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Archive for CD Rates

Want higher earnings for lesser risk? Certificates of Deposits may be the right kind of investment for you. CD’s give you a higher interest rate without having to sacrifice security. Once you’re locked in to an interest rate, you’re guaranteed to earn interest on your money depending on the length of your term. Investments can be all about the rates which is why it’s doubly important to get a CD from an institution that gives higher returns and one that you can trust. One bank that does this for you is Central Bank.

All About Central Bank

Central Co-Operative Bank was its legal name when the bank started in the year 1915. It was then a chartered co-operative bank in Massachusetts that was focused on deposits, savings, and mortgage loans. But as the years went on, it started to offer other financial services to accommodate the needs of their consumers. It grew through different merges and soon became a public company in October 1986. Today, Central Bank is much known for its full community services with operations that involve lending, checking, deposits, retails, and more business and banking related accounts.

Certificate of Deposits at Central Bank

Those who are interested should know that the minimum amount to open a certificate of deposit account at Central Bank is only $1,000. For those who want their special CD promotions, they can select the 22 month CD term with an interest rate of 1.09% and an annual percentage yield or APY of 1.10%. The next choice will be the 30 month CD with a rate of 1.35% and an APY or 1.35%. Those who want the regular certificate of deposit rates should visit the bank and inquire more about it because they do have other terms that they provide to their clients.

In the end, it is very important to open a certificate of deposit account especially at Central Bank so that one can save enough not just for today but for the future.

Living a comfortable life in the future is highly determined by the amount of money you’ve saved up and earned for yourself in the past. One of the smartest ways to let your money earn more while still keeping yourself secure is by investing in certificates of deposit. And where else better to get a high earning CD than with American Bank.

Quick Glance at American Bank

American Bank is known all over the nation and is considered to be one of the finest financial institutions around the globe especially with regards to the financial services they offer to their valued customers. They have operations in around 40 countries and have clients from more than 150 countries worldwide. With their reputation and scope, its not hard to transact business with American Bank.

Standard Certificate of Deposits

American Bank offers a wide variety of terms for their certificate of deposits but the rates will depend mostly on the deposited amount. An example deposited amount often ranges from $10,000 to $24,999. For the shorter terms of 28 days to 11 months, the CD interest rate and the annual percentage yield or APY are 0.15%. For the 12 months to 17 months, the APY and the rate is 0.20% while 0.35% for both the APY and interest rate for the 24 to 35 month CD. There is also the 48 to 59 month CD with an APY and interest rate of 0.55% and for the longest term which is the 120 months, the annual percentage yield and interest rate is 0.75%.

These rates change depending on the fluctuations of the market. It is then important to lock into a rate while it still gives the biggest yields.

High Rates at First Citizen Bank’s Certificates of Deposit

Saturday, September 29th, 2012

Any smart saver will know that interest rates make all the difference when it comes to saving your money. Not all of us are fond of risk which is why many of us choose to keep our money safe in a place that not only guarantees security, but also guarantees fixed returns. For those who want the best growth for their money but still with the assurance of security, one place to keep your hard earned cash will be at certificates of deposit. And where can you get a CD with great rates? One place would be First Citizen’s Bank.

First Citizen Bank was opened in 1898 with its headquarters in Raleigh, NC. The bank offers and provides complete financial services and products that do no only include certificate of deposits but also personal and business banking, insurance and investment services. First Citizen Bank is also one of the biggest controlled banks in the United States making them stand-out among other famous banking institutions. Since it is the biggest, it operates on more than 430 branches nationwide.

Certificate of Deposits

The rates they have right now are of the latest in the market which a lot of people who are interested can surely take advantage of. One choice for those who want to put their money on a CD is the 12 month term with an interest rate and an annual percentage yield or APY of 0.15%. Next is the 24 month CD with a rate and APY of 0.25%. And the last is the 36 month CD with an annual percentage yield and rate of 0.45%. The minimum amount to open a certificate of deposit account is $500 which will mean that almost anybody can simply open one. For those who are planning to do so, they should certainly do it now.

Premier Certificate of Deposits at Presidential Online Bank

Saturday, September 22nd, 2012

Got some extra cash to save? Instead of keeping it in your regular savings account, why not place it in an investment that offers bigger interest rates, but still with a fixed rate guarantee? If you’re looking for a place to put your money in a risk averse and secure area, why not place it in a certificate of deposit? The longer the term you choose, the higher your rate and return. One place to grow your money securely is at Presidential Online Bank’s certificates of deposit.

