credit Union - 4.97% (min $500), my post

6-Month Certificates of Deposit:

• NASA FCU - 5.80% (7 months) (min $15K), my post
• Merrill Lynch - 5.65% (min $25K), my post
• Superior Savings - 5.60% (min $500)
• AmTrustDirect - 5.51% (min $1K) my post
• IndyMac Bank - 5.50% (min $5K), my post
• FirstFedDirect - 5.46% (min $10K), my post
• BankUnited - 5.45% ($1K min)
• Corus Bank - 5.42% (min $10K)
• VirtualBank - 5.39% (min $10K), my post
• Imperial Capital - 5.35%, ($2K min), my post
• World Savings - 5.35% (7 months) (min $10K), branch-only, my post
• Countrywide - 5.30% (min $10K), my post
• ETrade Bank - 5.30% (min $1K), my post
• UFB Direct - 5.30% (min $8K)
• Self-Help Credit Union - 5.20% (min $500), my post
• EmigrantDirect - 5.20% (min $1K)
• NetBank - 5.20% (min $1K)
• UmbrellaBank.com - 5.20% (min $1K)
• GMAC Bank - 5.15% (min $500), my post
• EverBank - 5.15% ($1.5K min)
• E-LOAN - 5.15% ($10K min), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• ING Direct - 5.00%, my post
• Wells Fargo - 4.90% (5 months) (min $5K), rate and min vary by state, my post

9-Month Certificates of Deposit:

• Patelco Credit Union - 5.75% ($1K min) (8 months), not NCUA insured, my post
• AmTrustDirect - 5.51% (min $1K) my post
• FirstFedDirect - 5.41% (min $10K), my post
• UmbrellaBank.com - 5.35% (min $1K)
• Imperial Capital - 5.32% ($2K min), my post
• VirtualBank - 5.28% (min $10K), my post
• IndyMac Bank - 5.25% (min $5K), my post
• EmigrantDirect - 5.20% (min $1K)
• Countrywide - 5.20% (min $10K), my post
• GMAC Bank - 5.15% (min $500), my post
• EverBank - 5.05% ($1.5K min)
• ING Direct - 5.05%, my post
• Washington Mutual - 5.00% (min $1K)

12-Month Certificates of Deposit:

• GTE FCU - 5.64% (min $500) (add-on feature) my post
• Digital CU - 5.50% (13 month) (min $500), my post
• Corus Bank - 5.42% (min $10K)
• AmTrustDirect - 5.41% (min $1K) my post
• La Jolla Bank - 5.40% (min $10K), my post
• UmbrellaBank.com - 5.40% (min $1K)
• FirstFedDirect - 5.35%, (min $10K) my post
• Imperial Capital - 5.30% ($2K min), my post
• IndyMac Bank - 5.30% (min $5K), my post
• Transportation Alliance Bank - 5.27% ($1K min)
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• EverBank - 5.25% ($1.5K min)
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• EmigrantDirect - 5.20% (min $1K)
• UFB Direct - 5.20% (min $8K)
• GMAC Bank - 5.15% (min $500), my post
• VirtualBank - 5.15% (min $10K), my post
• E-LOAN - 5.15% ($10K min), my post
• ING Direct - 5.10%, my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• ETrade Bank - 5.10% (min $1K), my post
• Countrywide - 5.10% (min $10K)
• Melrose CU - 5.09% (min $5K) my post
• Self-Help Credit Union - 5.02% (min $500), my post
• Mutual Bank - 4.80% (min $2.5K) my post

18-Month Certificates of Deposit:

• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• UmbrellaBank.com - 5.25% (min $1K)
• CapitalOne/Costco - 5.16% (min $5K, Costco members only)
• AmTrustDirect - 5.15% (min $1K) my post
• Imperial Capital - 5.15% ($2K min), my post
• GMAC Bank - 5.05% (min $500)
• E-LOAN - 5.05% ($10K min), my post
• ETrade Bank - 5.00% (min $1K), my post
• Countrywide - 5.00% (min $10K)
• Mutual Bank - 4.85% (min $5K) my post

36-Month Certificate of Deposit:

