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Bank Deals Blog - 2009

January 2010

14th	Flagstar Bank Launches New Internet Website 2.15% 12-Month Online CD at Franklin Synergy Bank - Available Nationwide
13th	Salem Five Direct's Checking Account Update and Its New Online Savings Account
10th	4.00% Reward Checking Account at Bank2 in OK 3.00% Savings Account at Solera National Bank in Colorado
9th	4.07% 60-Month CD at IH Mississippi Valley Credit Union in IL & IA - Local Only 3.50% 48-Month CD at Rollstone Bank & Trust in MA - Local Only 2.00% 12-Month CD, 2.50% 23-Month CD & 3.25% 42-Month CD at Regions Bank in Several States 2.50% 16-Month Jumbo CD Continues at Teachers Federal Credit Union in New York - Local Only 2.26% 12-Month CD at 1st Financial FCU in Missouri - Local Only 2.00% 6-Month Jumbo CD at Mutual Federal Bank in Chicago - Local Only UFB Direct's New 2% US Savings Account - How Long Will This Last?
7th	High-Yield Reward Checking Account at City National Bank in Texas - Nationally Available
5th	2.25% 24-Month Add-On CD at NexBank in Texas - Local Only
4th	4.05% Reward Checking Account at American National Bank of Fremont in Nebraska
2nd	3.00% 36-Month CD at State Bank of India (California) - Local Only 2.25% 16-Month CD at DollarSavingsDirect - Available Nationwide

December 2009

31st	High-Yield Reward Checking Account at Public Service Credit Union in Indiana - Local Only New Year's Eve Credit Union Liquidation 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
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
29th	Discover Bank's New Limited-Penalty-Free CD and its New Online Savings Account 2.15% 7-Month CD at One Georgia Bank - Atlanta Area Only 2.25% 12-Month CD at North Alabama Bank - Local Only How the Proposed Fed CDs Will Affect Savers?
28th	$200 Checking Account Bonus at Union Bank in CA, WA and OR 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
27th	The Differences between Credit Unions and Banks 2.50% 24-Month CD at First American International Bank in New York City - Local Only 2.50% 13-Month CD & 2.26% 7-Month CD at The Farmers Bank in Tennessee
23rd	Useful Reward Checking Account Tips 3.50% 60-Month CD at City National Bank in NJ, NY & PA - Local Only
22nd	Update on the 4.07% 18-Month CD ($25K Max) at Citibank via its Secured MasterCard Program 2.15% Money Market Promo with Rate Guaranteed to 3/31/10 at One World Bank in Dallas - Local Only
21st	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	Competitive 2- and 5-Year CDs at Northwest FCU - Available Nationwide Competitive 5-Year CD at Northwest FCU with Useful IRA Feature - Available Nationwide
19th	4.25% Reward Checking Account at Incommons Bank in Texas - Local Only
18th	7 Banks Fail Including UmbrellaBank's Parent and Imperial Capital 2.10% 12-Month CD at First Choice Bank in California - Local Only 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 2.65% 24-Month CD & 1.90% 6-Month CD Continues at Signature Bank in New York City - Local Only 3.00% Reward Checking Account at BankFirst Financial Services in Mississippi
17th	AmTrust Bank and Five Other Banks Are Shut Down by Regulators New Online Savings Account and CDs at American Express Bank 2.25% 11-Month CD Special is Back at Colonial Branches of BB&T - TX, FL & NV 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 Citizens & Northern Bank in PA - 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 2.20% 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	2.00% Reward Checking Account at Legacy Bank of Florida - Local Only 2.47% 17-Month CD at Security Savings Bank in Kansas 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 2.70% 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	2.00% 6-Month CD & 2.20% 12-Month CD at Communication FCU in OK - Local Only $100 Checking Account Bonus at Bank of America - Update 2 4.00% Reward Checking Account at Adams Bank & Trust in NE & CO - Local Only Competitive Short-Term Internet CD at EBSB Direct - Available Nationwide 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
12th	2.00% Checking Account with Rate Guaranteed for One Year at Flagstar Bank - GA, MI & IN Only 2.81% Savings Account Guaranteed to 9/30 at EBSB Direct 2.60% Reward Checking Account with $100K Balance Cap at Savoy Bank in NYC - Local Only
11th	Three Banks Closed by Regulators in FL, AZ and KS 3.00% 45-Month Online CD at Reliabank Dokota - Available Nationwide The Last Remaining 6% Reward Checking Account 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	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	GMAC Bank Changes Name to Ally Bank - New 2.50% 9-Month No-Penalty CD 4.06% 48-Month CD & 3.29% 36-Month CD at Founders FCU in SC/NC - Local Only EXPIRED: 2.75% 18-Month CD & 4.00% 60-Month CD at Greylock FCU in MA - Local Only Review of PNC Bank's Virtual Wallet, Checking/Savings Account
7th	2.52% 25-Month CD & 2.02% 14-Month CD at First Bank in Kansas - 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
6th	4.05% Reward Checking Account at Cross Key Bank in Louisiana - Available Nationwide Competitive CD Rates at Self-Help Credit Union in NC & CA - Available Nationwide
5th	2.60% 12-Month CD at Cecil Bank in Maryland - Local Only 2.09% 18-Month CD & 3.00% 36-Month CD at First Entertainment Credit Union in CA - Local Only 2.40% 16-Month Jumbo CD at Teachers Federal Credit Union in New York - Local Only Update on SmartyPig's High-Yield Savings Account
4th	4.41% Reward Checking Account at United Bank of Kansas - Local Only Velocity Credit Union in Texas Begins Voting Process for Switch to Private Insurance
3rd	Update on the Best Nationwide Reward Checking Account - Bank of the Sierra 2.53% 24-Month CD at Commerce National Bank in Texas - Local Only High-Yield Reward Checking Account at River City Bank in Georgia - 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	Certificate and Credit Card Deals at Pentagon Federal Credit Union - Available Nationwide Update on PenFed CDs for January - New and Rollover CDs AmTrust Financial Files for Bankruptcy - Future of AmTrust Bank? 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	3.50% 5-Year CD & 4.00% 7-Year CD at First National Community Bank in PA - YMMV Nationally Available Credit Union News - ASI Review and a Credit Union Liquidation

