Direct Lending with The Money Store

Everybody in this world wants convenience. And that certainly applies to getting a mortgage. People who want to buy and finance a house would want the easiest way to make it happen which is why many would choose to go to a lend that offers the best services as well as the most affordable mortgage rates available in the market.

A company that is known to be synonymous with mortgages for almost 40 years is The Money Store. This is a federal trademark registered company of MLD Mortgage Inc. The Money Store is known in the nation as one of those companies that have the lowest rates in terms of mortgages. They have revolutionized the industry by their “common sense” approach and good partnership with their customers.  With their excellent customer services, their clients have indeed trusted them well enough.

The current mortgage rates they have are good opportunity for people to gra. With their 30 year fixed term, the rate is 3.500% and the annual percentage rate or APR is 3.576%. For the 15 year fixed, the rate is 2.875% with an APR of 3.046%. On the other hand, the 5 year ARM rate is 2.875% with an annual percentage rate of 3.234% while for the 7 year ARM; the rate is 3.250% with an APR or 3.336%.

For those people and families who want to apply at The Money Store, they will most likely get a good rate and they will also be well informed throughout the whole process especially in terms of the usual payments and fees.

Great Rewards with Capital One Cash Credit Card

Tired of using your old credit card? It’s time for you to shift to a new level. Why not try Capital One’s cash credit card? This card offers competitive rates plus refreshing features on its rewards system.

Capital One Cash Credit Card: Rates

Before anything else, let’s talk about the rates. In terms of the annual percentage rate or APR for purchases, it is 0% intro until August of the year 2013 and after that time it will then be 12.9%-20.9%. For the transfer APR, the intro rate is also 0% until 2013 with the same variable APR as the purchase rate. Annual percentage rate on cash advance is 24.9% variable and the grace period of this card is 25 days on all purchases. And lastly, there is no membership fee.

Key Benefits and Rewards

Those who will have Capital One cash credit card will be able to enjoy and make use of a 50% bonus on all the cash backs the owner will earn each year. He or she will also have 1% cash back on the purchases he or she will make. The best thing about this is that thon points earned will be unlimited and will not expire. And the most important factor to remember is their one-time $100 bonus when the account owner will spend or use $500 during the first three months. So those who are always using the card will really be able to earn the bonus and eventually spend it.

Getting to Know the Jump Up CD at Northrim Bank

Are you interested in getting a certificate of deposit instead of just keeping your money in a regular savings account? If the answer is yes, then you definitely should go ahead and do it. Investing in CDs is a great way to grow your money because it’s safe, secure and it also offers a fixed interest rate which offers guaranteed returns. There are a lot of banks that can provide the best rates when it comes to CDs but one of the banks that gives satisfactory returns is Northrim Bank.

All About Northrim Bank

Northrim Bank is located in Anchorage, Alaska and is committed to providing its customers with first class service. Businesses, professionals, as well as individuals that need guidance with regards to their finances can find advise and quality service in Northrim Bank. Those who are located in Alaska and who are interested in applying for a certificate of deposits or CD should be open in doing it at this bank.

Certificate of Deposits

One of their well known CDs is the Jump Up CD. This is a good choice for those who would want to increase their earnings as interest rates will also rise. For those who will be selecting the one year term then the APY or annual percentage yield is 0.20%. The 18 months term will have an APY of 0.25% while 0.30% is for the 2 years terms. The last in this kind of CD is the 3 years term with an annual percentage yield of 0.40%. And the minimum amount to open such certificate of deposit is only $500. Next kind is the regular CD which is a good choice for those who will be choosing a shorter term. There is also the Alaska Certificate of deposit which is good for those who have bigger amounts to save.

Learning About The Right Mortgage Rates at Bankers Trust

Mortgage rates are always on the mind of people whenever they are serious about purchasing their own homes. Because of the economic crisis in the previous years, many homes have gone into foreclosure causing a depressed housing market. Mortgage rates are essential in determining just how much you’ll be paying per month, the better your rates are, the easier your monthly amortization will be on the pocket. If you yourself are looking for the right mortgage rates then you can definitely get it from Bankers Trust.

Established in the year 1917, Bankers Trust is an independently owned bank and is the largest one in Iowa. Many people would go to this bank for their financial services such as loans, credit cards, insurance, checking accounts, debit cards, and mortgages. They also have other services to offer for those who are in businesses.

