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Recent Bank Interest Rate News

SallieMae Bank Money Market Now At 2.20% APY
Deal Summary: Money Market (2.20% APY); High-Yield Savings (2.10% APY); CDs – 12-month (2.70% APY), 24-month (2.90%), and 60-month (3.10% APY).

Availability: Nationwide (internet bank)

With a variety of rate increases this yesterday morning, SallieMae Bank is continuing to keep its product line APYs competitive. While the individual rate increases haven’t been exceptional, the cumulative effect has kept SallieMae Bank within striking distance of the rate leaders.

Money Market Account

The Money Market Account (MMA) continues to be SallieMae Bank’s most competitive deposit account with its current 2.20% APY....

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Live Oak Bank Nudges 1-Year CD Rate Again - 2.80% APY
Deal Summary: 1-year CD, 2.80% APY, $2.5k minimum deposit, with a maximum $250k per account.

Availability: Nationwide (internet bank)

For a while this morning, Live Oak Bank had the distinction of having the top-rated 1-year CD (2.80% APY) offered by an internet bank. By the slimmest of margins (1 basis point), VirtualBank’s 12-month eCD claimed that honor late this morning.

The minimum opening deposit is $2.5k, with a maximum $250k deposit per CD. The maximum aggregate balance (all consumer accounts at Live Oak Bank) is $5...

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VirtualBank 12-Month eCD Pushes Up To 2.81% APY
Deal Summary: 12-month eCD, 2.81% APY, $10k minimum deposit

Availability: Nationwide (internet bank)

It’s been a busy morning for short-term internet bank rates. I was in the process of writing about Live Oak Bank’s 1-year CD (2.80% APY) capturing the internet bank top spot, when VirtualBank swooped in and edged out Live Oak Bank by increasing the rate on its 12-month eCD to 2.81% APY. Since January, the 12-month eCD has had six rate increases, adding a total of 112 bps.

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American Express National Bank Personal Savings Account Now At 2% APY
Deal Summary: American Express Personal Savings account (2.00% APY), CD rate increases.

Availability: Nationwide (internet bank)

American Express National Bank increased the rate of its American Express Personal Savings account (Personal Savings) by 10 bps to 2.00% APY. This rate is effective as of 11/15/2018. The last Personal Savings rate hike was on September 27th, a day after the Fed rate hike.

American Express National Bank joins Ally Bank and Discover Bank in reaching 2% APY. All three now offer 2% APY on their no-minimum online savings...

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CD Rates Summary May 24, 2016
CD Rates Summary May 24, 2016

Last week’s release of the minutes of the Fed’s April meeting indicates a decent chance of a rate hike at the next Fed meeting on June 14-15. This is how economist Tim Duy summed up the minutes in his Fed Watch blog:

In addition to the minutes, comments from Fed officials have been suggesting that a rate hike is definitely on the table in June. However, Tim Duy still thinks there’s a better chance of the Fed postponing the rate hike until July or September.

Changes in both Treasury yields and Fed...

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Best Bank Account Interest Rates - Summary for May 17, 2016
Best Bank Account Interest Rates - Summary for May 17, 2016

Today’s inflation report increases the chance that we’ll see a Fed rate hike in June. The Labor Department reported that the CPI increased 0.4% in April, above expectations of 0.3%. The core CPI, which excludes energy and food, increased 0.2% which was inline with expectations. The increased chance of a June Fed rate hike doesn’t mean that it’s a good chance. It’s still low. According to this Wall Street Journal article:

On Wednesday the Fed will be releasing the minutes of last month’s FOMC meeting. That may provide hints of what...

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