November 2009

30th	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	High CD Rates Continue at Progressive Credit Union in New York - Limited Membership
28th	2.50% 12-Month CD & 2.25% Money Market Account at Coastal Carolina National Bank in SC - Local Only 3.00% 36-Month CD at Mutual of Omaha Bank in CA, NV, AZ, CO, NE & TX - Local Only 2.50% 17-Month CD at Royal Asian Bank in PA, NJ & NY - Local Only 3.51% Reward Checking Account at First-Lockhart National Bank in Texas 3.51% Reward Checking Account at Timberland Bank in Washington State
27th	FDIC Releases October Enforcement Actions 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 3.50% Reward Checking Account at First National Bank of Elk River in MN
26th	High Yield Savings Account at Centennial Bank - Nationally Available 2.59% 10-Month CD at Altana FCU in Montana - Local Only
25th	Alliant Credit Union's Savings Account Rate to Remain 2% Through December High-Yield Low-Max CD Specials CD Rates Fall at Melrose Credit Union But Remain Competitive - Available Nationwide - Update 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 2.00% Money Market Account with Rate Guaranteed for 6 Months at New Century Bank in PA - Local Only
24th	FDIC's Third Quarter Report - Number of Problem Banks Increased to 552 High-Yield Reward Checking Account at Cedar Rapids Bank & Trust in Iowa - Local Only
23rd	3.50% 60-Month CD at LGE Community Credit Union in GA - Local Only High-Yield Reward Checking Account at LGE Community Credit Union in GA - Local Only 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	4.01% Reward Checking Account at Centera Bank in Kansas - Local Only 4.01% Reward Checking Account at Leominster Credit Union in MA - Local Only High-Yield Reward Checking at MBT Bank in Iowa - Local Only 5.01% Reward Checking Account at Citizens First Bank in Iowa - Local Only 5.01% Reward Checking Account at Farmers State Bank in Iowa - Local Only 5.01% Reward Checking Account at First National Bank of Syracuse in Kansas - Local Only High-Yield Reward Checking Account at Legacy Community FCU in Alabama - Local Only 3.01% Reward Checking Account at Wyoming National Bank - Local Only 2.00% Reward Checking Account at Amegy Bank in Texas - Available Nationwide 4.00% Reward Checking Account at First State Bank & Trust Company in Nebraska 3.75% Reward Checking Account at Liberty Savings Bank - Nationally Available 3.15% Reward Checking Account at Pony Express Bank in Missouri 4.05% Reward Checking Account at Community National Bank in Kansas - 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	One Small Florida Bank Closed - 124th Bank Failure of 2009 2.38% 16-Month & 2.15% 6-Month Jumbo CDs at Mega Bank in California - Local Only 2.75% 6-Month Add-On CD ($25K Max) at STC Capital Bank in Illinois Bank of America's Special Rate Money Market Savings Account 2.25% 7-Month Jumbo CD & Other Competitive CDs at Consumers Credit Union - Easy Membership Bank of Internet's New Advantage Savings Account with a 2.50% APY - Nationally Available
20th	ING Direct's Black Friday CD and Electric Orange Checking Specials 2.52% Money Market Account Continues at South Florida FCU - Local Only
17th	FDIC's Fall 2009 Consumer News - FDIC Coverage, Safe Deposit Box, Debit Card Protections 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
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 2.15% 12-Month CD at Texas National Bank in Texas - Local Only
15th	$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 3.50% Reward Checking Account at MAC FCU in Alaska - Local Only
14th	2.50% 12-Month CD at DOCO Regional FCU in GA & NC - Local Only 2.78% 12-Month CD &t 3.09% 27-Month CD at Wings Financial CU in MN & Other Places with Limited Membership New High-Yield Internet Checking Account at Incredible Bank - Available Nationwide 2.15% 10-Month CD and Other Competitive Rates at OneWest Bank - Available Nationwide 2.05% Money Market Account and 2.28% 12-Month CD at Seacoast Commerce Bank in CA - Nationally Available
13th	Two Florida Banks and One California Bank Closed by Regulators High-Interest Reward Checking Account at Patriot Bank in Florida SFGI Direct's 2.25% Online Savings Account Is Open Again But With Changes Competitive Online Savings Account at SFGI Direct Last Chance at the 2.25% Savings Account at SFGI Direct? Update on SFGI Direct - The Top Online Savings Account 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
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) 2.25% 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 TD Bank's Elite Savings Account Promotion 4.19% Reward Checking Account and 3.19% Savings Account at D.L. Evans Bank in ID – Local Only
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 $150 Checking Account Bonus at Harris Bank 2.33% Checking Account with Rate Guaranteed to March 2010 at Austin Bank of Chicago - Local Only
10th	2.00% 9-Month CD & 2.50% 20-Month CD at Institution for Savings in MA - Local Only 2.00% 6-Month CD at Verity Credit Union in Washington State - Local Only 2.70% 27-Month World Series CD Special at The Berkshire Bank in NYC - 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
9th	3.01% Reward Checking Account at The Farmers Bank - Georgia Residents Only 4.01% Reward Checking Account at Fairmont Federal Credit Union in West Virginia 3.01% Reward Checking Account at Members First Credit Union in Parts of NH & MA - Local Only 3.33% Reward Checking Account at Peoples Bank of Kankakee County 2.50% Reward Checking Account at Insight Financial Credit Union in Florida High-Yield Reward Checking Account at Point Loma Credit Union in California 4.50% Reward Checking Account at Texas Heritage Bank - Local Only 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	4.01% Reward Checking Account at Panther Community Bank in Southwest Florida 2.75% Reward Checking Account at F&M Bank in Tennessee - Local Only 3.01% Reward Checking Account at Community Bank in Louisiana - Local Only High-Yield Reward Checking Account at Raritan Bay Federal Credit Union in New Jersey 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 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
7th	2.27% Jumbo 12-Month CD at AllSouth Credit Union in South Carolina - Local Only 2.75% 24-Month CD & 3.00% 36-Month CD at First Priority Credit Union in MA - Local Only $50 Bonus for Amboy Direct's eSavings Account Continues - Nationally Available Competitive Money Market Account at Delta Community CU - Easy Membership 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 2.10% 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 $150 Checking Account Bonus at National City Bank in Some States
4th	Fed Still Saying Exceptionally Low Rates for Extended Period 106 Bank Failures for 2009 High-Yield Reward Checking Account at South Division Credit Union in Illinois - Available Nationwide $150 Checking Account Bonus at First Tennessee Bank - Local Only
3rd	World Series CD Special at South Jersey FCU - Local Only Charter Bank Slashes the Rate on its Nationwide Reward Checking Account
2nd	2.10% 12-Month CD at UmbrellaBank - Available Nationwide Treasury Announces New I Bond Rate of 3.36% - Fixed Rate of 0.30% $100 Checking Account Bonus and an Online Savings Account at Bank of the West History of the Government's Intervention into GMAC and Ally Bank High-Yield Reward Checking Account at First Federal in North Carolina - Local Only

