Bank Deals Weekly Summary for March 29, 2008
Mar 29, 2008 - 12:01 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
Two more online banks that were offering 4%+ savings accounts made large cuts this week. Provident Direct cut its savings account rate from 4.50% to 3.75% APY, and ShoreBank cut its rate from 4.15% to 3.30% APY. Some of the other banks that cut their online savings account rates this week include WaMu, E-LOAN, Zions, UmbrellaBank and AmboyDirect. E-LOAN's online savings account rate is now at 2.75% APY which is the same as the rate at EmigrantDirect. Both are 25 basis points under ING Direct's Orange Savings rate. ING will probably do another cut soon, but it's interesting to see ING Direct being on top of these two banks which had a history of being rate leaders.
Alliant Credit Union is now the savings account rate leader with a yield of 4.35% APY (see post). Indymac Bank added another savings account called E-Money Market which has a yield of 4.05% APY for balances over $1,000. It looks like it's intended to be a competitor to Countrywide's savingslink account which still has a 4.05% APY for balances over $10,000. As I mentioned in this review post, this new Indymac account reminds me of their Internet First Rate Money Market Account. This had a top yield of 5.75% APY for balances over $25K back in August. Its top yield is now 4% APY which isn't too bad in today's rate environment, but the top yield now requires a balance of $75K.
I added two more online savings accounts this week. One is an online money market account offered by Nationwide Bank. It's offering a money market account with a yield of 3.90% APY. It has check writing and an ACH transfer service (their ACH has been reported to be very slow). I have my doubts that Nationwide will keep the rates near the top. Other insurance companies like State Farm and MetLife haven't done a good job at maintaining high rates on their online savings accounts (see post).
I also reported on the online savings account at Beverly National Bank. I did an account review on Monday, and I was hoping to include this as another 4% savings account. But the rate was just cut to 3.75% APY. It's still a competitive rate, but it requires a $5K minimum deposit and lacks an ACH transfer service.
Long-Term CD Deals
Like savings account rates, CD rates generally fell this week. However, there were some banks that raised their CD rates. Most tended to be for the longer terms. Examples include Capital One, GMAC, Transportation Alliance, E-LOAN, Bank of Internet and Navy FCU.
Capital One is now offering 5% APY on its 7 and 10 year terms. Its 4 and 5-year CD rates are also very competitive at 4.25% and 4.30% APY.
Ascencia Bank came out with a competitive long term CD rate of 3.97% APY for terms of 30 months and longer. I just added its long term CDs to my lists below. I've excluded these in the past since they've never been competitive.
Navy Federal Credit Union lowered its short-term CD rates this week, but it raised the rates on its terms of 48 months and longer. The 5-year yield is up to 4.90% APY and the 7-year yield is up to 5.00% APY. Unfortunately, membership is limited to those connected to the Navy.
National City Bank has once again extended its 5% 48-month CD special (see post).
Short-Term CD Deals
GMAC Bank increased the yield of its 12-month CD from 3.60% to 3.90% APY. Except for Countrywide and Indymac, this is the highest 12-month yield for a bank.
Two credit unions continue to offer the best short term CD deals. Alliant Credit Union is still offering the best CD rate for a 12-month term. This requires a $25,000 minimum deposit (see account review). Xerox Federal Credit Union has been offering its 5% APY 5-month CD special since February. This has a $500 minimum, and a maximum deposit of $25,000. A reader commented in my account review that it's scheduled to end on April 15th.
I posted on a great local deal this week at Andrews Federal Credit Union. It's offering a special 5.25% APY 15-month CD. Anyone in Washington DC can qualify for membership (see post).
Reward Checking Update and a Review of its Future
Reward checking accounts continue to maintain their rates better than online savings accounts. My nationwide reward checking list continues to have six 6% accounts. There are also many more local reward checking accounts that are still at around 6%. I reported on a new one this week at 6.10% (see below). Most of these limit the top yields to balances under $25,000.
I've been happy to see many reward checking account rates holding up in this rate environment. It gives savers another high yield alternative. Yes, it requires extra hassles, but it still gives people more choices. I look at it like a mail-in rebate for some product you buy at a store. The manufacturers expect that a significant percentage of buyers won't go through the hassles of mailing in the rebate. Customers who value their savings, go through the extra work.
I noticed something today that could give some insights into the future of reward checking. Presidential Bank has been offering an internet checking account called Checking Plus for the last 10 years. As you can see from Presidential's home page, its rates have been competitive for the last 10 years, but currently it's only 2.10% APY on the first $25K balance (1.75% for above). It also requires direct deposit. Sound familiar? However, it doesn't have debit card usage requirements, and it provides paper statements. So it would seem difficult for banks to offer checking account yields too much higher than what Presidential offers. The added debit card usage requirement may help, but it's hard to imagine it could help too much. Banks that limit the accounts locally may have a better chance to keep rates high since more average bank customers may sign up. Average bank customers will likely keep their balances far below the caps, will use the debit cards for many large purchases, and will be more likely to have overdrafts.
Rates will likely continue to fall so please check with the institutions to make sure the rates that I've posted are still available. If they're not, please leave a comment.
Recap for the Week
Savings Accounts - National
CD Deals - National
Checking/Savings Account Bonuses
Reward Checking Accounts
CD and Money Market Deals - Local
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 Mar 22nd, Mar 15th, Mar 8th, Mar 1st, Feb 23rd, Feb 16th, Feb 9th, Feb 2nd and Jan 26th.
