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Archive for CD Rates – Page 3

Special Online Certificates of Deposits at Virtual Bank

By BankAim · Comments (0)
Thursday, July 5th, 2012

For a lot of people, opening certificates of deposits is their means of saving. This type of investment is relatively secure, and can offer more in terms of interest than the usual savings account. Saving enough is equivalent to security especially now that everything has become expensive and retirement plans may not be enough to cover future expenses. There are a lot of people who are tight with their budgets and one solution for future financial security is by opening certificates of deposit.

A bank that offers good rates in terms of their certificate of deposits is Virtual Bank. This bank or company has been providing many quality banking and financial services. They also offer convenience with hassle free online banking. One of the easiest processes they offer is the eCD accounts or the online certificate of deposit.

The features of their certificates of deposits are quite advantageous for those who want to open an account. All of their eCD are FDIC insured which is a very important factor to consider. The online certificates of deposits are paperless accounts. This means that necessary statements, notices, and disclosures are all provided online. In terms of rates which are the reason why people would open CDs’ are also quite competitive. For their one month to two months CD term, the interest rate is 0.25% with an APY of 0.25% while an interest rate of 0.70% and an APY of 0.70% for the six month term. All their terms should have a minimum deposit of $10,000. On the other hand, those who want longer periods such as for the 12 month term to 2 year term, the interest rates are 0.90% with an APY of 0.90% as well. The interest rate they have for the 3 year term is 1.30% with an APY of 1.31%. The last term that people can choose when they want to open a certificate of deposit account is the 5 year term with an APY or annual percentage yield of 1.51% and the interest rate is 1.50%.

For those who are looking for convenience when it comes to saving, Virtual Bank can give it all to you with just a click of the mouse. Save more with less hassle with their eCD.

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The Certificate of Deposit Specials at Chase

By BankAim · Comments (0)
Saturday, June 30th, 2012

Many people know Chase as a huge financial institution that has been providing the best banking services. They have been considered as one of the leading financial firms globally. Since people generally trust the bank’s name and reputation, many would often go to Chase when it comes to opening certificates of deposit.

The Regular Chase Certificate of Deposit

Chase actually has two kinds of certificate of deposit accounts. The regular account requires an opening and minimum deposit of $1,000. When the account holder chooses the 6 month term then the APY or the annual percentage yield is 0.20%. For the 12 month term, the APY is 0.25% and 0.35% for the 18 month term. On the other hand, those who will be choosing the 24 month term will have an APY of 0.40% and the last APY which is 0.50% is for the term of 36 months.

Chase Certificate of Deposit Specials

A maintaining and opening balance for this second kind is $10,000. Many may be hesitant about the amount but once they find out about the rates then they will surely change their minds. An APY or annual percentage yield of 0.30% for the 9 month term while for the 13 month term, the APY is 0.45%. The 36 month term or program will have an APY of 0.75% and 1.01% APY for the 60 month term. And the last term for this kind of certificate of deposit by Chase is 120 months with an APY of 1.75%.

These are then the terms or programs that people can choose or pick when they want to have certificate of deposit accounts for their lives and for their future.

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Online Certificates of Deposit Options at HSBC

By BankAim · Comments (0)
Tuesday, June 26th, 2012

People would always want to tailor their bank accounts if they just can do it. There are many people who would look for ways and means in order for them to be able to save money and let it earn some interest in the bank of their choice. One way for them to do it is through opening certificates of deposit accounts. All banks and financial institutions have this and one place where people can surely go to entrust their savings is at HSBC.

This is a good place to start preparing for the future. They offer well updated rates. They also have an outstanding customer service with efficient and effective policies and operations. Those people who really would want to protect their money should start understanding HSBC more. In terms of their certificates of deposits, there are many choices depending on what terms or programs the account holders or owners would want to have. HSBC offers the online certificate of deposit wherein those who are interested can simply apply online. This is a very easy and quick way of opening an account which any person can do. The benefits of opening in HSBC are that the fixed interest rates are compounded daily and it has a very easy access account management because it is online. The savings of the account holders are secured and FDIC insured.

Certificates of Deposit

For those who will be opening an online CD account with the term or program of six to nine months should have a minimum balance of $1,000. The annual percentage yield or the APY for these terms is 0.10%. Those who want the one year term to 18 months program, the APY is 0.20%. While for the 24 months to 30 months, the APY is 0.35%. And lastly, the longest term they have which is the 48 months program will have an APY of 0.80%. These are the annual percentage yields HSBC offers for those who want to open an online certificate of deposit account. Those who are interested and have the money to open an account should do it as soon as they possibly can.

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Amazing Flexible Terms of Certificates of Deposits at BBVA Compass

By BankAim · Comments (0)
Thursday, June 21st, 2012

BBVA Compass is a leading bank in the U.S. that has been providing better services in terms of retail and corporate banking. Many investors and regular American citizens continue to rely on them especially when it comes to certificates of deposit accounts because they offer good rates and deals. People especially those with families deserve to have savings and thus they should start by choosing BBVA Compass in opening their CD accounts. People will be able to choose or pick good terms or programs that will certainly fit or suit what they want. This is a very important factor considering it affects the overall earnings upon maturity.

