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About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.


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Pathways Financial Credit Union Offers Competitive CD Rates in OH & KY
Deal Summary: Certificates – 12-month (0.70% APY), 18-month (0.75% APY), 24-month (0.85% APY), $500 minimum deposit.

Availability: Easy membership requirement in Ohio and Kentucky.

Ohio-based Pathways Financial Credit Union (Pathways) is offering competitive rates on its shorter-term Certificates: 12-month (0.70% APY), 18-month (0.75% APY), 24-month (0.85% APY). The minimum opening deposit is $500, with no stated balance cap.

As stated on the Rates page, the Early Withdrawal Penalty reads as follows:

Excess Share Insurance

Large deposits at Pathways are protected by Excess Share Insurance.

Availability

Headquartered in Columbus,...

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SBT Offers Special Rate On 12-Month CD To Houston Area Residents
Deal Summary: 12-month, 0.85% APY, $100k minimum deposit

Availability: Residents of Harris County (TX) and its contiguous counties.

In the past few years, State Bank of Texas (SBT) has been periodically offering nationally available special rate CDs. Currently, the only nationally available CD is a 12-month, with rates that aren’t that special (0.55% APY, $25k; 0.65% APY, $100k), but residents of Harris County (and seven contiguous counties) qualify for 0.85% APY ($100k minimum) on the 12-month CD.

According to CSR, the Early Withdrawal Penalty for the 12-month CD...

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Kellogg Community Credit Union (MI) Has Two Limited-Time CD Specials
Deal Summary: 17-month CD Special, 0.77% APY, $500 min deposit. 31-month CD Special, 1.01% APY, $500 min deposit. 5-year Golden Certificate, 1.40% APY, $50k min deposit.

Availability: Residents of 15 west Michigan counties.

Competitive short-term and long-term CD rates are currently offered by Kellogg Community Credit Union (KCCU). The 17-month CD Special (0.77% APY) and 31-month CD Special (1.01% APY) can be opened with a $500 minimum deposit, with no stated balance cap.

The CD Specials are also available as IRA CD Specials (Traditional, Roth,...

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CLB The Community Bank (LA) Kasasa Products Near One Year Anniversary
Deal Summary: Kasasa Cash Checking, 3.15% APY on qualifying balances up to $15k. Kasasa Saver, 1.00% APY on qualifying balances up to $50k.

Availability: Central Louisiana

CLB The Community Bank (CLB) began offering Kasasa brand products almost a year ago. The Kasasa Cash’s initial 3.15% APY on qualifying balances up to $15k is still in effect. Qualifying balances over $15k earn 0.50% APY (an unusually high second-tier APY for a reward checking account), with non-qualify balances earning 0.05% APY.

The monthly qualification requirements are easily fulfilled...

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Best Bank Account Interest Rates - Summary For April 20, 2021
Best Bank Account Interest Rates - Summary For April 20, 2021

In the last two weeks, Synchrony was the only major online bank to lower its savings or money market rate. Its High Yield Savings account rate fell from 0.50% to 0.40%. I’m hoping that the other major online banks won’t follow Synchrony and other major online banks that have already cut their savings account rates to 0.40% (including Capital One, Barclays, American Express, Discover, PurePoint Financial, FNBO Direct, and Citizens Access). We’ll see how long Ally, Marcus, and a few other major online banks will hold on to their 0.50%...

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Federal Reserve, the Economy and CD Rate Forecast - April 20, 2021
Federal Reserve, the Economy and CD Rate Forecast - April 20, 2021

Next week on April 27 and 28, the third FOMC meeting of 2021 is scheduled. No policy changes are expected and no new economic projections will be released. The meeting statement along with the Fed Chair’s press conference may provide some clues about when the Fed will start thinking about exiting from its zero interest rate policy.

The first exit step for the Fed will be signaling that it intends to taper its asset purchases (buying $80 billion in Treasury securities and $40 billion of agency mortgage-backed securities each month). In...

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Porte Banking Offers Unique High Yield Savings Account
Deal Summary: Savings Account, 3% APY on up to $15k, 0.50% for $15k+

Availability: Nationwide (via mobile app)

Porte is a brand of the financial technology company (fintech) Populus Financial Group that has partnered with MetaBank to offer unique checking and savings accounts. Like many of the new fintech bank accounts, Porte requires a mobile app to open and manage the account. You must first open the checking account, what it calls a demand deposit account. It’s a free checking account, but it pays no interest. Once you have the...

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Independence State Bank Kasasa Products Remain Competitive
Deal Summary: Kasasa Cash Checking, 2.15% APY on qualifying balances up to $15k. Kasasa Saver, 0.75% APY on qualifying balances up to $25k.

Availability: Wisconsin, possibly nationwide.

Wisconsin-based Independence State Bank has been offering Kasasa brand products for nearly three years. The Kasasa Cash Checking’s initial 2.15% APY on qualifying balances up to $15k is still in effect. Qualifying balances above $15k earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

The monthly qualification requirements include,

  • At least 12 debit card purchases
  • At least one direct deposit, ACH credit...
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St. Paul Federal Credit Union Has Unique Reward Checking Account
Deal Summary: Simply Checking, 4.99% APY (60 monthly debits), 3.99% APY (40 monthly debits), 2.99% APY (20 monthly debits).

Availability: Residents of the Twin Cities (St. Paul/Minneapolis) metro area; several SEGs.

St. Paul Federal Credit Union's (St. Paul Federal) reward checking account, Simply Checking, has maintained its three APYs (determined by monthly debit card usage) since the account was added to the product line in 2016.

In addition to the monthly debit card transaction (average $5 per transaction), the following requirements must be met to qualify for the...

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Community National Bank (KS) Offers Kasasa Brand Statewide
Deal Summary: Kasasa Cash, 2.00% APY on qualifying balances up to $20k. Kasasa Saver, 1.00% APY on qualifying balances up to $20k.

Availability: Kansas

Kasasa brand products have been offered by Community National Bank for nearly four years. The Kasasa Cash’s initial 2.00% APY on qualifying balances up to $20k is still in effect. Qualifying balances over $20k earn 0.20% APY, with non-qualify balances earning 0.05% APY.

The monthly qualification requirements are straightforward and fairly standard.

  • At least 15 debit card purchases
  • At least one direct deposit or...
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Beacon Community Bank (SC) Has Competitive 30-Month CD
Availability: 30-month CD, 1.00% APY, $250 minimum deposit.

Availability: Market area is the greater Charleston, South Carolina metropolitan area.

Having opened its doors for business slightly more than three years ago, Beacon Community Bank (Beacon) began offering CDs in just the past year. All of Beacon’s long-term CDs currently have the same rate (1.00% APY), with the 30-month being the most competitive. The minimum opening deposit for any Beacon CD is $250 and there is no stated balance cap.

As stated on the Disclosures page, the Early Withdrawal...

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New Dimension Fed Credit Union (ME) Has Competitive Kasasa Products
Deal Summary: Kasasa Cash, 2.50% APY, on qualifying balances up to $15k. Kasasa Saver, 1.00% APY, on qualifying balances up to $25k.

Availability: Residents of Franklin, Kennebec, Somerset, and Waldo Counties, Maine.

New Dimensions Federal Credit Union (NDFCU) has been offering Kasasa brand products since 2017. The Kasasa Cash’s initial 2.50% APY on qualifying balances up to $15k is still in effect. Qualifying balances of $15k+ earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

The monthly qualifying requirements are fairly standard and include,

  • At...
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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.