October 2009

31st	5.00% Reward Checking Account at Village Bank in MN - Local Only High-Yield Reward Checking Account at BankTexas
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 2.25% 12-Month & 1.90% 9-Month CD at Bank Midwest in MO & KS
28th	Another Case of a Bank Discouraging Small Debit Card Purchases in its Reward Checking Account
27th	Benefits of Online Banking GMAC Reported To Have Agreed to Deposit Rate Limitations Review of Sovereign Bank's Save & Invest CD Package 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	Update on the Online Savings Account at Newtown Savings Bank - Nationally Available 2.30% Online Savings Account at Newtown Savings Bank in CT - Nationally Available 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 Credit Union Members Beware: Your Credit Union May Drop Federal Deposit Insurance
24th	3.75% Reward Checking Account at First United Bank and Trust Co. in Kentucky - Local Only 3.01% Reward Checking Account at Columbia River Bank in WA & OR 4.15% Reward Checking Account at Greater Rome Bank in Georiga Reward Checking Account at First City Bank in Florida Alliant Credit Union Increases CD Rates, Holds Savings Account Rate Steady - Available Nationwide 4.07% 60-Month CD and Other High CD Rates at United Community Credit Union in IL & MO - Local Only 3.25% 42-Month CD at Regions Bank in Several States 2.40% 11-Month CD & 2.65% 18-month CD at Island FCU in New York - Local Only UmbrellaBank Raises CD Rates & Update on its Money Market Account - Nationally Available
23rd	Barron's Front Page: It's Time to Raise Rates, Ben 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
22nd	Money Doesn't Grow on Trees But You Can Make Money Grow Faster with Money Market Accounts 2.15% 9-Month CD & 2.00% 5-Month CD at EDS Credit Union in Several States - Local Only 2.35% 9-Month CD & 2.15% 5-Month CD at EDS Credit Union in Several States - 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 2.05% 9-Month CD at The Dime Bank in Pennsylvania - Local Only
21st	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	Update on ACH Transfers at PenFed and the Issue of Restrictive ACH Policies Online Savings Account with Rates up to 2.15% at Stock Yards Bank in Parts of OH & IN - Local Only
19th	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 2.25% 12-Month CD at Metlife Bank - Available Nationwide
18th	$125 to $225 Checking Account Bonuses at KeyBank - Only Certain States High-Yield Reward Checking Account at CoreFirst Bank & Trust - Local Only 2.65% 6-Month CD, 3.10% 24-Month CD & Other Competitive CD Rates at CoreFirst Bank & Trust in KS & CO Checking Account Bonus up to $150 at CoreFirst Bank & Trust in Colorado - Local Only $215 Checking Account Bonus at HomeStreet Bank in WA, OR & HI - 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	4.15% 60-Month CD & 2.15% 12-Month CD at Neighborhood Credit Union in Texas - Local Only 2.50% 12-Month CD & 3.10% 3-Year CD at Eastman Credit Union in TN, VA, TX, SC & AR - Local Only 2.50% 7-Month CD & 2.60% 11-Month CD at Fort Knox Federal Credit Union in Kentucky - Local Only 2.25% 7-Month CD Continues at Eastern Financial Florida CU (Division of SCCU) - Local Only 3.35% Reward Checking Account and 1.81% e.Savings Account at Peoples Bank in NC
16th	Benefits of Fixed Rate IRAs 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 Update on Series I Savings Bonds: Six Months of 0% for All Existing I Bonds World Series Certificate Special with a Rate up to 2.93% for 24 Months at Numerica Credit Union in WA & ID - Local Only
15th	4.00% Reward Checking Account at Cambridge Savings Bank - Massachusetts Only High-Yield Reward Checking Account at Integrity Bank in Houston - Local Only 4.05% Reward Checking Account at MVB Bank in West Virginia - Local Only 3.51% Reward Checking Account at GENCO FCU in Texas - Local Only 4.00% Reward Checking Account at Community Bank in PA - Local Only 2.30% Reward Checking Account at Orrstown Bank in PA & MD 3.00% Rewards Checking Account at Seasons FCU in Connecticut - Local Only 3.51% Reward Checking Account at First National Bank of Berlin, Wisconsin 2.25% 11-Month CD at Colonial Bank Branches of BB&T Rip-off Alert - Chase CD Early Withdrawal Penalty 2.75% 12-Month CD at F&M Bank in Tennessee - Local Only Update on Chase Checking Account Bonuses and Redeeming Chase/WaMu CDs Update on Chase Checking Bonuses
14th	4.00% 7-Month ($2.5K Max) at Technology Credit Union in CA on International Credit Union Day - 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	High-Yield Online Savings Account and Sign-up Bonus at BankOn for NE, CO, KS, MO & WY Only High-Yield Reward Checking Account at Reliabank Dakota in South Dakota
12th	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 Details of Wells Fargo's New Way2Save Program - Big Changes from Wachovia's Way2Save
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	Amboy Direct's New Add-On CD (eSavings Time Deposit) - Nationally Available
9th	A Rare Friday That's Free of Bank Failures 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 Installment Savings Account with High Rates at Hanmi Bank - CA Only High-Yield Reward Checking Account at South Carolina Bank and Trust - Local Only
7th	The Differences Between Certificate of Deposits and Brokered Certificate of Deposits 2.25% Money Market Account at Citizens Community Federal in WI & MN - Local Only
6th	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	3.04% 24-Month CD at Icon Bank in Houston - Local Only $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	4.01% Reward Checking Account at Warren Federal Credit Union in Wyoming High-Yield Reward Checking Account at 1st Financial FCU in Missouri 3.15% Reward Checking Account at Navigant Credit Union in Rhode Island 3.80% Reward Checking Account at Rockland Federal Credit Union in MA 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	High-Yield Reward Checking Account at KANZA Bank in Kansas 2.75% 15-Month CD & 3.75% 27-Month CD at Enterprise Bank of South Carolina - Local Only State Farm Bank Continues to Offer a Competitive Regular Checking Account
2nd	Three Banks and Two Credit Unions Failed This Week 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 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

