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Perks of Using First Citizens’ VISA Platinum Credit Card

Thursday, September 27th, 2012

A credit card today is just as essential as cold cash. After all, credit cards allow you to make purchases while potentially earning more for yourself. It also allows for convenience in payment, as well as an extra line of credit when you’re in a minor cash crunch. With all the credit cards different financial institutions have to offer, it’s difficult to find one that suits you best. However, you may want to try getting a credit card with First Citizens Bank.

First Citizens Bank has almost 430 branches nationwide. Some of which are found in Arizona, Florida, Kansas, New Mexico, Texas, and West Virginia. These are just some of the branches that are booming because of the different services offered by the bank. Its main headquarters is located in Raleigh, NC of which it was established in the year 1898. Given its extensive history, the bank has further increased its assets making it one of the largest controlled family banks in the United States. Today, most of the services they offer involves personal and business banking, as well as investments and insurances.

The VISA Platinum Credit Card

Right now, a major service that they are offering is the VISA Platinum credit card. It is a premium card that has a high credit limit which is useful especially to those who constantly make large purchases. When owners will transfer a balance from another card, there will be no transaction fee. The APR or annual percentage rate on purchases is 10.15% and when the cards will be lost or stolen, immediate replacements will be given.

In conclusion, those who are interested with this card can simply apply at any First Citizens branch. They will really be satisfied once they will start using their own VISA Platinum credit card

College is a time to learn independence and that includes being able to manage ones finances responsibly. One way to gain financial knowledge and maturity is by owning your very own credit card. College students can definitely benefi from having their own credit cards because it can help them whenever they come across a cash crunch. With so many things to pay for such as food, lodging, books, projects and other miscellaneous expenses, it’s only practical to have an extra line of credit rather than having to call dad back home. So what credit card would be perfect for college students today?

About Oxford Bank

Oxford Bank was established in the year 1884 and continues to grow in services as well as in number. Today, they are one of the most accomplished banks not just in their services but also in providing help to the community. For those students who want to get help from them with regards to credit cards, they would definitely have something to offer.

College Rewards VISA Card

Those who want to be members of this card should know what are its perks and features. Even for those who have limited credit history can still apply and get this card. It is very convenient to use with redeemable awards if one will be able to collect 1500 points. This card has no annual fee which is just appropriate for those students who actually have limits with their budget. The APR or annual percentage rate ranges between 11.99% and 20.99%. And when there are enough points, the account holders can choose among the reward options such as travel, gift certificates, cash, and a lot more.

In conclusion, this college rewards VISA card by Oxford Bank is clearly appropriate for students who are starting to live and act on their own especially with regards to the financial aspect of life.

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.

Features of Republic Bank’s VISA Credit Card

Friday, September 21st, 2012

Want a credit card with no annual fee? Then you should apply for Republic Bank’s VISA credit card. Credit cards are a necessity for many people nowadays because it provides convenience as well as extra funds when you’re in a cash crunch. It’s even common to have not just one but two or three cards as long as you can afford it.

If there is one card that people should consider getting, its the VISA credit card by Republic Bank. This bank has excelled in providing the highest quality and level of banking standards. Its reputation is known all over the nation as one of the best. They offer services that would really help their clients very well like the credit cards they have, mortgages, loans, checking accounts, health savings, certificate of deposits, and a lot more. They do not just cater with personal banking but also with business and commercial finances.

VISA Credit Card

One of the best products they have is Republic Bank’s VISA credit card. This is a kind of credit card with no annual feit giving their account holders the luxury of not having to be charged at the end or start of the year. Aside from this, account holders can easily access their accounts on the internet and keep abreast with their billing statements. Clients  are assured that their finances and other important information are safe and secured. And it has a feature that includes a 24 hour emergency cash and card replacement should you lose your card.

In terms of rates, the annual percentage rate on all purchases and cash advances is 8.45% but it can vary or change on a monthly basis depending on the Prime rate market. The dues to be paid for the card are at least 25 days prior to due date. This will be applied after closing of the billing cycle and the owner will not pay any interest on the purchases if he or she will be able to pay the entire amount or balanwit on or before the due date. With these features and rates, those who will have this credit card can really enjoy and take advantage of it.

Upfront and Exceptional Mortgage Rates at AmeriSave

Thursday, September 20th, 2012

The home buying process can be both exciting and taxing at the same time. There’s nothing more exhilirating than the thought of moving into a new home but then there’s also the big cash investment to think about. Not everyone has the ability to pay for a home in cold cash which is why mortgages come in handy for buyers. Any smart home buyer would naturally go for a mortgage lender that provides great rates thus making their monthly obligations lesser.

Many financial companies like banks and lending services offer good rates just like what AmeriSave has in store. This is one of the biggest mortgage lenders in the whole country with hundreds of well-educated and professional employees that will help and cater to the needs of those who seek for mortgage assistance. Their main goal is to provide the best and lowest rates to every customer because they truly believe that everyone deserves to own a home. AmeriSave offers different mortgage products like the non-conforming loans, USDA, VA, and many more. Those who are interested should really go to this lending company directly.

As of today, the rates they have are quite low and competitive. For those who will have loans of up to $417,000, they can choose among the different terms available. One is the 30 year fixed term with a rate of 2.750% and an annual percentage rate of 3.004%. Next is the 15 year fixed with a rate of 2.250% and an APR of 2.559%. Another choice is the 7 year ARM with an annual percentage rate of 2.906% and a rate of 1.875% while the 5 year ARM has a rate of 1.625% with an APR of 3.045%. These are the latest rates that clients can easily apply for.

If you are interested for a mortgage, you better check at AmeriSave now while the rates are still low and excellent. You will for sure be accommodated and entertained well because this is what AmeriSave does. They truly give importance to their clients and future customers as well.

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.

Greenlight’s Effective and Personalized Mortgage Rates

Monday, September 17th, 2012

Changes will continuously happen with the market’s mortgage rates all around the nation and the world. People can always expect that rates will go up and down because rates are determined by the market as well as economic activity. In this case then, it is very essential that those who are planning on purchasing or refinancing their homes should grab the chance when mortgage rates are at its best. In this way, they will be sure to save on monthly mortgages. Right now, one of the best mortgage companies that people should be open in making business with is Greenlight Financial Services.

All About Greenlight Financial Services

Latest Rates with loans up to $417,000

Those who will have loans amounting up to $417,000, can choose the right terms for them which include the conforming 30 year fixed term with interest rate of 3.500% and an APR or annual percentage rate of 3.547%. Another choice will be the conforming 20 year fixed with a rate of 3.375% and APR or 3.440%. There is also the 15 year fixed term with an annual percentage rate of 2.957% and interest rate of 2.875%. These are just some of the choices for those who will have mortgage loans up to $417,000 but for those who have bigger loans, Greenlight also provides another set of rates that go with the amount.

In the end, no matter what the mortgage loan or amount is just as long as the mortgage rates are competitive and well updated then it is best for people and families to grab what Greenlight Financial Services offers.

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