Quick Links: Refer to the following links for the savings accounts and CDs that interest you: Liquid Account Rates: Savings Accounts, Special rates, Local checking/savings, Bank alternatives CD Rates: 3 Mo CDs, 6 Mo CDs, 9 Mo CDs, 12 Mo CDs, 18 Mo CDs, 24 Mo CDs, 36 Mo CDs, 48 Mo CDs, 60 Mo CDs, 84 Mo CDs, CDs by state Comments: read and discuss
As of March 29, 2008
Checking/Savings/Money Market Accounts:
3-Month Certificates of Deposit:
6-Month Certificates of Deposit:
9-Month Certificates of Deposit:
12-Month Certificates of Deposit:
18-Month Certificates of Deposit:
24-Month Certificates of Deposit:
36-Month Certificate of Deposit:
48-Month Certificate of Deposit:
60-Month Certificate of Deposit:
84-Month Certificate of Deposit:
High Yield Reward Checking Accounts - Open to All
Checking and Saving Accounts at Local Banks/Credit Unions
CD Specials at Local Credit Unions/Banks Over the Last Month
Terms of 60 Months and Over
Terms of 24 Months to Under 60 Months
Terms of 12 Months to Under 24 Months
Terms of Under 12 Months
Bank Account Alternatives
Historical Rates from the Federal Reserve (Federal funds, Treasury bills, CD's)
Two more online banks that were offering 4%+ savings accounts made large cuts this week. Provident Direct cut its savings account rate from 4.50% to 3.75% APY, and ShoreBank cut its rate from 4.15% to 3.30% APY. Some of the other banks that cut their online savings account rates this week include WaMu, E-LOAN, Zions, UmbrellaBank and AmboyDirect. E-LOAN's online savings account rate is now at 2.75% APY which is the same as the rate at EmigrantDirect. Both are 25 basis points under ING Direct's Orange Savings rate. ING will probably do another cut soon, but it's interesting to see ING Direct being on top of these two banks which had a history of being rate leaders.
Alliant Credit Union is now the savings account rate leader with a yield of 4.35% APY (see post). Indymac Bank added another savings account called E-Money Market which has a yield of 4.05% APY for balances over $1,000. It looks like it's intended to be a competitor to Countrywide's savingslink account which still has a 4.05% APY for balances over $10,000. As I mentioned in this review post, this new Indymac account reminds me of their Internet First Rate Money Market Account. This had a top yield of 5.75% APY for balances over $25K back in August. Its top yield is now 4% APY which isn't too bad in today's rate environment, but the top yield now requires a balance of $75K.
I added two more online savings accounts this week. One is an online money market account offered by Nationwide Bank. It's offering a money market account with a yield of 3.90% APY. It has check writing and an ACH transfer service (their ACH has been reported to be very slow). I have my doubts that Nationwide will keep the rates near the top. Other insurance companies like State Farm and MetLife haven't done a good job at maintaining high rates on their online savings accounts (see post).
I also reported on the online savings account at Beverly National Bank. I did an account review on Monday, and I was hoping to include this as another 4% savings account. But the rate was just cut to 3.75% APY. It's still a competitive rate, but it requires a $5K minimum deposit and lacks an ACH transfer service.
Long-Term CD Deals
Like savings account rates, CD rates generally fell this week. However, there were some banks that raised their CD rates. Most tended to be for the longer terms. Examples include Capital One, GMAC, Transportation Alliance, E-LOAN, Bank of Internet and Navy FCU.
Capital One is now offering 5% APY on its 7 and 10 year terms. Its 4 and 5-year CD rates are also very competitive at 4.25% and 4.30% APY.
Ascencia Bank came out with a competitive long term CD rate of 3.97% APY for terms of 30 months and longer. I just added its long term CDs to my lists below. I've excluded these in the past since they've never been competitive.
Navy Federal Credit Union lowered its short-term CD rates this week, but it raised the rates on its terms of 48 months and longer. The 5-year yield is up to 4.90% APY and the 7-year yield is up to 5.00% APY. Unfortunately, membership is limited to those connected to the Navy.
National City Bank has once again extended its 5% 48-month CD special (see post).
Short-Term CD Deals
GMAC Bank increased the yield of its 12-month CD from 3.60% to 3.90% APY. Except for Countrywide and Indymac, this is the highest 12-month yield for a bank.
Two credit unions continue to offer the best short term CD deals. Alliant Credit Union is still offering the best CD rate for a 12-month term. This requires a $25,000 minimum deposit (see account review). Xerox Federal Credit Union has been offering its 5% APY 5-month CD special since February. This has a $500 minimum, and a maximum deposit of $25,000. A reader commented in my account review that it's scheduled to end on April 15th.
I posted on a great local deal this week at Andrews Federal Credit Union. It's offering a special 5.25% APY 15-month CD. Anyone in Washington DC can qualify for membership (see post).
Reward Checking Update and a Review of its Future
Reward checking accounts continue to maintain their rates better than online savings accounts. My nationwide reward checking list continues to have six 6% accounts. There are also many more local reward checking accounts that are still at around 6%. I reported on a new one this week at 6.10% (see below). Most of these limit the top yields to balances under $25,000.
I've been happy to see many reward checking account rates holding up in this rate environment. It gives savers another high yield alternative. Yes, it requires extra hassles, but it still gives people more choices. I look at it like a mail-in rebate for some product you buy at a store. The manufacturers expect that a significant percentage of buyers won't go through the hassles of mailing in the rebate. Customers who value their savings, go through the extra work.
I noticed something today that could give some insights into the future of reward checking. Presidential Bank has been offering an internet checking account called Checking Plus for the last 10 years. As you can see from Presidential's home page, its rates have been competitive for the last 10 years, but currently it's only 2.10% APY on the first $25K balance (1.75% for above). It also requires direct deposit. Sound familiar? However, it doesn't have debit card usage requirements, and it provides paper statements. So it would seem difficult for banks to offer checking account yields too much higher than what Presidential offers. The added debit card usage requirement may help, but it's hard to imagine it could help too much. Banks that limit the accounts locally may have a better chance to keep rates high since more average bank customers may sign up. Average bank customers will likely keep their balances far below the caps, will use the debit cards for many large purchases, and will be more likely to have overdrafts.
Rates will likely continue to fall so please check with the institutions to make sure the rates that I've posted are still available. If they're not, please leave a comment.
