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About Ken Tumin

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


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Bank Deals Blog: Nationwide Deals

Vibrant Credit Union Adds 15-Month CD Special
Deal Summary: 15-month CD Special, 1.30% APY, no minimum deposit.

Availability: Possible easy membership requirement.

Illinois-based Vibrant Credit Union (Vibrant) recently introduced a 15-month CD Special, which currently earns 1.30% APY. Vibrant CDs have no minimum opening deposit requirement or stated balance cap.

As stated in the Rates & Service Charges document, the heavy-handed Early Withdrawal Penalty reads as follows:

Funding any type of CD can be done by an ACH or wire transfer. According to CSR, the easiest way to fund a CD is through an...

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Georgia's Own Credit Union CDs Remain Competitive
UPDATE 7/6/2020: Easy membership requirement now restricted to Georgia residents.

Deal Summary: CDs – 2-year (1.25% APY), 3-year (1.45% APY), 4-year (1.50% APY) and 5-year (1.70% APY), $500 minimum deposit.

Availability: Easy membership requirement for George residents.

I wrote about Georgia’s Own Credit Union’s CDs in late April. Since that time, those CD rates have fallen between 45 and 50 bps, but the CDs have remained competitive. The 2-, 3-, 4-, and 5-year CDs can be found at or near the top of...

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Market USA Federal Credit Union VIP Checking Available Nationwide
Deal Summary: VIP Free Checking Platinum Tier, 3.01% APY on qualifying balances up to $15k.

Availability: Easy membership requirement; Residents of DC, GA, MD, NC, PA, SC, TN, VA, and WV; many Partner Organizations and SEGs.

In yesterday’s blog post about Rewards Checking Accounts (RCA), one of the RCAs featured was the Market USA Federal Credit Union (Market USA) VIP Free Checking (Platinum Tier). I last wrote about the VIP Free Checking in 2018 and the rate at that time is still in effect today: 3.01% APY...

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Devon Bank Offers Kasasa Cash/Kasasa Saver Nationwide
Deal Summary: Kasasa Cash, 3.50% APY on qualifying balances up to $10k. Kasasa Saver, 1.25% APY on qualifying balances up to $50k.

Availability: Nationwide

Chicago-based Devon Bank's Kasasa Cash account currently earns 3.50% APY on qualifying balances up to $10k. Qualifying balances over $10k earn 0.50% APY, with non-qualifying balances earning 0.05% APY.

When I first wrote about Devon Bank’s Reward Checking account in 2009, the rate was 4.15% APY on qualifying balances up to $20k and was only available in the Chicago area....

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Bank of Baroda CDs Available Nationwide
Deal Summary: 1-2 year CD, 1.50% APY, $1k minimum deposit.

Availability: Nationwide

Last week, DA reader, ichealm, posted about Bank of Baroda’s nationally available competitive CDs. Bank of Baroda structures the terms of its CDs to give maximum flexibility, with terms (in monthly increments) of 1-month up to 10-years available. Currently, the most competitive CD is the 1-year to less than 2-year CD, which earns 1.50% APY. (Actually, the 1.50% APY applies to the majority of terms offered.) The minimum opening deposit is $1k, with “no...

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First Financial Credit Union Offers Competitive Kasasa Products
Deal Summary: Kasasa Cash Checking, 3.50% APY on qualifying balances up to $15k. Kasasa Saver, 1.25% APY on qualifying balances up to $25k.

Availability: Residents of Chicagoland. Easy membership requirement.

I’ve never written a blog post about any product offered by Chicago-based Financial First Credit Union (FFCU). When I posted about FFCU’s easy membership FOM in 2017, I mentioned that there weren’t any blog-worthy products at the time. That has changed. The newly added Kasasa Cash Checking account currently earns 3.50% APY on...

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CommunityWide Federal Credit Union Offers Competitive 6-Month CD
Deal Summary: 6-month Share Certificate, 1.25% APY, $1k minimum deposit.

Availability: Easy membership requirement.

In mid-May, Indiana-based CommunityWide Federal Credit Union (CW) dropped the rates on all its Share Certificates to 1.25% APY. While not a good rate for the majority of the Share Certificates, it’s actually a competitive rate for the 6-month Share Certificate. Since I last wrote about CW Share Certificates, the minimum deposit has been lowered to $1k.

The 6-month Share Certificate is also available as an IRA (Traditional and Roth), earning the same...

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bankESB Offers New 7-Month Special CD
Deal Summary: 7-month Special CD, 1.15% APY, $1k minimum deposit.

Availability: Nationwide through online application.

One of the “New to Summary” CDs in yesterday’s CD Rates Summary is the 7-month Special CD (1.15% APY) offered by Massachusetts-based bankESB (formerly known as Easthampton Savings Bank). This limited-time Special CD requires a $1k minimum opening deposit, with no stated balance. According to CSR, no end-date has been announced, but the offer could end at any time.

The Special CD is also available as an Special IRA CD (Traditional, Roth) earning...

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Main Street Bank's Kasasa Cash/Saver Combined Earnings A Good Deal
Deal Summary: Free Kasasa Cash Checking, 2.00% APY on qualifying balances up to $15k. Kasasa Savings, 1.75% APY on qualifying balances up to $100k.

Availability: Nationwide

In mid-March, Michigan-based Main Street Bank lowered the rate and balance cap on its Free Kasasa Cash Checking (Kasasa Cash) account to 2.00% APY on qualifying balances up to $15k. Qualifying balances over $15k earn 0.25% APY (unchanged), with non-qualifying balances earning 0.05% APY.

While the lowered APY decreases the competitiveness of the Kasasa Cash account, when you consider the combined rates and...

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Signature Federal Credit Union's Jumbo CDs Available Nationally
Deal Summary: Jumbo Share Certificates – 1-year (1.40% APY) and 2-year (1.60% APY), $100k minimum deposit. 18-month Share Certificate, 1.40% APY $500 minimum deposit.

Availability: Easy membership requirement

Three CDs offered by the Virginia-based Signature Federal Credit Union (Signature FCU) were added to this week’s CD Rates Summary. The 1-year Jumbo Share Certificate (1.40% APY), 2-year Jumbo Share Certificate (1.60% APY), and 18-month Share Certificate (1.40% APY) are all the in top half of their respective term-length categories in the Summary. The Jumbo Share...

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