September 2009

30th	Depositors Suffer from the Bank Failures of Corus and Irwin Union Bank 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
28th	95th Bank Failure of 2009 and Other FDIC and NCUA News Credit Union News - Closures and Premium Assessments
27th	4.51% Reward Checking Account at Advantage Plus FCU in Idaho - Local Only 4.01% Reward Checking Account at First National Bank of Pontotoc in MS - Local Only
26th	Irwin Union Banks Closed by Regulators, First Financial Bank Assumes All Deposits 2.75% 25-Month CD at Crane Federal Credit Union in Indiana - Available Nationwide
25th	3.00% 25-Month CD & 2.50% 13-Month CD with Add-On Feature at America's Credit Union - Easy Membership High-Yield Reward Checking Account with a $50K Cap at North Country Savings Bank - Available Nationwide 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 3.25% 8-Month CD at Pentucket Bank in MA & NH - Local Only
24th	2.40% 18-Month CD & Other Competitive CD Rates at Signature Bank in New York City - Local Only $100 TD AMERITRADE Deposit Account Bonus 3.00% 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
23rd	Fed Leaves Rates Unchanged: When Will the Fed Start Hiking? 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 Review of Liquid Certificates of Deposit - Gimmicks or Worthwhile Deals?
22nd	2.35% 12-Month Add-On CD at Amboy Direct - Nationally Available 2.20% 12-Month CD in MA & 2.20% 18-Month CD in FL at Trustco Bank - 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
21st	Important Features and Potential Issues of Certificates of Deposit 2.30% 12-Month CD at CoVantage Credit Union in WI & MI - Local Only 4.00% 60-Month CD at FNBO Direct - Nationally Available 2.50% 9-Month Risk Free CD at Bank of America in Many States
20th	Tips for Those With Maturing CDs at PenFed and Other Credit Unions 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 3.00% 12-Month CD and other High CD Rates at Atlanta Postal Credit Union - Local Only
19th	3.04% Reward Checking Account at ELGA Credit Union in Michigan Update on Citibank's CDs - Branch Specials & Secured MasterCard CD - Update
18th	Another CD Promotion at Irwin Union Bank 4.07% 18-Month CD ($25K Max) Continues at Citibank via its Secured MasterCard Program EXPIRED: 2.17% 12-Month CD at Town & Country Bank in Las Vegas - Local Only $300 Checking Account Bonus at Dime Bank in New York
17th	5.00% Reward Checking Account at Texas Heritage National Bank - Local Only 2.00% Money Market Account and $200 Checking Account Bonus at Investors Savings Bank in NJ - Local Only $100 Checking Account/Direct Deposit Bonus at Investors Savings Bank in New Jersey 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
15th	5.00% Reward Checking Account at Bank of Edwardsville in Illinois - Local Only 2.14% 14-Month CD at Stonebridge Bank in PA - Nationally Available 2.10% 11-Month CD at Jeanne D'Arc Credit Union in MA & NH - Local Only 12% 12-Month CD ($1,200 Max) at Premier America Credit Union in CA & TX - Local Only High-Yield Reward Checking Account at UniWyo FCU in Wyoming - 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 5.01% Reward Checking Account at Carter FCU in LA & AR - 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 $75 Checking Account Bonus at Bank of America, Plus a Note on the New Fees 2.29% 18-Month CD & 2.09% 12-Month CD at First Entertainment Credit Union in California - Local Only
12th	4.01% Reward Checking Account at Coastal Community Bank in Washington State - Local Only Reward Checking Account at Capital Educators FCU in Idaho 3.76% Reward Checking Account at the Department of Labor FCU in Washington DC 3.00% Reward Checking Account at First American Bank in New Mexico - Local Only CD Rates From 2% to 4% at Police and Fire FCU in Pennsylvania - Local Only 2.53% 12-Month CD & 2.78% 24-Month CD at American Plus Bank N.A. in California - Local Only
11th	Corus Bank is Closed by Regulators, MB Financial Bank Assumes All Deposits HSBC Direct Online Payment Account $50 Bonus My Experience Closing a WaMu/Chase CD and Tips on Redeeming CDs
10th	5.01% Reward Checking Account at Farmers & Merchants Bank in Wisconsin - 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 Update on Citibank's CD Specials - 4.00% 60-Month CD Continues in Some States
9th	5.00% 6-Month CD ($25K Max) at Tyndall Online Credit Union in FL Panhandle - Local Only 2.00% 5-Month CD & 2.25% 10-Month CD at Walden Savings Bank in New York - Local Only
8th	2.17% 12-Month Jumbo CD at Austin Telco FCU in Texas - Local Only 2.15% 14-Month CD at Guaranty Bank (now part of BBVA Compass) in TX & CA - Local Only
7th	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 High-Yield Reward Checking Account at United Bank in Arkansas - Local Only 2.50% Reward Checking Account at Mascoma Savings Bank in NH & VT - Local Only 3.25% Reward Checking Account at Campus Federal in Louisiana
6th	Federal Reserve Changes Reg D To Allow 6 Checks Per Month in Money Market Accounts 2.50% 12-Month CD & 2.25% 6-Month CD at Valley National Bank at a NY Branch - Local Only High-Interest Reward Checking Account at MB Financial Bank in IL, IN & PA - 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	3.00% 9-Month CD at First Priority Credit Union in MA - Local Only 2.98% 24-Month CD at First Bank & Trust in Lubbock Texas - Local Only 2.50% 12-Month CD at Settlers Bank in Wisconsin - Local Only Melrose Credit Union CD Rates Are Down But Still Competitive - Nationally Available 4.75% 60-Month CD at Mountain America Credit Union - Easy Membership New High-Yield Online Savings Account at Bank of American Fork - Nationally Available Five Banks Fail, FDIC Couldn't Find a Buyer for One
4th	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 2.75% 11-Month CD at Idaho Central Credit Union - Local Only Checking Account Bonus up to $150 at Valley National Bank in New Jersey - Local Only
3rd	2.25% 7-Month CD at Pan American Bank in Chicago - Local Only 2.25% Reward Checking Account at Nevada State Bank - 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 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	Competitive CD Rates Continue at Southeast Financial Credit Union - Easy Membership 2.35% 12-Month CD at Delta Community Credit Union - Easy Membership 4.00% 7-Year CD Continues But Other CD Rates Have Fallen at Pentagon FCU 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	Guaranty Bank in Texas, ebank in Georgia and 2 Other Banks are Closed by Regulators $75 Checking Account Bonus (no DD Required) at Marquette Bank 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
30th	2.45% 24-Month Add-On CD & 2.15% 12-Month CD at NexBank in Texas $100 Checking Account Bonus at GreenBank
29th	Review of Today's 3 Bank Closures and Update on Community Bank of Nevada's Closure
28th	$120 Checking Account Bonus at Comerica Bank
27th	FDIC's Second Quarter Report - Number of Problem Banks Increase to 416 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 FDIC Eases Requirements for Buyers of Failed Banks
26th	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 2.30% 15-Month CD & 2.60% 25-Month CD at Veridian Credit Union in Iowa - Local Only
24th	2.25% 15-Month CD at Insight Financial Credit Union in Central Florida - Local Only
23rd	4.25% Reward Checking Account at Standard Register Federal Credit Union in Ohio - 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 Bank of America's Introductory Rate Money Market Savings Account
21st	Causes of Guaranty Bank's Problems and an Unofficial Bank Problem List 2.00% Money Market Account with Rate Guaranteed until 2010 at Bank of America for NEA Members Bank of America's $100 Checking Account and Bill Pay Bonus
20th	2.01% 7-Month CD at Eastern National Bank in South Florida - Local Only 2.40% 12-Month CD at Cecil Bank in Maryland - Local Only Small and Large CD and Checking Account Deals at Apple FCU in Virginia - Easy Membership 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
18th	KeyBank's Garmin GPS Checking Account Promotion Charles Schwab Bank's High Yield Investor Savings Account More Friday Bank Closures - What Depositors Might Lose
17th	2.70% 6-Month & 12-Month CD at Rock Valley Credit Union in IL - Local Only Colonial Bank Closed by Regulators - Largest Bank Failure in 2009 and 6th Largest in US History 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
16th	3.50% Reward Checking Account at Brenham National Bank in Texas - Local Only 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
15th	2.00% Checking Account with Rate Guaranteed for One Year at Flagstar Bank
14th	$150 Checking and Savings Account Bonus at Independence Bank in California - Local Only SmartyPig Savings Account Rate Scheduled to Drop from 2.75% to 2.01% Update on SmartyPig's High Yield Savings Account
13th	2.50% 12-Month CD at Advantage National Bank in the Chicago Metro Area - Local Only 2.25% 12-Month CD at Bank USA in Arizona - Local Only 4.01% Reward Checking Account at Countybank in SC
12th	Very Competitive CD Rates at Credit Union 1 in IL & IN - ASI-Insured Only FOMC Meeting - Rates Stay Near Zero
11th	2.75% 32-Month CD at Wachovia on the East Coast and Other Wachovia/Wells Fargo Deals
10th	How to Open a Money Market Account 2.50% Savings Account with Rate Guaranteed Until 2010 at Minnwest Bank in MN & SD - Local Only Update on Chase Checking Account Bonuses and WaMu Conversions Five Banks Close Including Mutual Bank - 69 Bank Failures So Far This Year 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 2.65% 15-Month CD at Asian Bank in Philadelphia - Local Only Four Banks Fail Including Vineyard Bank and Temucula Valley Bank in California
9th	$100 Checking Account Bonus at Elevations Credit Union in Colorado - Local Only
8th	2.75% Reward Checking Account at Mutual Security Credit Union in Connecticut 3.00% Reward Checking Account at St. Helens Community Federal Credit Union in Oregon 5.01% Reward Checking Account at Founders Bank in Texas 3.25% 24-Month CD & 2.50% 12-Month CD at Texas Security Bank 2.84% 12-Month CD at Fort Bragg FCU in North Carolina - Local Only 2.50% 7-Month CD and Other High CD Rates at Members First Credit Union in Parts of NH & MA - Local Only
7th	2.25% Reward Savings Account at Sutton Bank Available in OH, MI, IN & KY
6th	4.07% 18-Month CD ($25K Max) at Citibank - Nationally Available 3.01% Reward Checking Account at Premier Valley Bank in California - Local Only
5th	3.10% 10-Month CD at Pacific Crest Savings Bank in Washington State - Local Only - Update PenFed's Cash Back Credit Card Back-to-School Promo 5.00% Reward Checking Account at Marine FCU in NC & VA - Local Only
4th	Competitive CD Rates at USAA Federal Savings Bank - Nationally Available 2.50% 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	3.00% 24-Month CD & Other High CD Rates at Signature Bank in New York City - Local Only 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 3.00% 28-Month CD and 1.55% Checking Account at State Farm Bank - Nationally Available
1st	HSBC Direct's Online CDs - Competitive Rates with Some Nice Features 4.00% 60-Month CD Continues at Fidelity Bank of Florida - Local Only 2.75% 12-Month CD & 2.50% 9-Month CD at American Momentum Bank in FL & TX - Local Only Review of Market-Indexed CDs