• First State Bank - 5.50% ($1K min), my post
• Fort Belvoir FCU - 5.34% (min $1K), my post
• Pentagon Federal CU - 5.31% (min $1K), my post
• Transportation Alliance Bank - 5.27% ($1K min)
• Agriculture FCU - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• Melrose CU - 5.20% (min $5K) my post
• UmbrellaBank.com - 5.15% (min $1K)
• Mutual Bank - 5.10% (min $5K) my post
• AmTrustDirect - 5.00% (min $1K) my post
• GMAC Bank - 5.00% (min $500)
• Imperial Capital - 5.00% ($2K min), my post
• E-LOAN - 5.00% ($10K min), my post
• Washington Mutual - 4.95% (min $1K), rates vary by state
• ETrade Bank - 4.80% (min $1K), my post
• Countrywide - 4.80% (min $10K)
• Self-Help Credit Union - 4.74% (min $500), my post

48-Month Certificate of Deposit:

• First State Bank - 5.50% ($1K min), my post
• Fort Belvoir FCU - 5.44% (min $1K), my post
• USA FCU - 5.33% (min $1K) my post
• Pentagon Federal CU - 5.32% (min $1K), my post
• Transportation Alliance Bank - 5.27% ($1K min)
• Agriculture FCU - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• Melrose CU - 5.25% (min $5K) my post
• UmbrellaBank.com - 5.15% (min $1K)
• GMAC Bank - 5.00% (min $500)
• E-LOAN - 5.00% ($10K min), my post
• Countrywide - 4.80% (min $10K)
• Self-Help Credit Union - 4.73% (min $500), my post

60-Month Certificate of Deposit:

• Navy FCU - 5.70% ($20K min) restrictions to membership, my post
• Fort Belvoir FCU - 5.60% (min $1K), my post
• Members Credit Union - 5.59% (min $2K), my post
• Agriculture FCU - 5.50% (min $1K), my post
• First State Bank - 5.50% ($1K min), my post
• USA FCU - 5.38% (min $1K) my post
• Presidential Bank - 5.35% (min $1K)
• Pentagon Federal CU - 5.32% (min $1K), my post
• Melrose CU - 5.30% (min $5K) my post
• Transportation Alliance Bank - 5.27% ($1K min)
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• UmbrellaBank.com - 5.15% (min $1K)
• VirtualBank - 5.15% (min $10K), my post
• AmTrustDirect - 5.10% (min $1K) my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• GMAC Bank - 5.00% (min $500)
• E-LOAN - 5.00% ($10K min), my post
• Imperial Capital - 4.95% ($2K min), my post
• ETrade Bank - 4.80% (min $1K), my post
• Countrywide - 4.80% (min $10K)
• Self-Help Credit Union - 4.75% (min $500), my post

84-Month Certificate of Deposit:

• Navy FCU - 6.00% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.32% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• CapitalOne/Costco - 5.16% (min $5K, Costco members only)
• Countrywide - 4.80% (min $10K)

High Rates with Conditions - Open to All

• 10% Savings Account for kids ($500 max)
• 6.01% 3-month intro rate on checking account
• 6.00% 3-month intro rate on Money Market account
• 5.61% Savings Account with $25K+ balance
• 5.45% Money Market Account with $250K initial deposit
• 5.55% Money Market Account with $100K balance / 5.25% Business MMA
• 5.40% Money Market Account with $25K min
• 5.36% Money Market Account at Bank of America with $50K+
• 5.25% Money Market Account with $25K min

Checking and Saving Accounts at Local Banks/Credit Unions

• $250 Checking Account Bonus at South Carolina Federal
• 6.00% Checking Account up to $25k (Arkansas)
• 6.00% Money Market Account Intro Rate in New Jersey
• 5.61% Checking Account up to $25K (AL/TN/MS)
• 5.50% Money Market Account for 3 months (New York)
• 5.25% Checking Account (Florida)
• 5.25% Money Market Account (Utah)
• 5.25% no-min online savings account and $50 Bonus (New York)
• 5.25% low-minimum online savings account (California)
• 5.01% Checking Account (Wisconsin/Illinois)
• 5.00% Checking Account at an Oklahoma Bank (Legacy)
• 4.75% Checking Account (Texas)