All About Presidential Online Bank

Presidential Online Bank started in October 6, 1995. This was established in order to facilitate the online banking needs of people all over the nation. As we all know, people find it very easy and convenient when they do their financial transactions on the internet because they can do it anytime of the day without having to spend time in transportation. This makes the Presidential Online Bank very effective with all the service financial products they offer like certificate of deposits, loans, savings, credit cards, and etc. Those who want to immediately open certificates of deposit can instantly do it in this bank.

Certificate of deposits come in different terms which people can choose. These terms vary thus people can choose whether they want shorter or longer periods. Choosing what is right for their money is very important because this will be the basis for the interest rate and the annual percentage yield. The shortest term offered by Presidential Online Bank is the 30 day period with a rate and annual percentage yield or APY of 0.25%. Next is the 182 days period with an APY and rate of 0.50% and then the one year CD term with an interest rate and APY of 0.75%. There is also the 2 year period with an APY and rate of 1.00%. And the longest term they have is the 5 year term with a rate of 1.49% and an annual percentage yield of 1.50%.

In conclusion, saving money through certificate of deposits will allow people to earn without having to lift a finger. Depositors can simply expect guaranteed returns upon the time of maturity.

Great Rates With Southern Bank’s Certificate of Deposits

Tuesday, September 18th, 2012

Having sufficient savings is always a major priority for people. Not only will people want to keep their hard earned money safe in the bank, but they will also be able to grow it in interest. The higher the rate, the bigger the return, this is why intead of regular savings accounts, many people would rather invest in a certificate of deposit.

Certificates of deposits are offered by many banks today but one thing that makes people decide on where to go to is the rates they have. One of the banks that people will be satisfied with is Southern Bank. This bank is under Southern Banc Shares and other Trust companies that offer good quality services not just in terms of deposits but as well as loans, mortgages, checking, and a lot more. People who expect the best can always go to this bank for them to be able to acquire the needed financial services they are looking for.

Certificate of Deposit Terms and Rates

For those who have a certificate deposit between 10,000- 49,999, good terms to choose from are the following. The first term which is the shortest is the one month period with a rate and annual percentage yield or APY of 0.050%. For the 12 months term, the APY and rate is 0.15% and the 18 months term has a rate and APY of 0.20%. On the other hand, those who want to choose longer terms can pick the 36 months with an APY and rate of 0.45%, the 48 months with 0.70% both for the rate and the annual percentage yield. And the last is the 5 years term with a rate and APY of 0.90%.

Whatever amount you choose to save and however long the term may be, Southern Bank’s certificates of deposit can give you something to look forward to in the future.

Thinking of a better way to save money? If your answer is a big yes then a solution you can take opening a certificate of deposit account. People today are extra cautious when it comes to providing for themselves in the future and most of the time 401k’s and Roth IRA’s may not be enough to give you a comfortable retirement. For those who are serious about saving for the future, then a certificate of deposit shouldn’t be left out from your portfolio. Looking for a good CD account? Then Bankers Trust may be able to help.

Bankers Trust Commitment

Bankers Trust was established as far back as 1917 with many branches nationwide. Its main and oldest branch is located in Iowa being the largest independently owned bank in the United States. Today, many people are availing of the services of this bank because of their commitment to the personal and business relationship. They provide quality services and operations that will satisfy the immediate needs of people in terms of their finances. One such example is their certificate of deposits that offer flexible and up to date rates.

Bankers Trust CDs

Certificates of deposit are a great option for people who want to keep their money in an investment account for a relatively long span of time. With Bankers Trust, the CDs have good benefits which include tiered interest rates as well as compounded annual interests. Account holders can automatically renew their accounts and terms once their account has reached maturity. The minimum opening balance is also affordable making it easy for the average Joe to get an account. People can open a certificate of deposit with Bankers Trust for a minimum of only $1000.  Plus all accounts are FDIC insured which keeps your cash very secured and safe.

Terms and Rates

As of today, the consumer rates and terms include the 60 month term with an interest rate and an annual percentage rate of 1.60%. There is also the 36 month term with an interest rate and APR of 1.25%. For those who want the shorter terms then they can pick the 17 month term with the rates of 1.00% and the last is the 5 month term with an APR and interest rate of 0.55%.

With these rates and benefits, people who will open a certificate of deposit account will for sure be very happy and contented with their future returns.

All those working under the Department of Defense can have a clearer and brighter future because of a Credit Union that provides them a good place to invest. Navy Federal Credit Union is offering certificates of deposit at high rates to help DoD employees have a more secure financial future. Here, employees can enjoy saving as well as investing at the same time.

Navy Federal Credit Union has more than three million members from all over the nation since 1933. They perform excellent financial services that potential and present members can avail of and choose from. This is known as a primary institution with $49,370,838,303 in total assets as of 2012. Basing on the numbers, Navy Federal Credit Union has proved the effectiveness of its program and services. Indeed those individuals who are eligible for membership at this Credit Union has got it good.