Recap for the Week
Savings Accounts - National
- More Savings Account Rate Cuts - Provident, Zions, WaMu and Others
- Indymac Bank's High Yield E-Money Market Account
- High Yield Online Money Market Account at Nationwide Bank
- 4.00% Online Savings Account at Beverly National Bank - DOWN TO 3.75%
CD Deals - National
- National City CD Promotion Extanded Again
- 3.90% 12-Month Online CD at GMAC Bank
- Top Long-Term CD Rates at Ascencia Bank
- 5% 48-Month / 4% 24-Month CD Special Extended Again at National City
Checking/Savings Account Bonuses
- Update on Patelco Credit Union Deals - Checking Bonus, New Member 7% CD ($1K Max) and Others
- $25 Bonus for FNBO Direct's BillPay Account
Reward Checking Accounts
- 6.10% Reward Checking Account at an Illinois Bank (Crossroads)
- 4.75% Reward Checking Account in New York State (Tioga State Bank)
- 5.01% Reward Checking Account at a MA/NH Credit Union (Workers)
- 5.01% Reward Checking Account at Vermont Federal Credit Union
CD and Money Market Deals - Local
- 3.75% 9-Month CD at Wachovia in California - Lower Rates in Other States
- 5.02% 12-Month CD at a Pennsylvania CU - IRA (Philadelphia)
- 4.50% 40-Month / 4.00% 4-Month CD at a Maine CU - No Early Withdrawal Penalty (Penobscot)
- 4.15% 12-Month CD at a Florida Bank (Panther Community)
- 4.82% 24-Month / 4.52% 12-Month CD at a California CU (Mission City)
- 4.25% 9-Month / 4.00% 27-Month CD at a North Carolina CU (Summit)
- 4.55% 12-Month / 4.55% 24-Month CD at a California CU (Schools)
- 4.00% Money Market Account Promotion at Compass Bank in Texas - DOWN TO 3.60% NOW
- 4.25% 5-Month CD at a New Jersey Bank - and $100 Checking Bonus (OceanFirst)
- 4.60% 24-Month / 4.08% 12-Month CD at a California CU - up to 4.91% (Los Angeles) RATES HAVE DROPPED
- 5.25% 15-Month / 4.95% 7-Month CD at a MD/NJ/DC Credit Union (Andrews)
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 Mar 22nd, Mar 15th, Mar 8th, Mar 1st, Feb 23rd, Feb 16th, Feb 9th, Feb 2nd and Jan 26th.
Quick Links: Refer to the following links for the savings accounts and CDs that interest you: Liquid Account Rates: Savings Accounts, Special rates, Local checking/savings, Bank alternatives CD Rates: 3 Mo CDs, 6 Mo CDs, 9 Mo CDs, 12 Mo CDs, 18 Mo CDs, 24 Mo CDs, 36 Mo CDs, 48 Mo CDs, 60 Mo CDs, 84 Mo CDs, CDs by state Comments: read and discuss
As of March 29, 2008
Checking/Savings/Money Market Accounts:
- Checking/Savings Account Bonuses
- The Best Checking Accounts - Including Reward Checking
- Latest CD and Savings Account Deals with No Major Deposit Limitiations
- Alliant Credit Union - 4.35% (min $100) account review
- Indymac Bank - 4.05% (E-Money Market) (min $1K) account review
- Countrywide - 4.05% (min $10K), account review
- Century Bank Direct - 4.01% (min $100), not available in all states account review
- EverBank - 4.01% ($1.5K min), 3mo promo, account review
- OneUnited - 4.00% (min $1K), account review ($50 bonus)
- Corus Bank - 4.00% MMA (min $10K) account review
- Nationwide Bank - 3.90% MMA (min $1K) account review
- Bank of Internet - 3.90% MMA (offers 3.75% checking) account review
- Capital One - 3.85% (Savings) (min $10K)
- UmbrellaBank - 3.75% MMA (min $1K), account review
- Provident Direct - 3.75%, account review
- Beverly National Bank - 3.75% (min $5K) account review
- Flagstar - 3.65% MMA, account review
- Amboy Direct - 3.56% (min $3K) (eSavings) account review
- Melrose CU - 3.55% (min $25) account review
- EverBank - 3.51% ($1.5K min) account review
- Savings Square - 3.50%, account review
- ETrade Bank - 3.45%, post ($25 bonus)
- Zions Bank - 3.41% MMA, outside of Utah, (min $1K) (3.51% $50K+, 3.57% $100K+), account review
- UFB Direct - 3.35%, account review
- GCF Bank - 3.34% (min $100), 3-mo promo, account review
- WTDirect - 3.31% ($10K min), account review
- CapitalOne/Costco - 3.30% MMA (min $1K, Costco members only, $50 deal for exec. members)
- Washington Mutual - 3.30% (requires checking), account review
- ShoreBank - 3.30%, account review
- iGObanking - 3.28%, account review
- BankUnited - 3.25% (min $5K), account review
- FNBO Direct - 3.25%, account review
- AmTrustDirect - 3.25% (e-Savings) account review
- M&T Bank - 3.25%, account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Citibank - 3.20% (Ultimate Money) requires chking & bill pay, account review
- Rainier Pacific - 3.10% MMA account review
- Capital One - 3.10% MMA, account review
- HSBC Direct - 3.05%, account review
- Heartland Bank Direct - 3.05%, ($500 min), account review
- AmboyDirect - 3.05% (Premium Savings) post ($25 bonus)
- Discover Bank - 3.04% MMA (min $2.5K) (3.14% for $50K+) account & bonus review
- Charles Schwab - 3.01% Checking, account review
- FirstFedDirect - 3.01% (min $1K) (closed to CA residents), account review
- ING Direct - 3.00%, (1.75% checking), post ($25 bonus)
- Indymac Bank - 3.00% MMA (min $25K) (4.00% $75K+) account review
- Transportation Alliance Bank - 3.00%, ($25 min), account review
- GMAC Bank - 3.00% MMA (min $500), account review
- Salem Five Direct - 3.00% Checking (3.50% $100K+), account review
- Imperial Capital - 3.00% MMA ($2.5K min) (3.75% for $100K+) account review
- grand yield direct - 3.00% (min $2.5K) account review
- PFF Bank and Trust - 2.90% (min $1K), account review
- Presidential Bank - 2.75% (min $5K, only first $35K receives this rate), offers 2.10% checking, account review
- BancoFortuna.com - 2.75%, account review
- EmigrantDirect - 2.75%, account review
- Mutual Bank - 2.75% MMA (min $5K), account review
- E-LOAN - 2.75% ($5K min), account review
- KeyDirect - 2.75% MMA (min $50), Not all states, account review
