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Bank Deals Blog - 2009

December 2009

• 31st
  New Year's Eve Credit Union Liquidation
  Update on ASI, Velocity Credit Union and Private Deposit Insurance
  Competitive Money Market, Checking and CD Rates at Georgia Primary Bank - Local Only
  4.08% Reward Checking Account at Partners Financial FCU in Virginia - Local Only
  Beware of Wrong Reports of FDIC Guarantee Changes
• 30th
  UmbrellaBank and Imperial Capital CD Holders Take a Beating
  High-Yield Reward Checking Account at Peoples Bank & Trust in MO - Local Only
  Update on Chase Checking Account Bonuses
  Top 14-Month CD Rate at Blueharbor Bank in North Carolina - Local Only
  2.26% 12-Month CD at 1st Financial FCU in Missouri - Local Only
• 29th
  2.15% 7-Month CD at One Georgia Bank - Atlanta Area Only
  Expired Rates: 2.48% 24-Month CD & 2.02% 12-Month CD at Atlas Savings and Loan Association in New York - Local Only
  2.25% 12-Month CD at North Alabama Bank - Local Only
  2.00% 6-Month CD & 2.00% Money Market at United Financial Bank of Florida - Local Only
  How the Proposed Fed CDs Will Affect Savers?
• 28th
  2.15% 12-Month Online CD at Franklin Synergy Bank - Available Nationwide
  5.01% Reward Checking Account at St. Paul FCU in MN - Local Only
  4.00% Reward Checking Account at Guaranty Bank and Trust in MS - Local Only
  $200 Checking Account Bonus at Union Bank in CA, WA and OR
  The Differences between Credit Unions and Banks
• 26th
  NYTimes Article: At Tiny Rates, Saving Money Costs Investors
• 24th
  Merry Christmas and Happy Holidays!
• 23rd
  Useful Reward Checking Account Tips
  3.04% Reward Checking Account at Old Florida National Bank in Florida - Local Only
  3.00% 36-Month CD at State Bank of India (California) - Local Only
  3.50% 60-Month CD at City National Bank in NJ, NY & PA - Local Only
• 22nd
  Update on My Short List of Top Savings Accounts
  Update on the 4.07% 18-Month CD ($25K Max) at Citibank via its Secured MasterCard Program
  2.10% 15-Month CD at Bank of Fayetteville in AR
  2.15% Money Market Promo with Rate Guaranteed to 3/31/10 at One World Bank in Dallas - Local Only
  2.50% 24-Month CD at First American International Bank in New York City - Local Only
• 21st
  Why Choose CDs Instead of Reward Checking Accounts?
  3.00% Reward Checking Account at Foothill FCU in California - Local Only
  3.00% 3-Year CD & Other Competitive CD Rates Continue at Pinnacle Bank in Florida - Local Only
  3.75% Jumbo 60-Month CD at Coastline FCU in North Florida - Local Only
• 20th
  3.50% 48-Month CD at Rollstone Bank & Trust in MA - Local Only
  Competitive 2- and 5-Year CDs at Northwest FCU - Available Nationwide
• 18th
  7 Banks Fail Including UmbrellaBank's Parent and Imperial Capital
  Important Gotcha for Those with Reward Checking Accounts
  2.29% 18-Month CD at BankFirst Financial Services in MS - Local Only
  2.25% 15-Month CD & 2.10% 9-Month CD at Commercial Bank in TN & KY - Local Only
  3.01% Reward Checking Account at Commercial Bank in TN & KY - Local Only
  2.07% 18-Month CD at Signature Bank in New York City - Local Only
  3.56% 60-Month CD & 3.30% 48-Month CD Continue at Qualtrust Credit Union in Texas - Local Only
• 17th
  Flagstar Internet Money Market Rate Plummets and Is No Longer Competitive
  OneWest Bank's Competitive 5-Year CD - Benefits and Issues of Long-Term CDs
  $50 Checking Account Bonus at Thrivent Financial Bank - Available Nationwide
  3.00% Reward Checking Account at First State Bank in New York - Local Only
  3.00% Reward Checking Account at Citizens & Northern Bank in PA - Local Only
  2.45% 12-Month CD at Bank of Granite in North Carolina - Local Only
• 16th
  Fed Still Saying Exceptionally Low Rates for Extended Period - Update
  2.00% 15-Month CD & 2.50% 23-Month CD at Regions Bank in Several States - Local Only
  3.50% 48-Month CD & 2.00% 12-Month CD at Terrabank in Miami - Local Only
  2.25% 12-Month CD at Insight Bank in Ohio - Local Only
  2.20% CDs with Terms from 6 to 18 Months at Communitywide FCU in Indiana - Local Only
  2.00% 9-Month CD at United Orient Bank in New York City - Local Only
  1.76% 9-Month CD at Miami Postal Service Credit Union - Local Only
  2.55% 24-Month CD & 2.10% 12-Month CD at Navy Army FCU in Texas - Local Only
• 15th
  3.00% 36-Month CD & 3.50% 60-Month CD at First Priority Credit Union in MA - Local Only
  3.09% Reward Checking Account at Bank of Agriculture & Commerce in California - Local Only
  2.00% 6-Month Jumbo CD at Mutual Federal Bank in Chicago - Local Only
  2.70% 24-Month CD at Communication FCU in OK - Local Only
  2.25% CD for Terms of 3 to 11 Months at MidCoast Community Bank - Local Only
• 14th
  Competitive Short-Term Internet CD at EBSB Direct - Available Nationwide
  4.00% Reward Checking Account at Adams Bank & Trust in NE & CO - Local Only
  Update on National City's $300 Bonus and PNC's $100 Bonus - Limited to Certain States
• 13th
  IndyMac Depositors Are Still Out of Luck - Review of Deposit Insurance Changes Since IndyMac's Closure
  2.75% Reward Checking Account with a $100K Balance Cap at Pacific Mercantile Bank in CA - Local Only
  $150 Checking Account Bonus Continues at NuVision Credit Union in CA - Local Only
  2.50% 2-Year CD & 3.00% 3-Year CD at Washington Federal Savings in Several States - Local Only
  2.50% 25-Month CD at First Financial Bank in OH, IN & Other States - Local Only
  2.00% 6-to-13 Month CD & 2% Savings Account with Rate Guarantees at CrossFirst Bank in Kansas City Metro - Local Only
  1.97% 12-Month CD with Some Liquid Features at FirsTier Bank in CO - Local Only
• 11th
  Three Banks Closed by Regulators in FL, AZ and KS
  ING Direct Raises Yield on its 1-Year CD to 2.00% - Available Nationwide
  The Last Remaining 6% Reward Checking Account
  2.60% Reward Checking Account with $100K Balance Cap at Savoy Bank in NYC - Local Only
  3.00% 45-Month Online CD at Reliabank Dokota - Available Nationwide
  High-Yield Reward Checking Account & Savings Account at Mid America Bank & Trust Co. in MO - Local Only
  3.00% 42-Month CD at First Financial Bank in IN & IL - Local Only
• 10th
  Ally Bank News - Fee Changes and CD Renewal Bonus
  2.45% 15-Month CD at Lumbee Guaranty Bank in North Carolina - Local Only
  4.50% Reward Checking Account at Lumbee Guaranty Bank in North Carolina - Local Only
• 9th
  Competitive Long-Term CD Rates at Hudson City Savings Bank - Available Nationwide
  2.25% 11-Month CD & 3.70% 59-Month CD at CharterBank in GA & AL - Local Only
  2.15% 13-Month CD & 3.50% 60-Month CD at Fort Knox Federal Credit Union in Kentucky - Local Only
  Free High-Yield Reward Checking Accont at R Bank in Texas - Local Only
• 8th
  More Information on the Transition to DepositAccounts.com
  3.01% Reward Checking Account at Indiana Bank & Trust Company - Indiana State Only
  4.06% 48-Month CD & 3.29% 36-Month CD at Founders FCU in SC/NC - Local Only
  2.50% 24-Month CD & Other Competitive CD Rates at Montauk Credit Union in New York - Local Only
  2.75% 18-Month CD & 4.00% 60-Month CD at Greylock FCU in MA - Local Only
• 7th
  High-Yield Reward Checking Account and Savings Account at Sonoran Bank in Arizona - Local Only
  3.85% 6-Year CD at Kemba Credit Union in Ohio - Local Only
  3.50% Reward Checking Account at Kemba Credit Union in Ohio - Local Only
  2.15% 18-Month CD at Valliance Bank in Texas - Local Only
  2.10% 14-Month CD & 2.30% 19-Month CD at First Commercial Bank of Florida - Local Only
  2.52% 25-Month CD & 2.02% 14-Month CD at First Bank in Kansas - Local Only
• 6th
  4.05% Reward Checking Account at Cross Key Bank in Louisiana - Available Nationwide
  5.01% Reward Checking Account at First National Bank of Scottsdale in AZ - Local Only
  Competitive CD Rates at Self-Help Credit Union in NC & CA - Available Nationwide
  2.25% 24-Month Add-On CD at NexBank in Texas - Local Only
  2.00% 11-Month CD Continues at Stillwater National Bank in OK - Local Only
• 4th
  AmTrust Bank and Five Other Banks Are Shut Down by Regulators
  Update on SmartyPig's High-Yield Savings Account
  4.41% Reward Checking Account at United Bank of Kansas - Local Only
  2.12% 21-Month Bump & Add-on CD at Woodstone Credit Union in WA - Local Only
• 3rd
  2.10% 12-Month CD at First Choice Bank in California - Local Only
  2.53% 24-Month CD at Commerce National Bank in Texas - Local Only
  Velocity Credit Union in Texas Begins Voting Process for Switch to Private Insurance
  High-Yield Reward Checking Account at River City Bank in Georgia - Local Only
  2.40% 16-Month Jumbo CD at Teachers Federal Credit Union in New York - Local Only
  2.00% 6-Month CD Continues at Vision Bank Texas - Local Only
  3.00% 36-Month CD Continues at SchoolsFirst FCU in California - Local Only
  2.50% 24-Month CD at Heritage Bank of Florida - Local Only
• 2nd
  Update on PenFed CDs for January - New and Rollover CDs
  AmTrust Financial Files for Bankruptcy - Future of AmTrust Bank?
  2.00% Reward Checking Account at Legacy Bank of Florida - Local Only
  2.11% 13-Month No-Penalty CD at First Federal Savings Bank in KY & IN - Local Only
  2.00% 15-Month CD and CD IRA at Parke Bank in NJ & PA - Local Only
  3.50% 60-Month CD at CEF Credit Union in IL & CA - Local Only
• 1st
  Credit Union News - ASI Review and a Credit Union Liquidation
  2.25% 14-Month CD & 1.85% 8-Month CD at National Bank of South Carolina - Local Only
  2.05% 12-Month CD & 2.15% 18-Month CD at Premier Bank in Chicago - Local Only
  2.30% 24-Month CD at Main Street Bank - Available Nationwide
  The Future Home For Bank Deals: DepositAccounts.com

November 2009

• 30th
  2.00% Checking Account with Rate Guaranteed for One Year at Flagstar Bank - GA, MI & IN Only
  2.60% 12-Month CD at Cecil Bank in Maryland - Local Only
  Update on the Best Nationwide Reward Checking Account - Bank of the Sierra
  5.00% Reward Checking Account at Quad City Bank & Trust in Iowa - Local Only
  3.80% 60-Month CD Continues at PrimeWay Federal Credit Union in Houston - Local Only
  3.65% 60-Month CD at Fidelity Bank of Florida - Local Only
• 29th
  2.00% 14-Month CD & a Jumbo Money Market Deal at United Central Bank in Several States
  High CD Rates Continue at Progressive Credit Union in New York - Limited Membership
  $100 Checking Account Bonus at Citizens Bank in Several States
• 28th
  ING Direct Extends Its Black Friday Sale
• 27th
  FDIC Releases October Enforcement Actions
  PerkStreet Financial Raises New Account Bonus to $100 - Available Nationwide
  2.00% 6-Month No-Penalty CD ($25K Max) at STC Capital Bank in IL - Local Only
  High-Yield Savings Account (5% for first $1K) at OMNIBANK in Texas - Local Only
  3.55% 5-Year CD & 3.03% 3-Year CD at Goldwater Bank - Available Nationwide
• 26th
  ING Direct's Black Friday Specials: 2% 12-Month CD & $121 Checking Bonus
• 25th
  Big Improvements Coming to Bank Deals
  Alliant Credit Union's Savings Account Rate to Remain 2% Through December
  CD Rates Fall at Melrose Credit Union But Remain Competitive - Available Nationwide - Update
  3.15% 36-Month CD & Other Competitive CD Rates at First State Bank in NJ - Local Only
  2.30% 18-Month CD at 1st Mariner Bank in Maryland - Local Only
  4.07% Reward Checking Account at Bluegrass Community Bank in KY - Local Only
  2.50% 24-Month & 2.10% 12-Month Jumbo CDs at Universal Bank in CA - Local Only
  3.51% 60-Month CD at Florida Traditions Bank in Florida - Local Only
  2.00% Money Market Account with Rate Guaranteed for 6 Months at New Century Bank in PA - Local Only
• 24th
  2.78% 24-Month CD & 2.18% 12-Month CD at First National Bank in Texas - Local Only
  FDIC's Third Quarter Report - Number of Problem Banks Increased to 552
  2.65% 24-Month CD & 1.90% 6-Month CD Continues at Signature Bank in New York City - Local Only
  High-Yield Reward Checking Account at Cedar Rapids Bank & Trust in Iowa - Local Only
  High-Yield Low-Max CD Specials
  3.00% 30-Month CD at Indus American Bank in NJ & NY
  2.50% 12-Month CD & 2.25% Money Market Account at Coastal Carolina National Bank in SC - Local Only
• 23rd
  High-Yield Reward Checking Account at LGE Community Credit Union in GA - Local Only
  3.50% 60-Month CD at LGE Community Credit Union in GA - Local Only
  Fees for PIN-Based Debit Card Purchases
  2.10% 15-Month CD at Nassau Educators FCU in New York - Local Only
  2.02% 12-Month CD & 1.88% Savings Account at American Plus Bank N.A. in California - Local Only
• 22nd
  2.19% 15-Month CD at Golf Savings Bank - Available Nationwide
  2.52% 24-Month CD at Olin Community Credit Union in MO & IL - Local Only
  2.05% 15-Month CD at Jeanne D'Arc Credit Union in MA and NH - Local Only
  2.25% 12-Month Jumbo CD at First Sound Bank in WA - Local Only
• 21st
  Should You Use Your Emergency Fund for Holiday Shopping?
• 20th
  One Small Florida Bank Closed - 124th Bank Failure of 2009
  ING Direct's Black Friday CD and Electric Orange Checking Specials
  2.09% 18-Month CD & 3.00% 36-Month CD at First Entertainment Credit Union in CA - Local Only
  Certificate and Credit Card Deals at Pentagon Federal Credit Union - Available Nationwide
  Competitive 5-Year CD at Northwest FCU with Useful IRA Feature - Available Nationwide
  Money Market Account Special at First Independent Bank in Washington State - Local Only
  2.52% Money Market Account Continues at South Florida FCU - Local Only
• 19th
  Bank Deals Blog is Back in Operation!
• 18th
  3.50% 5-Year CD & 4.00% 7-Year CD at First National Community Bank in PA - YMMV Nationally Available
  4.50% Reward Checking Account with Rate Guaranteed to 9/2010 at First Security Trust Bank in KY - Local Only
• 17th
  FDIC is Now Forcing Rate Cuts to Reward Checking Accounts
  FDIC's Fall 2009 Consumer News - FDIC Coverage, Safe Deposit Box, Debit Card Protections
  2.25% 11-Month CD Special is Back at Colonial Branches of BB&T - TX, FL & NV
  Link Verification When Opening a New Account at Ally Bank
  4.01% Reward Checking Account at Cattleman's National Bank in Central Texas - Local Only
  2.48% 24-Month CD & 2.07% 12-Month CD at Atlas Savings and Loan Association in New York - Local Only
• 16th
  2.50% 13-Month CD at Cornerstone Bank in Georgia - Local Only
  2.25% 19-Month CD & 2% 9-Month CD at Service Credit Union - Limited Membership
  2.45% 15-Month CD at Bank of Granite in North Carolina - Local Only
  2.15% 12-Month CD at Texas National Bank in Texas - Local Only
• 15th
  2.50% 18-Month No-Penalty CD at Darby Direct in Georiga - Local Only
  $300 Checking Account Promotion at National City Bank in Some States
  2.10% 12-Month CD & 2.50% 25-Month CD at Workers Credit Union in MA & NH - Local Only
  4.01% Reward Checking Account at Centera Bank in Kansas - Local Only
  3.50% Reward Checking Account at MAC FCU in Alaska - Local Only
• 13th
  Two Florida Banks and One California Bank Closed by Regulators
  Ally Bank Increases Rates - FDIC Restrictions Having an Effect?
  Another Fed Action That May Cost Savers - New Rules on Overdrafts
  New Internet Bank with Competitive Rates: Colorado Federal Savings Bank - Available Nationwide
  3.00% 36-Month CD at Mutual of Omaha Bank in CA, NV, AZ, CO, NE & TX - Local Only
• 12th
  5.02% Reward Checking Account at Goldwater Bank in Arizona - Local Only
  BBVA Compass Checking Account Promotion - Free iPod touch (available in AL, AZ, CO, FL, NM & TX)
  2.36% 18-Month CD at Shore Bank in VA & MD - Local Only
  2.25% 12-Month CD & 2.50% 24-Month CD at Appalachain Community FCU in TN & VA - Local Only
  Flagstar's Online Money Market Promotion - Available Nationwide
  2.50% Savings Account Promotion at California Business Bank - Local Only
  Bank of America's Special Rate Money Market Savings Account
  TD Bank's Elite Savings Account Promotion
• 11th
  Update on Hanmi Bank in California - Deposit Deals and Financial Condition
  2.55% 24-Month CD at Columbus First Bank in Ohio - Local Only
  2.50% 24-Month CD at MidFirst Bank in Arizona - Local Only
  2.02% 12-Month CD at Bank of Internet USA - Available Nationwide
  4.19% Reward Checking Account and 3.19% Savings Account at D.L. Evans Bank in ID – Local Only
  $150 Checking Account Bonus at Harris Bank
  How Much Money is Your Checking Account Making for You
• 10th
  2.00% 6-Month CD at Verity Credit Union in Washington State - Local Only
  2.50% 12-Month IRA CD at Dime Savings Bank - Available Nationwide
  2.70% 27-Month World Series CD Special at The Berkshire Bank in NYC - Local Only
  5.00% Reward Checking Account at Carolina Premier Bank in NC - Local Only
  Expired: 3.00% 7-Month CD at NIH Federal Credit Union in MD & DC - Limited Membership
  2.35% 11-Month CD at Streator Onized Credit Union in Illinois - Local Only
  Basic ATM Safety Practices
• 9th
  New High-Yield Internet Checking Account at Incredible Bank - Available Nationwide
  High-Yield CD Specials with Max Deposits up to $30K at South Central Bank in Chicago - Local Only
  3.15% 39-Month CD at Capital Communications FCU in New York - Local Only
• 8th
  Capital One's New InterestPlus Online Savings Account - Available Nationwide
  4.00% Reward Checking Account at The First State Bank in Texas - Local Only
  2.15% 15-Month CD at O Bee Credit Union in Washington State - Local Only
  2.33% Checking Account with Rate Guaranteed to March 2010 at Austin Bank of Chicago - Local Only
• 7th
  2.27% 15-Month CD at Central Bank of Kansas City - Local Only
• 6th
  Five Banks Fail including United Commercial Bank
  High-Yield Reward Checking Account at CharterBank in GA & AL - Local Only
  Update on Bank of the West $100 Checking Account Promotion
  2.00% 12-Month CD & 2.40% 24-Month CD at Jacksonville Bank - Available Nationwide
  2.38% 16-Month & 2.15% 6-Month Jumbo CDs at Mega Bank in California - Local Only
  2.10% 12-Month CD & 2.50% 24-Month CD at The Mint National Bank in Texas - Local Only
• 5th
  2.09% 10-Month CD & 2.25% 15-Month CD at Century Bank Direct - Available Nationwide
  2.50% 17-Month CD at Royal Asian Bank in PA, NJ & NY - Local Only
  Last Chance at the 2.25% Savings Account at SFGI Direct?
  5.01% Reward Checking Account at Citizens First Bank in Iowa - Local Only
  $25 Bonus On Discover Bank's CDs - Nationally Available
  $50 Checking Account Bonus with No DD at Perkstreet Financial - Available Nationwide
• 4th
  Fed Still Saying Exceptionally Low Rates for Extended Period
  High-Yield Reward Checking Account at South Division Credit Union in Illinois - Available Nationwide
  $150 Checking Account Bonus at First Tennessee Bank - Local Only
  3.56% 60-Month CD & 3.30% 48-Month CD at Qualtrust Credit Union in Texas - Local Only
  2.27% Jumbo 12-Month CD at AllSouth Credit Union in South Carolina - Local Only
  World Series CD Special at South Jersey FCU - Local Only
  Savings and CD Specials (2.75% for 120 days, 3.75% 5-year CD) at a First National Bank of Long Island Branch in NY - Local Only
• 3rd
  Flagstar Bank Launches New Internet Website
  2.78% 12-Month CD &t 3.09% 27-Month CD at Wings Financial CU in MN & Other Places with Limited Membership
  Charter Bank Slashes the Rate on its Nationwide Reward Checking Account
• 2nd
  Treasury Announces New I Bond Rate of 3.36% - Fixed Rate of 0.30%
  2.00% 9-Month CD & 2.50% 20-Month CD at Institution for Savings in MA - Local Only
  History of the Government's Intervention into GMAC and Ally Bank
  High-Yield Reward Checking Account at First Federal in North Carolina - Local Only
  2.10% 19-Month CD & 1.90% 6-Month CD at First Commercial Bank of Florida - Local Only
• 1st
  2.00% 11-Month CD at Stillwater National Bank in OK - Local Only
  2.07% 12-Month CD at Mile High Banks in Colorado - Local Only
  More Reviews of Risks with Privately Insured Credit Unions
  $150 Checking Account Bonus at National City Bank in Some States