July 2009

31st	2.25% 11-Month CD at First National Community Bank 2.25% 10-Month CD at American Heritage FCU in Philadelphia - Local Only
30th	2.05% 7-Month CD at MidCoast Community Bank in Delaware - Local Only 2.25% 12-Month CD & 2.70% 24-Month CD at Equity Bank in Dallas - Available Nationwide
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 2.60% 24-Month CD at Kaiser Federal Bank in California - Available Nationwide
28th	Useful IRA CD Feature at Pentagon Federal Credit Union 2.11% Money Market Account Indexed to the Prime Rate at Signature Bank of Georgia - Local Only Reward Checking Accounts with Rate Guarantees - One With 6% Until 2010
27th	2.01% Short-Term CDs at Stearns Bank in AZ & MN - Local Only Those 5% WaMu CDs Are Nearing Maturity - Issues to Consider
26th	High-Yield Reward Checking Account at Allegiance Credit Union in Oklahoma Reward Checking Account at First National Community Bank in PA Competitive CD Rates at State Bank of India's U.S. Subsidiaries 3.25% 24-Month CD at iGObanking.com - Nationally Available 2.75% 15-Month CD at Acacia Federal Savings Bank - Nationally Available 4.00% 50-Month CD at NASA Federal Credit Union - Easy Membership
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 4.00% 59-Month CD at US Bank Branches in California High Yield Savings Account and CD at Choice Financial - Nationally Available 2.51% 13-Month CD with a Limited Add-On Feature at Choice Financial - Nationally Available
23rd	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 2.25% 12-Month CD & 2.50% 12-Month IRA CD at Sun West Bank in Nevada - Local Only 3.00% 12-Month CD & 4.50% 60-Month CD at Urban Trust Bank in FL & MD - Local Only
22nd	3.05% 24-Month CD at Broadway Federal Bank in CA - Nationally Available 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	Update on ING Direct's Electric Orange $50 Promotion
20th	2.40% 13-Month CD at Hyperion Bank in Philadelphia - Local Only
19th	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 2.50% 12-Month CD &amp 1.75% Savings Account at Gateway Commercial Bank in AZ - Local Only 2.52% 12-Month CD and a Competitive Money Market Account at Metro Phoenix Bank - Local Only
18th	2.14% Reward Checking Account With No Balance Cap at Heritage Bank in MN - Nationally Available Reward Checking Account at The Community State Bank in Oklahoma - Local Only 4.00% 60-Month CD & 2.50% 24-Month CD at Citibank in Some States Make Sure You Don't Get Ripped Off When Your CD Matures
17th	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
16th	2.60% 24-Month CD at TriState Capital Direct - Available Nationwide 2.78% 11-Month Online CD at Franklin Synergy Bank - Nationally Available
15th	2.55% 18-Month CD & Other High CD Rates at HomeStreet Bank in WA & OR - Local Only 2.55% Online CDs for Terms of 3 to 12 Months Plus 2.05% e-Savings at TotalBank in South Florida - Nationally Available Update on Urban Trust Bank in FL & MD - High Rates Continues, New FL Branches Customers Sue Bank to Get Back CD Money Stolen by the Bank's Employee
14th	Everything You Need to Know About Money Market Deposit Accounts in 5 Minutes or Less 2.55% 14-Month CD at East Boston Savings Bank - Local Only
13th	First National Bank Omaha's Pay Yourself First Savings Promotion $100 Checking Account/Direct Deposit Bonus at Flagstar Bank 2.45% 23-Month CD at NW Priority Credit Union in OR & WA - Local Only
12th	3.00% 36-Month CD at SchoolsFirst FCU in California - Local Only
11th	High-Yield Reward Checking Account in South Shore Savings Bank in MA
10th	53rd Bank Failure of 2009 - A Small Wyoming Bank 2.50% 12-Month CD & 3.00% 24-Month CD Continue at International Bank of Chicago Another Rate-Cut Friday at Ally Bank 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 2.50% 15-Month CD at Banco Popular in NY & FL - Local Only
9th	2.50% 7-Month Liquid CD at Cental Bank in Florida - Local Only 4.01% Reward Checking Account at First Bank & Trust in SD 2.70% 24-Month CD at Eastman Credit Union in TN, VA, TX, SC & AR - Local Only
8th	KeyBank Checking Account Promotion
7th	2.50% 12-Month CD at Lowcountry National Bank in South Carolina - Local Only 2.81% Money Market Account at Vinings Bank in Georgia - Local Only
6th	2.30% 16-Month Internet CD at Hyde Park Savings Bank in MA - Local Only 2.52% 12-Month CD at Alpena Alcona Area Credit Union in Michigan - Local Only
5th	Reward Checking Updates - New Nationwide Account & Application Issues 2.17% 9-Month CD at Peoples National Bank in Parts of MO & IL - Local Only 2.00% Money Market Account Through 2009 at Fidelity Bank in Oklahoma - Local Only
4th	3.25% Reward Checking Account at People's Community FCU in Washington State High-Yield Reward Checking Account at Texans Credit Union 4.19% Reward Checking Account at Rock River Bank in Northern Illinois - Local Only Competitive Long-Term CDs and Money Market Account at Altura Credit Union in CA - Local Only 3.00% 24-Month CD at Sound Credit Union in Washington State - Local Only 3.25% CD for Terms of 1 Year to 2 Years at Southeast Financial FCU - Easy Membership
3rd	Competitive Rates on CDs, IRAs and Liquid CDs at OneWest Bank - Nationally Available 4.50% 60-Month CD & 4.00% 39-Month CD at Urban Trust Bank in FL & MD 2.50% Regular Checking Account at Urban Trust Bank in FL & MD - Local Only 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 $150 Checking Account Bonus Continues at NuVision Credit Union - Update 2.50% 18-Month CD at South Jersey Federal Credit Union - Local Only
1st	Update on Alliant Credit Union's Checking, Savings and CDs 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	3.00% 9-Month CD at Union Savings Bank in Bloomington Indiana - Local Only
28th	2.50% Savings Account at First Chatham Bank in Southern Georgia - 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 $100 Checking Account Bonus at Chase - Update
27th	3.51% Reward Checking Account at Community State Bank in Wisconsin Five Banks Closed Today - Two in GA, Two in CA and One in MN 3.00% 9-Month CD & 4.25% 60-Month CD at First Priority Credit Union in MA 2.76% 12-Month CD, 2.97% 24-Month CD & Other High Rates at Quantum National Bank in GA Competitive CD Rates and a $50 Bonus at Discover Bank - Nationally Available
26th	2.75% 24-Month CD at BankUnited in FL - Nationally Available Eastern Financial Credit Union Placed into NCUA Conservatorship EXPIRED: 2.87% 12-Month CD and Other High Rates at Massena Savings & Loan in Northern NY - Local Only EXPIRED: 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
25th	Transferring Money Between Banks Takes Forever FOMC Meeting - Fed's Policy Remains Unchanged Online Savings Account and High Yield CDs at First National Community Bank in PA
24th	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	Melrose Credit Union Continues To Offer the Best One & Two-Year CD Rates - Nationally Available 2.50% Savings Account at Beach Business Bank in CA - Nationally Available
22nd	High-Yield Reward Checking Account at Guaranty Bank in Missouri 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
21st	2.25% 12-Month Semi-Liquid CD at E-Central Credit Union in CA - Easy Membership
20th	4.07% 60-Month CD & 2.53% Money Market at South Jersey Federal Credit Union - Local Only 3.00% 25-Month CD & 2.70% 13-Month CD at Broadway Bank in Chicago 3.00% 12-Month CD, 2.60% 6-Month CD and Other High CD Rates at LOMTO FCU in New York City - Local Only 3.25% 12-Month CD at a Cornerstone Bank in Georgia - Local Only 3.00% 6-Month CD & 2.75% Money Market Account at Coastal Carolina National Bank in SC - Local Only 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 FDIC Starts to Crack Down on Ally Bank's Deposit Rates
18th	3.25% 7-Month CD at CoreFirst Bank & Trust in Kansas City - Local Only 2.70% 15-Month CD & 3.00% 23-Month CD at Northpointe Bank in Michigan - Nationally Available
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 2.81% 6-Month CD & 2.60% 12-Month CD at Hanmi Bank in California - Local Only
15th	2.75% 17-Month CD at First Bank of Highland in Illinois - Local Only
14th	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 2.60% 15-Month CD at Linn Area Credit Union in Iowa - Local Only
12th	More Rate Cuts at Ally Bank 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	3.00% 24-Month CD and Other Competitive Rates at EagleBank in DC Metro - Local Only
10th	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
9th	2.50% 9-Month CD at First Federal in North Carolina - Local Only
8th	2.50% 6-Month CD at Luther Burbank Savings in California - Local Only 5.13% Reward Checking Account at United Mississippi Bank - Local Only 3.51% Reward Checking Account at Union National Community Bank in PA
7th	High-Interest Rewards Checking Account at First National Community Bank in West Wisconsin 3.75% Reward Checking Account at FORUM Credit Union in Indiana High-Yield Reward Checking Account at IH Mississippi Valley Credit Union in IL & IA $100 Checking Account Bonus at People's Trust FCU in Texas 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
5th	37th Bank Failure of 2009 $50 Checking Account Bonus with No Direct Deposit at FirstBank - CO, AZ & CA Only Rate Cuts at Ally Bank
4th	2.78% 5-Month Online CD at Franklin Synergy 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	3.00% 23-Month CD & 2.65% 11-Month CD at Northpointe Bank in Michigan 2.75% 11-Month CD at Champion Bank in Missouri
2nd	Update on Pentagon Federal Credit Union's Certificates
1st	2.65% 12-Month CD at OneWest Bank (IndyMac) - Nationally Available 3.50% 36-Month CD at Northwest Savings Bank in SE Florida - Local Only

