Archive for December, 2011


Low Credit Card Rates from Simmons First Visa Platinum Card

Have you been good this year? If your credit score is considerably noteworthy, then you can look forward to a 2012 of low interest on a credit card. Right now, Simmons First Visa Platinum Card is offering a very low rate of only 7.25% APR for those with excellent credit.

Credit Card Features:

Aside from the rate that won’t burn your money with interest, there are a lot of features to look forward to with the Simmons First Visa Platinum Card. Below are what they have in store for you:

* Accepted Worldwide – You can use your Visa Platinum Credit Card as an ATM from any ATM that accepts Visa. You can access these ATMs 24 hours in a day, anywhere in the world. Aside from this, you can also take advantage of the cash advance feature that is available to you at any financial institution that accepts Visa.

* Get Travel Accident Insurance – For those consumers who are always on the go, it may be a relief to find out that travel insurance is offered for free whenever a ticket is purchased using your Visa card. Whether you use a cruise line, rail bus, or airline, your card can cover you for any accidental death or dismemberment.

* Car Rental Damage/Loss Waiver – If a car is rented using the Visa card, the VISA Auto Rental Insurance can provide coverage for theft or a collision for up to the actual cash value required. This insurance is also available worldwide.

The extra features of the card is most useful for those who go on frequent business trips or leisure travels. The card also does not offer any form of reward or cash back like most cards. However, despite the lack of rewards, consumers can definitely save more because of the low interest rate, which may prove to be more cost effective than some rewards cards. Whatever the case, this card from First Simmons have one of the lowest rates for credit cards, and may just be the card that certain people with good credit are looking for.


Nation’s Lowest Mortgage Rates Available From LenderFi

As they say, the year 2012 is the year of new things. It’s just not right to say that getting a new house is a good way to start the New Year, because in fact, it is the best way of starting new things in life; not just for yourself but also for your family. After all, you owe it to yourself for having several years of hard work and spending endless hours in the office. For every home dreamer, you’re just in time for LenderFi.com’s year ender bonus, because as of December 30, 2011 they offer one of the country’s lowest rate for a thirty-year fixed mortgage.

The Difference a Few Decimals Can Make

In the above-specified mortgage, LenderFi.com only applies an annual percentage rate of 3.612%. That’s several points lower than Quicken Loans 4.361%, which is one of the highest mortgage rates offered as of today. Even the second lowest mortgage rate offered by AimLoan which is 3.799%, still constitutes a huge difference in calculating the expected accrued mortgage interest rate every year.

Through a simple application, you can now purchase your very own home or refinance your current home regardless of what State you are currently in. Whatever the case may be, availing of LenderFi.com’s thirty-year fixed mortgage rate is still a win-win situation because their mortgage rates are designed to give more pro-clientele advantages rather than disadvantages.

Lenderfi.com’s Mortgage Rates

30 Year Fixed Rate to $417,000

Rate – APR
3.500 – 3.612
3.625 – 3.663

15 Year Fixed Rate to $417,000

Rate – APR
3.000 – 3.068

5/1 ARM to $417,000

Rate – APR
2.250 – 3.072
2.375 – 3.087
2.500 – 3.110

30 Year Fixed Rate to $625,500

Rate – APR
3.625 – 3.814
3.750 – 3.847
3.875 – 3.901

Application Procedures

With LenderFi.com’s lowest mortgage rate offer, you are assured to get your dream house without worrying so much about your financial expenses. Even the standard guidelines in purchasing a home will not be violated with this incredible mortgage rate. Just log on to their official website and complete their mortgage application forms in three easy steps:

• Step 1. Search a personalized mortgage rate;
• Step 2. Choose the loan that best suits your needs; and
• Step 3. Submit your application online or call their hotline numbers for further assistance.

BBB’s Accreditation

LenderFi.com is one of the few lending institutions which have been given an A+ accreditation by the Better Business Bureau. That way, you won’t have to worry about any uncertainties that often come up with scam transactions usually conducted by unreliable lenders. LenderFi doesn’t just commit, they apply themselves in order to give you the best services there is for the realization of your dreams.


Alostar Bank Offers Highest Six Month CD at 0.760%

Several banks nowadays usually offer different rates for certificate of deposits that change from time to time. If you’re already thinking about investing in one, you may want to consider placing your money with AloStar Bank of Commerce. Effective December 28, 2011; AloStar Bank of Commerce offers the highest CD rate for a CD period of six months which is 0.760%, a rate which is 0.020% higher than its counterpart, Ally Bank.