- Direct Huntington - 2.70% ($10K min) (3.00% $100K+), account review
- UnivestDirect - 2.70%, (1.80% checking), account review
- MetLife Bank - 2.60% MMA (min $5K), post ($50 bonus)
- MyBankingDirect - 2.50% MMA (min $5K), account review
- AmTrustDirect - 2.50% (e-Money Market) (2.75% $25K+, 3.00% $50K+) account review
- Bank of America NEA - 2.45% MMA ($10K min) (2.70% for $50K+) account review
- VirtualBank - 2.28% (min $100), (3.05% $50K+/ 3.30% $100K+) offers checking, post ($20 bonus)
- Bank of America DoW - 2.20% MMA (min $10K) (2.46% for $50K+), account review
- Self-Help Credit Union - 2.11% MMA (min $500), account review
- ebank - 2.00% MMA ($10K min) (3.00% for $100K+), account review
- Tennessee Commerce Bank - 1.50% (min $10K), account review
- NewBank - 1.00% Checking, post ($50 bonus)
3-Month Certificates of Deposit:
- UmbrellaBank - 3.55% (min $1K)
- GMAC Bank - 3.50% (min $500), account review
- Imperial Capital - 3.50%, ($2K min), account review
- VirtualBank - 3.25% (min $10K), account review
- Countrywide - 3.25% (min $10K), account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- EverBank - 3.00% ($1.5K min)
- FirstFedDirect - 2.95% (min $10K), account review
- National Bank of KC - 2.75% (min $10K), account review
- E-LOAN - 2.75% ($10K min), account review
- Self-Help Credit Union - 2.74% (min $500), account review
- Element Financial - 2.65% (min $10K), account review
- UFB Direct - 2.60% (min $8K)
- IndyMac Bank - 2.60% (min $5K), account review
- ETrade Bank - 2.25% (min $1K), account review
6-Month Certificates of Deposit:
- Xerox FCU - 5.00% (min $500/max $25K) account review
- Corus Bank - 3.75% (min $10K) account review
- Air Academy FCU - 3.70% (min $10K) account review
- NASA FCU - 3.65% (5 mo) (min $5K) account review
- University FCU - 3.60% (min $2.5K), account review
- GMAC Bank - 3.60% (min $500), account review
- UmbrellaBank - 3.60% (min $1K)
- Flagstar - 3.55% (min $500), account review
- CU of Georgia - 3.51% (min $50K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Mountain America CU - 3.40% (min $1K) account review
- Intervest - 3.40% (min $2.5K), account review
- Imperial Capital - 3.40%, ($2K min), account review
- Western FCU - 3.32% (min $40K), account review
- La Jolla Bank - 3.30% (min $10K), account review
- Countrywide - 3.25% (min $10K), account review
- Ascencia Bank - 3.25% (min $500), account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- Northrop Grumman FCU - 3.21% (min $40K), account review
- Tennessee Commerce Bank - 3.20% (min $5K)
- Advanta Bank - 3.20% (min $10K), account review
- EverBank - 3.15% ($1.5K min)
- VirtualBank - 3.05% (min $10K), account review
- FirstFedDirect - 3.01% (min $10K), account review
- Capital One - 3.00% (min $5K)
- E-LOAN - 3.00% ($10K min), account review
- AmboyDirect - 3.00% (7 mo) (min $10K), account review
- Century Bank Direct - 2.95% (5 mo) (min $1K) account review
- Principal Bank - 2.90% (7 mo) (min $5K), account review
- Bank of Internet - 2.83% (min $1K) account review
- National Bank of KC - 2.80% (min $10K), account review
- iGObanking - 2.75% (min $500), account review
- ING Direct - 2.75%, account review
- Element Financial - 2.70% (min $10K), account review
- Self-Help Credit Union - 2.66% (min $500), account review
- Washington Mutual - 2.65% (min $1K), account review
- KeyDirect - 2.50% (min $5K), Not all states, account review
- EmigrantDirect - 2.50% (min $1K)
- IndyMac Bank - 2.50% (min $5K), account review
- AmTrustDirect - 2.50% (min $1K) account review
- ETrade Bank - 2.40% (min $1K), account review
- UFB Direct - 2.35% (min $8K)
- Wells Fargo - 2.25% (5 months) (min $5K), rate and min vary by state, account review
- Lehman Brothers Bank - 2.07% (min $1K)
9-Month Certificates of Deposit:
- GMAC Bank - 3.60% (min $500), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Imperial Capital - 3.45% ($2K min), account review
- UmbrellaBank - 3.40% (min $1K)
- Countrywide - 3.25% (min $10K), account review
- Century Bank Direct - 3.15% (10 mo) (min $1K) account review
- EverBank - 3.15% ($1.5K min)
- FirstFedDirect - 3.01% (min $10K), account review
- Academy Bank - 2.95% (min $500), account review
- Bank of Internet - 2.83% (min $1K) account review
- Element Financial - 2.80% (min $10K), account review
- National Bank of KC - 2.80% (min $10K), account review
- VirtualBank - 2.79% (min $10K), account review
- iGObanking - 2.75% (min $500), account review
- EmigrantDirect - 2.50% (min $1K)
- ING Direct - 2.50% (new money), account review
- IndyMac Bank - 2.40% (min $5K), account review
- AmTrustDirect - 2.00% (min $1K) account review
12-Month Certificates of Deposit:
- Alliant Credit Union - 4.40% (min $25K) account review
- Countrywide - 4.20% (min $10K), account review
- IndyMac Bank - 4.15% (min $5K), account review
- University FCU - 3.95% (min $2.5K), account review
- GMAC Bank - 3.90% (min $500), account review
- Air Academy FCU - 3.90% (min $10K) account review
- Delta Community CU - 3.75% (min $1K) account review
- Zopa - 3.75% (min $500) account review
- Pacific Mercantile Bank - 3.66% (min $10K) account review
- Transportation Alliance Bank - 3.61% ($1K min)
- CU of Georgia - 3.61% (min $50K), account review
- Advanta Bank - 3.60% (min $10K), account review
- Melrose CU - 3.55% (min $5K) account review
- Air Force FCU - 3.55% (min $25K) restrictions to membership, account review
- Corus Bank - 3.50% (min $10K) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Mountain America CU - 3.49% (min $1K) account review
- Western FCU - 3.49% (min $40K), account review