May 2009

31st	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 4.01% Reward Checking Account at First Bank in Iowa
30th	FDIC's First Quarter Report - Number of Problem Banks Increase to 305
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
28th	Expired Rate: 3.05% 15-Month CD at Johnson Bank in Madison, WI - Local Only 2.87% 18-Month CD IRA & Other High Rates at Pacific Mercantile Bank in CA - Nationally Available
27th	CD Shopping Tips from the FDIC - Warning about Newspaper Ads with 5% CDs 2.35% 6-Month CD & 2.50% Money Market Account at CenTrust Bank in Illinois - Local Only
26th	2.50% 8-Month CD & 2.40% Money Market Account at Premier American Bank in South FL - Local Only
25th	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 2.85% 12-Month CD & Other Competitive CD Rates at Delta Community Credit Union - Easy Membership
24th	Rare Thursday Bank Closure - BankUnited, FSB
23rd	5.00% 5-Year CD & 3.00% 9-Month CD at Pacific Transportation FCU in California
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
21st	How to Use Certificate of Deposits as Part of Your College Savings Strategy 3.50% 24-Month CD & 4.00% 48-Month CD at Police and Fire CU in Pennsylvania 3.15% 15-Month CD, 2.75% 6-Month CD & Other High CD Rates at Police and Fire CU in Pennsylvania 2.50% 6-Month CD, 3.00% 24-Month CD & Other High CD Rates at Police and Fire FCU in PA 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 Checking Account with 2% APY and $50 Bonus at Level One Bank in Michigan - Local Only
20th	2.85% 12-Month CD and Other Competitive CD Rates at Vacationland FCU in Ohio - Local Only 2.71% 18-Month CD at State Farm Bank - Nationally Available
19th	2.80% 9-Month CD at Connex Credit Union in Connecticut - Local Only 2.50% Money Market Account at OceanFirst Bank in New Jersey - Local Only Kasasa - The New Name of Reward Checking and Savings Accounts 2.89% 7-Month CD & 3.05% Money Market at Raymond Federal Bank in Washington State - Local Only Update on Pentagon Federal Credit Union CDs, Credit Cards and Other Products 3.10% 10-Month CD at Pacific Crest Savings Bank in Washington State - Local Only 2.75% 7-Month CD & Money Market Special at Webster Bank in the Northeast 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 4.00% 60-Month CD at Fidelity Bank of Florida - Local Only
18th	3.00% 24-Month CD & Other Competitive CD Rates at International Bank of Chicago
17th	4.01% Reward Checking Account at Willamette Community Bank in Oregon - Local Only
16th	No Bank Failures But One Credit Union Liquidation
15th	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
13th	2.75% Money Market Account for 6 Months at ShoreBank in Chicago, Cleveland & Detroit 2.45% 9-Month CD at Eastbank in New York - Local Only
12th	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
11th	2.88% 18-Month Add-On CD and Other Competitive Rates at First Savings Bank Northwest in WA 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 3.00% 9-Month CD at BankFinancial - Chicago Area Only
9th	3.00% 2-Year CD & Other Competitive CD Rates at First Republic Bank in Several States
8th	33rd Bank Failure of 2009: Westsound Bank in Washington State 3.00% 17-Month CD at Royal Asian Bank in NJ, NY and PA 4.08% 12-Month Online Installment Savings Account at Nara Bank - CA, NY, NJ Only
7th	Bank Stress Test Results - Impacts to Depositors?
6th	3.25% 2-Year CD at USAA Bank - Nationally Available but Membership Restrictions
5th	Installment Savings Accounts with Rates from 5.50% to 6.25% at Woori America Bank in NY, NJ, PA, MD, VA & CA High Yield Installment Savings Accounts at NewBank in NY & NJ - Local 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
3rd	4.07% Reward Checking Account at Erie Federal Credit Union in Pennsylvania
1st	Three Banks Fail Today - 30th, 31st & 32nd Failures for 2009 3.55% Reward Checking Account at America West Bank in Utah New I Bond Rates - Government Gives No Incentives to Buy 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	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
29th	FOMC Meeting - Still No Inflation Worries
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
27th	Uninsured Deposits from a Failed Bank 5.00% 11-Month CD ($50K Max) at Advantis Credit Union in Oregon (branch only) 3.03% 18-Month CD at Meridian Bank in Arizona 3.03% 8-Month CD at Southwest Community FCU in UT, NV & AZ 3.40% 12-Month CD & 3.30% 6-Month CD With Liquid Features at Center Bank - CA, WA & IL 2.74% 7-Month CD & 3.05% 15-Month CD at The Bank of the Pacific in WA & OR 3.00% 15-Month CD & Other Competitive Rates at Independence Bank in Rhode Island 3.25% 2-Year CD & Other Competitive CD Rates at First Republic Bank in Several States
26th	High-Yield Reward Checking Account at Devon Bank in Chicago $75 Checking Account Bonus at PNC & National City - Update
25th	3.05% 13-Month CD & 2.55% 7-Month CD at DCH Credit Union in Alabama Four Bank Failures Today - 26th to 29th Failures for 2009 $150 Checking Account Bonus at Lockheed FCU - Branch Visit in CA or NH Required
24th	2.78% 6-Month CD at First Heritage FCU in Parts of NY & PA
23rd	4.01% Reward Checking Account at State Bank of The Lakes in Illinois 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 3.10% Internet Savings Account at Redneck Bank - Nationally Available 4.00% Reward Checking Account at AmericaNet Bank - Nationally Available 4.00% Reward Checking Account at Bank of the Wichitas (Redneck Bank) Short-Term CD Rates Up to 2.70% at FBOP Corp Banks in CA, AZ, IL, TX 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
21st	2.55% 9-Month Internet CD at Hyde Park Savings Bank for MA Residents 3.25% 39-Month CD and Other Competitive CD Rates at Regions Bank Citibank CD Specials - 2.50% 8-month in CA & 2.75% 12-month in TX Update on Citibank CD Specials - 2.50% 8-Month CD in a Few States 2.48% Jumbo 9-Month CD at Cathay Bank in Several States 2.65% 15-Month CD at Pacific State Bank in California - Local Deal
20th	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 3.05% 24-Month CD & Other Competitive Rates at Heritage Bank of Florida - Local Only
19th	2.75% 9-Month CD & 2.50% 5-Month CD at Rollstone Bank & Trust in Massachusetts
18th	High-Yield Reward Checking Account at R.I.A FCU in IA, IL & WI Very High CD Rates at Christian Community CU in California - Easy Membership but ASI-Insured Only
17th	24th & 25th Bank Failure of 2009 - In MO & NV $215 Checking Account Bonus at HomeStreet Bank in WA, OR & HI $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
16th	$150 Direct Deposit Bonus & 2.25% 7-Month CD at Charter Oak Credit Union in CT
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
14th	Banking News: GMAC, CDARS and CDs at Failed Banks $100 Checking Account Bonus at Sovereign Bank - Update Review of GMAC Bank and its 2-Year CD - Nationally Available 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 3.00% 14-Month CD at Charter Bank - Nationally Available
12th	4.00% 12-Month CD at Self Reliance New York Federal Credit Union High CD Rates at Progressive Credit Union in New York Update on Melrose Credit Union and Its High Yield CDs - Nationally Available 3.05% 18-Month CD at NorthEast Community Bank in NY - 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
11th	4.00% Reward Checking Account at Jefferson County FCU in Kentucky & Indiana
10th	22nd and 23rd Bank Failure of 2009 Redneck Bank Stops Accepting New Applications Bank Closures and Other FDIC News 2.90% 15-Month CD at Amalgamated Bank in NY, NJ, DC & CA
9th	New Monthly Fees for Premium Online Savings Accounts at Amboy Direct
8th	2.85% 18-Month Online CD & Other Competitive CD Rates at Community Banks of Colorado - CO Only Up to $100 Checking Account Bonus at Neighborhood Credit Union in Dallas
6th	3.00% 12-Month IRA CD & Other High IRA CD Rates at First National Bank of Long Island in New York 2.78% 9-Month CD & 5.50% 3-Year Installment Savings Account at Metro City Bank in Georgia - Local Only 4.00% 48-Month & 3.25% 24-Month IRA CDs at America's Christian Credit Union - Easy Membership 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 $50 Checking Account Bonus at National Bank of Kansas City - Local Only Up to $160 Checking Account Bonus at FBOP Banks in CA, TX, AZ & IL
5th	Checking Account Bonuses of up to $100 at M&T Bank - Nationally Available
4th	3.29% 9-Month CD & 4.84% 60-Month CD at Prince George's Community FCU in Maryland High-Yield Reward Checking Account at Douglas National Bank in Georgia
2nd	Extra Paychecks For People Paid Weekly or Bi-Weekly Choosing Checking Accounts With The Lowest Bank Fees 3.14% 16-Month CD and Other High CD Rates at Raymond Federal Bank in Washington State
1st	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