Comparing the Top Three

The latest comparison of rates show that AloStar Bank of Commerce gives out an Annual Percentage Yield of 0.760%, followed by Ally Bank which offers a six-month CD rate of 0.740% and CIT Bank which offers a 0.450% CD rate, all of which are compounded daily. With a minimum deposit of $1000, you can already avail of AloStar Bank’s six-month CD Rate. Thus, after a year’s worth of having this certificate of deposit with AloStar Bank, your minimum deposit of $1000 can go to as much as $1760, that’s almost double your initial deposit! How much more if you deposited an even larger amount.

AloStar Bank’s CD Rates

Terms Rates

30 Day CD – 0.26% APY
90 Day CD – 0.41% APY
6 Month CD – 0.76% APY
9 Month CD – 0.95% APY
12 Month CD – 1.03% APY
24 Month CD* 1.19% APY

National Average for 6 month CD: 0.22%
*Minimum Initial Deposit: $1,000 to open.

Getting It Started

In order for you to avail of this high rate, you could either open a certificate of deposit account personally with any of AloStar Bank’s branches or download a PDF form from their website and just fill out all the necessary information. You may be required to present your Driver’s License or any other identifying documentation and your Social Security Number. They also have some standby Customer Service Representatives that will assist you with your needs.

About AloStar Bank of Commerce

AloStar bank of Commerce is a National bank with a vast coverage of depositors in over forty-eight states. Its headquarters is in Birmingham, Alabama with a commercial office in Atlanta. Through dedication and passion for service, they sought to be the guiding light in the world of commerce with several branches nationwide that caters financial and banking services personally and online.


Earn Double Miles with Capital One Venture Rewards Card

The New Year signals new opportunities, and if you’re someone who’s got a heavy wanderlust, then the Capital One Ventures Rewards Card should be the perfect card for you. What makes the Venture card so exciting?

The Perks

First of all, it offers double mile rewards for every purchase that you make. According to Money Magazine, this card is the most rewarding card you can have if you’re craving free flights. You can also book a flight anywhere you want, at anytime. There are no black out dates. And once you’re there, you can enjoy a complimentary Visa Signature Concierge Service, so you feel like a king. You can also get upgrades at the best hotels.

Earning Miles

You can earn miles just by doing your everyday shopping. If you spend an average of $1,250 per month on gas, shopping, groceries, etc. you can possibly earn 30,000 miles per year. Plus, the Venture page offers an easy way to foresee how much miles you can get. All you need to do is change the amount, and see your miles grow in proportion to your spending.

Redeeming

Redeeming your miles has never been easier, all you have to do is go to Capital One’s website, click on the expense, and request your travel credit. As previously mentioned, you can feel free to book anywhere, meaning at any airline, any travel agency or any website. Miles can be used to cover your travel expenses, or you may also choose to use them for gift cards or even give away to charity. You may choose to redeem your miles before, during, or after your trip.

Other Benefits

Other benefits include using your card to get preferred seating at concert, games and shows. You also enjoy superior customer support. Your card also features a $0 fraud liability plus you have online account servicing.

So far Capital One’s Venture card really exhibits an extraordinary rewards service when it comes to airline miles. For those who love to travel and who want to experience different places, the Venture Card can help make your travel dreams come true.


Ever Bank Gives Competitive 30 Yr Fixed Mortgage Rate at 3.964% APR

The New Year is almost upon us. In a couple of days we’ll be staring up to the sky witnessing the explosion of colorful fireworks, while reminiscing the good days this 2011. But with a New Year comes new things, and what better way to start the year than to buy that home you’ve been planning on for years.

If you feel that it’s time to purchase your first home, or relocate to a bigger house, then one of the things you must do is find a reliable mortgage provider with low interest rates. Thank your lucky stars, because Ever Bank is offering some pretty good rates for their mortgages. Below are some of their rates:

Ever Bank’s Mortgage Rates:

30 year Fixed – 3.974%
15 year Fixed – 3.421%
5/1 ARM – 3.248%

How These Rates Compare

One of the best ways to assess the competitiveness of a mortgage provider is by comparing their rates to the national average. As of today (December 27), the national average for 30 year fixed mortgage rates is at 4.12% which is higher than Ever Bank’s rates. Aside from that, the national average for 15 year fixed mortgage is at 3.77% which is again higher than Ever Bank’s rates. However, past data shows that on December 23, the rates were 3.91% and 3.21% for the 30 year FRM and 15 year FRM respectively.

Ever Bank’s rates are competitive today, and may continue to be so if the mortgage trend is going up. However, these rates are already good enough to lock into also considering the reputation of the bank who is offering it.

About Ever Bank

Ever Bank has origins back in the 1960’s and since then has been growing strong. Since 2002, the bank has demonstrated an asset climb of 500% over the decade and it continues to be one of the most financially secure banks in the country. The bank has been rated 4 stars by Bauer Financial.