October 2009

• 31st
  Uninsured IndyMac Depositors Ask FDIC Chairman for Help - Lessons To Be Learned
  High-Yield Reward Checking Account at BankTexas
  5.00% Reward Checking Account at Village Bank in MN - Local Only
  Banks Scramble in the Face of New Overdraft Fee Legislation
• 30th
  Nine Banks of FBOP Corporation Closed - All Deposits Assumed by U.S. Bank
  Ally Bank Cuts Rates - Linked to the GMAC Bailout?
  FAB&T Announces Major Cuts in Its Reward Checking Account - Future of Reward Checking?
• 29th
  1.80% Money Market Account & 3% 36-Month CD at Southern Community Bank and Trust in NC - Available Nationwide
  2.10% 12-Month CD at UmbrellaBank - Available Nationwide
  2.50% 12-Month CD at DOCO Regional FCU in GA & NC - Local Only
  2.25% 12-Month & 1.90% 9-Month CD at Bank Midwest in MO & KS
  2.40% 15-Month CD & 2.00% 6-Month CD at Southern Commerce Bank in FL Continues
• 28th
  2.00% 12-Month CD, 2.50% 23-Month CD & 3.25% 42-Month CD at Regions Bank in Several States
  Another Case of a Bank Discouraging Small Debit Card Purchases in its Reward Checking Account
  Benefits of Online Banking
• 27th
  GMAC Reported To Have Agreed to Deposit Rate Limitations
  Update on SFGI Direct - The Top Online Savings Account
  Review of Sovereign Bank's Save & Invest CD Package
  Update on Wilshire State's Bank Installment Savings Account
  2.40% 24-Month Internet CD at Atlantic Coast Bank - Available Nationwide
  5.00% Reward Checking Account at Saginaw Medical FCU in MI - Local Only
  1.88% 6-Month CD at United Pacific Bank in California - Local Only
• 26th
  ING Plans to Divest ING Direct - What It Might Mean for ING Direct Customers?
  2.60% 30-Month CD at Navy Federal Credit Union - Nationwide but Limited Membership
  3.30% Reward Checking Account at Texas Gulf Bank - Local Only
  2.00% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership
• 25th
  $150 Checking Account Bonus and Other Deposit Deals at Flushing Savings Bank in NY - Local Only
  Credit Union Liquidation without the NCUA
  3.50% 60-Month CD at Banco Popular in CA, NY & FL - Local Only
  2.00% Savings Account at Unity Bank in NJ & PA - Local Only
  2.10% Savings Account & 2.15% 12-Month CD at Valliance Bank in Texas - Local Only
• 23rd
  106 Bank Failures for 2009
  Barron's Front Page: It's Time to Raise Rates, Ben
  2.15% 18-Month CD & 2.35% 24-Month CD at MetLife Bank - Available Nationwide
  2.00% High-Yield Checking With No Debit Card Requirements at PriorityONE Credit Union of Florida - Local Only
  2.65% 24-Month CD & 2.20% 12-Month CD at Signature Bank in New York City - Local Only
  2.50% 24-Month CD at Clinton Savings Bank in MA - Local Only
  2.25% 18-Month CD at Charter Bank in New Mexico - Local Only
  Money Doesn't Grow on Trees But You Can Make Money Grow Faster with Money Market Accounts
• 22nd
  2.15% 9-Month CD & 2.00% 5-Month CD at EDS Credit Union in Several States - Local Only
  2.89% 18-Month CD at Blue Ridge Savings Bank in NC & SC - Local Only
  2.25% 12-Month CD at Academy Bank in Colorado - Available Nationwide
  3.26% Reward Checking Account at Park Community FCU in KY, IN, GA & AL - Local Only
  2.50% 24-Month CD, 3.50% 60-Month CD & a 2% Money Market Account at Broward Bank of Commerce in FL - Local Only
  2.05% 9-Month CD at The Dime Bank in Pennsylvania - Local Only
• 21st
  WaPo Article Sums Up the Plight of the Savers
  High-Yield Reward Checking Account at Commerce National Bank in Texas - Local Only
  2.38% 18-Month CD at Regal Bank in Northern New Jersey - Local Only
  2.75% Savings Account ($10K Max) at North Middlesex Savings Bank in MA - Local Only
• 20th
  Online Savings Account with Rates up to 2.15% at Stock Yards Bank in Parts of OH & IN - Local Only
  2.43% 18-Month CD & 2.78% 24-Month CD at First National Bank in Texas - Local Only
  4 of the Most Common Personal Finance Mistakes
• 19th
  Potential Issues When You're Opening Reward Checking Accounts
  High-Yield Reward Checking Account at Geo. D. Warthen Bank in Georgia - Local Only
  2.00% 9-Month CD at Service Credit Union - Limited Membership
  2.83% 24-Month CD at Olin Community Credit Union in MO & IL - Local Only
  Up to $250 Checking Account Bonus at NewAlliance Bank in MA & CT - Local Only
• 18th
  Update on ACH Transfers at PenFed and the Issue of Restrictive ACH Policies
  $125 to $225 Checking Account Bonuses at KeyBank - Only Certain States
  High-Yield Reward Checking Account at CoreFirst Bank & Trust - Local Only
  CD Rates of 2.01% to 4.25% at Universal 1 Credit Union in Ohio - Local Only
  2.25% Savings Account with Rate Guaranteed to 11/16/2010 at Northwest Savings Bank in Rochester, NY Only
• 17th
  Benefits of Fixed Rate IRAs
• 16th
  99th Bank Failure of 2009 - San Joaquin Bank in California
  Update on Series I Savings Bonds: Next Inflation Component Will Be 3.07%
  5.01% Reward Checking Account at Landmark Bank in Louisiana - Local Only
  3.00% 29-Month CD at New Carlisle Federal Savings Bank in Ohio - Local Only
  World Series Certificate Special with a Rate up to 2.93% for 24 Months at Numerica Credit Union in WA & ID - Local Only
• 15th
  Rip-off Alert - Chase CD Early Withdrawal Penalty
  2.75% 12-Month CD at F&M Bank in Tennessee - Local Only
  2.75% Reward Checking Account at F&M Bank in Tennessee - Local Only
  2.00% 6-Month CD at Vision Bank Texas - Local Only
  Don't Call it a Comeback
• 14th
  2.50% 13-Month CD & 3.00% 25-Month CD at The East Carolina Bank - Local Only
  4.00% 7-Month ($2.5K Max) at Technology Credit Union in CA on International Credit Union Day - Local Only
  2.30% 15-Month CD at TIB Bank in Florida - Local Only
  2.25% 15-Month CD at American Heritage FCU in Philadelphia - Local Only
  2.20% 16-Month CD & 2% 8-Month CD at San Francisco FCU - Local Only
• 13th
  Update on Wilshire State Bank Installment Savings Accounts - Available Nationwide
  Reward Checking Account Update - Another Nationwide Deal
• 12th
  High-Yield Online Savings Account and Sign-up Bonus at BankOn for NE, CO, KS, MO & WY Only
  Credit Card Fee Legislation May Impact Reward Checking Accounts
  3.25% Reward Checking Account and 1.85% Online Savings Account at QNB Bank in PA - Local Only
  2.90% 29-Month CD at Money One FCU in Maryland - Local Only
• 11th
  Amboy Direct Increases Rate of 12-Month Add-On CD to 2.10% - Available Nationwide
  2.00% 5-Month CD at Chartway FCU in Several States
  $200 Checking Account Bonus at New KeyBank Branches in Colorado - Local Only
  2.30% 18-Month CD & Other Competitive CDs at FirsTier Bank in Colorado - Local Only
• 10th
  Details of Wells Fargo's New Way2Save Program - Big Changes from Wachovia's Way2Save
• 9th
  A Rare Friday That's Free of Bank Failures
  KeyDirect Is No Longer Accepting New Customers
  2.68% 18-Month CD & 3.19% 30-Month CD at El Paso Area Teachers FCU in Texas - Local Only
  2.25% 7-Month CD & 2.35% 13-Month CD at Mid-Minnesota FCU - Local Only
• 8th
  2.00% 9-Month CD at Digital Credit Union - Easy Membership
  2.50% 15-Month CD at O Bee Credit Union in Washington State - Local Only
  60-Month CD at Legacy Community FCU in Alabama - Local Only
  Capital One Update: New $50 Bonus, Faster Incoming ACH Transfers, CD Rates Up
  High-Yield Reward Checking Account at South Carolina Bank and Trust - Local Only
  4.07% 60-Month CD at IH Mississippi Valley Credit Union in IL & IA - Local Only
  Group of Bandits Creates Their Own Stimulus Package
  The Differences Between Certificate of Deposits and Brokered Certificate of Deposits
• 7th
  2.25% 7-Month CD Continues at Eastern Financial Florida CU (Division of SCCU) - Local Only
  2.50% 16-Month Jumbo CD Continues at Teachers Federal Credit Union in New York - Local Only
  2.25% Money Market Account at Citizens Community Federal in WI & MN - Local Only
  ING Direct's Added Value CD - 2.25% 12-Month CD with New Money
• 6th
  4.25% Reward Checking Account at First State Bank in Tennessee - Local Only
  3.25% 40-Month CD at Legacy Banks in NY & MA - Local Only
  3.00% 30-Month CD & 2.50% 18-Month CD at Leominster Credit Union in MA - Local Only
  2.25% 14-Month CD & 3.25% 48-Month CD at River Works Credit Union in MA - Local Only
  2.20% 14-Month CD & 3.00% 36-Month CD at MidFirst Bank in AZ & OK - Local Only
• 5th
  2.50% 13-Month CD at First Citizens Bank in SC & GA - Local Only
  3.00% 36-Month CD, 3.50% 60-Month CD & Other Competitive CD Rates at Hudson City Savings Bank - Available Nationwide
  $100 Checking Account Bonus and a Savings Program at Citizens Bank in Several States
  $35 Bill Pay Bonus at Bank of America
  High-Yield Reward Checking Account at First Nebraska Bank - Local Only
  2.02% 9-Month CD at Rollstone Bank & Trust in MA - Local Only
  2.53% Money Market Account at Castle Rock Bank in Minnesota - Local Only
• 4th
  Competitive Money Market Account Continues at Connexus Credit Union - Available Nationwide
  2.20% 18-Month CD at NASA Federal Credit Union - Easy Membership
  2.50% 18-Month CD & 2.25% Money Market Account at AztecAmerica Bank in Chicago - Local Only
  $100 Checking Account Bonus at Northwest Savings Bank in FL, NY, PA, OH & MD
  2.25% Money Market Account at State Bank & Trust Company in Georgia - Local Only
• 3rd
  Money Market Accounts as Profitable Investment Strategies
• 2nd
  Three Banks and Two Credit Unions Failed This Week
  Competitive 12-Month CD Rate at ING Direct - Available Nationwide
  2.10% CD for Terms of 7 to 13 Months at Washington Federal Bank for Savings in Chicago - Local Only
  Ally Bank Raises Rates of Its Online Savings Account and 12-month CD - Available Nationwide
  3.09% 27-Month CD & 2.78% 12-Month CD at Wings Financial CU - Limited Membership
  High-Yield Reward Checking Account at First Missouri Credit Union - Local Only
  High-Yield Reward Checking Account at Integrity Bank in Houston - Local Only
  3.75% 60-Month CD at Fidelity Bank of Florida - Local Only
  3.00% 36-Month CD & 2.10% 17-Month Add-On CD at SchoolsFirst FCU in CA - Local Only
• 1st
  ProvidentNJ Direct's New Limit on External Transfers
  4.00% Reward Checking Account at Market USA Federal Credit Union in MD, MA & SC - Local Only
  2.25% 13-Month CD & 1.95% 7-Month CD at Bank of Granite in North Carolina - Local Only