30th	3.15% 12-Month Liquid CD at US Metro Bank in California - Local Only 3.50% 12-Month CD at First Bank in New Jersey 4.01% Reward Checking Account at Tampa Bay Federal Credit Union
29th	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 $75 Checking Account Bonus at PNC & National City
28th	Alliant Credit Union's Free High Rate Checking Account & Updates on its Savings Account, HSA and CDs Review of GMAC Bank and its 12-Month CD - Nationally Available
27th	Planning For Your Retirement With Certificate of Deposits 21st Bank Failure of 2009: Omni National Bank in Georgia 3.25% 12-Month CD & Other High CD Rates at Visions FCU in NY & PA
26th	SEC Halts CD Ponzi Scheme Involving Caribbean-Based Millennium Bank
25th	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 3.00% 12-Month CD & 3.75% 39-Month CD at First Peoples Community FCU in MD, PA & WV
23rd	Series I Savings Bonds Considerations for the Short Term and Long Term
21st	3.66% 12-Month CD at South Jersey Federal Credit Union
20th	Unable to Open a Checking Account? 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) 3.25% 20-Month CD at Mid American Credit Union in Kansas
19th	3.00% 18-Month CD, 2.77% 7-Month CD and Other High Rates at SolutionsBank in Dallas and Kansas City 2.60% 12-Month Liquid CD at Independence Bank - California Only 2.90% 13-Month CD and Other Competitive CD Rates at First Florida Credit Union $50 Checking Account Bonus at Bank of America
18th	FOMC Meeting - Fed to Buy Over $1 Trillion in Securities 4.01% Reward Checking Account at Artisans' Bank in Delaware 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 3.00% 13-Month CD at Leominster Credit Union in Massachusetts
17th	Dollar Savings Direct Cuts Savings Account Rate Again - Options and Issues to Consider ACH Transfers and Linking External Accounts at Dollar Savings Direct 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
15th	Health Savings Account Overview and Finding the Best HSA 60 Minutes' Ben Bernanke Interview 3.05% 12-Month CD at Triad Bank - St. Louis Area Only Review of Equity-Index CDs at Compass - Other Options? Personal and Business Checking Account Bonuses at Chase
14th	3.00% 3-Month CD at TD Ameritrade - Nationally Available 4.20% 6-Month CD and Other High Rates at Hanmi Bank in California 5.13% 5-Year IRA CD at Neighborhood National Bank in California 4.00% 5-Month CD, 3.50% 9-Month CD & Other High CD Rates at First Priority Credit Union in MA 5.00% 60-Month CD & 4.00% 12-Month CD at TwinStar Credit Union in Parts of WA State 4.15% 50-Month Add-On CD at Ent Federal Credit Union in Colorado Last Day of Advantis CU's 5% CD, New 3% 12-Month CD Special - Oregon Only Negotiating Higher CD Rates
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 3.00% 10-Month CD & 3.75% 39-Month CD at AMCORE Bank in IL & WI 4.25% 59-Month CD at US Bank Continues in CA - Benefit of Opening CD at Downey Savings Branches 3.05% 26-Month Add-On CD 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	4.08% Short-Term Internet CDs Continue at Hanmi Bank - California Only 3.56% Short-Term Internet CDs and Other Competitive Rates Continue at Hanmi Bank - CA Only 2.77% 21-Month CD at State Farm Bank - Nationally Available
10th	3.65% 12-Month CD and Other High Rate CDs at Melrose Credit Union in New York - Easy Membership 3.03% 13-Month CD & Other High CD Rates at Bank of Essex in MD & VA 3.25% 6-Month CD at Navy Federal Credit Union 4.60% 30-Month IRA CD & 3.50% 6-Month CD at Navy Federal Credit Union 3.30% 24-Month CD at Red Rocks Credit Union in Colorado 3.10% 24-Month CD at CEFCU in California and Illinois
9th	3.75% 2-Year Add-On CD at Northwest FCU in Virginia - Easy Membership 3.05% 18-Month CD at MidWest America Federal Credit Union in IN, KY & IL
8th	3.51% Savings Account for $100K+ at Valley Community Bank in Illinois
7th	4.50% 5-Year CD and Other High CD Rates at Mountain America Credit Union - Easy Membership
6th	17th Bank Failure of 2009: Freedom Bank of Georgia
5th	3.15% 8-Month CD at Canyon State Credit Union in Arizona (up to 3.65%) 4.17% 17-Month CD and Other High Yield CDs at South Jersey FCU 3.85% 13-Month CD at The Village Bank in Southern Utah 3.00% Reward Checking Account at Savings Institute Bank & Trust in CT
3rd	4.88% 5-Year CD and Other High CD Rates at Northwest FCU in Virginia - Easy Membership Pentagon Federal Credit Union's March CD Rates Checking Account Bonus and Latest News at HSBC DollarSavingsDirect Savings Account Yield Falls to 3.50% - Alternatives?
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
1st	$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 $75 Checking Account/Direct Deposit Bonus at PNC Bank - Update 3.10% 15-Month CD & 3.05% 7-Month CD at Island FCU in New York

