bank rates

Best Checking Account Offers for November 2017

Checking account offers

If you’re in the market for a new checking account, it pays to do some shopping around. This month, the top checking account offers pay a bonus of up to $500.

As long as you can avoid the potential monthly fees, these are worth a look.

Here are Bankaholic’s picks for the best checking account offers for November 2017:

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Check Out These Banks Offering Bump-Up CD Promotions

piggy-bank-red-bowWhen markets expect interest rates to move up, bump-up CD promotions start to become more popular.

And since the Fed has recently been inching up its benchmark interest rate, we’re seeing a few more these days.

Indeed, we have a few banks on our radar.

Remember, you can always find the best deals in your area by checking our chart of the best CD rates.

Here are three banks currently offering bump-up CD promotions:

Banks Currently Offering Bump-Up CD Promotions
Bank Term Base Rate APY
Ally Bank  2-year, 4-year 1.50%, 1.50%
Cornerstone Bank 14-month, 22-month 1.11%, 1.21%
American United FCU 3-year 2.00%

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3-Year CD Rates Roundup: Earn 2.10% Nationally

The top return among national 3-year CDs has been moving up lately. In fact, rates on 3-year CDs are around a quarter of a percentage point higher than they were at this time last year.

Now you can earn 2.10% APY from two banks — KS StateBank with a $500 minimum and Everbank with a $5,000 minimum.

But while there are several nationally-available deals worth considering, there are also some great local deals from credit unions and community banks for mid-term CD shoppers.

And we’ll tell you where to find those local deals.
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Veridian’s Nationally Available CDs Are Tough To Beat

Veridian Credit Union Logo

Iowa’s largest credit union by membership is offering some great CD deals to savers across the nation.

While Veridian Credit Union’s CDs are generally competitive, it raised its CD rates in early May and has at least a few certificates of deposit worth considering:

  • 1.81% APY on 15 months.
  • 1.91% APY on 25 months.
  • 2.17% APY on 39 months.

All require a $1,000 minimum deposit and either beat out or compete with the top nationally available rates from the banks on our CD Rates Leaderboard

Notably, there’s a 10 percentage point increase on each of the terms listed above for a jumbo CD from Veridian with a $100,000 minimum. For example, the 15-month jumbo CD would pay 1.91% APY instead of 1.81% APY.

“Many of our members use CDs as a tool to save and plan for their future. It’s our mission to help them create successful financial futures, and we’re always in search of opportunities to make our products and services more impactful toward achieving their goals. Our recent CD rate increase contributes to that effort and rewards healthy saving habits,” says Keith Mesch, Chief Financial Officer for Veridian Credit Union. Click here to read more

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Best National Savings Accounts for November 2017

Hand grabbing money out of a jar

After months of stagnation, we’re finally starting to see a rise in savings rates. Two banks are at the top of the list of the best national savings accounts for November 2017 — Dollar Savings Direct and Salem Five Direct.

Both are offering 1.50% APY. Dollar Savings requires no minimum deposit to open and a $1 minimum to avoid fees. Salem Five requires a $100 minimum to open an no minimum to avoid fees.

That rate is one-tenth of a percentage point higher than you would have found out of the top savings deals last month.

Right below those two offers paying 1.50% APY, Incredible Bank is offering 1.41% APY with a $2,500 minimum deposit to open and a $2,500 minimum balance requirement.

 

In total, you’ll now find six banks all offering 1.40% APY or above on savings accounts. That’s quite a change from this time last year.

 

 

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6 Safe Places to Invest Your Money

It might be tempting at times to dig a hole in your backyard and bury your savings, even when the stock market is on a rally. But if you pick safe places to invest your money, you’ll know at all times how it’s performing for you.

Here’s a list of some places to consider investing your money that have very minimal risk: Click here to read more

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EverBank Offers Top Nationally Available Deals on 2-, 3-, and 4-Year CDs

EverBank is showcasing some very worthwhile CD rates this month. The bank has recently bumped up its rates on a number of terms.

Those increases push the Jacksonville-based bank into the lead for the best nationally available 2-, 3- and 4-year returns.

It’s currently paying:

  • 1.82% APY on 24-month CDs.
  • 2.10% APY on 36-month CDs.
  • 2.20% APY on 48-month CDs.

The minimum deposit for all of those deals is $5,000.

If you can’t swing that minimum, look for other great deals from GS Bank, which only requires a $500 minimum but is still competing very well with EverBank.

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Best Money Market Accounts for Fall 2017

Money Market AccountsThe best money market account deals come from a pair of affiliated banks from Oklahoma, All America Bank and Redneck Bank. Both are paying 1.50% APY. But that rate is only paid on balances up to $35,000. Higher balances earn just 0.50% APY.

We have to note that this is the highest rate we’ve seen out of money market accounts in quite a while.

The next best money market account rate this month comes from UFB Direct, which is paying 1.41% APY with a $5,000 minimum to open.

In total, there are 11 banks paying 1.10% or better on money market accounts. And six banks are paying 1.30% or better.
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GS Bank Is Offering Top CD Rates

If you’re in the market for a CD, short-term or long, GS Bank is offering great deals across the board. Indeed, it’s leader of the pack, paying the highest rate on nearly every term.

One deal that sticks out is its offer on 3-years.

GS Bank is offering 2.00% APY on 3-year CDs with a $500 minimum. That’s as much as the top paying 4-year CD, which also happens to be GS Bank.

You’ll also find that GS is posting the top deal on 2-, 4- and 5-year CDs right now.

Of course, it’s always crucial to compare the best CD rates before you purchase.

Click here to read more

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