September 2009

• 30th
  SFGI Direct's 2.25% Online Savings Account Is Open Again But With Changes
  Depositors Suffer from the Bank Failures of Corus and Irwin Union Bank
  2.10% 10-Month CD & 2.30% 15-Month CD at National Bank of South Carolina - Local Only
  CD Rates Fall at Melrose Credit Union But Remain Competitive - Available Nationwide
  2.75% 25-Month CD at Southern Bank in MO & AR
  2.50% 2-Year CD & Other Competitive CD Rates Continue at Pinnacle Bank in Florida - Local Only
• 29th
  FDIC Releases Plan for Banks to Bolster FDIC Deposit Insurance Fund
  High-Yield Reward Checking Account at KANZA Bank in Kansas
  2.00% 10-Month CD at Harleysville National Bank in PA - Local Only
  2.02% 6-Month CD & 2.07% 9-Month CD at North Cascades National Bank in Washington State - Local Only
• 28th
  2.50% 13-Month CD & 2.26% 7-Month CD at The Farmers Bank in Tennessee
  2.25% 11-Month CD at Colonial Bank Branches of BB&T
  Tennessee Commerce Bank Stops Offering the 2.30% TCB Savings Account
  Credit Union News - Closures and Premium Assessments
  Social Security: The Basics
• 27th
  Capital One's SmartCents - Comparison to Bank of America's KTC and Other Savings Programs
  2.50% 18-Month CD at Centrue Bank in Illinois - Local Only
  4.51% Reward Checking Account at Advantage Plus FCU in Idaho - Local Only
  2.00% Reward Checking Account at Amegy Bank in Texas - Available Nationwide
• 25th
  95th Bank Failure of 2009 and Other FDIC and NCUA News
  High-Yield Reward Checking Account with a $50K Cap at North Country Savings Bank - Available Nationwide
  2.01% 10-Month CD at Charter Bank in New Mexico - Local Only
  2.30% 15-Month CD & Other Competitive CD Rates at Magnify Credit Union in FL - Local Only
  3.80% 60-Month CD at PrimeWay Federal Credit Union in Houston - Local Only
  2.50% 17-Month CD at MoreBank in Philadelphia - Local Only
  3.25% 8-Month CD at Pentucket Bank in MA & NH - Local Only
• 24th
  Alliant Credit Union Increases CD Rates, Holds Savings Account Rate Steady - Available Nationwide
  2.40% 18-Month CD & Other Competitive CD Rates at Signature Bank in New York City - Local Only
  $100 TD AMERITRADE Deposit Account Bonus
  3.51% Reward Checking Account at GENCO FCU in Texas - Local Only
  3.00% 12-Month CD at Xceed Financial Credit Union in California - Local Only
  2.19% 6-Month CD & 2.39% 12-Month CD at Gogebic Range Bank in Michigan - Local Only - Update
  2.19% 6-Month CD & 2.39% 12-Month CD at Gogebic Range Bank in Michigan - Local Only
• 23rd
  Fed Leaves Rates Unchanged: When Will the Fed Start Hiking?
  Nationwide Liquid Certificates of Deposit
  3.00% 12-Month CD & 2.70% 6-Month CD at 1st Commonwealth Bank of Virginia - Local Only to DC Metro Area
  3.50% Reward Checking Account at Entrust Federal Credit Union in Virginia - Local Only
  2.75% 29-Month CD at American Eagle Bank of Chicago - Local Only
• 22nd
  Review of Liquid Certificates of Deposit - Gimmicks or Worthwhile Deals?
  2.20% 12-Month CD in MA & 2.20% 18-Month CD in FL at Trustco Bank - Local Only
  3.04% 24-Month CD at Icon Bank in Houston - Local Only
  5.01% Reward Checking Account at First National Bank of Syracuse in Kansas - Local Only
  $100 Checking/Savings Account Bonus at Sovereign Bank in the Northeast States
  2.50% 15-Month CD & 3.09% Savings Account at Dupaco Community Credit Union in IA, IL & WI - Local Only
  2.00% 6-Month CD & 2.20% 12-Month CD at Marquis Bank in South Florida - Local Only
  Wells Fargo Executive Fired for Partying in Foreclosed Home
• 21st
  Non-Illinois Corus Bank Depositors Report Harsh Treatment by MB Financial
  Important Features and Potential Issues of Certificates of Deposit
  4.00% Reward Checking Account at Cambridge Savings Bank - Massachusetts Only
  2.30% 12-Month CD at CoVantage Credit Union in WI & MI - Local Only
• 20th
  Tips for Those With Maturing CDs at PenFed and Other Credit Unions
  2.50% 24-Month CD and Competitive Savings Account at Hudson City Savings Bank - Available Nationwide
  3.25% 42-Month CD & 2.50% 23-Month CD at Regions Bank in Several States
  4.01% Reward Checking Account at Girard National Bank in KS & CO - Local Only
  2.50% 6-Month CD and other Competitive CD Rates at Atlanta Postal Credit Union - Local Only
• 18th
  Irwin Union Banks Closed by Regulators, First Financial Bank Assumes All Deposits
  3.50% Reward Checking Account at Scituate Federal Savings in MA - Local Only
  4.07% 18-Month CD ($25K Max) Continues at Citibank via its Secured MasterCard Program
  2.75% 24-Month CD & 3.00% 36-Month CD at First Priority Credit Union in MA - Local Only
  2.17% 12-Month CD at Town & Country Bank in Las Vegas - Local Only
  Timing is Everything When Converting Traditional IRA to Roth IRA
• 17th
  $300 Checking Account Bonus at Dime Bank in New York
  2.00% Money Market Account and $200 Checking Account Bonus at Investors Savings Bank in NJ - Local Only
  2.24% 12-Month CD & 2.72% 24-Month CD at City Bank - Washington State Only
  3.00% Savings Account at South Central Bank of Hardin County in Kentucky - Local Only
  4.34% Reward Checking Account at First National Bank of Trenton in TX - Local Only
  2.50% 14-Month CD at Credit Unions United in Kansas - Local Only
  2.25% 15-Month CD at Lincoln Federal Savings Bank in Nebraska - Local Only
• 16th
  2.06% 12-Month CD and a Special 5% 5-Month CD ($5K Max) at People's Trust FCU in Houston - Easy Membership
  2.22% 13-Month CD at Great Western Bank in Colorado - Local Only
  US Bank's New Savings START Program and Review of Other Savings Programs
  5.00% Reward Checking Account at Texas Heritage National Bank - Local Only
  Keep Your Financial Strategy in Good Times
• 15th
  2.25% 12-Month CD at Metlife Bank - Available Nationwide
  2.14% 14-Month CD at Stonebridge Bank in PA - Nationally Available
  5.00% Reward Checking Account at Bank of Edwardsville in Illinois - Local Only
  2.10% 11-Month CD at Jeanne D'Arc Credit Union in MA & NH - Local Only
• 14th
  MB Financial's Plans for Corus Bank Deposits
  2.38% 12-Month CD at First Choice Bank in California - Local Only
  4.01% Reward Checking Account at University Credit Union in Maine - Local Only
  Follow-Up on Credit Unions Converting from Federal to Private Insurance
  5.01% Reward Checking Account at Carter FCU in LA & AR - Local Only
  2.25% 12-Month CD & 2.75% 24-Month CD at Bank of Oswego in Oregon - Local Only
  2.00% 6-Month CD & 2.20% 12-Month CD at Communication FCU in OK - Local Only
• 13th
  High-Yield Reward Checking Account at Waterbury Connecticut Teachers FCU - Local Only
  2.17% 12-Month CD at FirsTier Bank in Colorado - Local Only
  Update on ING Direct's Electric Orange $50 Promotion - Update
  $100 Checking Account Bonus at Bank of America - Update 2
  2.29% 18-Month CD & 2.09% 12-Month CD at First Entertainment Credit Union in California - Local Only
• 11th
  Corus Bank is Closed by Regulators, MB Financial Bank Assumes All Deposits
  Update on Chase Checking Account Bonuses and Redeeming Chase/WaMu CDs
  HSBC Direct Online Payment Account $50 Bonus
  $100 Bonus for Opening PNC's Virtual Wallet with Direct Deposit
• 10th
  Credit Union Members Beware: Your Credit Union May Drop Federal Deposit Insurance
  5.01% Reward Checking Account at Farmers & Merchants Bank in Wisconsin - Local Only
  5.01% Reward Checking Account at Farmers State Bank in Iowa - Local Only
  4.07% Reward Checking Account at First Southern National Bank in Georgia - Local Only
  2.75% 23-Month CD at Golden Plains Credit Union in Kansas - Easy Membership
  2.52% Money Market Account at South Florida Federal Credit Union - Local Only
  2.30% 12-Month CD & 2.10% Money Market at United Midwest Savings Bank in Ohio - Local Only
  The Best Ways to Make a Savings Account Work for You
• 9th
  Proposed Overdraft Fees Legislation and Impact to Reward Checking
  3.00% 25-Month CD & 2.50% 13-Month CD with Add-On Feature at America's Credit Union - Easy Membership
  2.00% 5-Month CD & 2.25% 10-Month CD at Walden Savings Bank in New York - Local Only
  Multiple Savings Accounts Help Manage Your Money
• 8th
  2.35% 9-Month CD & 2.15% 5-Month CD at EDS Credit Union in Several States - Local Only
  2.50% 24-Month CD & an Equity Index CD at BBVA Compass in Several States
  2.25% 15-Month CD at Western Springs National Bank & Trust in Illinois - Local Only
  2.25% 12-Month CD at United Western Bank in Colorado - Local Only
  2.17% 12-Month Jumbo CD at Austin Telco FCU in Texas - Local Only
• 7th
  2.00% 6-Month CD at H&R Block Bank - Available Nationwide
  3.00% 36-Month Triple Option CD at Southern State Bank in Arkansas - Local Only
  5.01% Reward Checking Account at Farmers Bank & Trust in Arkansas - Local Only
  Who Does the Banking in Your Family?
• 6th
  Federal Reserve Changes Reg D To Allow 6 Checks Per Month in Money Market Accounts
  High-Interest Reward Checking Account at MB Financial Bank in IL, IN & PA - Local Only
  High-Yield Reward Checking Account at UniWyo FCU in Wyoming - Local Only
  2.30% 17-Month CD at Bank of American Fork in Utah - Local Only
  2.50% 12-Month CD at Valley National Bank Branch in New York City - Local Only
• 5th
  Banks Lose Money Again – How to Keep Yours
  Roth vs. Traditional IRA – What’s The Difference?
• 4th
  Five Banks Fail, FDIC Couldn't Find a Buyer for One
  Two Hot Reward Checking Accounts Available Nationwide
  Competitive CD Rates at Nationwide Bank - Nationally Available
  High-Yield Reward Checking Account at Co-Op Credit Union in Wisconsin - Local Only
  2.25% 12-Month CD at Idaho Banking Company - Local Only
  2.23% 12-Month Liquid CD at Nevada Security Bank - Local Only
• 3rd
  2.25% 7-Month CD at Pan American Bank in Chicago - Local Only
  Installment Savings Account with Rates Up to 4.86% at Center Bank in CA, WA & IL - Local Only
  $100 Checking Account Bonus (DD Not Required) at BB&T in the Southeastern States Only
• 2nd
  Competitive Mid-Term and Long-Term CD Rates at Northwest FCU - Easy Membership
  2.37% 18-Month CD at BankUnited in Florida - Available Nationwide
  Update on Citibank's CDs - Branch Specials & Secured MasterCard CD - Update
  2.60% 24-Month CD & 3.00% 36-Month CD at Madison National Bank in New York - Local Only
  $135 Checking Account Bonus at Madison National Bank in New York - Local Only
• 1st
  3.00% 9-Month CD at First Priority Credit Union in MA - Local Only
  4.00% 7-Year CD Continues But Other CD Rates Have Fallen at Pentagon FCU
  5.25% Reward Checking Account at Britton & Koontz Bank in MS & LA - Local Only
  3.50% 55-Month CD & 2.25% 18-Month CD at NASA Federal Credit Union - Easy Membership
  $150 Checking Account Bonus at Southwest Bank in Missouri - Local Only

August 2009

• 31st
  3.00% Reward Checking Account at First American Bank in New Mexico - Local Only
  2.50% 12-Month CD & 2.75% 24-Month CD at GreenBank in TN - Local Only
  4.01% Reward Checking Account at Community Bank of Parkersburg in WV - Local Only
  2.00% 9-Month CD, 2.50% 19-Month CD & 3.00% 29-Month CD at West End Bank in Indiana - Local Only
  2.00% 6-Month CD & 2.40% 15-Month CD at Southern Commerce Bank in Florida - Local Only
  $75 Checking Account Bonus (no DD Required) at Marquette Bank
• 30th
  My Experience Closing a WaMu/Chase CD and Tips on Redeeming CDs
  Canceled: Reward Checking Account at Foundations Bank in Wisconsin - Local Only
  2.45% 24-Month Add-On CD & 2.15% 12-Month CD at NexBank in Texas
  $100 Checking Account Bonus at GreenBank
• 29th
  5 Ways Credit Unions Beat Banks
  The Quick Guide to Selecting the Right Checking Account: Just 4 Steps
• 28th
  Review of Today's 3 Bank Closures and Update on Community Bank of Nevada's Closure
  2.51% 18-Month CD at Standard Bank and Trust Co. in Chicago - Local Only
  High-Yield Reward Checking Account at Standard Bank and Trust Co. in IL & IN - Local Only
  2.15% 14-Month CD at Guaranty Bank (now part of BBVA Compass) in TX & CA - Local Only
  Another CD Promotion at Irwin Union Bank
• 27th
  FDIC's Second Quarter Report - Number of Problem Banks Increase to 416
  $100 Checking Account Bonus at SharePlus Federal Bank in CA, TX, IN & KY - Local Only
  2.98% 24-Month CD at First Bank & Trust in Lubbock Texas - Local Only
  2.32% 9-Month CD at Peoples National Bank in the Florida Panhandle - Local Only
  2.50% 21-Month CD at Banner Bank in WA, OR & ID - Local Only
• 26th
  FDIC Eases Requirements for Buyers of Failed Banks
  Update on Darby Direct's 36-Month Step Up CD
  1.96% 6-Month CD at Washington Federal Bank for Savings in Chicago - Local Only
  Update on Citibank's CDs - Branch Specials & Secured MasterCard CD
  2.10% 16-Month CD & 3.00% 36-Month CD at Mutual of Omaha Bank in CA, NV, AZ, CO & NE - Local Only
  2.25% 12-Month CD & 2.75% 24-Month CD at Neighbors FCU in Louisiana - Local Only
  High-Yield Reward Checking Account at Neighbors Federal Credit Union in Louisiana - Local Only
• 25th
  Update on Alliant Credit Union's Savings Account and Checking Account
  4.07% Reward Checking Account at Maine State Credit Union - Local Only
  2.50% 12-Month CD at Settlers Bank in Wisconsin - Local Only
  2.30% 15-Month CD & 2.60% 25-Month CD at Veridian Credit Union in Iowa - Local Only
  CD Rates From 2% to 4% at Police and Fire FCU in Pennsylvania - Local Only
• 24th
  2.25% 16-Month CD at DollarSavingsDirect - Available Nationwide
  4.50% Reward Checking Account at Texas Heritage Bank - Local Only
  2.25% 15-Month CD at Insight Financial Credit Union in Central Florida - Local Only
  2.27% 15-Month CD & 2.78% 23-Month CD at Barnes Banking Co. in Utah - Local Only
• 23rd
  4.25% Reward Checking Account at Standard Register Federal Credit Union in Ohio - Local Only
  2.25% Reward Checking Account at Nevada State Bank - Local Only
  2.33% 12-Month CD at The Bank of Denver - Local Only
  2.25% 12-Month & 2.58% 24-Month CD at Riverside National Bank in East FL - Local Only
• 22nd
  2.15% 10-Month CD and Other Competitive Rates at OneWest Bank - Available Nationwide
  How to Find a Financial Planner
  4 Different Certificate of Deposit Options
• 21st
  Guaranty Bank in Texas, ebank in Georgia and 2 Other Banks are Closed by Regulators
  Causes of Guaranty Bank's Problems and an Unofficial Bank Problem List
  Bank of America's Introductory Rate Money Market Savings Account
  2.50% 12-Month CD & 3.10% 3-Year CD at Eastman Credit Union in TN, VA, TX, SC & AR - Local Only
  2.40% 11-Month CD & 2.65% 18-month CD at Island FCU in New York - Local Only
  $100 Checking/Savings Account Bonus at Central Bancompany Banks in MO, KS & OK - Local Only
• 20th
  2.50% Reward Checking Account at Mascoma Savings Bank in NH & VT - Local Only
  2.12% 12-Month CD & 3.25% 36-Month IRA CD at Atlas Savings in New York - Local Only
  2.01% 7-Month CD at Eastern National Bank in South Florida - Local Only
  2.15% 15-Month CD and CD IRA at Parke Bank in NJ & PA - Local Only
  4.01% Reward Checking Account at Bank of Beaver City in OK & KS - Local Only
• 19th
  2.25% 12-Month CD & 2.05% 6-Month CD at Metro United Bank in California - Local Only
  2.59% 10-Month CD at Altana FCU in Montana - Local Only
  High-Yield Reward Checking Account at Vision Bank - Texas - Local Only
  EXPIRED: 2.30% 16-Month CD at Hillcrest Bank - Available Nationwide
  4.15% 60-Month CD & 2.15% 12-Month CD at Neighborhood Credit Union in Texas - Local Only
  2.50% 18-Month CD & 2.25% 12-Month CD at HarVest Bank of Maryland - Local Only
• 18th
  Update on Citibank's CD Specials - 4.00% 60-Month CD Continues in Some States
  State Farm Bank Continues to Offer a Competitive Regular Checking Account
  Small and Large CD and Checking Account Deals at Apple FCU in Virginia - Easy Membership
• 17th
  KeyBank's Garmin GPS Checking Account Promotion
  2.70% 6-Month & 12-Month CD at Rock Valley Credit Union in IL - Local Only
  Update on Amboy Direct Savings Accounts, Bonuses and CDs
  2.70% 18-Month CD and 2.50% Checking at First Commercial Bank in Minnesota - Local Only
  EXPIRED: 2.30% 15-Month CD & Other Competitive CD Rates at a Bay Cities Bank in Florida - Local Only
• 16th
  High-Yield Reward Checking Account at Plus4 Credit Union in Texas - Local Only
  2.10% 9-Month CD & 2.50% 25-Month CD at Workers Credit Union in MA & NH - Local Only
  High-Yield Reward Checking Account at Citizens Union Savings Bank in MA & RI - Local Only
  $25 Bonus On Discover Bank's 2% 12-Month CD - Nationally Available
  2.00% 7-Month CD at Harleysville National Bank in PA - Local Only
  Checking Account Bonus up to $150 at Valley National Bank in New Jersey - Local Only
  Checking Account Bonus up to $150 at CoreFirst Bank & Trust in Colorado - Local Only
• 15th
  4.00% 36-Month CD & 2.75% 18-Month CD at Darby Direct - Georgia Only
• 14th
  Colonial Bank Closed by Regulators - Largest Bank Failure in 2009 and 6th Largest in US History
  SmartyPig Savings Account Rate Scheduled to Drop from 2.75% to 2.01%
  $100 Checking Account Bonus and an Online Savings Account at Bank of the West
  High-Yield Reward Checking Account at United Bank in Arkansas - Local Only
  $150 Checking and Savings Account Bonus at Independence Bank in California - Local Only
  2.40% 12-Month CD at Cecil Bank in Maryland - Local Only
• 13th
  Flooded by Deposits, Banks Restricting Applications - FAB&T and SFGI Direct
  Reward Checking Account at Union Center National Bank in New Jersey - Local Only
  2.50% 7-Month CD & 2.60% 11-Month CD at Fort Knox Federal Credit Union in Kentucky - Local Only
  2.25% 12-Month CD at Bank USA in Arizona - Local Only
• 12th
  FOMC Meeting - Rates Stay Near Zero
  Downsizing of Mutual Bank CD Rates
  2.43% 12-Month CD & Other Competitive CD Rates at Qualtrust Credit Union in Texas - Local Only
  2.75% 11-Month CD at Idaho Central Credit Union - Local Only
  Saving When You're Young
• 11th
  Competitive Savings Accounts and CDs at Golf Savings Bank - Available Nationwide
  2.50% 12-Month CD & 2.25% 6-Month CD at Valley National Bank at a NY Branch - Local Only
  2.00% Checking Account with Rate Guaranteed for One Year at Flagstar Bank
  2.75% 32-Month CD at Wachovia on the East Coast and Other Wachovia/Wells Fargo Deals
  How to Open a Money Market Account
• 10th
  2.00% Money Market Account with Rate Guaranteed until 2010 at Bank of America for NEA Members
  2.50% Savings Account with Rate Guaranteed Until 2010 at Minnwest Bank in MN & SD - Local Only
  Update on Clear Sky Account's Competitive Savings and Checking Accounts - Available Nationwide
  High-Yield Reward Checking Account at Sooper Credit Union in Colorado - Local Only
  Up to $100 New Account Bonus at National Bank of Kansas City - Local Only
  2.50% 2-Year CD & 3.25% 4-Year CD at Pinnacle Bank in Florida - Local Only
  2.40 18-Month CD at Asian Bank in Philadelphia - Local Only
  2.50% 15-Month CD at Second Federal Savings in Chicago - Local Only
• 9th
  Wilshire State Bank's Flex CDs - Available Nationwide
  High-Yield Reward Checking Account at Legacy Community FCU in Alabama - Local Only
  2.02% 5-Month CD & 2.12% 13-Month CD at Stillwater National Bank in OK - Local Only
  $100 Checking Account Bonus at Elevations Credit Union in Colorado - Local Only
• 8th
  Maintain Your IRA With an Annual Checkup
• 7th
  More Friday Bank Closures - What Depositors Might Lose
  Competitive CD Rates and Money Market Rates Continue at United Central Bank - Available Nationwide
  2.25% Reward Savings Account at Sutton Bank Available in OH, MI, IN & KY
  Savings Accounts in College Life
• 6th
  3.01% Reward Checking Account at Premier Valley Bank in California - Local Only
  2.50% 13-Month CD at The Palm Bank in Florida - Local Only
  4.07% 18-Month CD ($25K Max) at Citibank - Nationally Available
• 5th
  3.10% 10-Month CD at Pacific Crest Savings Bank in Washington State - Local Only - Update
  2.50% 12-Month CD at Advantage National Bank in the Chicago Metro Area - Local Only
  PenFed's Cash Back Credit Card Back-to-School Promo
  2.35% 12-Month CD at Delta Community Credit Union - Easy Membership
  2.50% 18-Month CD & Other High CD Rates at Montauk Credit Union in New York - Local Only
  5.00% Reward Checking Account at Marine FCU in NC & VA - Local Only
• 4th
  Competitive CD Rates at USAA Federal Savings Bank - Nationally Available
  2.25% 7-Month Jumbo CD & Other Competitive CDs at Consumers Credit Union - Easy Membership
  3.25% 4-Year CD at First Trade Union Bank - Available Nationwide
  2.50% 16-Month CD at Teachers Federal Credit Union in New York - Local Only
  2.00% 7-Month CD & 2.50% 18-Month CD at Leominster Credit Union in MA - Local Only
• 3rd
  5.10% Reward Checking Account at BC National Bank in Missouri - Local Only
  Update on Chase Checking Account Bonuses and WaMu Conversions
  2.25% 18-Month CD & 2.50% 24-Month CD at Pacific Premier Bank in Southern California - Local Only
  2.50% 18-Month CD & 2.75% 24-Month CD at International Bank of Chicago - Local Only
  2.02% 8-Month CD & 3.57% 55-Month CD at Farmers State Bank in Iowa - Local Only
• 2nd
  Short List of the Top Online Savings Accounts
  3.25% 24-Month CD & 2.50% 12-Month CD at Texas Security Bank