Certificates of Deposits

Those who want to open certificates of deposit accounts will be able to choose among many flexible terms. The programs or terms are actually from as short as thirty days to as long as fifteen years. These terms will depend on what the account holder will choose. Most people would choose the longer terms because the longer they will keep their money, the more savings or interest they will earn. BBVA Compass offers flexible rates because they always update their rates in order for it to compete in the market.

The minimum amount one should have in order to open a certificate of deposit account is only $500. For those who will be choosing the one month term, the interest rate is 0.150% with an APY or annual percentage yield of 0.15%. While for the six months term, an APY and an interest rate of 0.25% and for the 12 months terms, the APY is 0.50% and the interest rate is 0.499%. On the other hand, those who want longer terms such as the 24 months program, the interest rate is 1.242% with an APY of 1.25%. For the 36 months, the interest rate is 0.946% and 0.95% APY. And for the 60 months term or the five year program, the interest rate is 1.980% and an APY of 2.00%. These are then the terms and rates that interested clients can open when they want their own certificate of deposit accounts.

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Certificate of Deposits at Quaint Oak’s Financial Savings

By BankAim · Comments (0)
Saturday, June 16th, 2012

Saving using piggy banks will never be enough for those who want to save sufficient money for the future. This is the main reason why people would want to open certificate of deposit accounts. There are many banks and other financial institutions or groups that offer certificate of deposits for those who are interested and willing to make their money earn interest. In this way, their money will increase its worth in a specified time. Since there are so many banks today, it is best to choose or select the one that will have the best interest rates and the best terms or programs for the CDs.

One institution that we can consider is Quaint Oak Financial Savings. This is a community bank that makes things simpler and easier in terms of financial problems and issues. Their main goal is to help clients build and attain financial security by saving which is why they have different terms of certificates of deposits for families to choose from. They serve their customers with utmost respect and this is also the reason why their clients keep investing more. They provide excellent customer service and competitive rates.

CD Rates

The most recent rates they have effective on June 22, 2012 include the 6 months term with an interest rate of 0.44% and an APY or annual percentage yield of 0.45%. For those who will be choosing the 12 months term, the interest rate is 0.74% and APY of 0.75%. While the interest rate for the 18 months term is 0.83% and the APY is 0.85%. For the longer terms like the 24 months will have an APY of 1.05% and an interest rate of 1.03%. And the last term which is the 36 months has an interest rate of 1.42% and a 1.45% APY. The minimum deposit for the CDs is $500 which is a small amount yet a great way to earn and save more.

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Discover Bank’s Certificates of Deposit: The Smart Move

By BankAim · Comments (0)
Tuesday, June 12th, 2012

Discover Bank is one of the most trusted financial institutions in the United States. Because of its reputation and quality service, many American families choose to bank with Discover. The services they have are committed to excellence and convenience which makes it easy for people to go directly to them and inquire about their products. One of their most popular services are certificates of deposits.

Those who want to have a safe place to put their money can almost always find security and reliability in certificates of deposits. CD’s provide a fixed interest rate which often gets higher with a longer term. Discover Bank offers great certificates of deposit rates that guarantee amazing returns. The terms are flexible and in varying ranges for more choices. Another benefit of opening a CD account with Discover Bank is that once the deposit matures, the owner can easily transfer it to other accounts.

Discover Bank’s CD Terms and Conditions

The minimum deposit for those who are planning on opening an account is only $2,500 which is lower compared to other bank requirements in the country. In terms of rates, the latest they have as of June 12, 2012 is 1.75 % APY for the five year term. For those individuals who want shorter terms like six months, the interest rate is 0.75% with an APY of also 0.75% while for those who want the 12 months term, the APY and interest rate is 0.90%. The three years term will have an interest rate of 1.34% with an APY of 1.35% and the four years term will have an interest rate of 1.54% and an APY of 1.55%. When a certain CD will mature, Discover Bank will notify the account holder three weeks before the maturity of the CD so that the owner can decide whether to continue for another term or withdraw the amount.

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Saving Enough through Certificates of Deposits at Ally Financial Banking

By BankAim · Comments (0)
Thursday, June 7th, 2012

Certificates of deposits are important investments to a lot of people today. It’s a great way to earn without lifting a finger since all you have to do is submit your money to the bank, and your money just grows even if you forget about it. Because of how competitive banks and credit unions can be, many people are carefully discerning who gives the best rates so that they will earn bigger interest and profits compared to the others. One such bank that offers great rates is Ally Financial Bank.

All About Ally Financial Bank

Ally Financial started off by providing financial services for automotive customers in the early years it was founded. After many successful transactions, they eventually expanded to insurance, commercial finance, banking, and mortgages. Today, they have become quite known in providing better rates compared to other financial institutions in terms of certificates of deposits. They offer different terms for those individuals and families that are interested in opening such an account.