Mortgage Rates

The current mortgage rates they have include a 3.250% rate and an APR or annual percentage rate of 3.390% for the term of 30 years. For the 15 year fixed term, the rate is 2.655% with an APR of 2.685% while for the 30 year CRA, the rate is 4.625% with an APR of 5.788%. For the 30 and 15 year conventional rates, the actual annual percentage rate or APR is based on a $100,000 loan. Those how will apply for such will need to make a 20% down payment and a 1% origination fee.

Trying Out the Step Rate Certificate of Deposit at Wells Fargo

Certificates of deposit are a great way to let your money earn interest. Many investors choose to place their money in CDs because of the security it offers. Despite having higher rates, some investors may have second thoughts about investing in long term CDs because of the lock in period. Penalty charges usually apply for early withdrawals. However, CD depositors at Wells Fargo need not worry about having to pay penalty fees with early withdrawals. With the Step Rate Certificate of Deposit, investors can enjoy higher rates with the option to withdraw early.

Many people are quite familiar with Wells Fargo because they have been known for providing and offering the best rates in terms of certificate of deposits. Wells Fargo was recognized in the year 1852 and since then has established an excellent and stable banking system. Services they offer include loans, mortgages, savings, credit and debit cards, and more.

The Step Rate certificate of deposit is a 24 month CD featuring guaranteed rate increase. It also has penalty free withdrawals for every six months. This will be allowed when the account owner has maintained the minimum opening amount or balance of the CD account. What is the minimum opening deposit? It is only $2,500 and this is has an annual percentage yield of 0.32%. When the account owner will use the step one which will mean 1-6 months, the interest rate is 0.10%. Step two will then be from 7-12 months with an interest rate of 0.25%. On the other hand, step three with the term 13 to 18 months has an interest rate of 0.40% and so on. This is then how advantageous it will be when people will choose this CD at Wells Fargo.

Get Your Own Bankers Trust Classic Visa Credit Card

Credit cards are carried everywhere today by most people in the nation. They would always want to be able to pay for all the things they need to pay easily without any problems and one way for them to do it is of course through their credit cards. Most people have multiple cards in order for them to use and change it all the time. Those people who want convenience in shopping, paying for bills, and etc. the cards they have are definitely the answer. It is then quite reasonable to have multiple accounts and one bank that people can go to in order for them to have their own credit card is in Bankers Trust.

All About Bankers Trust

Bankers Trust was founded in 1917 and is knows as Iowa’s largest and oldest independently owned financial institution. It has proven to give quality financial services to its customers and is committed to total development of personal financial needs. People who have financial needs can truly get what they need from Bankers Trust especially in terms of savings, personal banking, mortgages, loans, credit cards, and many more. Right now the Classic Visa credit card is one of the services people are clamoring for.

Personal Classic Visa Credit Card

It is one of the most convenient credit cards clients can carry wherever they want to go. It can even be a joint account which is advantageous for family members who wish to share the same expense account. In terms of its features, the annual percentage rate or APR for its purchases is 16.9% which is lower compared to other cards. The APR for balance transfers is 19.9% and for the cash advances is also 19.9%. Its annual fee is $20 which many would find affordable. Other fees such as the balance transfers is $10 as well as the cash advances.

To those who want to avail of this Classic Visa credit card, they can just inquire from Bankers Trust for the application process. It is very easy to apply for and in matter of days, those who are interested will be able to get and use it.

The Right Customer Mortgage at Wells Fargo

For those people who want to purchase new homes or perhaps refinance their own house, it is crucial to find the right bank that gives affordable mortgage rates. There are many good financial companies that offer the best rates in terms of mortgages. And one of the banks that people can truly trust is Wells Fargo.

Wells Fargo started way back in 1852. Given its lengthy history, Wells Fargo has built a solid name for itself. People will always go for the best in providing what they need. Wells Fargo has so much to offer in terms of financial services like mortgages, loans, insurances, credit cards, debit cards, savings, and many more. You name it they got it.

For their latest updates with regards to their mortgage rates as of August 15, 2012, one of the best they have is their 30 year fixed rate with an interest rate of 3.875% and an annual percentage rate or APR of 4.051%. The advantage with fixed rate mortgages is that the amortization remains the same all throughout the 30 year term. This prevents unpredictable high monthly payments. The other term is the 30 year fixed FHA with an interest rate of 3.625% and an APR of 4.686%. Those who want the 15 year fixed term; the APR is 3.308% and an interest rate of 3.000%. On the other hand, they also have the 5 year ARM with an annual percentage rate of 3.072% and interest rate of 2.250%. And lastly, they have the 5 year ARM FHA with an interest rate of 2.375% and APR of 3.036%. These rates are very reasonable and most people would certainly like this because they will be able to afford it. So to those who want the latest mortgages should try and check it out at Wells Fargo.