$150 Bonus From Chase Bank This New Year

Ending a year should always be with a BANG! but starting a new one should be more than that. Your business and personal finances may have been good or bad this year, but nevertheless, you can always make it better for the next year. Here’s an idea that could be worth getting into the list of your new year’s resolutions – opening a checking account with Chase Bank.

The Promotional Offer

Up until January 15, 2012 Chase offers a special promotion that gives you an extra $150 just by opening a personal checking account with them except for Chase College, High School and Access Checking. Just by simply going to their website, you’ll just have to enter the link for their promotion and complete the process in three easy steps. First, enter your e-mail address in order to get your $150 bonus coupon. Second, open a qualifying checking account and set up a direct deposit of at least $100 within sixty days from the opening of your account. And third, upon receiving your direct deposit, Chase will automatically deposit your $150 bonus to your new account within ten business days.

Important Terms for Qualification

The layout of the promotion is to provide clients with a better option regarding checking accounts that are safe, reliable and with an added benefit of a bonus, but the finer details should also be taken into consideration. Basically, the promotion is just for those who are about to open a new checking account on or before the date of expiration of the promo. However, if you already have a checking account with Chase, you may still avail of the promo by opening a new personal checking account.

The initial direct deposit must also be done electronically from your employer or from the government, or from your pay check, pension or other government benefits. In other words, the opening deposit cannot be the bonus money from this promotion, nor any money held by Chase from your other accounts.

Be that as it may, opening a new personal checking account will surely aid you in controlling your financial affairs. With a reliable bank such as Chase, the services are guaranteed to be top notch. Plus with a simplified checking procedure, you can always keep on track in all of your checking and banking transactions. It is a great way to open up the New Year, not just with a bang but with a big $150 boom!


Digital Credit Union Gives 1.25% APY on 1 Year Cd

It seems that certificates of deposit rates have been holding steady for the past several months. When you check the CD rate leader board, you see the same banks with the same rates. Currently, the highest CD rate from banks on a 1 year CD is from CIT Bank, this has been so since October. However, it’s good to know that a higher rate is being offered by Digital Credit Union, which is 1.35% on a 12 month CD.

CD Rates from Digital Credit Union

3-5 months – 0.75%
6-11 months – 1.10%
12-23 months – 1.25%
24-35 months – 1.35%
36-47 months – 1.76%
48-59 months – 2.25%
60 months – 2.76%

How These Rates Compare

Other great rates from Digital Credit Union is their 3-5 month rate which currently beats the highest CD rate from banks which is Virtual Bank at 0.60%. And if their short term CDs are competitive, the long term CDs also boast of a better rate than the highest nationally available from banks which is Intervest Bank’s 1.97% Rate.

However, it is common knowledge that credit unions are expected to offer higher rates than banks. So how do these rates compare to other share certificates offered by credit unions? At this point, Navy Federal Credit Union is offering a higher 1 year CD with a 3.00% rate, First American Credit Union also has a slightly higher advantage with a 1 year rate of 1.76%. It goes to show that although Digital Credit Union’s rates can appear stronger than what banks have to offer, other credit unions may have better offers.

Digital Credit Union Membership

Credit Unions are usually restrictive in their membership. In this case however, it appears that anyone can join DCU by becoming a member in one of their participating organizations. For example, Reach Out For Schools is an organization that helps raise money to donate to primary and community schools. Membership starts at only $10. Another organization is American Association of People with Disabilities with a membership of $15. Just pay your membership dues and you are now eligible to join DCU. Of course there are other ways to become a member, membership eligibility can be found in their website.

The fact that DCU can open its doors to just about anyone is also a factor to consider since credit unions such as Navy Federal Credit Union are restrictive in membership. If you want to start growing your savings now, DCU may be the place to start.


Highest 1 Year CD from Alma Bank at 1.35% APY

CD rates from banks have more or less been uneventful these days. They have held steady with the highest 1 year CD from CIT bank and Doral Bank at 1.15% APY. It is surprising then to find a higher CD rate than this from a bank and not from a credit union. But indeed it is so as Alma Bank offers 1.35% APY on their 1 year CD.

Rates from Alma Bank

1 month CD – 0.50%
3 month CD – 0.70%
6 month CD – 0.90%
9 month CD – 0.90%
1 year Alma Liquid CD – 1.35%
2 year CD – 1.65%
3 year CD – 1.75%
5 year CD – 2.00%

Minimum balance required to open an account is only $2,500.

How These Rates Compare

It’s interesting to note that Alma Bank is offering a higher CD rate than banks that are advertised in CD leader boards. Aside from their 1 year CD, the 5 year CD from Alma Bank is also higher than Intervest National Bank’s 1.95% APY rate which is reported to be the highest nationally available. The same also goes for their 3 month CD, where the highest available is reported to be Virtual Bank at 0.60%.