July 2009

• 31st
  Five Banks Close Including Mutual Bank - 69 Bank Failures So Far This Year
  2.25% 11-Month CD at First National Community Bank
  2.53% 12-Month CD & 2.78% 24-Month CD at American Plus Bank N.A. in California - Local Only
  2.25% 10-Month CD at American Heritage FCU in Philadelphia - Local Only
  Should You Take a 401(k) Loan?
  7 Key Issues to Choosing a Checking Account
• 30th
  2.47% 17-Month CD at Security Savings Bank in Kansas
  2.75% 15-Month CD & 3.75% 27-Month CD at Enterprise Bank of South Carolina - Local Only
  2.05% 7-Month CD at MidCoast Community Bank in Delaware - Local Only
  4.01% Reward Checking Account at First National Bank of Pontotoc in MS - Local Only
  Review of Market-Indexed CDs
  2.25% 12-Month CD & 2.70% 24-Month CD at Equity Bank in Dallas - Available Nationwide
  2.85% 25-Month CD at First National Bank in Texas - Local Only
  2.78% 24-Month CD & 3.05% 36-Month CD at Orange Bank of Florida - Local Only
  3.25% 37-Month CD at Florida Bank - Local Only
• 29th
  Discover Bank's CD Promotion for Discover Credit Card Customers
  2.40% 12-Month CD & 2.80% 24-Month CD at Frontier Bank in WA & OR - Available Nationwide
  E-LOAN's CD Rates and Warnings About CD Maturity
  2.60% 24-Month CD at Kaiser Federal Bank in California - Available Nationwide
• 28th
  Useful IRA CD Feature at Pentagon Federal Credit Union
  ShoreBank Direct Online Savings Account Rate Increased to 2.15%
  Update on Rate Guarantees and Availability of Reward Checking Accounts
  2.75% 25-Month CD at Crane Federal Credit Union in Indiana - Available Nationwide
  2.11% Money Market Account Indexed to the Prime Rate at Signature Bank of Georgia - Local Only
• 27th
  2.28% 12-Month CD and 1.81% Money Market Account at Gold Canyon Bank in Arizona - Local Only
  2.01% Short-Term CDs at Stearns Bank in AZ & MN - Local Only
  3.15% 22-Month CD at Citizens First Bank in Michigan - Available Nationwide
  Those 5% WaMu CDs Are Nearing Maturity - Issues to Consider
  3.50% Reward Checking Account at Brenham National Bank in Texas - Local Only
• 26th
  Competitive CD Rates at State Bank of India's U.S. Subsidiaries
  3.25% 42-Month CD at Regions Bank in Several States
  Where to Save Your Money During a Recession
  Choosing Checking Accounts for Teenagers
• 25th
  Internet Banks and Rate Chasing - Is It Worth It?
  Competitive Online Savings Account at SFGI Direct
  Competitive Money Market Account and CDs at Connexus Credit Union - Available Nationwide
• 24th
  One New York Bank and Six Georgia Banks Are Closed by Regulators
  2.50% 13-Month CD & 2% Money Market at Umpqua Bank in WA, OR & Northern CA - Local Only
  5.00% 6-Month CD ($25K Max) at Tyndall Online Credit Union in FL Panhandle - Local Only
• 23rd
  2.25% 7-Month CD at Eastern Financial Florida/Space Coast CU - Local Only
  2.45% 24-Month Bump-Up CD at Beacon Federal Bank - Available Nationwide
  4.01% Reward Checking Account at Salisbury Bank in CT, MA & NY - Local Only
  2.57% 24-Month CD and Other Competitive CD Rates at Austin Telco FCU in Texas - Local Only
  4.00% 60-Month CD Continues at Fidelity Bank of Florida - Local Only
  2.25% 12-Month CD & 2.50% 12-Month IRA CD at Sun West Bank in Nevada - Local Only
• 22nd
  Credit Card Interchange Fees and Reward Checking Accounts
  Bernanke's Testimony - No Signs of Higher Interest Rates
  3.25% Reward Checking Account at Cattaraugus County Bank in Western New York - Local Only
  2.55% 18-Month CD and Other High CD Rates at Access Credit Union in IL - Local Only
  Up to 3.02% 24-Month CD at Raytown-Lee's Summit Credit Union in MO - Local Only
  2.22% 12-Month CD at LibertyPointe Bank in New York - NY, NJ & CT Residents Only
• 21st
  3.35% Reward Checking Account and 1.81% e.Savings Account at Peoples Bank in NC
  Competitive CDs and Checking Account at Virginia Commerce Bank - Local Only
• 20th
  12% 12-Month CD ($1,200 Max) at Premier America Credit Union in CA & TX - Local Only
  3.25% 12-Month CD & 3.00% 6-Month CD at 1st Commonwealth Bank of Virginia - Local Only
  4.00% 59-Month CD at US Bank Branches in California
  2.75% 15-Month CD & 3.00% 23-Month CD at Barnes Banking Co. in Utah - Local Only
  2.50% 12-Month CD at USAmeriBank in Florida - Local Only
  2.40% 13-Month CD at Hyperion Bank in Philadelphia - Local Only
  2.00% 10-Month CD and $75 Checking Account Bonus at Harleysville National Bank in PA - Local Only
• 19th
  Sneaky Bank Fees - 10 Examples from MarketWatch and a Few from Bank Deals Readers
  3.00% Savings Account at Solera National Bank in Colorado
  Capital One's New InterestPlus Online Savings Account for Costco Members
  Canceled: 4.00% Reward Checking Account for up to $100K at SouthPoint Bank in AL - Local Only
  2.18% 8-Month CD and 1.98% Savings until November at United Commercial Bank in Several States
• 18th
  Make Sure You Don't Get Ripped Off When Your CD Matures
• 17th
  Four Banks Fail Including Vineyard Bank and Temucula Valley Bank in California
  FDIC getting tough and its impact to the $250K insurance limit
  2.25% 8-Month CD at Northfield Bank in NY & NJ - Local Only
  2.50% 12-Month CD & 3.00% 24-Month CD at Consumer Credit Union in TN - Local Only
  3.51% Reward Checking Account at Nodaway Valley Bank in Missouri - Local Only
  3.01% Reward Checking Account at Wyoming National Bank - Local Only
• 16th
  Salem Five Direct's Checking Account Update and Its New Online Savings Account
  2.60% 24-Month CD at TriState Capital Direct - Available Nationwide
• 15th
  2.55% 18-Month CD & Other High CD Rates at HomeStreet Bank in WA & OR - Local Only
  $215 Checking Account Bonus at HomeStreet Bank in WA, OR & HI - Local Only
  4.00% 60-Month CD & 2.50% 24-Month CD at Citibank in Some States
  Everything You Need to Know About Money Market Deposit Accounts in 5 Minutes or Less
• 14th
  No Longer Offered - Reward Checking Account at First Community Bank N.A. in Texas
  Customers Sue Bank to Get Back CD Money Stolen by the Bank's Employee
  2.50% 18-Month CD at Worthington Federal Bank in Alabama - Local Only
  1.75% Reward Checking Account Without a Balance Cap at Worthington Federal Bank in AL & NC - Local Only
  2.55% 14-Month CD at East Boston Savings Bank - Local Only
  3 Free Money Management Options
• 13th
  2.51% 13-Month CD with a Limited Add-On Feature at Choice Financial - Nationally Available
  High-Yield Reward Checking at MBT Bank in Iowa - Local Only
  2.55% 15-Month CD at First Commercial Bank of Florida - Local Only
  2.45% 23-Month CD at NW Priority Credit Union in OR & WA - Local Only
• 12th
  $50 Bonus for Amboy Direct's eSavings Account Continues - Nationally Available
  $100 Checking Account/Direct Deposit Bonus at Flagstar Bank
  3.00% 36-Month CD at SchoolsFirst FCU in California - Local Only
  First National Bank Omaha's Pay Yourself First Savings Promotion
• 10th
  53rd Bank Failure of 2009 - A Small Wyoming Bank
  2.53% 13-Month Add-On CD at Prime Pacific Bank in Washington State - Local Only
  3.00% 12-Month CD at First National Bank of the South in SC - Local Only
  Another Rate-Cut Friday at Ally Bank
  2.50% 12-Month CD & Competitive Money Market Account at RomAsia Bank in New Jersey - Local Only
  3.00% 30-Month CD at Gesa Credit Union in Washington State - Local Only
  $125 Checking Account Bonus at Banco Popular - CA, FL, IL, NY & NJ
  2.36% 6-Month CD at South Florida FCU - Local Only
  2.10% 6-Month CD at St. Louis Bank - Local Only
• 9th
  3.00% 24-Month CD & Other High CD Rates at Signature Bank in New York City - Local Only
  3.90% 60-Month CD at RBC Bank in AL, FL, GA, NC, SC & VA - Local Only
  4.01% Reward Checking Account at First Bank & Trust in SD
  2.50% 24-Month CD & a Checking Account Bonus at BBV Compass in AL, AZ, CO, FL, NM & TX
  2.70% 24-Month CD at Eastman Credit Union in TN, VA, TX, SC & AR - Local Only
  Update on ING Direct's Electric Orange $50 Promotion
  Choosing a Bank? What to Look at Besides The Interest Rates
• 8th
  WTDirect's Online Savings Account Promotion - Nationally Available
  How the Big Banks and the Credit Unions Are Handling California's IOUs
  $120 Checking Account Bonus at Comerica Bank
• 7th
  2.65% 15-Month CD at WashingtonFirst Bank in the DC Metro Area - Local Only
  2.50% 12-Month CD at Lowcountry National Bank in South Carolina - Local Only
  Bank of Internet's New Advantage Savings Account with a 2.50% APY - Nationally Available
  2.52% 12-Month CD and a Competitive Money Market Account at Metro Phoenix Bank - Local Only
  3.75% Reward Checking Account at First United Bank and Trust Co. in Kentucky - Local Only
• 6th
  2.50% 15-Month CD at Banco Popular in NY & FL - Local Only
  Reward Checking Account at The Community State Bank in Oklahoma - Local Only
  2.30% 16-Month Internet CD at Hyde Park Savings Bank in MA - Local Only
  2.50% 12-Month & 2.30% 6-Month CD at St. Casimir's Savings Bank in Maryland - Local Only
  2.52% 12-Month CD at Alpena Alcona Area Credit Union in Michigan - Local Only
  Equity-Linked Certificate of Deposits
• 5th
  Reward Checking Updates - New Nationwide Account & Application Issues
  Competitive CD Rates Continue at Southeast Financial Credit Union - Easy Membership
  2.17% 9-Month CD at Peoples National Bank in Parts of MO & IL - Local Only
  2.00% 9-Month CD at Grand Bank & Trust of Florida - Local Only
  2.00% Money Market Account Through 2009 at Fidelity Bank in Oklahoma - Local Only
  Banks Will Compete For Your Deposit
• 4th
  Brokered Deposits and Hot Money - Factors in Bank Failures?
  Is a Credit Union Better Than A Bank?
• 3rd
  3.00% 9-Month CD at Bartow County Bank in Georgia - Local Only
  Competitive Rates on CDs, IRAs and Liquid CDs at OneWest Bank - Nationally Available
  2.78% 11-Month Online CD at Franklin Synergy Bank - Nationally Available
  4.50% Reward Checking Account at NorStates Bank in Northern Illinois - Local Only
  2.38% 9-Month CD at Eastbank in New York - Local Only
• 2nd
  Summary of Today's Seven Bank Failures
  Bank of America's $100 Checking Account and Bill Pay Bonus
  2.50% 18-Month CD at South Jersey Federal Credit Union - Local Only
  2.50% 12-Month CD & 3.00% 24-Month CD Continue at International Bank of Chicago
  Update on Chase Checking Bonuses
• 1st
  3.05% 24-Month CD at Broadway Federal Bank in CA - Nationally Available
  Update on Urban Trust Bank in FL & MD - High Rates Continues, New FL Branches
  4.00% 50-Month CD at NASA Federal Credit Union - Easy Membership
  Discover Bank's New Limited-Penalty-Free CD and its New Online Savings Account
  Update on Pentagon Federal Credit Union's Certificates - Update