Acquiring Privileges with Glacier Bank’s Maximum Rewards VISA Credit Card

One of the best banks that offer the best financial services whether in personal or business banking is Glacier Bank. Since people are now commonly using credit cards wherever they are, it is necessary for them to have a card that provides all the features they need. And of course, who wouldn’t want a credit card that offers rewards for every purchase? With Glacier Bank, not only will people have the power to purchase what they want, but they also get rewarded for it.

All About Glacier Bank

Glacier Bank is located in almost 50 communities nationwide with 97 banking offices in Utah, Colorado, Idaho, Montana, Washington, and many more. This bank is indeed very accessible because of its many branches. Glacier Bank has $863.997 million worth of stockholders’ equity and total assets of $7.251 billion. For many people, Glacier Bank is the place to go when it comes to financial services.

Maximum Rewards VISA Credit Card

For those who are looking for a credit card that can give rewards, travel privileges, and cash backs then this card is the answer. With the Maximum rewards VISA card, a point is earned for every dollar spent with all the qualifying purchases. These points will then be collected and can be redeemed either in gift cards, travel discounts, and many more.

On the other hand, with regards to interest charges and rates, the introductory APR or annual percentage rate for the first 12 cycles of billing is 0% and after the 12 cycles, the APR will be 13.99% to 19.99%. The rate will then be based on the account holder’s creditworthiness. The monthly and annual fees are also of free charge and for those who will make delayed payments; the charge for it is only up to $35.

First Security Banks Simplified Teal Advantage Checking

To those people who are in search of the best checking account promotion, they should try the ones from First Security Bank. There are many kinds of checking accounts this bank has to offer but one of their most appealing is the simplified Teal Advantage checking.

All About First Security Bank

First Security Bank has total assets of $4.193 billion and a total capital of $520 million. With just these numbers alone we can bank on the stability of the institution. Other services they offer aside from checking accounts include mortgage loans, business and personal banking, credit cards, and many more. Those who will need such services will really be able to find the solutions with First Security Bank. And indeed, one of the famous services they have is the Teal Advantage Checking account.

Simplified Teal Advantage Checking Account

The Simplified Teal Advantage Checking Account is a premium account with good interest rates as well as rewards account holders can acquire. It is also known to be a simplified account because of the features it has. One feature is the 24/7 free telephone banking. Account holders who have questions or concerns regarding their account will be able to get immediate answers. Some of the other special features include free online banking and bills payment, free security cash card, free cashier’s check, free custom checks, free services for notaries, and a no annual fee First Security credit card for account holders.

No other checking account offers so much in terms of freebies with just account opening. For those who want the full package, they should then apply for First Security Bank’s Teal advantage checking.

Universal Bank’s Certificate of Deposits

Investing in certificates of deposit is a must for many people because we are all aware of how important saving is. With the problems in Medicare and the 401k not being enough for retirement, our only saving grace is the money we’ve set aside for ourselves. With stocks being so volatile, one of the safest ways we can make our money grow is through certificates of deposit.

One bank that has the best rates in terms of certificate of deposits is Universal Bank. This is a private bank with total assets of around $450 million. Universal Bank’s main headquarters is in West Covina, California with branches around Monterey Park, Los Angeles, Eagle Rock, Rosemead, and some other places. Those who want to check up on this bank can go to their website and inquire further what they want to know. Right now, they do not just offer good rates with regards to certificate of deposits but also with their mortgages and other financing services for real estate.

Certificate of Deposit Rates

With Universal Bank, it is possible to open a certificate of deposit with a minimum amount of $1,000. This is already a good deal especially now that it is so much harder to acquire such an amount. Universal Bank’s terms range from a month to three years. Those who will have a deposit of $1,000- $9,999.99 for the term of a month, the rate is 0.20% with an annual percentage yield or APY of 0.20%. For deposits of $25,000- @49,999.99 within the same term, the APY and interest rate is 0.30%. For deposits of $100,000 and more with the term of 30 days, the interest rate as well as the APY is 0.40%. On the other hand for the three years term, the APY and interest rate for deposits of $1,000 – $100,000 and more are 0.60%.

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