Certificate of Deposits

The certificates of deposits in Ally Financial Bank are offered to everybody since there is no minimum amount or deposit in opening an account. Those who will be funding within the first ten days of opening the certificate of deposit account will have the highest rate for the CD term of choice. This means that the higher the rate, the bigger the earnings or savings will be. The annual national average as of this moment for the certificates of deposit is 0.32% APY while in the Ally Financial Bank, they offer 1.03% APY. So an example for this certificate of deposit earning is when one will deposit $25,000. If this person will choose the 6 months term then he or she will have an interest and APY rate of 0.74% with estimated earnings of $92.92. When he or she will choose the 12 months term, the interest rate will be 1.02%, APY of 1.03%, and the deposit will earn $256.30. Just imagine how your earnings will increase when opening a CD in Ally Financial Bank.

What are you waiting for? If you’re looking for high earning CD rates, Ally Bank is the place to go.

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Higher Rates for Higher Deposits at MetLife Bank

By BankAim · Comments (0)
Saturday, June 2nd, 2012

We all want our money to work for us, and this is where interest rates work at our advantage. We all know that one of the most secure ways to make our money earn is by investing in certificates of deposit. One of the best places we can do so is at MetLife Bank.

MetLife Bank is known for solid financial services and insurance offers that they provide to their customers. They are indeed committed in making sure that they help their clients and customers build a good financial future. They also offer competitive rates to keep their clients investments on top of the market. In terms of security, MetLife is FDIC insured, ensuring their depositors money for as much as $250,000.

MetLife Certificates of Deposits

Unlike most banks where the CD rates are fixed depending on the term chosen, MetLife Bank is offering their depositors higher rates for larger deposits. For example, a three month term with a deposit of $2,000 to $14,999, can give you an APY of 0.25% whereas deposits of $15,000 to $24,999 can give a higher APY of 0.35%. Furthermore, deposits of $25,000 – $49,999 can give a rate of 0.45%. They also have jumbo CDs for deposits over $100,000 which offers an even higher rate of 0.50%, and that’s only for the three month term. For the 12 month term, a deposit of $2,000 to $14,999, can give an annual percentage yield of 0.85%, and as much as 1.05% for jumbo CDs.

With these unique tiered rates, depositors can be encouraged to save more, so they can also make the most out of their money. The other rates they have can be found in their website and for those who are interested they can simply contact MetLife and ask questions with regards to their certificates of deposits.

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Competitive CD Rates from Self-Help Credit Union

By BankAim · Comments (0)
Tuesday, May 29th, 2012

Certificates of deposit are a great way to save because there’s almost no risk involved while keeping your money in a place where higher interest is ensured. One financial institution that offers the best deals and rates in terms of deposits is Self-help Credit Union. The institution is FDIC insured and their main goal is to help their clients and customers get the best financial services possible.

Certificates of Deposits and Rates

Those who will open certificates of deposits will have peace of mind because they are guaranteed a certain interest rate which they can choose to lock in at the beginning of their term. The longer the term you choose, the higher the interest rate offered to you. Plus you don’t have to invest such a big amount since the minimum investment is only $500 with terms from three months to five years.

For a minimum deposit of $500 dollars in a three month term, you can get an annual percentage rate or APR of 0.50% and an APY of 0.50%. Those who will be choosing the twelve month term will have an APR of 1.05% and an APY of 1.06%. While an APR of 1.25% and an APY of 1.26% for the term of 24 months or two years. And for the 36 month term, the APR is 1.50% and APY of 1.51%. The rates will obviously depend on the term thus clients should really decide on how long or what term they are going to choose.

These rates are quite helpful and advantageous for those who are looking to take advantage of what certificates of deposits can offer.

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American Plus Bank Remains Competitive with Its Low CD Rates

By BankAim · Comments (0)
Thursday, May 24th, 2012

Like many banks these days, American Plus Bank has dropped its rates to remain competitive. However, some of their best CD rates come from the mid-term maturity periods, the one-year term included. Since this maturity period is the most perfect start-up for beginners and low-risk takers alike, it won’t be long before you’ll find yourself among those eager to set-up an account now.

About the Rates

Local deals and credit unions aside, the top contender for the 1-year CD is currently held by Doral Bank’s 1.15% rate. By comparison, American Plus Bank’s 1.11% does not lag far behind in this race. This is good news to those who have been waiting to score a great CD deal with American Plus for a long time as they will surely be assured of excellent growth with their hard-earned money.

The CD maturity terms from America Plus ranges from seven days to 60 months or 5 years. The rates vary in value, but the best ones are from the 12-months up to 24-months deal.

The minimum initial deposit to open an account is $1,000. For a much higher maturity earning, pump this up to an unlimited amount of over $100,000.

More information regarding fees and other specifics will be provided as soon as you contact one of their friendly customer service assistant either online or by phone to the bank nearest you.

About American Plus Bank

American Plus Bank was founded in 2007. Despite it being young in the world of banking and financial services, it rose to the rank of being 143rd largest bank in California. One of the great things about American Plus is that it boasts of a 55% higher than the national average with its rates. It is headquartered on Arcadia, California and currently provides electronic cash management system in an effort to push a wider selection of services to its growing consumers.

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