June 2009

• 30th
  High-Yield Reward Checking Account at First Security Bank & Trust in Iowa - MN & IA Only
  2.50% 18-Month CD at Appalachian Community Bank in Georgia - Nationally Available
  2.75% 14-Month CD at Credit Unions United in Kansas - Local Only
  2.84% 14-Month CD at AM Community Credit Union in Wisconsin - Local Only
• 29th
  2.50% 12-Month CD & 2.10% 6-Month CD at Colonial Bank (FL, TX, ...)
  2.81% Money Market Account at Vinings Bank in Georgia - Local Only
  3.00% 9-Month CD at Union Savings Bank in Bloomington Indiana - Local Only
  4.07% 60-Month CD and Other High CD Rates at United Community Credit Union in IL & MO - Local Only
• 28th
  2.50% Savings Account at First Chatham Bank in Southern Georgia - Local Only
  4.05% Reward Checking Account at MVB Bank in West Virginia - Local Only
  High-Yield Reward Checking Account at NavyArmy Federal Credit Union in Texas - Local Only
  3.82% 5-Year CD at Bank of Fall River in Massachusetts - Local Only
  3.00% 48-Month CD at Chase Bank in California
• 27th
  What Are Annuities?
• 26th
  Five Banks Closed Today - Two in GA, Two in CA and One in MN
  2.05% Money Market Account and 2.28% 12-Month CD at Seacoast Commerce Bank in CA - Nationally Available
  2.50% 7-Month CD and Other High CD Rates at Members First Credit Union in Parts of NH & MA - Local Only
  3.01% Reward Checking Account at Members First Credit Union in Parts of NH & MA - Local Only
  EXPIRED: 2.87% 12-Month CD and Other High Rates at Massena Savings & Loan in Northern NY - Local Only
  2.50% 10-Month CD at Greylock FCU in MA - Local Only
  2.29% 6-Month CD at United Local Credit Union in CA - Local Only
  Competitive Long-Term CDs and Money Market Account at Altura Credit Union in CA - Local Only
  Transferring Money Between Banks Takes Forever
• 25th
  FOMC Meeting - Fed's Policy Remains Unchanged
  2.75% 24-Month CD at BankUnited in FL - Nationally Available
  2.75% 12-Month CD & Other High CD Rates at Montauk Credit Union in New York - Local Only
  2.35% 12-Month Add-On CD at Amboy Direct - Nationally Available
  Melrose Credit Union CD Rates Are Down But Still Competitive - Nationally Available
• 24th
  How Careless Customers Help the Careful Customers Save More on Checking Accounts
  High-Yield Reward Checking Account at Mutual First Federal Credit Union in Nebraska - Local Only
  2.25% 7-Month CD at Republic First Bank in PA - Local Only
• 23rd
  Competitive Rates Continue at United Cental Bank - Now Nationally Available
  2.50% Savings Account at Beach Business Bank in CA - Nationally Available
  2.75% 12-Month CD & 2.30% 6-Month CD at First Asian Bank in Las Vegas - Local Only
  2.60 12-Month CD at Builders Bank in Chicago - Local Only
• 22nd
  UFB Direct's New 2% US Savings Account - How Long Will This Last?
  2.12% 7-Month CD at First United Bank in Oklahoma - Local Only
  4.99% 7-Month CD ($5K Max) at Kellogg Community FCU in Michigan - Local Only
  2.53% 12-Month Online CD at Broadway Federal Bank in CA - Nationally Available
  4.01% Reward Checking Account at Benchmark Community Bank in Virginia - Local Only
  2.75% Reward Checking Account at First Federal Savings Bank in Tennessee - Local Only
• 21st
  New Flex CDs at Wilshire State Bank - Nationally Available
  3.75% 60-Month CD & 3.00% 36-Month CD at Dime Savings Bank in New York
  2.25% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership
• 20th
  Newspaper Ads with Very High CD Rates and the FDIC's Crack Down
• 19th
  38th, 39th and 40th Bank Closures for 2009
  Third Week in a Row of Rate Cuts at Ally Bank
  2.28% 23-Month Prime Rate Minus 1% CD at Carolina First Bank in SC, NC & FL
  2.55% 13-Month CD at First Community Bank of Southwest Florida - Local Only
  Keep Your Cool Without Heating Up Your Bank Account
  Retirement Planning Tips
• 18th
  3.25% 7-Month CD at CoreFirst Bank & Trust in Kansas City - Local Only
  3.00% 28-Month CD and 1.55% Checking Account at State Farm Bank - Nationally Available
  2.70% 15-Month CD & 3.00% 23-Month CD at Northpointe Bank in Michigan - Nationally Available
  4.10% Reward Checking Account at Peotone Bank and Trust Co. in Illinois - Local Only
  2.84% 12-Month CD at Fort Bragg FCU in North Carolina - Local Only
• 17th
  Competitive 11-Month CD and a $300 Bonus Gift at Irwin Union Bank - Nationally Available
  4.00% 4-Year CD and a Competitive Savings Account at Monona State Bank in Wisconsin - Local Only
  Savings Account with Rates Up to 3.40% at Dupaco Community Credit Union in Parts of IA, WI & IL - Local Only
  High-Yield Reward Checking Account at First Bank in Southwest Florida - Local Only
  2.65% 14-Month CD & 2.75% 19-Month CD at Kansas Super Chief Credit Union - Local Only
• 16th
  AIG Bank's Online Money Market Account and CDs - Nationally Available
  2.65% 15-Month CD at Asian Bank in Philadelphia - Local Only
  2.50% 12-Month CD &amp 1.75% Savings Account at Gateway Commercial Bank in AZ - Local Only
  2.60% 12-Month CD and Other High Rates at Mirae Bank in California - Local Only
• 15th
  New Online Savings Account and CDs at American Express Bank
  Reward Checking Account at Baltimore County Savings Bank - Local Only
  3.00% 24-Month CD at Sound Credit Union in Washington State - Local Only
  2.75% 12-Month CD & 2.50% 9-Month CD at American Momentum Bank in FL & TX - Local Only
  2.75% 17-Month CD at First Bank of Highland in Illinois - Local Only
• 14th
  Reward Checking Accounts with Rate Guarantees - One With 6% Until 2010
  2.00% Checking for One Year or $100 Checking/DD Bonus at Flagstar Bank - GA, MI, IN Only
  2.35% Savings Account at Unity Bank in NJ and PA - Local Only
  Checking Account Bonus of Up to $95 at Metropolitan Bank in Chicago - Local Only
  2.75% 15-Month CD at First Community Bank in Chicagoland - Local Only
  2.60% 15-Month CD at Linn Area Credit Union in Iowa - Local Only
  4.00% 60-Month CD at Teche Federal Bank in Louisiana - Local Only
• 12th
  Melrose Credit Union Continues To Offer the Best One & Two-Year CD Rates - Nationally Available
  More Rate Cuts at Ally Bank
  More Reward Checking Rate Cuts and Restrictions
  4.25% Reward Checking Account at Incommons Bank in Texas - Local Only
  4.19% Reward Checking Account at Rock River Bank in Northern Illinois - Local Only
  3.05% 24-Month CD & Other High Rates Continue at Heritage Bank of Florida - Local Only
  4.14% Reward Checking Account at ACCESSbank in Nebraska - Local Only
• 11th
  FDIC Starts to Crack Down on Ally Bank's Deposit Rates
  3.00% 24-Month CD and Other Competitive Rates at EagleBank in DC Metro - Local Only
• 10th
  Update on the Online Savings Account at Newtown Savings Bank - Nationally Available
  2.80% 2-Year CD & Other Competitive CD Rates at First Republic Bank in Several States
  2.50% 12-Month CD at Signature Bank in New York City - Local Only
  2.79% 24-Month CD at Qualtrust Credit Union in Texas - Local Only
• 9th
  3.00% 6-Month CD & 2.75% Money Market Account at Coastal Carolina National Bank in SC - Local Only
  2.50% 9-Month CD at First Federal in North Carolina - Local Only
  ING Direct's $25 Savings Account Bonus and Account Review
  4.01% Reward Checking Account at Leominster Credit Union in MA - Local Only
  2.58% 12-Month CD and Other High Rates at Collin Bank in Texas - Local Only
• 8th
  Update on Wilshire State Bank - Rates are Down, But There Are Still Good Nationwide Money Market and CD Deals
  2.50% 6-Month CD at Luther Burbank Savings in California - Local Only
  2.50% 12-Month CD at Bank 1440 in Arizona - Local Only
  2.60% 7-Month & 2.85% 13-Month CD at Atlantic Southern Bank in GA & FL - Local Only
  5.13% Reward Checking Account at United Mississippi Bank - Local Only
  2.75% 18-Month CD at Alliance Bank in Northern Virginia - Local Only
  3.51% Reward Checking Account at Union National Community Bank in PA
  Don't Forget to Plan for “Windfall” Money
  Are Money Market Deposit Accounts a Good Way to Save for Retirement?
• 7th
  $100 Checking Account Bonus at People's Trust FCU in Texas
  2.60% 12-Month CD at Park National Bank in IL (similar deals in TX, CA & AZ)
  4.25% Reward Checking Account at River Valley Credit Union in Ohio - Local Only
  2.50% 16-Month CD at Republic Bank of Chicago - Local Only
• 6th
  Did ebank cut rates to comply with the FDIC's rate caps?
• 5th
  37th Bank Failure of 2009
  Rate Cuts at Ally Bank
  $50 Checking Account Bonus with No Direct Deposit at FirstBank - CO, AZ & CA Only
• 4th
  2.55% Online CDs for Terms of 3 to 12 Months Plus 2.05% e-Savings at TotalBank in South Florida - Nationally Available
  3.30% 13-Month and 21-Month CD at RockBridge Commercial Bank in Georgia
  Competitive Savings Account and CD Rates at Tennessee Commerce Bank - Nationally Available
  2.95% 24-Month CD & 2.55% 12-Month CD at HomeStreet Bank in WA & OR - Local Only
  3.00% 24-Month CD at First City Bank in NW Florida - Local Only
• 3rd
  WTDirect Savings Account $75 Bonus for Direct Deposit
  3.00% 23-Month CD & 2.65% 11-Month CD at Northpointe Bank in Michigan
  $75 Bonus for Opening a Checking Account with Direct Deposit at PNC Bank
  2.75% 11-Month CD at Champion Bank in Missouri
  3.00% Rewards Checking Account at Seasons FCU in Connecticut - Local Only
  3.00% 12-Month CD & 2.75% 9-Month CD at Midtown Bank in Georgia - Local Only
• 2nd
  EverBank Increases 3-Month Promo Rate for its Money Market and Checking Account
  Update on Pentagon Federal Credit Union's Certificates
  $75 Checking Account Bonus at Bank of America, Plus a Note on the New Fees
  High-Yield Reward Checking Account at Community National Bank of the Lakeway Area in Tennessee
  3.00% 12-Month CD, 2.60% 6-Month CD and Other High CD Rates at LOMTO FCU in New York City - Local Only
• 1st
  2.81% 6-Month CD & 2.60% 12-Month CD at Hanmi Bank in California - Local Only
  Update on Ally Bank's 9-Month No-Penalty CD
  2.50% Checking Account and 2.50% 14-Month CD at East River Bank in Philadelphia - Local Only
  3.50% 36-Month CD at Northwest Savings Bank in SE Florida - Local Only
  GMAC Financial Services' CEO Responds to the ABA

May 2009

• 31st
  Behind the Scenes with the FDIC and the History of Sheila Bair
  The FDIC's Weekly National Rates and Rate Caps
  2.50% 7-Month Liquid CD at Cental Bank in Florida - Local Only
  3.49% 49-Month Liquid CD at McFarland State Bank in Wisconsin - Local Only
  Checking Account with Rates up to 3.00% at Solera National Bank in Colorado
• 29th
  American Bankers Association Urges FDIC To Force GMAC/Ally Bank to Cut Deposit Rates
  2.50% 12-Month Liquid CD at E-Central Credit Union In California - Easy Membership
  3.30% 36-Month CD & 2.02% 5-Month CD at Mt. Washington Bank in MA - Local Only
• 28th
  NCUA's Press Release on the $250K Share Insurance Extension
  2.78% 5-Month Online CD at Franklin Synergy Bank - Nationally Available
  Expired Rate: 3.05% 15-Month CD at Johnson Bank in Madison, WI - Local Only
  Update on SmartyPig's High Yield Savings Account
  2.87% 18-Month CD IRA & Other High Rates at Pacific Mercantile Bank in CA - Nationally Available
  2.65% 13-Month CD at Washington Federal Bank for Savings in Chicago - Local Only
• 27th
  FDIC Chairwoman Bair's Interview on Jim Cramer's Mad Money
  CD Shopping Tips from the FDIC - Warning about Newspaper Ads with 5% CDs
  FDIC's First Quarter Report - Number of Problem Banks Increase to 305
  2.35% 6-Month CD & 2.50% Money Market Account at CenTrust Bank in Illinois - Local Only
  $150 Checking Account Bonus Continues at NuVision Credit Union - Update
  5% Savings Accounts and 7% CDs? Yes, but with Catches
• 26th
  High-Yield Reward Checking Account at City National Bank in Texas - Nationally Available
  3.01% Reward Checking Account at Community Bank in Louisiana - Local Only
  2.50% 8-Month CD & 2.40% Money Market Account at Premier American Bank in South FL - Local Only
  High-Yield Reward Checking Account at The Bank of Marion in Southern IL - Local Only
• 25th
  Competitive Money Market Account at Delta Community CU - Easy Membership
  2.82% 6-Month CD & 3.03% 24-Month CD at SeaComm FCU in Northern NY - Local Only
  2.73% 12-Month CD & $100 Checking Bonus at Great Southern Bank in St. Louis - Local Only
  2.65% 12-Month CD & 2.35% 9-Month CD at Riverside National Bank in East FL - Local Only
  Bank Deals Blog is Now on Twitter
• 24th
  How to Maximize the Return of an Installment Savings Account
• 22nd
  Two Illinois Banks Fail, Impact to CD Customers and the FDIC Special Assessment
  High-Yield Reward Checking Account at Mountain Credit Union in North Carolina - Local Only
  2.14% Reward Checking Account With No Balance Cap at Heritage Bank in MN - Nationally Available
  Consider Opting-Out from Your Banks Courtesy Overdraft Protection
  How to Use Certificate of Deposits as Part of Your College Savings Strategy
• 21st
  Rare Thursday Bank Closure - BankUnited, FSB
  It's Official: Basic Deposit Insurance Limit is $250K Through 2013
  3.00% 24-Month CD at American Eagle Bank in Illinois - Local Only
  Expired: 2.75% 6-Month CD, 3.25% 24-Month CD & Other High Rates at Jefferson Financial Credit Union in Louisiana - Local Only
  3.03% 13-Month CD & 2.52% 7-Month CD at Alabama 1st Capital Credit Union - Local Only
  2.30% Online Savings Account at Newtown Savings Bank in CT - Nationally Available
  2.76% 12-Month CD, 2.97% 24-Month CD & Other High Rates at Quantum National Bank in GA
  2.50% 6-Month CD, 3.00% 24-Month CD & Other High CD Rates at Police and Fire FCU in PA
  Checking Account with 2% APY and $50 Bonus at Level One Bank in Michigan - Local Only
• 20th
  Credit Cardholders' Bill of Rights, Effects on Rewards and Some Remaining Cash Reward Cards
  2.85% 12-Month CD and Other Competitive CD Rates at Vacationland FCU in Ohio - Local Only
  $100 Checking Account Bonus at Chase - Update
  Extension of FDIC's $250,000 Deposit Insurance Limit Is Almost Law
• 19th
  2.80% 9-Month CD at Connex Credit Union in Connecticut - Local Only
  3.00% 18-Month CD at Holbrook Cooperative Bank in MA - Local Only
  2.50% Money Market Account at OceanFirst Bank in New Jersey - Local Only
  Future of Credit Card Rewards?
  4.01% Reward Checking Account at Coastal Community Bank in Washington State - Local Only
  High-Yield Reward Checking Account at Andrew Johnson Bank in Tennessee - Local Only
  2.60% 12-Month CD & Other Competitive Rates at NavyArmy FCU in Texas - Local Only
  4.01% 60-Month CD & 3.37% 37-Month CD at Cardinal Bank in VA, MD & DC - Local Only
  4.00% 60-Month CD at Fidelity Bank of Florida - Local Only
• 18th
  ING Direct's Electric Orange $50 Promo, Debit Cards and EO Updates
  What Savers Should Expect as Banks Recover
  3.00% 24-Month CD & Other Competitive CD Rates at International Bank of Chicago
  3.00% 12-Month CD and other High CD Rates at Atlanta Postal Credit Union - Local Only
  2.75% 12-Month CD and Other High CD Rates at Montauk Credit Union in New York City - Local Only
• 17th
  4.05% Reward Checking Account at Community National Bank in Kansas - Local Only
  4.01% Reward Checking Account at Willamette Community Bank in Oregon - Local Only
  4.07% 60-Month CD & 2.53% Money Market at South Jersey Federal Credit Union - Local Only
  2.48% 6-Month CD, 2.78% 12-Month CD & Other High Rates at First Asian Bank in Las Vegas - Local Only
  2.60% 19-Month CD & 2.40% 10-Month CD at Foster Bank in Chicago - Local Only
• 16th
  No Bank Failures But One Credit Union Liquidation
• 15th
  GMAC Bank Changes Name to Ally Bank - New 2.50% 9-Month No-Penalty CD
  2.90% 15-Month CD at Linn Area Credit Union in Iowa - Local Only
  2.75% 13-Month CD at PeopleFirst Bank in Illinois - Local Only
  How Much Should You Save In Your 401K?
  Tips for Beginning Investors
• 14th
  2.81% Savings Account Guaranteed to 9/30 at EBSB Direct
• 13th
  2.75% Money Market Account for 6 Months at ShoreBank in Chicago, Cleveland & Detroit
  Kasasa - The New Name of Reward Checking and Savings Accounts
  2.65% 6-Month CD, 3.10% 24-Month CD & Other Competitive CD Rates at CoreFirst Bank & Trust in KS & CO
  2.45% 9-Month CD at Eastbank in New York - Local Only
• 12th
  5.01% Reward Checking Account at Founders Bank in Texas
  2.64% 6-Month CD & Other Competitive Rates at American First National Bank in Texas
  2.65% 11-Month CD at Baxter Credit Union in IL & WI
  2.53% 12-Month CD and 2.07% Money Market Account at Gold Canyon Bank in Arizona
• 11th
  New High-Yield Online Savings Account at Bank of American Fork - Nationally Available
  3.01% Reward Checking Account at The Farmers Bank - Georgia Residents Only
  Competitive Jumbo Money Market and CD Rates at Teachers FCU in New York
• 10th
  PenFed's Cash Back Credit Card Adds Another 5% Category
  Ohio's SaveNOW Bonus Program Provides a Little Help to Savers
  Checking Accounts at Westbound Bank in Houston
  2.88% 18-Month Add-On CD and Other Competitive Rates at First Savings Bank Northwest in WA
  3.00% 9-Month CD at BankFinancial - Chicago Area Only
• 8th
  33rd Bank Failure of 2009: Westsound Bank in Washington State
  High Yield Savings Account and CD at Choice Financial - Nationally Available
  High-Interest Reward Checking Account at Patriot Bank in Florida
  Saving For College with 529 Accounts
  Benefits of Using Direct Deposit
• 7th
  Bank Stress Test Results - Impacts to Depositors?
  Extension of FDIC's $250,000 Deposit Insurance Limit Gets Closer - May Not Become Permanent
  High-Yield Reward Checking Account at Public Service Credit Union in Indiana - Local Only
  $200 Capital One Checking Bonus in CT, LA, NY, NJ & TX - YMMV
• 6th
  2.89% 7-Month CD & 3.05% Money Market at Raymond Federal Bank in Washington State - Local Only
  3.25% 12-Month CD at a Cornerstone Bank in Georgia - Local Only
  3.25% 2-Year CD at USAA Bank - Nationally Available but Membership Restrictions
  Competitive Money Market, Savings and CD Rates at United Central Bank in TX, CA, GA, MD & VA
• 5th
  Installment Savings Account with High Rates at Hanmi Bank - CA Only
  3.20% 24-Month & 2.71% 12-Month CD at Wheatland Bank in Illinois
  Up to $120 Savings/Checking Account Bonus at Umpqua Bank in CA, OR & WA
  2.85% 24-Month Add-On CD at NexBank in Texas
  $100 Checking Account Bonus at American Eagle Credit Union in MO & TX
• 4th
  Higher Monthly Fees and Minimum Balance Requirements for EverBank's Yield Pledge Money Market Account
  4.01% Reward Checking Account at Countybank in SC
  3.00% 2-Year CD & Other Competitive CD Rates at First Republic Bank in Several States
• 3rd
  3.51% Reward Checking Account at Lapeer County Bank & Trust Co. in Michigan
  2.50% 9-Month CD at Danvers Bank in Massachusetts
  3.10% 24-Month CD & Other CD and Money Market Deals at AnchorBank in WI
  2.75% Savings Account at Regal Financial Bank in Washington State
• 1st
  Three Banks Fail Today - 30th, 31st & 32nd Failures for 2009
  New I Bond Rates - Government Gives No Incentives to Buy
  Popularity of Shorter Term CDs
  GMAC Bank Raises the 12-Month CD Rate
  $100 Checking Account / Direct Deposit Bonus at Bank of the West in Several States