CD Specials at Local Credit Unions/Banks Over the Last Two Months

Terms of 60 Months and Over

• 6.33% 60-Month CD at a North Carolina CU (Team and Wheel)
• 6.22% 60-Month CD at a California CU (TFCU)
• 6.18% 60-Month CD at a DC Credit Union (GSA)
• 6.17% 60-Month CD at a Washington State CU (Spokane City)
• 6.05% 60-Month CD at a Ohio CU (TopMark)
• 6.00% 60-Month CD at a Ohio/Kentucky CU (Cinfed)
• 6.00% 60-Month CD at a Texas CU - IRA (Texas FCU)
• 5.98% 60-Month CD at a Texas CU (Coastal Community and Teachers)
• 5.92% 60-Month CD at a South Carolina CU - $50K+ (SAFE FCU)
• 5.91% 60-Month CD at a Texas CU - $50K (Star of Texas)
• 5.90% 60-Month CD at a Nevada CU - $75K (Clark County)
• 5.90% 60-Month CD at a Michigan CU (Schools and Government)
• 5.90% 72-Month CD at a Missouri Bank (Garden City)
• 5.88% 60-Month CD at a Wyoming CU (First Education)
• 5.83% 60-Month CD at a Arizona CU (Honeywell Aerospace)
• 5.82% 60-Month CD at a Texas CU (Austin Telco)
• 5.80% 60-Month CD at a MI/AL/MO CU (Service 1)
• 5.75% 60-Month CD at a Wisconsin Bank (Cashton)
• 5.75% 60-Month CD at a Florida CU (Bay Gulf)
• 5.75% 120-Month CD at a Pennsylvania CU (Diamond)
• 5.75% 60-Month CD at a Pennsylvania CU (Diamond)
• 5.75% 60-Month CD at a Georgia Bank (Piedmont)

Terms of 24 Months to Under 60 Months

• 6.98% 36-Month CD at a California Bank - Variable IRA (Alliance Bank)
• 6.66% 36-Month CD at a Virginia CU (Loudoun)
• 6.43% 36-Month CD at a Alabama CU (Energon)
• 6.25% 36-Month CD at a Illinois CU - Coverdell (First Northern)
• 6.18% 36-Month CD at a Arizona CU - $50K (Arizona Holsum)
• 6.17% 48-Month CD at a Maryland CU (MCT)
• 6.17% 36-Month CD at a Maryland Bank - $100K Min (CommerceFirst)
• 6.17% 48-Month CD at a DC Credit Union (GSA)
• 6.11% 30-Month CD at a California CU (TFCU)
• 6.00% 24-Month CD at a New York CU - $50K Min (Palisades)
• 6.00% 30-Month CD at a Florida CU - $100K (Tropical Financial)
• 6.00% 50-Month CD at a Nevada CU (Greater Nevada)
• 6.00% 24-Month CD at a North Dakota CU (Burlington Northern)
• 5.88% 48-Month CD at a California CU (Butte)
• 5.85% 40-Month CD at a Michigan CU (Schools and Government)
• 5.80% 35-Month CD at a Nevada CU (Greater Nevada)
• 5.75% 30-Month CD at a Ohio CU (CINCO)
• 5.75% 24-Month CD at a Texas CU (Texas Champions)
• 5.75% 36-Month CD at a North Dakota CU (Dakota Plains)
• 5.75% 48-Month CD at a New York CU (Countryside Community)
• 5.75% 36-Month CD at a Oregon CU (NW Preferred)
• 5.75% 50-Month CD at a Ohio CU (AP FCU)
• 5.70% 30-Month CD at a Maryland Bank (Howard)

Terms of 12 Months to Under 24 Months

• 10.00% 12-Month CD at a Florida Bank - $1K Max (Atlantic Coast)
• 10.00% 12-Month CD at a New York CU - $2K Max (Palisades)
• 6.35% 15-Month CD at a California CU (Alisos)
• 6.07% 13-Month CD at a LA Credit Union (Financial Partners)
• 6.00% 14-Month CD at a New Mexico CU - $100K (Kirtland)
• 6.00% 13-Month CD at a Texas CU (Air Force)
• 6.00% 12-Month CD at a Texas CU (Dallas)
• 6.00% 12-Month CD at a Montana CU (Lincoln County)
• 6.00% 12-Month CD at a Dallas Bank - $125k min (ViewPoint)
• 6.00% 15-Month CD at a TX/CO Credit Union (Security Service)
• 6.00% 12-Month CD at a California CU (Ventura County)
• 5.95% 12-Month CD at a Georgia Bank (Patriot Bank)
• 5.90% 23-Month CD at a Minnesota CU (Honeywell)
• 5.88% 18-Month CD at a Multi-State CU (Chartway FCU)
• 5.80% 12-Month CD at a Florida Bank (Freedom Bank)
• 5.75% 13-Month CD at a Michigan CU (Hometown Community)
• 5.75% 20-Month CD at a Illinois CU - Open To All (Consumers)
• 5.75% 15-Month CD at a Georgia Bank (First Georgia Community)
• 5.75% 13-Month CD at a California CU - $90K (LBS Financial)
• 5.75% 18-Month CD at a Miami CU (MPS)
• 5.75% 18-Month CD at a New York Bank (Park Avenue)
• 5.75% 12-Month CD at a California Credit Union (LA Times FCU)
• 5.75% 21-Month CD at a Indiana CU (Afena)
• 5.75% 12-Month CD at a Houston CU (Right Choice)
• 5.75% 12-Month CD at a North Dakota CU (Northern Tier)
• 5.75% 12-Month CD at a Georgia Bank (Piedmont)
• 5.75% 12-Month CD at a California Bank (Temecula Valley)
• 5.70% 23-Month CD at a California Bank - IRA (Mid-State)
• 5.70% 12-Month CD at a California Bank - IRA (Mid-State)
• 5.70% 12-Month CD at a New York CU (Countryside Community)
• 5.65% 12-Month CD at a California Bank (Western Financial)