1 month CDs are also rarely offered by banks since this is really a short term type of CD. For those who are looking for a temporary place to park their cash, that might be a good option to use. The other rates such as the 2 year and 3 year CD are competitive as well.

About Alma Bank

Alma Bank is a relatively new bank that opened its doors last October 15th 2007. Since then it has already mushroomed to have 9 branches in the New York State.

Although there are many credit unions who offer better rates, those who prefer banks can get the best rates at Alma Bank. Despite being new, it is FDIC insured, insuring your deposits per account to a maximum of $250,000.


Last Minute Christmas Shopping with Key Bank Gift Cards

It’s almost Christmas Eve and everyone’s just scrambling about for some last minute holiday shopping. Shopping malls get so crowded, you find yourself taking more time to push your way through rather than buying the gifts themselves. Plus, there’s no escaping the confusion of what exactly to get your loved ones. Instead of getting yourself into this mess and buying all the wrong gifts, the perfect solution would be to allow your loved ones to buy their own gifts. Not only do you save yourself the hassle of the holiday rush, but your loved ones can get exactly what they want.

Since giving outright cash can seem a little tacky and thoughtless, convert your greens to something that’s more gift giving worthy. A Master Card Gift Card. It’s the perfect alternative to giving gift cards that are specific to only one store, or cash and checks. The card is applicable to just about anyone, and can be used just about anywhere.

Key Bank MasterCard Gift Card

So where can you get these magical cards? Well, they are available at your local Key Bank Branch. Below are the details:

* Denominations for as low as $25 are available, up to $2,500
* Card is ready for use during the time of purchase, making sure your loved one is free of extra work and hassle. Shop right away!
* Can be used in locations where Debit MasterCard cards are accepted, ATMS with STAR and Cirrus acceptance marks, and at all KeyBank ATMS.
* Card can be used for as long as the balance is still available or up until the card expires.

How Much Is The Card?

There are fees associated with the acquisition of the card. The card issuance fee is $3.95, ATM Withdrawals for $1.00, ATM Balance Inquiry at $0.25, Refund Processing Fee at $9.95, and Monthly Maintenance Fee at $2.50. Don’t be intimidated by the monthly maintenance fee since it is charged on any unused balance twelve months after the card was issued or after the expiration date.

When Does The Card Expire?

The Card expires until the “Good Thru” date that is shown on the card. Card holders are encouraged to use up the amount within the card before the balance expires.

The Key Bank Possibilities Card MasterCard Gift Card is the perfect gift to give for the holiday season, especially for those who were too busy to shop in advance. For sure it won’t cease to put a smile on the face of your loved one this Christmas.


Get 4.09% APY on a Checking Account with Consumers Credit Union

Looking for a checking account that offers high interest? Consumers Credit Union is offering a high interest of 4.09% APY on their Free Checking Account. An interest rate as high as that is difficult to come by, even with long term certificates of deposit. So for those who want to take advantage of high interest on their regular checking account, here are the details of the promotion:

The Promotion

The 4.09% Interest is available today until June 30, 2012. Aside from this generous rate, you also won’t have to worry about paying any administrative or ATM fees. Below is the list of their available rates and tiers:

* 4.09% APY for accounts with a maximum of $10,000 that meet qualification requirements.
* 0.56% APY for deposits between $10,000 and $25,000 that meet qualification requirements.
* 0.35% APY* for balances over $25,000.00 that meet qualification requirements.
* 0.01% APY* for members whose qualification requirements are not met.

It seems that the better rates are only given to those who satisfy their requirements. So what exactly are these?

The Requirements:

* completion of 12 debit/check point of sale purchases without using your PIN
* one direct deposit, one pay one bill or ACH debit with the use of Consumer Credit Union’s free online billing system
* use of online banking at least once every month
* enrolling in online eStatements

If it happens that you can’t meet all four requirements stated above, you may still avail of free online banking and free online bills payment.

Benefits Of Free Checking:

Even if you can’t comply with all the requirements, there are a lot of good things that Free Checking can offer you. First, there is no minimum balance required and no ATM fees. You also get to have a free Visa Debit Card, free mobile banking, free online banking and bills payment, and free eStatements. Plus you also get unlimited check writing. Overdraft privileges are also offered protecting you from overdraft charges.

Who Can Apply?

Anyone can apply for this free checking account. Even those who already have accounts with Consumers Credit Union. Non members may also join by paying a one-time fee of only $5.

About Consumer Credit Union

The credit union is located in Lake County, Illinois and has no membership requirements. It was established back in 1930 and is also insured by the NCUA.

For those who are still looking for a great free checking account, then now may be the time to get one especially with the incredibly high interest rate they offer. The sooner you apply, the more time your money can grow.

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