April 2009

• 30th
  4.00% Reward Checking Account at FirstDay Federal Credit Union in Ohio
  2.50% Checking Account at Old Southern Bank in Central Florida
  2.90% 15-Month CD & 3.25% 28-Month CD at Capon Valley Bank in WV & VA
  2.55% 15-Month CD & Other Competitive CD Rates at a Bay Cities Bank in Florida
• 29th
  FOMC Meeting - Still No Inflation Worries
  3.25% 90-Day Online Savings Account Promo at ProvidentNJ Direct - Nationtally Available
  2.85% 12-Month Add-On CD and 2.53% Checking at Nara Bank - CA, NY & NJ Only
• 28th
  2.65% 13-Month CD and Other Competitive CD Rates at First Florida CU - North, Central and South FL
  2.50% Savings Account at Community First Bank Chicago - Local Only
  3.33% Reward Checking Account at Peoples Bank of Kankakee County
  2.71% 18-Month CD at State Farm Bank - Nationally Available
  Saving Money Through Home Renovations
• 27th
  Uninsured Deposits from a Failed Bank
  3.75% Reward Checking Account at Liberty Savings Bank - Nationally Available
  Review of Intervest National Bank's Money Market Account - Nationally Available
  $100 Checking Account/Direct Deposit Bonus at Investors Savings Bank in New Jersey
• 26th
  High-Yield Reward Checking Account at Devon Bank in Chicago
  $75 Checking Account Bonus at PNC & National City - Update
  4.01% Reward Checking Account at Treasure State Bank in Montana
  5 Secrets to Successful Investing With Certificates of Deposit
• 25th
  Eastern Financial Credit Union Placed into NCUA Conservatorship
  $150 Checking Account Bonus at Lockheed FCU - Branch Visit in CA or NH Required
• 24th
  Four Bank Failures Today - 26th to 29th Failures for 2009
  Permanent Increase of FDIC Deposit Insurance Coverage May Soon Become Law
  High Yield Installment Savings Accounts at NewBank in NY & NJ - Local Only
  2.78% 6-Month CD at First Heritage FCU in Parts of NY & PA
  2.50% Regular Checking Account at Urban Trust Bank in FL & MD - Local Only
  2.50% 6-Month CD & 2.65% 9-Month CD at Plaza Bank in California
  5.00% 5-Year CD & 3.00% 9-Month CD at Pacific Transportation FCU in California
• 23rd
  Non-Reward Checking Account with Rates up to 3.12% at F&M Bank - CA Only
  2.75% 15-Month CD at Banner Bank in WA, OR & ID
• 22nd
  Rate Cuts at Redneck Bank and Its Sister Banks
  2.50% 9-Month CD & 2.25% Savings Account at Doral Bank Direct - Nationally Available
  Short-Term CD Rates Up to 2.70% at FBOP Corp Banks in CA, AZ, IL, TX
  2.60% 14-Month CD & 2.40% 9-Month CD at Millennium Bank - VA, MD & DC Only
  2.86% 15-Month CD at First National Bank in Colorado - Local Only
  $100 Checking Account Bonus at USAA Bank - Nationally Available but Membership Restrictions
  3.76% Reward Checking Account at the Department of Labor FCU in Washington DC
• 21st
  2.75% 6-Month Add-On CD ($25K Max) at STC Capital Bank in Illinois
  2.55% 9-Month Internet CD at Hyde Park Savings Bank for MA Residents
  High-Interest Rewards Checking Account at First National Community Bank in West Wisconsin
  2.48% Jumbo 9-Month CD at Cathay Bank in Several States
  3.00% 18-Month CD at Sunshine Bank in Florida
  2.65% 15-Month CD at Pacific State Bank in California - Local Deal
• 20th
  Switching from a giant monster mega-bank to a credit union is easier than you think
  High-Yield Reward Checking Account and Other Competitive Rates at Grand Bank, N.A. in New Jersey
  3.00% 24-Month CD at First Central Savings in New York
  4.15% Reward Checking Account at Greater Rome Bank in Georiga
  3.05% 24-Month CD & Other Competitive Rates at Heritage Bank of Florida - Local Only
• 19th
  Top Online Savings Accounts - Best Yields and the Strongest Banks
  3.01% Reward Checking Account at Columbia River Bank in WA & OR
  2.75% 9-Month CD & 2.50% 5-Month CD at Rollstone Bank & Trust in Massachusetts
  2.65% 6-Month CD at Union Federal Savings Bank in Rhode Island
  Keep More of Your Money: Tips for Better Banking
  Help Your Finances Bloom This Spring
• 17th
  24th & 25th Bank Failure of 2009 - In MO & NV
  Installment Savings Accounts with Rates from 5.50% to 6.25% at Woori America Bank in NY, NJ, PA, MD, VA & CA
  3.14% 15-Month CD at Athol-Clinton Co-operative Bank in Massachusetts - Local Only
  2.86% 12-Month CD & 3.12% 24-Month CD at A-B Credit Union in Wisconsin
  $100 Checking Account Bonus (no DD Required) at WesBanco - Only for WV, OH & PA
  2.70% 12-Month CD at HomeStreet Bank in WA & OR - Local Only
  $215 Checking Account Bonus at HomeStreet Bank in WA, OR & HI
• 16th
  Survey of Special High-Yield Low-Cap Certificates of Deposit & Savings Accounts
  $150 Direct Deposit Bonus & 2.25% 7-Month CD at Charter Oak Credit Union in CT
  3.51% Reward Checking Account at First-Lockhart National Bank in Texas
  4.01% Reward Checking Account at Panther Community Bank in Southwest Florida
  3.05% 13-Month CD & 2.55% 7-Month CD at DCH Credit Union in Alabama
• 15th
  3.00% 13-Month CD at Pacific West Bank in Oregon - Local Only
  High-Yield Reward Checking Account at Atlantic Stewardship Bank in New Jersey
  Update on Series I Savings Bonds: Six Months of 0% for All Existing I Bonds
• 14th
  Banking News: GMAC, CDARS and CDs at Failed Banks
  $100 Checking Account Bonus at Sovereign Bank - Update
  3.04% 24-Month CD & Other Top CD/IRA Rates at Atlas Savings in New York
  3.25% 24-Month CD & 2.65% 12-Month CD at Bank of Illinois
  2.79% 6-Month CD at Blue Ridge Savings Bank in North Carolina
  3.75% Reward Checking Account at FORUM Credit Union in Indiana
  2.79% 18-Month CD at Neighborhood National Bank in California
  Bank of America $75 Checking Account Bonus for Existing Credit Card Customers
• 13th
  3.00% 22-Month CD & Other Competitive CD Rates at Consumers Credit Union in IL - Easy Membership
  2.75% 14-Month CD at Charter Bank - Nationally Available
  $150 Checking Account Bonus at SECU Credit Union in Maryland - Local Only
  3.00% 12-Month CD at CommunityWide FCU in Indiana - Local Only
• 12th
  Review of the New Internet Savings Account at Darby Direct - Nationally Available
  3.00% 19-Month & 2.75% 9-Month Add-On CDs at Civic Bank & Trust In Tennessee
  4.00% 59-Month CD at US Bank Branches in CA, MO & Maybe Other States
  3.00% 25-Month CD & 2.70% 13-Month CD at Broadway Bank in Chicago
• 10th
  22nd and 23rd Bank Failure of 2009
  Bank Closures and Other FDIC News
  2.90% 15-Month CD at Amalgamated Bank in NY, NJ, DC & CA
  High-Yield Reward Checking Account at North Carolina Bank and Trust
  High-Yield Installment Savings Account, Internet Savings Account and CDs at Wilshire State Bank - Nationally Available
• 9th
  New Monthly Fees for Premium Online Savings Accounts at Amboy Direct
  4.00% Reward Checking Account at Coppermark Bank in TX & OK
  2.75% 12-Month CD & 2.60% 6-Month CD at Colonial Bank in FL, GA, Al, TX & NV
  3.10% 10-Month CD at Pacific Crest Savings Bank in Washington State - Local Only
• 8th
  Redneck Bank Stops Accepting New Applications
  3.00% 24-Month CD at SharePlus Federal Bank in CA, TX, IN & KY
  3.15% Reward Checking Account at Pony Express Bank in Missouri
  2.85% 18-Month Online CD & Other Competitive CD Rates at Community Banks of Colorado - CO Only
  Competitive Rates at Community Bank of Arizona and Nevada
  Very Competitive CD Rates at Credit Union 1 in IL & IN - ASI-Insured Only
  Up to $100 Checking Account Bonus at Neighborhood Credit Union in Dallas
• 7th
  2.85% 12-Month CD & Other Competitive CD Rates at Delta Community Credit Union - Easy Membership
  2.65% 12-Month CD at OneWest Bank (IndyMac) - Nationally Available
  3.15% 15-Month CD, 2.75% 6-Month CD & Other High CD Rates at Police and Fire CU in Pennsylvania
• 6th
  Top 7-Month CD & 25-Month CD Rates at Blueharbor Bank in North Carolina
  2.75% 12-Month CD at NBRS Financial Bank in MD & PA
  2.76% 12-Month CD & Other Competitive CD Rates at Baton Rouge Telco FCU in Louisiana
  High-Yield Reward Checking Account at R.I.A FCU in IA, IL & WI
  4.00% 48-Month & 3.25% 24-Month IRA CDs at America's Christian Credit Union - Easy Membership
  Up to $160 Checking Account Bonus at FBOP Banks in CA, TX, AZ & IL
• 5th
  3.25% 2-Year CD & Other Competitive CD Rates at First Republic Bank in Several States
  Free Reward Checking Account at Pacific Resource Credit Union in California - Easy Membership
  4.01% Reward Checking Account at Members Choice Community CU in IA & IL
  2.78% 9-Month CD & 5.50% 3-Year Installment Savings Account at Metro City Bank in Georgia - Local Only
  3.00% 12-Month IRA CD & Other High IRA CD Rates at First National Bank of Long Island in New York
  4.00% 60-Month CD at FNBO Direct - Nationally Available
  $50 Checking Account Bonus at National Bank of Kansas City - Local Only
• 3rd
  Update on Pentagon Federal Credit Union CDs, Credit Cards and Other Products
  4.19% Reward Checking Account at Founders Bank in Illinois
  2.75% 7-Month CD & Money Market Special at Webster Bank in the Northeast
  3.00% 15-Month CD & Other Competitive Rates at Independence Bank in Rhode Island
  Extra Paychecks For People Paid Weekly or Bi-Weekly
  Choosing Checking Accounts With The Lowest Bank Fees
• 2nd
  Update on Alliant Credit Union's Checking, Savings and CDs
  2.74% 7-Month CD & 3.05% 15-Month CD at The Bank of the Pacific in WA & OR
  2.68% 6-Month CD, 2.88% 12-Month CD & Other High CD Rates at First Asian Bank in Las Vegas
  3.14% 16-Month CD and Other High CD Rates at Raymond Federal Bank in Washington State
• 1st
  Update on Citibank CD Specials - 2.50% 8-Month CD in a Few States
  3.59% Reward Checking Account at First National Bank of Olathe in Kansas
  2.75% 6-Month Jumbo CD at Teachers Federal Credit Union in New York
  2.85% 13-Month CD at Baxter Credit Union in IL & WI
  2.45% 6-Month CD & 3.00% 24-Month CD at Gateway Bank in NC & VA - Local Only