February 2009

28th	3.05% 7-Month CD at Citizens Bank in Tennessee 5.00% 5-Year CD & 4.00% 18-month CD Continue at Community One FCU in Las Vegas 3.83% Money Market Account Guaranteed Through Aug 2009 at Anchor Bank in Washington State 3.53% 6-Month CD with Liquid Features at Uniti Bank in California
27th	15th and 16th Bank Failures of 2009 3.50% 25-Month CD & 4.00% 35-Month CD at West End Bank in Indiana 4.08% 24-Month CD at NorthEast Community Bank in New York
26th	FDIC's Fourth Quarter Report - Number of Problem Banks Increased to 252 3.50% 15-Month CD at Amalgamated Bank in NY, NJ, DC & CA 3.00% 12-Month CD at Delta Community Credit Union - Easy Membership
25th	4.12% 15-Month CD for Current Members of Northrop Grumman FCU
24th	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 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 4.00% 13-Month CD and Other High CD Rates at Business Bank in Washington State
21st	14th Bank Failure of 2009: Silver Falls Bank in Oregon
20th	3.00% 10-Month CD and other Deals at Western FCU - Easy Membership 4.50% 14-Month IRA CD at Apple Federal Credit Union - Easy Membership 3.96% 12-Month CD at Northrop Grumman FCU - Easy Membership 3.75% 7-Month CD at Leominster Credit Union in Massachusetts 4.07% 18-Month CD at Ohio Valley Community Credit Union 3.75% 12-Month CD & 4.25% 24-Month CD at Urban Trust Bank in FL and MD Tired of Losing Your Retirement Money? Open a Fixed Rate IRA 3.14% 12-Month CD at Velocity Credit Union in Texas - Easy Membership 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
18th	$200 Checking Account Bonus Continues at Metropolitan National Bank - Nationally Available SEC Files Charges Against Stanford International Bank 3.30% 12-Month CD at America West Bank in Utah
16th	4.00% 59-Month CD at US Bank
15th	3.10% 12-Month Jumbo CD at Texas Brand Bank Checking Account Bonuses at WaMu and Chase Branches
13th	Fixed Rate CDs: Investment or Savings? 3.90% 19-Month CD & 4.00% 30-Month CD at Riverside Bank in Florida Four Banks Fail Today, 13 Bank Failures for 2009
12th	4.33% 13-, 23- and 33-Month CDs at Advance Financial FCU in Indiana 4.17% 17-Month CD at South Jersey Federal Credit Union 4.78% 9-Month CD, 4.50% 24-Month CD & 5.25% 60-Month CD at Family Horizons CU in Indiana 4.50% 5-Month CD in Brewery Credit Union in Wisconsin 4.33% 2-Year CD at AEA Federal Credit Union in Arizona 4.00% 11-Month CD and 4.60% 46-Month CD at BayPort Credit Union in Virginia 3.90% 12-Month CD & 3.50% 6-Month CD at Frontier Bank in WA & OR 3.75% 9-Month CD & 3.55% 11-Month CD at Belco Community Credit Union in PA 3.50% 7-Month CD and Other High CD Rates at Associated Credit Union of Texas 4.33% 15-Month CD at Tuscaloosa VA FCU in Alabama High CD Rates and a Money Market Account Bonus at Firstmark CU in Texas - Easy Membership 3.25% 9-Month CD at Flagstar Bank - Nationally Available 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 3.46% 11-Month and 18-Month CD at USAlliance Federal Credit Union in MA, NY and NJ
11th	4.00% 18-Month CD at Pinnacle Federal Credit Union in NJ - Easy Membership 3.15% 13-Month Add-On CD at AltaOne FCU in California
10th	3.50% 13-Month CD at America First Credit Union in Utah 4.00% 12-Month CD and a Special CD Ladder at America First Credit Union in Utah
9th	3.25% 20-Month CD at Truliant Federal Credit Union in North Carolina
8th	3.60% 12-Month CD at Parda FCU in Several States - Limited Membership
7th	3.50% 24-Month CD at FirstBank - Nationally Available
6th	9th Bank Failure of 2009: County Bank in California 8th Bank Failure of 2009: Alliance Bank in California 3.25% 12-Month CD at First Entertainment Credit Union in Los Angeles 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
5th	3.75% 19-Month CD at Teachers Credit Union in Indiana 4.00% 4-Year CD at Capital One Direct - Nationally Available Free Apple 8 GB iPod Touch Checking Account Promotion at The Bryn Mawr Trust Company in PA 4.50% 48-Month Online CD at Flagstar Bank
3rd	3.44% 18-Month CD at Velocity Credit Union in Texas - Easy Membership 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	4.05% 13-Month CD at Western FCU - Easy Membership 3.50% 16-Month CD at Mutual Bank - Nationally Available 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
1st	3.25% 10-Month CD and Other High CD Rates at Tri-Co FCU in New Jersey

January 2009

30th	5th Bank Failure of 2009: Suburban Federal Savings Bank in Maryland 6th Bank Failure of 2009: Ocala National Bank, Florida 4th Bank Failure of 2009: MagnetBank in Utah 3.55% 22-Month CD at State Bank of Graymont in Illinois 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 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% 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	3.50% 12-Month CD at First Citrus Bank in Florida 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	4.00% Reward Checking Account at Franklin Bank & Trust Company in Kentucky
25th	3.30% 18-Month CD & 3.10% 9-Month CD at Community Banks of Colorado 3.00% 6-Month CD at Navigant Credit Union in Rhode Island
24th	1.26% Reward Checking at Denali State Bank in Alaska 4.00% 12-Month CD & 3.75% 6-Month CD at First Command Bank - Nationally Available 3.75% 6-Month CD & 5.10% 84-Month CD Continue at Navy Federal Credit Union 3.40% 13-Month CD at Eastern Financial Florida Credit Union
23rd	3rd Bank Failure of 2009: 1st Centennial Bank in California
22nd	4.86% 60-Month CD & 3.56% 12-Month CD at Langley FCU in Virginia 3.51% 18-Month CD at SECU Credit Union in Maryland
21st	4.00% 9 & 12-Month CD and Other Specials at an Amboy Bank Branch in New Jersey 3.84% 24-Month CD and Other High Rates at People's Trust FCU - Easy Membership $150 Gift Checking Account Bonus at HSBC Bank 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
20th	4.50% 60-Month CD at Acacia Federal Savings Bank - Nationally Available 4.00% 12-Month CD & 4.10% 24-Month CD at Atlanta Postal Credit Union 4.07% 12-Month CD at Energy Credit Union in Massachusetts 4.00% 9-Month CD, 4.10% 15-Month CD and Other CD Specials at Crescent Bank & Trust in Louisiana 4.00% 39-Month CD and 3.50% 10-Month CD at Amcore Bank in IL and WI 3.25% 6-Month CD at Maritime Savings Bank in WI and AZ 3.33% 9-Month CD at Mission FCU in San Diego
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
18th	$100 Checking Account Bonus at Sovereign Bank 4.11% Reward Checking Account at Catholic Credit Union in Washington State 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	First Bank Failure of 2009: National Bank of Commerce in Illinois 2nd Bank Failure of 2009: Bank of Clark County in Washington State New CD Rates at Navy Federal Credit Union 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
15th	Understanding the Differences Between a Money Market Deposit Account and a Money Market Mutual Fund $150 Checking Account Bonus at Compass Bank (available in AL, AZ, CO, FL, NM & TX) 4.50% 60-Month CD & 3.75% 24-Month CD at PSECU in Pennsylvania 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
14th	4.00% 24-Month CD at Warren FCU in Wyoming $101 Checking Account Bonus at Signal Financial Federal Credit Union in DC 4.00% 19-Month CD at Foster Bank in Chicago
13th	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 5.00% 15-Month $10K-Max CD at United Consumers Credit Union in Missouri 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
11th	3.75% 15-Month CD & 3.60% 10-Month CD at Jefferson Bank & Trust in Missouri 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
10th	3.75% 15-Month CD at Provident Credit Union in California - Easy Membership 4.60% 60-Month CD & 4.10% 48-Month CD at Huntington Bank - Nationally Available
9th	3.75% 6-Month CD & 4.15% 18-Month CD at San Antonio FCU 4.00% 14-Month CD at Phoenixville Federal Bank & Trust in Pennsylvania 4.75% 60-Month CD at Suffolk FCU in New York 4.25% 60-Month CD at Valley Credit Union (now part of CEFCU) in California
8th	4.30% 15-Month IRA CD at United Heritage Credit Union in Texas 3.90% 15-Month CD at Bronco FCU in Virginia $50 Checking Account Bonus Without Direct Deposit at TCF Bank
7th	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
6th	$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	3.75% 11-Month CD & 3.25% 4-Month CD at Digital Credit Union - Easy Membership 3.75% 5-Month CD & 3.70% 13-Month CD at First Florida Credit Union
2nd	$100 Checking Account/Direct Deposit Bonus at Flagstar - Update
1st	New CD Rates at Pentagon Federal Credit Union Review of the 2008 Credit Union Liquidations

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