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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

Consumers Credit Union (IL) Ups 20-Month CD Rates
Deal Summary: 20-month CDs – Super-Jumbo CD, 1.00% APY, $250k minimum; Jumbo CD, 0.90% APY, $100k minimum; CD, 0.80% APY, $250 minimum.

Availability: Easy membership requirement

In the past six months, the 20-month CDs (Regular, Jumbo, and Super Jumbo) offered by Illinois-based Consumers Credit Union (CCU) have experience three rate changes. In early September, CCU raised the rates on all three 20-month CDs by a uniform 25 bps. Those APYs (the highest since late 2010) lasted until the beginning of December, when they dropped by...

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Langley Federal Credit Union Has New 15-Month CD Special
Deal Summary: 15-month CD Special, 1.00% APY, $1k min/$25k max deposit, new money

Availability: Easy membership requirement

For a limited time, Langley Federal Credit Union (Langley FCU) is offering a 15-month CD Special earning 1.00% APY. New money is required to fund the CD Special, with a minimum $1k opening deposit and a $25k maximum deposit. There is a limit of one CD Specials per member. (Thanks to DA reader, wuvulu21.) While this is a limited-time offer, no end-date has been specified.

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USALLIANCE Financial Adds Three Competitive Certificate Specials
Deal Summary: Certificate Specials – 12-month (0.85% APY), 18-month (0.95% APY), 24-month (1.00% APY), $500 minimum deposit.

Availability: Easy membership requirement.

New York-based USALLIANCE Financial (USALLIANCE) has added a trio of limited-time Certificate Specials to its product line. All three Certificate Specials offer very competitive rates: 12-month (0.85% APY), 18-month (0.95% APY), and 24-month (1.00% APY). There are also two less competitive, shorter-term Certificate Specials: 9-month (0.50% APY) and 11-month no-penalty (0.55% APY). Like all USALLIANCE Certificates, the Certificate Specials require a $500 minimum opening deposit,...

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US Postal Service Federal Credit Union Has Competitive IRA CDs
Deal Summary: IRA Certificates – 1-year (1.00% APY), 2-year (1.20% APY), and 5-year (1.30% APY), $250 minimum deposit

Availability: Easy membership requirement

U S Postal Service Federal Credit Union (USPS FCU) is offering competitive rates on its three IRA Certificates: 1-year (1.00% APY), 2-year (1.20% APY), and 5-year (1.30% APY). The minimum deposit is $250, with no stated balance cap.

This is the time of year when banks and credit unions begin to offer good IRA deals, and I hope to see more in the...

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Bonus for Savings Accounts and CDs via SaveBetter
UPDATE 2/16/2021: This $150 promotion expired early and is no longer available. However, the $125 promotion is still active.

Deal Summary: $150 bonus for depositing at least $75k in a new Ponce Bank savings account via Expires 2/28/2021.

Availability: Nationwide

Last week I introduced the new online savings marketplace called SaveBetter. As I mentioned in the SaveBetter review, this new marketplace has potential, but the current products are disappointing. The main reason now to give this marketplace a try is the new account bonus being offered. One...

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Three Rivers Bank of Montana Has Competitive Kasasa Products
UPDATE 2/11/2021: Availability has changed to Montana only.

Deal Summary: Kasasa Cash, 2.03% APY on qualifying balances up to $25k. Kasasa Saver, 1.03% APY on qualifying balances up to $100k.

Availability: Nationwide Montana

Three Rivers Bank of Montana (Three Rivers Bank) recently added the Kasasa brand to its product lines. The Kasasa Cash currently earns 2.03% APY on qualifying balances up to $25k. Qualifying balances over $25k earn 0.23% APY, with non-qualifying balances earning 0.01% APY.

The monthly qualification requirements are...

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Review of First Internet Bank Nationally Available CDs
Availability: Nationwide (internet bank)

While First Internet Bank (First IB) offered consistently good (and occasionally great) CD rates starting in 2016, those rates began a steady decline in early 2019. This past April, First IB did across-the-board CD rate increases (in the neighborhood of 20-25 bps), but those gains were short-lived. A series of five decreases began in early June, with rates finally stabilizing in early October. Although none of First IB CDs currently have outstanding rates, the longer-term CDs continue to be featured in DA’s bi-weekly CD...

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First National Bank of America CDs Still Available Nationwide
Availability: 60-month CD, 1.00% APY, $1k minimum/$1m maximum deposit.

Availability: Nationwide through online application

While the 60-month CD (1.00% APY) offered by Michigan-based First National Bank of America (FNBA) has recently been hanging out toward the bottom of the 5-year CD category in DA’s CD Rate Summary, FNBA’s CDs (short-term and long-term) offered some of the best nationally available rates in the past year. All FNBA CDs require a minimum $1k opening deposit and are capped at $1 million.

While the 60-month CD is available...

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Alliant Credit Union Offers $100 Bonus On New Savings Account
Deal Summary: $100 bonus when depositing at least $100 a month for 12 consecutive months in a new The Ultimate Opportunity Savings Account, now through March 31, 2021.

Availability: Easy membership requirement

Now through March 31, 2021, Alliant Credit Union (Alliant) is offering a $100 bonus when opening a new The Ultimate Opportunity Savings Account. In the past, I wouldn’t have paid much attention to a $100 bonus, but bonuses are more attractive now that rates on liquid accounts and CDs are so low.

According to the landing page,

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Union Bank (MI) 1-2-3 Rewards Checking Has Competitive Blended APY
Deal Summary: 1-2-3 Rewards Checking, 3.05% APY ($15k-$25k), 1.51% APY ($1k-$15k), 0.05% APY (up to $1k). Blended 2.07% APY on qualifying balances up to $25k.

Availability: Nationwide

Michigan-based Union Bank has been offering its 1-2-3 Rewards Checking for about three years and the original tiered APYs are still in effect. The 1-2-3 Rewards Checking is structured differently than the vast majority of reward checking accounts, as it offers four different APYs on portions of qualifying balances. The 3.05% APY ($15k-$25k), 1.51% APY ($1k-$15k) and 0.05%...

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