March 2009

• 31st
  3.40% 12-Month CD & 3.30% 6-Month CD With Liquid Features at Center Bank - CA, WA & IL
  HSBC Direct's Online CDs - Competitive Rates with Some Nice Features
  3.00% 12-Month CD & 4.50% 60-Month CD at Urban Trust Bank in FL & MD - Local Only
  2.50% Reward Checking Account at Insight Financial Credit Union in Florida
• 30th
  Update on Nara Bank and its CD and Installment Savings Account - CA, NY & NJ Only
  3.15% 12-Month Liquid CD at US Metro Bank in California - Local Only
  Review of GMAC Bank and its 2-Year CD - Nationally Available
  4.01% Reward Checking Account at Tampa Bay Federal Credit Union
• 29th
  3.29% 6-Month CD with Add-On and Penalty-Free Features at Saehan Bank in California
  Citibank CD Specials - 2.50% 8-month in CA & 2.75% 12-month in TX
  4.01% Reward Checking Account at Gwinnett Community Bank in Georgia
  5.50% 55-Month CD ($5.5K Max) & Other CD Deals at Mutual Security Credit Union in CT
  2.50% 7-Month CD at Ridgestone Bank in IL & WI - Local Only
  KeyBank Checking Account Promotion
• 28th
  Planning For Your Retirement With Certificate of Deposits
• 27th
  21st Bank Failure of 2009: Omni National Bank in Georgia
  Media and Consumer Advocates Report on the Value of Reward Checking Accounts
  High-Yield Reward Checking Account at Douglas National Bank in Georgia
  3.25% 12-Month CD & Other High CD Rates at Visions FCU in NY & PA
  3.50% 12-Month CD at First National Bank of the South in South Carolina - Local Only
  Fantasy Stock Market
• 26th
  SEC Halts CD Ponzi Scheme Involving Caribbean-Based Millennium Bank
  2.75% 12-Month CD and Other Competitive CD Rates at First Trade Union Bank - Available Nationwide
  2.25% Savings Account Guaranteed to 9/30/09 at Acacia Federal Savings Bank - Nationally Available
• 25th
  Amboy Direct's New Add-On CD (eSavings Time Deposit) - Nationally Available
  2.30% Reward Checking Account at Orrstown Bank in PA & MD
  Competitive Rates on Unlock CDs at Cadence Bank (FL, TN, ...)
  3.00% 18-Month CD, 3.25% 23-Month CD & Other High CD Rates at First American Credit Union in WI & IL
• 24th
  Installment Savings Account with Rates of up to 5.39% at Pacific City Bank - Los Angeles Area Only
  3.50% Installment Savings Account for Terms of 1 to 3 Years at MetroBank - Texas Only
  High-Yield Reward Checking Account at 1st Financial FCU in Missouri
  3.00% 12-Month CD & 3.75% 39-Month CD at First Peoples Community FCU in MD, PA & WV
  3.03% 9-Month CD, 3.15% 12-Month CD & Other High CD Rates at Community Bank of Nevada - Local Only
  2.80% 7-Month CD & 2.95% 14-Month CD at Far West Bank - UT Only (lower rates in WA & ID)
  3.03% 8-Month CD at Southwest Community FCU in UT, NV & AZ
• 23rd
  3.25% 17-Month CD at Royal Asian Bank & Royal Bank America in PA, NY and NJ
  3.00% 24-Month CD & 2.75% 11-Month CD Continue at Colonial Bank (FL, TX, ...)
  Series I Savings Bonds Considerations for the Short Term and Long Term
  High-Yield Reward Checking Account at Guaranty Bank in Missouri
  3.20% 24-Month CD at Park Cities Bank - Dallas Area Only
• 22nd
  4.08% 12-Month Online Installment Savings Account at Nara Bank - CA, NY, NJ Only
  $50 New Account Bonus at Capital One Direct Banking - Nationally Available
  3.00% 13-Month CD & 3.40% 24-Month CD at AnchorBank - Wisconsin Only
  $50 Checking Account Bonus at AnchorBank - Wisconsin Only
  Lessons from the Stanford Financial Mess and Foreign CD Options
• 21st
  A Wish is a Goal Unfulfilled
  Unable to Open a Checking Account?
• 20th
  18th, 19th & 20th Bank Failures of 2009, Plus Two Credit Unions Placed into Conservatorship
  FDIC Finally Closes Sale of IndyMac, It's Now OneWest Bank (2.65% 9-Month CD)
  2.75% 9-Month CD, 3.25% 18-Month CD and Other High CD Rates at RomAsia Bank in New Jersey
  3.25% 20-Month CD at Mid American Credit Union in Kansas
  2.80% 10-Month CD & 2.95% Checking at East River Bank in Philadelphia
• 19th
  3.00% 18-Month CD, 2.77% 7-Month CD and Other High Rates at SolutionsBank in Dallas and Kansas City
  3.56% 12-Month CD at Gateway Regional Credit Union in St. Louis
  3.00% 17-Month CD at Royal Asian Bank in NJ, NY and PA
  2.90% 13-Month CD and Other Competitive CD Rates at First Florida Credit Union
  2.60% 12-Month Liquid CD at Independence Bank - California Only
  $75 Checking Account Bonus at PNC & National City
• 18th
  FOMC Meeting - Fed to Buy Over $1 Trillion in Securities
  Updates to My Nationwide Reward Checking Accounts List - Update
  3.05% 15-Month CD at Fort Financial Credit Union in Parts of IN, NC, MS, IL and WI
  Reward Checking Account at FAST FCU in California
  $50 Checking Account Bonus at Bank of America
  3.00% 13-Month CD at Leominster Credit Union in Massachusetts
• 17th
  4.00% Reward Checking Account at First State Bank & Trust Company in Nebraska
  3.30% 16-Month CD at First Federal Savings & Loan Association in Ohio - Local Only
  3.50% 36-Month CD & 3.25% 24-Month CD at Town Center Bank in Illinois - Local Only
• 16th
  3.00% 14-Month CD at Charter Bank - Nationally Available
  3.25% 18-Month IRA CD at Dime Direct - Nationally Available
  4.00% Reward Checking Account at Jefferson County FCU in Kentucky & Indiana
  High-Yield Reward Checking Account at Point Loma Credit Union in California
• 15th
  60 Minutes' Ben Bernanke Interview
  3.15% Reward Checking Account at Navigant Credit Union in Rhode Island
  3.05% 12-Month CD at Triad Bank - St. Louis Area Only
  Review of Equity-Index CDs at Compass - Other Options?
  Health Savings Account Overview and Finding the Best HSA
  Personal and Business Checking Account Bonuses at Chase
  Wealth Building Basics
• 14th
  3.00% 3-Month CD at TD Ameritrade - Nationally Available
  Last Day of Advantis CU's 5% CD, New 3% 12-Month CD Special - Oregon Only
  Negotiating Higher CD Rates
  How to Save and Invest – The Easier Way
• 13th
  3.10% 21-Month CD & 2.90% 14-Month CD at BankFinancial - Chicago Area Only
  3% MMA 90-Day Promotion & $75 Checking Bonus at Marquette Bank - Chicago Area Only
  Michigan Orders Fake Credit Union Website to Shut Down - How to Verify Bank and Credit Union Websites
  3.10% Add-On 12-Month CD at Nara Bank - CA, NY, NJ Only
  3.05% 26-Month Add-On CD at Community Bank in PA - Local Only
  4.00% Reward Checking Account at Community Bank in PA - Local Only
  3.00% 20-Month CD at Truliant Federal Credit Union in NC, SC & VA
  3.30% 24-Month CD at Berks Community FCU in Pennsylvania
• 12th
  News and Updates for Redneck Bank and Its Two Sister Banks
  Add-On CDs with Rates up to 2.85% at 1st United Services Credit Union in CA
  2.70% 9-Month CD & 3.15% 24-Month CD at NavyArmy FCU in Texas
  $100 Checking Account Promotion at Dollar Bank (Pittsburgh & Cleveland Only)
  3.00% 7-Month CD & 3.15% 18-Month CD at One Georgia Bank - Atlanta Area Only
• 11th
  3.05% 18-Month CD at NorthEast Community Bank in NY - Nationally Available
  E-LOAN and DCU Temporarily Waiving CD Early Withdrawal Penalties
  Update on Melrose Credit Union and Its High Yield CDs - Nationally Available
  2.75% 15-Month CD at Acacia Federal Savings Bank - Nationally Available
  2.77% 21-Month CD at State Farm Bank - Nationally Available
  3.01% 15-Month CD at Beacon Bank in Minnesota
  3.01% Reward Checking Account at Beacon Bank in MN
• 10th
  5.00% 11-Month CD ($50K Max) at Advantis Credit Union in Oregon (branch only)
  3.30% 24-Month CD at Red Rocks Credit Union in Colorado
  3.10% 24-Month CD at CEFCU in California and Illinois
• 9th
  3.29% 12-Month CD & 3.03% 6-Month CD at Community Bank of Nevada
  3.29% 9-Month CD & 4.84% 60-Month CD at Prince George's Community FCU in Maryland
  3.00% 24-Month Add-On CD at Highlands Bank (Dallas Area Only)
  3.00% 24-Month CD & 2.75% 11-Month CD at Colonial Bank (FL, TX, ...)
  3.25% 39-Month CD and Other Competitive CD Rates at Regions Bank
  3.05% 18-Month CD at MidWest America Federal Credit Union in IN, KY & IL
• 8th
  60 Minutes Goes Behind the Scenes of a Bank Failure
  4.00% Reward Checking Account at Bank2 in OK
  Four Little Known Banks Still Offering 3-Percent-Plus Nationwide Savings Accounts
  3.00% 11-Month CD at Connexus Credit Union - Easy Membership
  3.50% 18-Month CD at Fox Chase Bank in PA & NJ
  3.66% 12-Month CD at South Jersey Federal Credit Union
• 7th
  Dollar Savings Direct Cuts Savings Account Rate Again - Options and Issues to Consider
  Best Short Term Savings Options
  The FDIC is Running Out of Money – Is Your Money Safe?
• 6th
  17th Bank Failure of 2009: Freedom Bank of Georgia
  4.25% 59-Month CD at US Bank Continues in CA - Benefit of Opening CD at Downey Savings Branches
  High-Yield Reward Checking Account at Brookhaven Bank in Georgia
  3.15% 12-Month CD at Global Commerce Bank - Georgia Only
  FDIC News and Status of Making the $250K Coverage Limit Permanent
• 5th
  Reward Checking Account at First National Community Bank in PA
  Online Savings Account and High Yield CDs at First National Community Bank in PA
  3.51% Savings Account for $100K+ at Valley Community Bank in Illinois
  3.85% 13-Month CD at The Village Bank in Southern Utah
• 4th
  High-Yield Reward Checking Account at Bank 1440 in Arizona
  3.03% 13-Month CD & Other High CD Rates at Bank of Essex in MD & VA
  3.00% 6-Month CD & 3.25% 12-Month CD at Mission Oaks National Bank in California
  $100 Checking Account Bonus at Compass Bank (available in AL, AZ, CO, FL, NM & TX)
  2.50% 9-Month Risk Free CD at Bank of America in Many States
  3.03% 18-Month CD at Meridian Bank in Arizona
• 3rd
  Review of GMAC Bank and its 12-Month CD - Nationally Available
  3.25% 6-Month CD at Navy Federal Credit Union
  Checking Account Bonus and Latest News at HSBC
  4.07% Reward Checking Account at Erie Federal Credit Union in Pennsylvania
• 2nd
  4.08% 5-Year CD & 2.90% 7-Month CD at Arizona Bank & Trust in Phoenix
  High-Yield Reward Checking Account at Bank of Newington in Georgia
  1.85% Reward Checking Account at Bank of Hiawassee in Georgia
  4.50% 60-Month CD & 4.00% 39-Month CD at Urban Trust Bank in FL & MD
  Pentagon Federal Credit Union's March CD Rates
• 1st
  Media Mentions & Help for New Readers
  High-Yield Reward Checking Account at Bank of Asheville in North Carolina
  High-Yield Reward Checking Account at Northstar Bank of Texas
  High-Yield Reward Checking Account at Raritan Bay Federal Credit Union in New Jersey
  3.50% 12-Month CD at First Bank in New Jersey
  $75 Checking Account Bonus Extended at PNC Bank
  4.00% Checking Account With No Debit Card Requirements at First Citizens Bank of Georgia - Local Deal

February 2009

• 27th
  15th and 16th Bank Failures of 2009
  Charles Schwab Bank's High Yield Investor Savings Account
  Checking Account Bonuses of up to $100 at M&T Bank - Nationally Available
  High-Yield Reward Checking Accounts at Southcoast Community Bank in South Carolina
  High CD Rates at Progressive Credit Union in New York
  4.00% 12-Month CD at Self Reliance New York Federal Credit Union
  3.50% 25-Month CD & 4.00% 35-Month CD at West End Bank in Indiana
  What's Your Long Term Savings Plan?
• 26th
  FDIC's Fourth Quarter Report - Number of Problem Banks Increased to 252
  4.08% 24-Month CD at NorthEast Community Bank in New York
  3.51% Reward Checking Account at Community State Bank in Wisconsin
  3.00% 12-Month CD at Delta Community Credit Union - Easy Membership
  Are CD's With No Penalties a Good Thing?
• 25th
  4.00% 12-Month CD at Regal Financial Bank - Nationally Available
  4.12% 15-Month CD for Current Members of Northrop Grumman FCU
  Reward Checking Account at First City Bank in Florida
  3.00% 9-Month CD & 4.25% 60-Month CD at First Priority Credit Union in MA
  3.25% 14-Month CD at First Choice Bank in New Jersey
  3.25% 18-Month CD at Alliance Bank in Virginia
  3.00% 14-Month CD at Royal Asian Bank in PA, NY and NJ
  3.00% 10-Month CD & 3.75% 39-Month CD at AMCORE Bank in IL & WI
• 24th
  High Yield Money Market Account at ADB Bank - Nationally Available
  3.05% 7-Month CD at Citizens Bank in Tennessee
  3.56% Short-Term Internet CDs and Other Competitive Rates Continue at Hanmi Bank - CA Only
  4.01% Reward Checking Account at First Bank in Iowa
  4.05% Reward Checking Account at American National Bank of Fremont in Nebraska
  3.25% 13-Month CD & 3.00% 7-Month CD at Atlantic Southern Bank in GA & FL
  3.10% 15-Month CD & 3.05% 7-Month CD at Island FCU in New York
  3.50% 12-Month CD & 3.35% 6-Month CD at Philadelphia Federal Credit Union
  3.10% 18-Month CD at First Northern Credit Union in Illinois
• 23rd
  4.25% 59-Month CD & 2.50% 10-Month CD at US Bank in California
  High Yield Savings Account at Centennial Bank - Nationally Available
  3.35% 24-Month CD at Connexus Credit Union - Easy Membership
  3.25% Reward Checking Account at People's Community FCU in Washington State
  3.25% 17-Month / 3.15% 11-Month CD at Tri Boro FCU in Pennsylvania
  2.50% Money Market Account with Rate Guaranteed till Jun 30th at Bank of America in Texas
• 21st
  14th Bank Failure of 2009: Silver Falls Bank in Oregon
  Get the Most Out of Your Tax Refund
  Tired of Losing Your Retirement Money? Open a Fixed Rate IRA
• 20th
  3.14% 12-Month CD at Velocity Credit Union in Texas - Easy Membership
  3.53% 6-Month CD with Liquid Features at Uniti Bank in California
  3.50% Reward Checking Account at First National Bank of Elk River in MN
  3.15% 8-Month CD at Canyon State Credit Union in Arizona (up to 3.65%)
  3.00% 12-Month CD at Countryside FCU in New York State
• 19th
  4.00% 6-Year CD at Third Federal Savings & Loan - Nationally Available
  3.00% Reward Checking Account at Savings Institute Bank & Trust in CT
• 18th
  SEC Files Charges Against Stanford International Bank
  3.00% 18-Month CD & 3.25% Internet Savings Account at First Trade Union Bank - Nationally Available
  3.30% 12-Month CD at America West Bank in Utah
  3.55% Reward Checking Account at America West Bank in Utah
• 17th
  3.30% 4-Month CD & 3.00% Online Savings Account at Danvers Bank in MA
  3.00% Reward Checking Account at St. Helens Community Federal Credit Union in Oregon
  3.00% Reward Checking Account at BankFirst Financial Services in Mississippi
• 16th
  3.10% Internet Savings Account at Redneck Bank - Nationally Available
  4.00% 59-Month CD at US Bank
• 15th
  3.10% 12-Month Jumbo CD at Texas Brand Bank
  Another Hot Deal is Restricted - Doral Bank Direct
  Checking Account Bonuses at WaMu and Chase Branches
  3.50% 15-Month CD at Amalgamated Bank in NY, NJ, DC & CA
  High-Yield Reward Checking Account at IH Mississippi Valley Credit Union in IL & IA
• 14th
  Stimulating $400 Per-Worker Tax Credit for 2009 and 2010
  Fixed Rate CDs: Investment or Savings?
• 13th
  Four Banks Fail Today, 13 Bank Failures for 2009
  Clear Sky Stops Accepting New Customers and Deposits from Existing Customers
  Stanford International Bank and Other Foreign Banks That Offer High CD Rates
• 12th
  Reward Checking Account at Capital Educators FCU in Idaho
  4.01% Reward Checking Account at Fairmont Federal Credit Union in West Virginia
  3.28% 9-Month CD & 3.50% 24-Month CD at Pacific Global Bank in Chicago
  4.00% 4-Month CD & 3.50% 15-Month CD at Highgrove Community FCU in Minnesota
  Competitive CD Rates and a $50 Bonus at Discover Bank - Nationally Available
  3.46% 11-Month and 18-Month CD at USAlliance Federal Credit Union in MA, NY and NJ
• 11th
  4.88% 5-Year CD and Other High CD Rates at Northwest FCU in Virginia - Easy Membership
  3.83% Money Market Account Guaranteed Through Aug 2009 at Anchor Bank in Washington State
  2.90% 12-Month CD & 2.50% Savings Account at Hudson City Savings Bank - Nationally Available
  3.15% 13-Month Add-On CD at AltaOne FCU in California
  2.75% Reward Checking Account at Mutual Security Credit Union in Connecticut
  $101 Checking Account Bonus at Sterling Savings Bank on the West Coast
  3.75% 12-Month CD & 4.25% 24-Month CD at Urban Trust Bank in FL and MD
• 10th
  ACH Transfers and Linking External Accounts at Dollar Savings Direct
  4.01% Reward Checking Account at Artisans' Bank in Delaware
  3.50% 13-Month CD at America First Credit Union in Utah
  3.50% 24-Month CD & 4.00% 48-Month CD at Police and Fire CU in Pennsylvania
• 9th
  3.25% 9-Month CD at Flagstar Bank - Nationally Available
  High-Yield Reward Checking Account at Allegiance Credit Union in Oklahoma
  3.25% 20-Month CD at Truliant Federal Credit Union in North Carolina
• 8th
  3.00% 10-Month CD and other Deals at Western FCU - Easy Membership
  3.60% 12-Month CD at Parda FCU in Several States - Limited Membership
  3.40% 12-Month CD & 4.25% 48-Month CD at Alliant Credit Union - Easy Membership
  3.65% 12-Month CD and Other High Rate CDs at Melrose Credit Union in New York - Easy Membership
• 7th
  H&R Block Bank Money Market and Checking Accounts - Nationally Available
  Should You Keep All of Your Accounts With One Bank?
  Checking Accounts for Teenagers
• 6th
  9th Bank Failure of 2009: County Bank in California
  8th Bank Failure of 2009: Alliance Bank in California
  7th Bank Failure of 2009: FirstBank Financial Services in Georgia
  3.50% 16-Month CD at Peoples Trust Credit Union in Michigan
  $125 Checking Account & Direct Deposit Bonus at Tower FCU in Maryland
  3.60% 15-Month CD & Other High CD Rates at STCU in Washington State
  4.00% 13-Month CD and Other High CD Rates at Business Bank in Washington State
• 5th
  3.25% 12-Month CD at First Entertainment Credit Union in Los Angeles
  3.75% 19-Month CD at Teachers Credit Union in Indiana
  4.00% 4-Year CD at Capital One Direct - Nationally Available
  3.51% Reward Checking Account at First National Bank of Berlin, Wisconsin
  4.00% 18-Month CD at Pinnacle Federal Credit Union in NJ - Easy Membership
  Free Apple 8 GB iPod Touch Checking Account Promotion at The Bryn Mawr Trust Company in PA
  High-Yield Reward Checking Account at Florida Bank of Commerce
• 4th
  3.75% 2-Year Add-On CD at Northwest FCU in Virginia - Easy Membership
  High-Yield Reward Checking News - Growing Popularity
  3.75% 10-Month Online Hybrid CD at 1st Mariner Bank - $50K Max
  4.17% 17-Month CD and Other High Yield CDs at South Jersey FCU
  High-Yield Reward Checking Account at Texans Credit Union
• 3rd
  $123 Checking Account Bonus at Provident Bank
  3.44% 18-Month CD at Velocity Credit Union in Texas - Easy Membership
  3.51% 12-Month CD at Peoples Bank in Georgia
  2.01% Reward Checking Account at Peoples Bank in Georgia
  Pentagon Federal Credit Union's February CD Rates
  $100 Bonus, 2.75% APY Checking Account and 3% 9-mo CD at Sun National Bank in New Jersey
• 2nd
  5.00% 5-Year CD & 4.00% 18-month CD Continue at Community One FCU in Las Vegas
  4.50% 5-Year CD and Other High CD Rates at Mountain America Credit Union - Easy Membership
  3.25% 6-Month Jumbo CD at Teachers Federal Credit Union in New York
  3.50% 18-Month CD at NASA Federal Credit Union - Easy Membership
  Carnival of Saving Money - Fifth Edition
• 1st
  3.50% 11-Month CD & 3.50% Savings Account For 3 Months at Doral Bank Direct
  3.50% 13-Month CD & 3.15% 7-Month CD at Sunshine Savings Bank in Florida
  3.25% 10-Month CD and Other High CD Rates at Tri-Co FCU in New Jersey
  3.50% 12-Month CD and Other High CD Rates at Montauk Credit Union in New York City