In terms of their certificate of deposits, their rates are updated and very competitive. People can choose between the short and long terms depending on which term suits them best. To those who will pick the shorter term, they can pick the three month period. With a $1,000 minimum amount, the APY or annual percentage yield is 0.50% while for those who will open with a minimum amount of $50,000 the APY is 0.60%. By giving a higher interest rate for bigger amounts, members are encouraged to save more and reap bigger rewards in interest. For the one year term and a minimum deposit of $1,000, the APY is 0.85%. On the other hand, people can also pick the three year period with an annual percentage yield of 1.25% for both the minimum deposits of $1,000 and $10,000.  These are just some of the terms that people can lock in with. In conclusion, employees or family members under the Department of Defense should definitely check out Navy Federal Credit Union. In this way, they will have a good future ahead.

High Potential Certificates of Deposit at Discover Bank

Thursday, September 6th, 2012

Saving is the best solution for people who want to be financially secure all the time. There are many banks and other financial institutions that offer different kinds of services for individuals who want to save up some cash. Instead of keeping your hard earned money in a regular savings account that only offers minimal interest, why not invest it in a Certificate of Deposit? CDs are basically secure with a fixed interest rate. The longer the term you choose, the higher your interest rate and the more your money will grow.

One bank that offers CDs is Discover Bank. Aside from CDs, Discover Bank also offers other services such as credit and debit cards, loans, online savings, and even money market. Those who really need financial services will be able to get what they need from Discover bank.

The Certificate of deposits at Discover Bank is FDIC insured up to the allowed maximum amount by law and has a very convenient and easy renewal once the term matures. In terms of the initial deposit, the minimum amount is as low as $2,500 and can be funded by an existing bank account whether online or not. Today, the latest rates they have are definitely a good grab. Those who want to choose a shorter period can choose the 6 months term with an interest rate of 0.75% and an APY or annual percentage yield of 0.75% as well. For their 12 months term, the APY and interest rate is 0.90% and 0.95% for both the APY and interest rate for the 18 months period.  1.34% interest rate and an APY of 1.35% for the term of 3 years and 1.98% rate and APY of 2.00% for the 7 years term. There are still many other terms that people can choose  from once they will decide to open a CD account with Discover Bank.

One of the reasons why people hesitate to invest in Certificates of Deposit is because of the long lock in period depending on your term. After all, you never know if you’re going to need the money. But now, people need not worry about having to lock in their cash for extended periods because it’s now possible to invest in a CD for as short as 7 days.

One of the banks offering CDs is Grand Bank.  This bank has been considered to be one of the fast growing financial institutions in the nation since they are known to provide quality services to its customers as well as catering and helping people to solve their financial issues. Indeed, those who want the best rates for certificate of deposits can find it in this bank.

The latest terms and rates by Grand Bank are competitive and well updated. For those people who want to open a shorter term such as 7 to 30 days, the minimum amount to apply is only $1,000. The interest rate for this term is 0.19% with the same percentage for the annual percentage yield or APY. With the same minimum amount, the rate and APY for the 3 months term is 0.25%. For the six months term, the rate and annual percentage yield is 0.70%. On the other hand, for the longer term such as the one year CD the APY and interest rate is 0.70%. And 0.75% is for the 18 months term. Lastly, those who will choose the 48 months term will have a rate of 1.34% with an annual percentage yield of 1.35%. These are just some of the certificate of deposits’ terms that people who are interested can possibly choose. For those who want to put their money in banks then a CD is the right solution for them.

If you have $10,000 or less in extra savings then it would be a better idea to invest your money in a certificate of deposit than just a regular savings account. There are many banks that offer good rates for their customerto and Citibank is certainly one of those banks. Citibank is a solid bank that has been providing quality financial services to people. The services they provide include savings accounts, debit and credit cards, mortgages, loans, checking accounts, and many more. Citibank is a leading bank globally with 200 million client accounts and it does businesses in over 160 countries. This proves the near infallible system that the bank has established for itself.

Citibank’s certificate of deposit is a great deal for those who have amounts of $10,000 and less. People will be assured of competitive CD interest rates whether it is for short or long terms.

How it Works:

First, the interest rate of the CD will be paid on a monthly basis or at maturity if the term is one year or less but for those certificate of deposits with terms of more than a year then the interest is really paid per month. And lastly, the CDS are renewed automatically after maturity and thus the owner of the CD will be able to choose whether he or she would want to renew or even select another term.

As of today, those who will be choosing the three month term will have an interest rate and APY of 0.15%. For the 7 month term, the APY and interest is 0.20% while for the one year term, the interest and annual percentage is 0.25%. These are just some of the rates and terms that people can choose from.

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