Terms of Under 12 Months

• 10.00% 6-Month CD at a Indiana/Michigan/Georgia Bank - $2.5K Max (Flagstar)
• 10.00% 10-Month CD at a Philadelphia CU - $1K Max (American Heritage)
• 10.00% 10-Month CD at a Texas CU - $2.5K Max (Alamo FCU)
• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 8.30% 8-Month CD at a Arizona CU - $8K Max (Arizona Holsum)
• 7.55% 3-Month CD at a California CU - $50K Max (Health Associates)
• 7.00% 7-Month CD at a Multi-State CU (Chartway FCU)
• 6.30% 11-Month CD at a Maryland/DC/Philly CU (FedChoice)
• 6.14% 6-Month CD at a Ohio CU (Maumee Valley)
• 6.03% 6-Month CD at a Oregon CU (Clackamas Community)
• 6.00% 4-Month CD at a Michigan CU (Huron River Area)
• 6.00% 6-Month CD at a Missouri CU (American Eagle)
• 6.00% 9-Month CD at a Florida CU (Florida Telco)
• 6.00% 7-Month CD at a Connecticut CU (Dutch Point)
• 6.00% 7-Month CD at a North Dakota CU (North Star)
• 6.00% 6-Month CD at a Ohio CU (Toledo Area)
• 6.00% 6-Month CD at a New Jersey CU (Atlantic Health)
• 6.00% 3-Month CD at a New York CU (Advantage)
• 6.00% 6-Month CD at a Michigan CU (Huron River Area)
• 6.00% 5-Month CD at a Arizona Bank (Arizona Bank and Trust)
• 6.00% 6-Month CD at a Illinois/New Jersey/Indiana CU (Selfreliance)
• 6.00% 3-Month CD at a California CU (Meriwest)
• 6.00% 6-Month CD at a Ohio CU (Sharefax)
• 6.00% 6-Month CD at a Nevada CU (Moapa Valley)
• 6.00% 6-Month CD at a Georgia CU and $55 Checking Bonus (LGE FCU)
• 5.88% 11-Month CD at a Illinois CU (Jeff-Co Schools)
• 5.83% 7-Month CD at a Washington DC CU (Interior FCU)
• 5.75% 3-Month CD at a FL/TX/NY Bank (Commercebank)
• 5.75% 11-Month CD at a TX/AZ CU (TruWest)
• 5.75% 7-Month CD at a TX/AZ CU (TruWest)
• 5.75% 7-Month CD at a Florida CU (Eastern Financial)
• 5.75% 9-Month CD at a Rhode Island CU (Wave)
• 5.75% 7-Month CD at a Oregon CU (SELCO)
• 5.75% 6-Month CD at a New York Bank (Park Avenue)
• 5.75% 6-Month CD at a New York Bank (Trustco)
• 5.75% 5-Month CD at a California/North Caralina CU (Alliance)
• 5.75% 6-Month CD at a California Bank (Temecula Valley)
• 5.75% 7-Month CD at a South Carolina CU (Palmetto Citizens)
• 5.75% 6-Month CD at a Illinois Bank (Town Center Bank)
• 5.70% 11-Month CD at a Oregon CU and $100 Checking Bonus (Advantis)
• 5.65% 7-Month CD at a California Bank (First Private)
• 5.60% 7-Month CD at a Illinois Bank (Prairie Bank and Trust Co.)

Savings Account/CD Alternatives

• Money Magazine article on risk-free investments
• Fidelity Money Market Fund - 4.99% 7-day yield ($100 bonus and other info)
• Paypal Money Market Fund - 5.03% 7-day yield (1% cashback debit MasterCard)
• FW Thread on Treasury Bills
• I Bond Rate Starting Nov 2006, I Bond Article, I Bonds as CD Alternatives
• SmartMoney Brokerage Survey