January 2009

• 31st
  3.75% Savings Account at Clear Sky May Be Ending Soon
  3.71% 12-Month CD and Other High-Yield Internet CDs at City Bank
  Updates to My Nationwide Reward Checking Accounts List
  Minimize Your Investment Taxes
  Savings Accounts for Children
• 30th
  6th Bank Failure of 2009: Ocala National Bank, Florida
  5th Bank Failure of 2009: Suburban Federal Savings Bank in Maryland
  4th Bank Failure of 2009: MagnetBank in Utah
  3.25% 24-Month CD at iGObanking.com - Nationally Available
  3.80% Reward Checking Account at Rockland Federal Credit Union in MA
  3.25% CD for Terms of 1 Year to 2 Years at Southeast Financial FCU - Easy Membership
  3.55% 22-Month CD at State Bank of Graymont in Illinois
  4.33% 15-Month CD at Tuscaloosa VA FCU in Alabama
  3.40% 12-Month CD & 3.45% 24-Month CD at Singing River FCU in Mississippi
• 29th
  FOMC Meeting - Rate Stays Near Zero with No Changes on the Horizon
  4.07% 18-Month CD at Ohio Valley Community Credit Union
  3.55% 14-Month CD at Hershey Federal Credit Union in PA
  3.50% 9-Month CD & 3.61% 24-Month CD at Prudential Savings Bank in PA
  3.56% 25-Month CD & 3.25% 13-Month CD at Crane FCU in Indiana - Easy Membership
  3.50% 5-Month CD & 3.40% 13-Month CD at First Florida Credit Union
  3.65% 24-Month CD & 3.25% 12-Month CD at Air Force FCU
  3.59% 17-Month CD at SC State Credit Union in South Carolina
• 28th
  4.11% 20-Month CD & 3.75% 14-Month CD at Directions Credit Union in Ohio
  3.50% 24-Month CD at FirstBank - Nationally Available
  3.75% 15-Month CD at Eagle National Bank in Pennsylvania
  5.00% 60-Month CD & 4.00% 12-Month CD at TwinStar Credit Union in Parts of WA State
  3.51% Reward Checking Account at Timberland Bank in Washington State
  4.00% 24-Month IRA CD & 3.20% 18-Month CD at Atlas Savings in New York
  3.50% 15-Month CD & 3.40% 12-Month CD at Homewood Federal Savings Bank in Maryland
  Citibank's Checking, Money Market and Credit Card Promotion
• 27th
  FDIC Proposes Interest Rate Restrictions on Weak Banks
  3.50% 16-Month CD at Mutual Bank - Nationally Available
  3.65% Reward Checking Account at First Colebrook Bank in New Hampshire
  3.50% 12-Month CD at First Citrus Bank in Florida
  4.00% 5-Month CD, 3.50% 9-Month CD & Other High CD Rates at First Priority Credit Union in MA
  3.50% 11-Month CD at LA Financial Credit Union in California
  3.30% 9-Month CD & 3.51% 24-Month CD at Members Plus Credit Union in MA
• 26th
  High CD Rates and a Money Market Account Bonus at Firstmark CU in Texas - Easy Membership
  Debit Cards, Credit Cards and Reward Checking Accounts
  4.00% Reward Checking Account at Franklin Bank & Trust Company in Kentucky
  3.25% 10-Month CD & 3.40% 15-Month CD at Omni National Bank
  Carnival of Saving Money - Fourth Edition
• 25th
  4.08% Short-Term Internet CDs Continue at Hanmi Bank - California Only
  0.88% Reward Checking Account at The Bank of Georgia
  3.30% 18-Month CD & 3.10% 9-Month CD at Community Banks of Colorado
  3.50% 7-Month CD and Other High CD Rates at Associated Credit Union of Texas
  3.00% 6-Month CD at Navigant Credit Union in Rhode Island
  Thinking About Rolling Your 401K Plan into an IRA?
• 24th
  4.00% 36-Month CD & Other High CD Rates at H&R Block Bank - Nationally Available
  4.60% 30-Month IRA CD & 3.50% 6-Month CD at Navy Federal Credit Union
  Money Management During a Recession
• 23rd
  3rd Bank Failure of 2009: 1st Centennial Bank in California
  DollarSavingsDirect Savings Account Yield Falls to 3.50% - Alternatives?
  3.65% 30-Month CD at Prospect Federal Savings Bank in Chicago
  3.75% 7-Month CD at Leominster Credit Union in Massachusetts
  3.75% 9-Month CD & 3.55% 11-Month CD at Belco Community Credit Union in PA
  1.26% Reward Checking at Denali State Bank in Alaska
• 22nd
  3.90% 12-Month CD & 3.50% 6-Month CD at Frontier Bank in WA & OR
  4.86% 60-Month CD & 3.56% 12-Month CD at Langley FCU in Virginia
  $200 Checking Account Bonus Continues at Metropolitan National Bank - Nationally Available
  High-Yield Reward Checking Account at Reliabank Dakota in South Dakota
  3.51% 18-Month CD at SECU Credit Union in Maryland
• 21st
  3.84% 24-Month CD and Other High Rates at People's Trust FCU - Easy Membership
  $150 Gift Checking Account Bonus at HSBC Bank
  High-Yield Reward Checking Account at Crescent State Bank in North Carolina
  4.00% 11-Month CD and 4.60% 46-Month CD at BayPort Credit Union in Virginia
  4.00% 48-Month CD and Other CD Deals at 1st United Services Credit Union in California
  3.50% 13-Month CD at South Shore Savings Bank in Massachusetts
  High-Yield Reward Checking Account in South Shore Savings Bank in MA
• 20th
  4.00% 39-Month CD and 3.50% 10-Month CD at Amcore Bank in IL and WI
  3.95% 13-Month CD and 3.75% 7-Month CD at Sunshine Savings Bank in Florida
  3.25% 6-Month CD at Maritime Savings Bank in WI and AZ
  3.70% 12-Month CD and Other High Rates at First Asian Bank in Las Vegas
  3.33% 9-Month CD at Mission FCU in San Diego
  4.33% 2-Year CD at AEA Federal Credit Union in Arizona
  5.13% 5-Year IRA CD at Neighborhood National Bank in California
  3.50% 17-Month CD and 3.00% 8-Month CD at United Financial Bank of Florida
• 19th
  E*TRADE Bank - Savings Account Promotion and Account Updates
  5.32% 7-Year CD at USAA Federal Savings Bank - Nationally Available but Membership Restrictions
  3.40% 13-Month CD at Eastern Financial Florida Credit Union
• 18th
  How is 5% Checking Possible? The Math Behind Reward Checking Accounts
  $100 Checking Account Bonus at Sovereign Bank
  4.11% Reward Checking Account at Catholic Credit Union in Washington State
  4.15% 50-Month Add-On CD at Ent Federal Credit Union in Colorado
  3.80% 12-Month CD at Plus4 Credit Union in Houston
  3.25% CD for Terms of 3 to 5 Months at St. Louis Bank
• 16th
  2nd Bank Failure of 2009: Bank of Clark County in Washington State
  First Bank Failure of 2009: National Bank of Commerce in Illinois
  4.00% 12-Month CD & 3.75% 6-Month CD at First Command Bank - Nationally Available
  3.04% Reward Checking Account at ELGA Credit Union in Michigan
  4.00% 7-Month CD & 4.00% 18-Month CD at One Georgia Bank - Atlanta Area Only
  3.61% 15-Month CD & 3.45% 9-Month CD at FAA Credit Union in Oklahoma
  3.75% 24-Month CD at Austin Telco Federal Credit Union
  Understanding the Differences Between a Money Market Deposit Account and a Money Market Mutual Fund
• 15th
  $150 Checking Account Bonus at Compass Bank (available in AL, AZ, CO, FL, NM & TX)
  Sign that Rates are Falling Fast
  4.50% 60-Month CD & 3.75% 24-Month CD at PSECU in Pennsylvania
  3.25% Reward Checking Account at Campus Federal in Louisiana
  3.30% Reward Checking Account at CINCO Credit Union in Ohio
  UmbrellaBank Raises CD Rates & Update on its Money Market Account - Nationally Available
  3.50% 13-Month CD at SC Telco Federal Credit Union in South Carolina - Easy Membership
  5.00% 60-Month CD & 3.75% 10-Month CD at Tri-Co FCU in New Jersey
  55 Ways to Save $1 a Day
• 14th
  3.75% 6-Month CD & 5.10% 84-Month CD Continue at Navy Federal Credit Union
  4.00% 24-Month CD & 3.80% 12-Month CD at Community Bank of Nevada
  4.00% 24-Month CD at Warren FCU in Wyoming
  4.01% Reward Checking Account at Warren Federal Credit Union in Wyoming
  $101 Checking Account Bonus at Signal Financial Federal Credit Union in DC
• 13th
  3.96% 12-Month CD at Northrop Grumman FCU - Easy Membership
  3.97% 12-Month CD at Pinal County FCU in Arizona
  3.92% 12-Month CD at Baptist Credit Union in Texas
  3.52% 18-Month CD at Neighborhood National Bank in California
  3.90% 19-Month CD & 4.00% 30-Month CD at Riverside Bank in Florida
  5.00% 15-Month $10K-Max CD at United Consumers Credit Union in Missouri
  4.50% 5-Month CD in Brewery Credit Union in Wisconsin
  3.80% 15-Month CD at Co-op Services CU in Michigan - Easy Membership
  4.75% 60-Month CD & 4.00% 36-Month CD at Ponce De Leon Federal Bank in New York City
• 12th
  House Bill Seeks to Make Permanent the $250K Deposit Insurance Limit
  4.50% 48-Month CD & 4.25% 36-Month CD at Alliant Credit Union - Nationally Available
  3.45% 11-Month CD at First Commercial Bank of Florida
  $75 Checking Account/Direct Deposit Bonus at PNC Bank - Update
  Review of PNC Bank's Virtual Wallet, Checking/Savings Account
  Carnival of Saving Money #3: Finance Funnies and Quotes
• 11th
  3.75% 12-Month CD at GMAC Bank - Nationally Available
  3.75% 15-Month CD & 3.60% 10-Month CD at Jefferson Bank & Trust in Missouri
  3.90% 13-Month CD & 3.75% 8-Month CD at Peoples First Community Bank in Florida
  3.25% 9-Month Internet CD at Hyde Park Savings Bank for MA Residents
  4.50% 5-Year CD and Other High CD Rates at Resource One Credit Union in Texas
  4.00% 9 & 12-Month CD and Other Specials at an Amboy Bank Branch in New Jersey
• 9th
  4.75% 60-Month CD at Suffolk FCU in New York
  4.06% 24-Month CD at Seaway Bank and Trust Company in Chicago
  OneUnited Highlighted in CNN Article on US Bailouts of Unsafe Banks
  4.25% Reward Checking Account at Bank Iowa, Oskaloosa
  4.00% Reward Checking Account at Bank Iowa, Altoona
  4.25% 60-Month CD at Valley Credit Union (now part of CEFCU) in California
  4.00% 6-Month CD & 4.15% 13-Month CD at Alliance Bank in Kentucky
  Top 10 Free Online Money Management Tools
  IRA CD is a Safer Investment – But Will Limit the Money You Have When You Retire
• 8th
  4.30% 15-Month IRA CD at United Heritage Credit Union in Texas
  4.00% 19-Month CD at Foster Bank in Chicago
  4.60% 60-Month CD & 4.10% 48-Month CD at Huntington Bank - Nationally Available
  4.00% CD for Terms from 18 to 35 Months at First Federal Savings Bank in PA
  3.90% 15-Month CD at Bronco FCU in Virginia
  4.01% Reward Checking Account at State Bank of The Lakes in Illinois
  $50 Checking Account Bonus Without Direct Deposit at TCF Bank
• 7th
  4.78% 9-Month CD, 4.50% 24-Month CD & 5.25% 60-Month CD at Family Horizons CU in Indiana
  4.20% 6-Month CD and Other High Rates at Hanmi Bank in California
  4.00% 30-Month CD at Qualtrust Credit Union in Texas
  4.00% 9-Month CD, 4.10% 15-Month CD and Other CD Specials at Crescent Bank & Trust in Louisiana
  4.20% 60-Month CD & 4.10% 48-Month CD at Meriwest Credit Union in CA & AZ
  4.00% 24-Month CD & 3.75% 18-Month CD at Millennium Bank in Illinois
  4.07% 12-Month CD at Energy Credit Union in Massachusetts
  3.75% 17-Month CD at Colonial Bank in AL, GA, FL, TX & NV
• 6th
  4.00% 12-Month CD and a Special CD Ladder at America First Credit Union in Utah
  5.00% 60-Month CD at MBank in Oregon
  Alliant Credit Union's Free High Rate Checking Account & Updates on its Savings Account, HSA and CDs
  3.75% 24-Month CD at MetLife Bank - Nationally Available
  4.17% 17-Month CD at South Jersey Federal Credit Union
  3.75% 15-Month CD at Provident Credit Union in California - Easy Membership
  3.75% 6-Month CD & 4.15% 18-Month CD at San Antonio FCU
  $150 Checking Account Bonus Continues at NuVision Credit Union
  3.55% 7-Month CD & 3.75% 13-Month CD at Ocean Bank in South Florida
• 5th
  New Internet Bank - Clear Sky - 3.75% Savings Account Guaranteed through 3/31/09
  4.00% Reward Checking Account at AmericaNet Bank - Nationally Available
  3.75% 11-Month CD & 3.25% 4-Month CD at Digital Credit Union - Easy Membership
  4.00% 14-Month CD at Phoenixville Federal Bank & Trust in Pennsylvania
  4.01% 24-Month CD & 4.60% 60-Month CD at First Jersey Credit Union
  4.50% 60-Month CD at Acacia Federal Savings Bank - Nationally Available
  3.75% 5-Month CD & 3.70% 13-Month CD at First Florida Credit Union
• 4th
  4.00% Reward Checking Account at Bank of the Wichitas (Redneck Bank)
  3.00% Reward Checking Account at the Internet Bank CBDirect
  3.75% 10-Month CD & 3.90% 15-Month CD at Omni National Bank
  Index of Resources to Find the Best Bank Deals
  4.50% 14-Month IRA CD at Apple Federal Credit Union - Easy Membership
  4.33% 13-, 23- and 33-Month CDs at Advance Financial FCU in Indiana
• 3rd
  Very High CD Rates at Christian Community CU in California - Easy Membership but ASI-Insured Only
• 2nd
  4.75% 60-Month CD at Mountain America Credit Union - Easy Membership
  4.00% 12-Month CD & 4.10% 24-Month CD at Atlanta Postal Credit Union
  4.50% 48-Month Online CD at Flagstar Bank
  $100 Checking Account/Direct Deposit Bonus at Flagstar - Update
  Learning to Live on 70% of Your Income
• 1st
  Review of the 2008 Credit Union Liquidations
  4.05% 13-Month CD at Western FCU - Easy Membership
  New CD Rates at Navy Federal Credit Union
  New CD Rates at Pentagon Federal Credit Union