- Intervest - 3.43% (min $2.5K), account review
- Flagstar - 3.40% (min $500), account review
- First State Bank - 3.40% ($1K min), account review
- Northrop Grumman FCU - 3.40% (min $40K), account review
- UmbrellaBank - 3.40% (min $1K)
- Navy FCU - 3.40% ($20K min) (3.55% for $100K+) restrictions to membership, account review
- Imperial Capital - 3.40% ($2K min), account review
- La Jolla Bank - 3.35% (min $10K), account review
- Mutual Bank - 3.30% (min $1K) account review
- Tennessee Commerce Bank - 3.30% (min $5K)
- Discover Bank - 3.30% (min $2.5K)
- Capital One - 3.25% (min $5K)
- Huntington - 3.25% (min $2K) account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- Principal Bank - 3.15% (14 mo) (min $5K), account review
- VirtualBank - 3.05% (min $10K), account review
- FirstFedDirect - 3.05%, (min $10K) account review
- Ascencia Bank - 3.01% (min $500), account review
- E-LOAN - 3.00% ($10K min), account review
- Element Financial - 3.00% (min $10K), account review
- National Bank of KC - 3.00% (min $10K), account review
- EverBank - 3.00% ($1.5K min)
- GTE FCU - 2.94% (min $500) account review
- Academy Bank - 2.90% (min $500), account review
- Washington Mutual - 2.85% (min $1K), account review
- iGobanking - 2.75% (min $500), account review
- Apple Bank - 2.75% (min $500) account review
- Bank of Internet - 2.68% (min $1K) account review
- Self-Help Credit Union - 2.54% (min $500), account review
- EmigrantDirect - 2.50% (min $1K)
- ING Direct - 2.50% account review
- NewBank - 2.50% (min $5K), account review
- ETrade Bank - 2.45% (min $1K), account review
- UFB Direct - 2.30% (min $8K)
- H&R Block Bank - 2.25% (min $250) account review
- KeyDirect - 2.25% (min $5K), Not all states, account review
- AmTrustDirect - 2.25% (min $1K) account review
- Lehman Brothers Bank - 2.12% (min $1K)
18-Month Certificates of Deposit:
- Alliant Credit Union - 4.40% (17 mo) (min $25K) account review
- IndyMac Bank - 4.15% (min $5K), account review
- Advanta Bank - 3.66% (min $10K), account review
- GMAC Bank - 3.60% (min $500)
- Mountain America CU - 3.55% (min $1K) account review
- Intervest - 3.45% (min $2.5K), account review
- First State Bank - 3.40% ($1K min), account review
- Flagstar - 3.40% (min $500), account review
- Tennessee Commerce Bank - 3.30% (min $5K)
- Discover Bank - 3.30% (min $2.5K)
- Capital One - 3.25% (min $5K)
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- Doral Bank Direct - 3.25% (min $1K) account review
- Element Financial - 3.05% (min $10K), account review
- Countrywide - 3.00% (min $10K)
- National Bank of KC - 3.00% (min $10K), account review
- EverBank - 3.00% ($1.5K min)
- Academy Bank - 2.85% (min $500) account review
- VirtualBank - 2.79% (min $10K), account review
- iGObanking - 2.75% (min $500) account review
- Bank of Internet - 2.68% (min $1K) account review
- H&R Block Bank - 2.50% (min $250) account review
- EmigrantDirect - 2.50% (min $1K)
- ING Direct - 2.50%, account review
- NewBank - 2.50% (min $5K), account review
- ETrade Bank - 2.45% (min $1K), account review
- AmTrustDirect - 2.25% (min $1K) account review
- Lehman Brothers Bank - 2.17% (min $1K)
24-Month Certificates of Deposit:
- National City Bank - 4.25% (min $10K) not all states, account review
- Alliant Credit Union - 4.15% (min $25K) account review
- Air Academy FCU - 4.10% (min $10K) account review
- University FCU - 4.05% (min $2.5K), account review
- Delta Community CU - 3.90% (min $1K) account review
- GMAC Bank - 3.75% (min $500)
- CU of Georgia - 3.71% (min $50K), account review
- Transportation Alliance Bank - 3.67% ($1K min)
- Advanta Bank - 3.66% (min $10K), account review
- Air Force FCU - 3.65% (min $25K) restrictions to membership, account review
- Mountain America CU - 3.60% (min $1K) account review
- Melrose CU - 3.55% (min $5K) account review
- Navy FCU - 3.55% ($20K min) (3.70% for $100K+) restrictions to membership, account review
- Ascencia Bank - 3.51% (min $500), account review
- Western FCU - 3.48% (min $40K), account review
- Intervest - 3.47% (min $2.5K), account review
- Mutual Bank - 3.40% (min $1K) account review
- Flagstar - 3.35% (min $500), account review
- Northrop Grumman FCU - 3.35% (min $40K), account review
- Discover Bank - 3.35% (min $2.5K)
- Tennessee Commerce Bank - 3.30% (min $5K)
- Capital One - 3.25% (min $5K)
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- E-LOAN - 3.25% ($10K min), account review
- KeyDirect - 3.25% (min $5K),Not all states, account review
- Doral Bank Direct - 3.25% (min $1K) account review
- National Bank of KC - 3.20% (min $10K), account review
- Element Financial - 3.10% (min $10K), account review
- EverBank - 3.10% ($1.5K min)
- Apple Bank - 3.00% (min $500) account review
- Countrywide - 3.00% (min $10K)
- AmTrustDirect - 2.85% (min $1K) account review
- VirtualBank - 2.79% (min $10K), account review
- Bank of Internet - 2.64% (min $1K) account review
- Self-Help Credit Union - 2.55% (min $500), account review
- H&R Block Bank - 2.50% (min $250) account review
- ING Direct - 2.50% account review
- NewBank - 2.50% (min $5K), account review
- UFB Direct - 2.40% (min $8K)
- IndyMac Bank - 2.40% (min $5K), account review
- Lehman Brothers Bank - 2.28% (min $1K)
- Presidential Bank - 2.25% (min $1K)
36-Month Certificate of Deposit:
- Air Academy FCU - 4.30% (min $10K) account review
- University FCU - 4.10% (min $2.5K), account review
- GMAC Bank - 4.00% (min $500)
- Ascencia Bank - 3.97% (min $500), account review
- Transportation Alliance Bank - 3.91% ($1K min)
- Delta Community CU - 3.90% (min $1K) account review
- Melrose CU - 3.80% (min $5K) account review
