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Can You Negotiate With Your Bank? Part I - Savings Rates
They say everything in life is negotiable. So, with that in mind, I decided to see just how far I could get trying to negotiate a better rate at the bank. For Part I of this series I will focus on savings and CDs and will cover lending products in Part II.
Posted on June 14, 2013 by
Should you Opt-in to Overdraft Programs When Opening A Checking Account?
Checking customers are at risk of paying high overdraft penalties and having their accounts involuntarily closed if they opt-in to bank overdraft programs when opening checking accounts according to a report released today by the Consumer Financial Protection Bureau (CFPB).
Posted on June 11, 2013 by
Are CDs Going Extinct?
Are CDs losing their place in a saver's portfolio? Savings data seems to suggest yes, at least for now.
Posted on June 10, 2013 by
Bank Saver Update - June 3, 2013
The economy continues to see-saw back and forth between good and poor economic news. Average bank deposit rates have responded by slowing their decline. Top rates are holding. Read on to see what I think the rate future holds.
Posted on June 03, 2013 by
U.S. Economy Expands 2.4% in Q1 2013; Muted Impact on Savings and Mortgage Rates
The United States Commerce Department reported today that the U.S. economy expanded at a 2.4% rate in the first quarter of 2013. That was within the range predicted by most economists and is considered to be moderate growth. As a result, the impact on savings and borrowing rates is expected to be minor.
Posted on May 30, 2013 by
Top 10 Least Safe States to Bank
BestCashCow released its list of the Top 10 Least Safe States to Bank. See if your state made the list and what you should do if it has.
Posted on May 23, 2013 by
Best Auto Loan Rates Recap
Below is a list of the best auto loan rates from banks and credit unions. . If you are looking for an auto loan, then it may be worth your while to check on these rates before you make any decisions.
Posted on May 21, 2013 by
Savings and CD Rate Update - May 20, 2013
Savings and CD averages continue to fall. Top savings rate remains steady at 1.05% APY. Top online CD rate steady at 1.75% APY. The economy seems to be gaining momentum as jobs and leading indicators all come in above forecasts.
Posted on May 20, 2013 by
Top 10 Safest States to Bank
BestCashCow released its list of the Top 10 Safest States to Bank. Check and see if your state is on the list.
Posted on May 16, 2013 by
Savings and CD Rate Update - May 13, 2013
Top online savings rate holds at 1.05% APY. Top CD rate steady at 1.75% APY. Reward checking still paying 3.01% APY. Average rates continue to trend down.
Posted on May 13, 2013 by
Savings and CD Rate Update - May 6, 2013
Savings rates continued their relentless march, like zombies in some horror movie, moving mindlessly lower and lower. Average one-year CD Rates dipped from 0.368% to 0.366% APY. Three year average CD rates dropped from 0.730% to 0.726% APY. Five year average CDs dropped to from 1.071% to 1.066% APY. The only good news on the savings front is that average online savings rates remained steady at 0.705% APY for the second week in a row. We remain on pace to see a sub 1% average APY on a 5 year CD rate by August or September.
Posted on May 06, 2013 by
Bank Direct Effectively Ends American Airmiles Program
In a May 1, 2013 letter to depositors, Bank Direct has announced changes on June 1 to the American Airmiles Mileage Checking with Interest Program. The changes will render the program worth much less to most depositors.
Posted on May 04, 2013 by
Share Plus Federal Bank Offering 2% APY 12-Month CD - Available Nationally
Share Plus Federal Bank in Plano, Texas is offering a 2% APY 12-month CD rate good for terms between 1-5 years.
Posted on April 29, 2013 by
Savings and CD Rate Update - April 29, 2013
Top online CD rate drops to 1.75% APY. Top online savings rate steady at 1.05% APY. Outlook: Rate will continue to trend down.
Posted on April 29, 2013 by
Savings and CD Rate Update - April 22, 2013
Top national CD rate at 1.85% APY. Top national savings rate at 1.05% APY. Averages continue to decline. Economic indicators point to further declines.
Posted on April 22, 2013 by

Financial Video

Understanding the Time Value of Money
Posted on April 10,2013

CD and Online Savings Rate Trends



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