bank rates

Granite CU Offers Tough-To-Beat Deal On 5-Year CDs in Utah

piggy-bank-red-bow

For savers in Salt Lake County, some of the best yields come from Granite Credit Union.

It’s paying 2.60% for a 5-year term, which is well above the top nationally available 5-year return of 0.91% APY.

Granite is also offering a solid promo rate on 30-month CDs — 1.80% APY.

Of course, it’s always wise to check Bankrate’s extensive database of the day’s best CD rates before locking in any certificate.

But if you’re in Salt Lake County, Granite is certainly offering some of the best deals around.

Here’s what the Granite Credit Union is paying on CDs:

 

Click here to read more

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1-Year CD Rates Roundup: Earn 2.00% Nationally

piggies in the round

The top nationally available return on 1-year certificates of deposit is currently 2.00% APY, much higher than you could have earned at this time last year.

 

Three banks are tied for that rate — Synchrony Bank, ableBanking and Live Oak Bank.

The main difference between those deals is the minimum deposit amount. Synchrony Bank has a $2,000 minimum, ableBanking has a $1,000 minimum and Live Oak Bank has a $2,500 minimum.

If you prefer to go local, you can earn up to 1.69% APY from credit unions and community banks, and we’ll tell you where to find those deals.

Click here to read more

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Marcus Offers Top CD Rates Across The Board

Marcus cd ratesIf you’re in the market for a CD, short-term or long, Marcus by Goldman Sachs is offering great deals across the board. Indeed, it’s at the head of the pack, paying close to the top rate on nearly every term.

Marcus was formerly known as GS Bank. The rebrand has been in the making for quite some time, but it officially switched over this year.

One deal from Marcus that sticks out is its offer on 5-years.

Marcus is offering 2.50% APY on 5-year CDs with a $500 minimum.

You’ll also find that Marcus is posting top deals on 3- and 4-year CDs right now. And it’s deals on other terms are certainly worth considering as well.

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

Click here to read more

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5-Year CD Rates Roundup: Take Home 2.50% Nationally, 2.75% Locally

Looking for the best 5-year CD rates? Right now the best you can earn nationally is 2.50% from Marcus by Goldman Sachs.

That certainly beats the 2.27% you could earn from the top 5-year CD rates at this time last year.

But it’s not the best you can take home. In fact, you can almost always find some better-than-average local deals. And we’ll tell  you where to find them.

It’s important to keep in mind that rates change daily, which is why it’s always a good idea to check Bankrate’s extensive database of the day’s best CD rates. Click here to read more

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Highest Money Market Rates for January 2018

Money Market AccountsFor most of 2017, the best money market account rates came from a pair of affiliated banks from Oklahoma — All America Bank and Redneck Bank. Both are still paying 1.50% APY. But that rate is only paid on balances up to $35,000. Higher balances earn just 0.50% APY.

This year there’s another contender in the mix. Northpointe Bank is paying 1.50% APY as well. And it’s cap on balances is much higher.

You’ll also find a solid rate from UFB Direct, which is paying 1.41% APY.

And EBSBDirect isn’t far behind, offering 1.39% APY.

In total, there are 15 banks paying 1.15% or better on money market accounts.  Click here to read more

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Best Checking Account Offers for January 2018

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 January 2018:

Click here to read more

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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 1.65%, 1.65%
Cornerstone Bank 14-month, 22-month 1.11%, 1.21%
American United FCU 3-year 2.00%

Click here to read more

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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.

Click here to read more

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Pick Up A Tough-To-Beat 2.1% On 30-Month CDs Nationwide

roll of cash emerging from broken golden egg

If a 30-month certificate can fit your savings portfolio, EBSB Direct and its parent, East Boston Savings Bank, have a competitive offer for savers anywhere in the country.

Both are paying 2.21% APY on the odd term, offering a slight premium over the top nationally available 3-year return of 2.15% APY from the banks on our CD Rates Leaderboard.

A search through Bankrate’s extensive database of the day’s best CD rates will show that this return isn’t easy to beat. Still, you should always check since new offers can crop up quickly.

Savers living in Massachusetts who can get to one of 30 branches throughout Boston and Suffolk, Essex and Middlesex counties can open the promotional CD in person.

But anyone in the country can open the same certificate of deposit via the bank’s internet operation, EBSB Direct, which only offers online products. Click here to read more

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Best National Savings Accounts for December 2017

Hand grabbing money out of a jar

After months of stagnation, we’re finally starting to see a rise in savings rates. One bank is at the top of the list of the best national savings accounts for December 2017 — Incredible Bank.

It’s offering 1.55% APY. But that’s with a hefty minimum balance of $25,000.

If you can’t swing that minimum, there are three other banks offering a slightly lower rate.

DollarSavingsBank, Salem Five Direct and Live Oak Bank are all offering 1.50% — DollarSavingsDirect requires a $1 minimum balance while Salem Five Direct and Live Oak don’t require a minimum.

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.

Click here to read more

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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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Michigan Deal: Earn 1.81% On 18-Month CDs

piggy-bank-red-bow

If you’re looking for a solid deal on a short-term CDs in Michigan, be sure to check out Michigan One Community Credit Union.

It’s paying 1.81% APY on 18-month certificates of deposit, with a minimum $10,000 investment.

With the top nationally available 12-month offer from the banks on our CD rates leaderboard CD Rates Leaderboard standing at 1.80% APY, Michigan One’s shorter-term offers an edge. It’s just slightly below the top national 24-month CD, which is 1.85% APY.  Click here to read more

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Capital One 360 CD Rates Are Worth Another Look

Capital One 360 logoCapital One recently gave a boost to its certificates of deposit.

Now the bank is offering some of the best national deals on 12-, 18-, 24- and 60-month CDs.

Its 5-year CD takes the lead among national banks offering 60-month CDs.
Click here to read more

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3-Year CD Rates Roundup: Earn 2.11% 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 2.11% APY from the lead bank on our list. M.Y. Safra Bank is paying 2.11% with a $5,000 minimum.

KS StateBank and Everbank are close behind, both paying 2.10% APY, with KS StateBank requiring a $500 minimum and Everbank requiring 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.
Click here to read more

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6-Month CD Rates Roundup: Top National Deal Pays 1.42%, Local Pays 1.49%

One bank is leading the charge on 6-month CDs. M.Y. Safra Bank is offering 1.42% APY with a $5,000 minimum.

But First Internet Bank of Indiana is close behind, paying 1.41% with a $1,000 minimum.

CDBank.com is also at the top of the pack, charging 1.40% with a $10,000 minimum.

As always, shopping locally may earn you more from a credit union or community bank. We know of at least one local deal that’s out-paying the national leader, offering 1.49% APY.
Click here to read more

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