- Capital One - 3.75% (min $5K)
- Advanta Bank - 3.75% (min $10K), account review
- Agriculture FCU - 3.75% (min $1K), account review
- Pentagon Federal CU - 3.75% (min $1K), account review
- CU of Georgia - 3.71% (min $50K), account review
- Mountain America CU - 3.70% (min $1K) account review
- Air Force FCU - 3.70% (min $25K) restrictions to membership, account review
- Navy FCU - 3.70% ($20K min) (3.80% for $100K+) restrictions to membership, account review
- Discover Bank - 3.61% (min $2.5K)
- Patelco CU - 3.56% ($1K min), account review
- Western FCU - 3.56% (min $40K), account review
- Intervest - 3.55% (min $2.5K), account review
- KeyDirect - 3.50% (min $5K), Not all states, account review
- Mutual Bank - 3.50% (min $1K) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Northrop Grumman FCU - 3.46% (min $40K), account review
- E-LOAN - 3.40% ($10K min), account review
- Flagstar - 3.40% (min $500), account review
- Tennessee Commerce Bank - 3.35% (min $5K)
- National Bank of KC - 3.30% (min $10K), account review
- First State Bank - 3.30% ($1K min), account review
- Element Financial - 3.25% (min $10K), account review
- Principal Bank - 3.20% (33 mo) (min $5K), account review
- EverBank - 3.05% ($1.5K min)
- ebank - 3.00% (min $1K), 3.25% for ePremium checking customers
- Countrywide - 3.00% (min $10K)
- H&R Block Bank - 3.00% (min $250) account review
- Bank of Internet - 2.96% (min $1K) account review
- Self-Help Credit Union - 2.91% (min $500), account review
- IndyMac Bank - 2.80% (min $5K), account review
- VirtualBank - 2.79% (min $10K), account review
- UFB Direct - 2.70% (min $8K)
- EmigrantDirect - 2.50% (min $1K)
- ING Direct - 2.50%, account review
- NewBank - 2.50% (min $5K), account review
- ETrade Bank - 2.45% (min $1K), account review
- Lehman Brothers Bank - 2.38% (min $1K)
- AmTrustDirect - 2.00% (min $1K) account review
48-Month Certificate of Deposit:
- National City Bank - 5.00% (min $10K) not all states, account review
- Air Academy FCU - 4.40% (min $10K) account review
- Capital One - 4.25% (min $5K)
- University FCU - 4.20% (min $2.5K), account review
- Transportation Alliance Bank - 4.11% ($1K min)
- Navy FCU - 4.00% ($20K min) (3.80% for $100K+) restrictions to membership, account review
- Mountain America CU - 4.00% (min $1K) account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- GMAC Bank - 4.00% (min $500)
- Advanta Bank - 3.90% (min $10K), account review
- Agriculture FCU - 3.90% (min $1K), account review
- CU of Georgia - 3.82% (min $50K), account review
- M&T Bank - 3.81% (min $5K) account review
- Melrose CU - 3.80% (min $5K) account review
- Discover Bank - 3.76% (min $2.5K)
- Pentagon Federal CU - 3.75% (min $1K), account review
- E-LOAN - 3.72% ($10K min), account review
- Northrop Grumman FCU - 3.71% (min $40K), account review
- Patelco CU - 3.66% ($1K min), account review
- Flagstar - 3.65% (min $500), account review
- Western FCU - 3.64% (min $40K), account review
- Intervest - 3.60% (min $2.5K), account review
- H&R Block Bank - 3.50% (min $250) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Element Financial - 3.45% (min $10K), account review
- Tennessee Commerce Bank - 3.35% (min $5K)
- USA FCU - 3.35% (min $1K) account review
- National Bank of KC - 3.30% (min $10K), account review
- First State Bank - 3.30% ($1K min), account review
- Bank of Internet - 3.25% (min $1K) account review
- Self-Help Credit Union - 3.23% (min $500), account review
- Washington Mutual - 3.15% (min $1K), account review
- EverBank - 3.10% ($1.5K min)
- IndyMac Bank - 3.05% (min $5K), account review
- ebank - 3.00% (min $1K), 3.25% for ePremium checking customers
- Countrywide - 3.00% (min $10K)
- VirtualBank - 2.79% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
- ING Direct - 2.50%, account review
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- Navy FCU - 4.75% ($20K min) (4.90% for $100K+) restrictions to membership, account review
- Air Academy FCU - 4.50% (min $10K) account review
- Capital One - 4.30% (min $5K)
- University FCU - 4.30% (min $2.5K), account review
- KeyDirect - 4.25% (min $5K), Not all states, account review
- Pentagon Federal CU - 4.25% (min $1K), account review
- Transportation Alliance Bank - 4.17% ($1K min)
- GMAC Bank - 4.15% (min $500)
- M&T Bank - 4.10% (min $5K) account review
- Mountain America CU - 4.09% (min $1K) account review
- Melrose CU - 4.06% (min $5K) account review
- Northrop Grumman FCU - 4.01% (min $40K), account review
- Advanta Bank - 4.00% (min $10K), account review
- Delta Community CU - 4.00% (min $1K) account review
- Agriculture FCU - 4.00% (min $1K), account review
- Ascencia Bank - 3.97% (min $500), account review
- Discover Bank - 3.87% (min $2.5K)
- iGobanking - 3.86% (min $500), account review
- E-LOAN - 3.85% ($10K min), account review
- Air Force FCU - 3.85% (min $25K) restrictions to membership, account review
- Western FCU - 3.84% (min $40K) account review
- Patelco CU - 3.82% ($1K min), account review
- CU of Georgia - 3.82% (min $50K), account review
- Flagstar - 3.80% (min $500), account review
- Intervest - 3.80% (min $2.5K), account review
- EverBank - 3.66% ($1.5K min)
- USA FCU - 3.56% (min $1K) account review
- Self-Help Credit Union - 3.51% (min $500), account review
- Element Financial - 3.51% (min $10K), account review
- Telcom Credit Union - 3.50% (min $500) account review
- Mutual Bank - 3.50% (min $1K) account review
- H&R Block Bank - 3.50% (min $250) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- First State Bank - 3.50% ($1K min), account review
- Bank of Internet - 3.48% (min $1K) account review
- Tennessee Commerce Bank - 3.35% (min $5K)
- National Bank of KC - 3.30% (min $10K), account review
- UFB Direct - 3.25% (min $8K)
- Washington Mutual - 3.25% (min $1K), account review
- IndyMac Bank - 3.05% (min $5K), account review
- Apple Bank - 3.00% (min $500) account review
- ebank - 3.00% (min $1K), 3.25% for ePremium checking customers
- Countrywide - 3.00% (min $10K)
- ING Direct - 3.00%, account review
- ETrade Bank - 3.00% (min $1K), account review
- VirtualBank - 2.79% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
- Lehman Brothers Bank - 2.48% (min $1K)
- Presidential Bank - 2.35% (min $1K)
- AmTrustDirect - 2.00% (min $1K) account review
84-Month Certificate of Deposit:
- Navy FCU - 5.00% ($20K min) (4.90% for $100K+) restrictions to membership, account review
- Capital One - 5.00% (min $5K) (5% 10yr)
- KeyDirect - 4.75% (min $5K) (5% 10yr) Not all states, account review
- Pentagon Federal CU - 4.49% (min $1K), account review
- Intervest - 3.82% (min $2.5K), account review
- Countrywide - 3.00% (min $10K)
- EmigrantDirect - 2.50% (min $1K)
High Yield Reward Checking Accounts - Open to All
- 6.01% Reward Checking at Air Academy FCU - $50K Cap
- 6.01% Reward Checking at Heartland Community Bank - $30K Cap
- 6.01% Reward Checking at Citizens Bank - $25K Cap
- 6.01% Reward Checking at Charter Bank - $25K Cap
- 6.01% Reward Checking at First New England FCU - $25K Cap
- 6.00% Reward Checking at Southern Community Bank & Trust - $25K Cap
- 5.09% Reward Checking at Consumers Credit Union - $25K Cap
- 5.01% Reward Checking at Provident Credit Union - $25K Cap
- 5.01% Reward Checking at Coastal FCU - $50K Cap
- 5.01% Reward Checking at Connexus Credit Union - $25K Cap
- 4.44% Reward Checking at First Arkansas Bank & Trust - $50K Cap
- 4.01% Reward Checking at State Bank of Toledo - $70K Cap
Checking and Saving Accounts at Local Banks/Credit Unions
- Local High Yield Reward Checking Accounts
- 4.25% 3-Month Money Market Promo at Amboy (New Jersey)
- 3.45% Low-Minimum Online Savings Account (California)
- 3.40% No-Minimum Online Savings Account (New York)
- 3.40% Money Market Account (Utah)
- 3.25% Checking Account (Florida)
CD Specials at Local Credit Unions/Banks Over the Last Month
- Alabama deals and CD rates
- Alaska deals and CD rates
- Arizona deals and CD rates
- Arkansas deals and CD rates
- California deals and CD rates
- Colorado deals and CD rates
- Connecticut deals and CD rates
- Delaware deals and CD rates
- District of Columbia deals and CD rates
- Florida deals and CD rates
- Georgia deals and CD rates
- Hawaii deals and CD rates
- Idaho deals and CD rates
- Illinois deals and CD rates
- Indiana deals and CD rates
- Iowa deals and CD rates
- Kansas deals and CD rates
- Kentucky deals and CD rates
- Louisiana deals and CD rates
- Maine deals and CD rates
- Maryland deals and CD rates
- Massachusetts deals and CD rates
- Michigan deals and CD rates
- Minnesota deals and CD rates
- Mississippi deals and CD rates
- Missouri deals and CD rates
- Montana deals and CD rates
- Nebraska deals and CD rates
- Nevada deals and CD rates
- New Hampshire deals and CD rates
- New Jersey deals and CD rates
- New Mexico deals and CD rates
- New York deals and CD rates
- North Carolina deals and CD rates
- North Dakota deals and CD rates
- Ohio deals and CD rates
- Oklahoma deals and CD rates
- Oregon deals and CD rates
- Pennsylvania deals and CD rates
- Rhode Island deals and CD rates
- South Carolina deals and CD rates
- South Dakota deals and CD rates
- Tennessee deals and CD rates
- Texas deals and CD rates
- Utah deals and CD rates
- Vermont deals and CD rates
- Virginia deals and CD rates
- Washington State deals and CD rates
- West Virginia deals and CD rates
- Wisconsin deals and CD rates
- Wyoming deals and CD rates
Terms of 60 Months and Over
- 5.10% 60-Month CD at a Illinois/Indiana CU - ASI-Insured Only (Credit Union 1)
- 4.87% 60-Month CD at a Missouri CU (Health Care Family)
- 4.78% 60-Month CD at a California CU (UNCLE)
- 4.70% 60-Month CD at a DC Credit Union (Library of Congress)
- 4.44% 60-Month CD at a Washington State Bank (North Cascades National Bank)
- 4.30% 60-Month CD at a New York Bank (Bank of Utica)
- 4.25% 60-Month CD at a Illinois Bank (Millennium)
- 4.13% 60-Month CD at a New York CU (LOMTO)
Terms of 24 Months to Under 60 Months
- 5.10% 24-Month CD at a New Hampshire Credit Union (NHFCU)
- 5.05% 24-Month CD at a Illinois CU - ASI-Insured Only (Abbott Laboratories Employees)
- 4.82% 24-Month CD at a California CU (Mission City)
- 4.76% 36-Month CD at a Missouri CU (Health Care Family)
- 4.60% 36-Month CD at a Massachusetts CU (Central One)
- 4.58% 28-Month CD at a New York CU - IRA (Nassau Educators)
- 4.55% 24-Month CD at a California CU (Schools)
- 4.50% 40-Month CD at a Maine CU - No Early Withdrawal Penalty (Penobscot)
- 4.40% 24-Month CD at a DC Credit Union (Library of Congress)
- 4.18% 36-Month CD at a Washington State Bank (North Cascades National Bank)
- 4.18% 24-Month CD at a Florida Bank (Heritage)
- 4.07% 24-Month CD at a Texas CU (NavyArmy)
- 4.00% 55-Month CD at a California CU - IRA (The Golden 1)
- 4.00% 27-Month CD at a North Carolina CU (Summit)
Terms of 12 Months to Under 24 Months
- 5.25% 15-Month CD at a MD/NJ/DC Credit Union (Andrews)
- 5.02% 12-Month CD at a Pennsylvania CU - IRA (Philadelphia)
- 5.00% 12-Month CD at a New Hampshire Credit Union (NHFCU)
- 4.58% 15-Month CD at a Virginia/DC Credit Union (State Department)
- 4.55% 12-Month CD at a California CU (Schools)
- 4.52% 12-Month CD at a California CU (Mission City)
- 4.25% 12-Month CD at a Illinois/Indiana CU - ASI-Insured Only (Credit Union 1)
- 4.25% 12-Month CD at a Massachusetts CU (Central One)
- 4.15% 12-Month CD at a Houston Credit Union (PrimeWay)
- 4.15% 12-Month CD at a Florida Bank (Panther Community)
- 4.10% 12-Month CD at a Oregon Bank (Lewis & Clark)
- 4.04% 18-Month CD at a California CU (UNCLE)
- 4.00% 15-Month CD at a California CU - IRA (The Golden 1)
- 3.98% 14-Month CD at a Florida Bank (Heritage)
- 3.92% 12-Month CD at a Texas CU (NavyArmy)
- 3.82% 12-Month CD at a New York CU (LOMTO)
- 3.75% 12-Month CD at a Hawaii Credit Union (Valley Isle Community)
Terms of Under 12 Months
- 6.17% 9-Month CD at a Louisiana CU - IRA (Neighbors)
- 5.00% 5-Month CD at a Multi-State CU - $25K Max / Easy Membership (Xerox)
- 5.00% 5-Month CD at a Indiana CU (Fortress)
- 4.95% 7-Month CD at a MD/NJ/DC Credit Union (Andrews)
- 4.75% 3-Month CD at a California Credit Union (California Pacific)
- 4.58% 10-Month CD at a Georgia CU (Georgia's Own)
- 4.25% 6-Month CD at a Oregon Bank (Lewis & Clark)
- 4.25% 9-Month CD at a Arizona CU (Tucson Old Pueblo)
- 4.25% 5-Month CD at a New Jersey Bank - and $100 Checking Bonus (OceanFirst)
- 4.25% 9-Month CD at a North Carolina CU (Summit)
- 4.00% 6-Month CD at a Illinois Bank (Millennium)
- 4.00% 6-Month CD at a Hawaii Credit Union (Valley Isle Community)
- 4.00% 6-Month CD at a Houston Credit Union (PrimeWay)
- 4.00% 6-Month CD at a Florida Bank - Liquid Feature (Grand Bank & Trust)
- 4.00% 4-Month CD at a Maine CU - No Early Withdrawal Penalty (Penobscot)
- 3.75% 9-Month CD at a California Bank (County)
Bank Account Alternatives
- Money Magazine article on risk-free investments
- GE Interest Plus - 3.30% rate for $50k+
- Fidelity Money Market Fund - 3.09% 7-day yield ($100 bonus and other info)
- TIAA-CREF Money Market Fund - 2.98% 7-day yeild
- Paypal Money Market Fund - 2.96% 7-day yield (1% cashback debit MasterCard)
- Vanguard Prime Money Market Fund - 2.91% 7-day yield
- FW Thread on Treasury Bills
- I Bond Rate Starting Nov 2006, I Bond Article, I Bonds as CD Alternatives
Historical Rates from the Federal Reserve (Federal funds, Treasury bills, CD's)
Featured Savings Account
Nationwide Savings Accounts
Related Posts
kate (anonymous) - #1, Saturday, March 29, 2008 - 4:29 PM
Just came across this:
$100 debit card - Key Express Free Checking
https://www.key.com/html/H-1.11.html?sqkl=index_mc08021ddagiftcardpb2_img
Key Express Free Checking Details
* No monthly maintenance service charge
* No minimum balance requirement
* No per-check fees or limits
* No monthly or annual KeyBank Debit Card fee
* No fee for using your KeyBank Debit Card on purchases when using a PIN or signing for a purchase
* Free, unlimited use of Key's nationwide network of ATMs
* Free1 24-hour access to your accounts with Online Banking
* Free Key Bill Pay to pay your bills quickly and easily online
* Transfer funds between your Key accounts and accounts at other banks
* Reorder checks by signing on or enrolling in Online Banking, or place an order through Harland Clarke
* Compare all checking accounts
*Must open a qualifying checking account at a KeyBank branch, Key.com or through 1-877-888-3658 between 3/29/08 and 4/25/08 and make a combination of two direct deposits and/or automated payments each of $100 or more by 6/27/08. Free checking only applies to a Key Express Free Checking account. Qualifying accounts include Key Express Free Checking (this is the basic banking account in NY) and Key Advantage®. You will receive your $100 Key Possibilities MasterCard® card within 90 days of meeting requirements. The gift card can be used at locations that accept Debit MasterCard cards. Direct deposit transactions are limited to: payroll, social security, pension and government benefits. Automated payments exclude Key Bill Pay, debit card automated payments, PayPal® transactions and account to account balance transfers. Offer available to individuals without an existing checking account at KeyBank as of 03/28/08. Offer not available to individuals who have opened a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer. Limit one $100 Key Possibilities Card per qualifying account. Limit one $100 Key Possibilities Card per individual. Offer valid while supplies last. The $100 value of the Key Possibilities gift card received for opening a checking account with direct deposit and/or automated payments will be reported on Form 1099-INT. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed as of 6/28/08 are not eligible for this offer. Accounts titled as Trust Accounts, Non-Individual, Estate, and No Access are excluded from eligibility. You must have a U.S. mailing address on 6/28/08 to be eligible. Offer is subject to cancellation without notice, and cannot be combined with any other offer. Other miscellaneous charges may apply. All rights reserved.
The Key Possibilities gift card is subject to the terms of the Key Possibilities Cardholder Agreement and is NOT FDIC INSURED · MAY LOSE VALUE · NOT A DEPOSIT.
MasterCard is a registered trademark of MasterCard International Incorporated.
Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.
1 Other charges still apply.
Member FDIC
May We Suggest
Direct deposit
Free online banking and bill pay
Overdraft protection
Platinum credit card with rewards
Watch video
Contact Us
For more Checking Account Information:
Call us at 1-888-539-1234
Visit your local branch
Diversity | Equal Housing Lender | User Agreement | Lin
Tighe (anonymous) - #2, Saturday, March 29, 2008 - 9:38 PM
Look for Alliant's rate to drop shortly.
Sadness.
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