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29-State Deal: Top 15-Year Mortgage

keys and houseBestRateUSA is offering one of autumn’s best nationally available deals on a 15-year, fixed-rate home loan.

It’s charging borrowers in 29 states just 2.99% with no points and no lender fees. There’s also a 30-day rate lock.

That’s over a quarter of a percentage point lower than the average cost for 15-year loans — 3.29%, according to our latest survey of major lenders.

It’s more than a full percentage point less the average rate for a 30-year fixed-rate mortgage — 4.10% in the same survey. Click here to read more

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Two Ways To Earn 2.1% In Massachusetts

We’ve never been huge fans of relationship rates, and with better CD deals popping up at community banks and credit unions this fall, we rarely cover them.

But Pioneer Valley Federal Credit Union in western Massachusetts is paying 2.10% APY on 12-month CDs for members who also have an Investor Rewards Checking account.

That’s certainly something to write about — the top nationally available 12-month CD rate on our CD Rates Leaderboard pays more than three-quarters of a percentage point less.

Then there’s Investors Reward Checking, which requires one direct deposit, eStatements and at least 12 PIN or signature debit card transactions each month.

Do that and the fee-free checking account will also net you 2.10% APY on balances up to $25,000. Click here to read more

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New Leader In 3-Year CDs Paying 1.7%

A substantial rate hike from iGObanking has significantly boosted the top nationally available return on 36-month CDs.

The online division of Flushing Bank, which has 17 locations in New York, raised its return three-tenths of a percentage point to 1.70% APY with a $1,000 minimum deposit.

That’s a notable improvement over the previous leading rate of 1.50% from Nationwide Bank, which wasn’t even good enough to beat the best 24-month return on our CD Rates Leaderboard.

There’s only been one very brief time this year that a national deal on 3-year certificates of deposit has paid more than this. Click here to read more

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CD Special Cheers Pennsylvania Savers

First Priority Bank has an 18-month CD that’s paying Pennsylvania savers 1.55% APY.
lightbulb and dollar sign

That’s good enough to beat the top nationally available 36-month CD rate on our CD Rates Leaderboard and tie the top 24-month CD rate.

First Priority requires a minimum deposit of $500 in new money — cash not currently invested with the bank — to buy one of these certificates of deposit.

Anyone who lives in the Keystone State can open an account online. This rate is also available at First Priority’s 10 offices in Berks, Bucks, Chester and Montgomery counties.

(Click here to search Bankrate’s database of all the best nationally available CD rates.)

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Valley Of The Sun CD Is A Desert Deal

The 18-month CD special at Pinnacle Bank is the only hot spot for savers that we’ve found in Arizona lately.

And trust us — this Southwestern state is always on our radar.

With a $1,000 minimum deposit, you can earn 1.50% APY, which is as much as the best nationally available 36-month deal on our CD Rates Leaderboard is paying.

Although you don’t have to be an Arizona resident to buy Pinnacle’s certificates of deposit, new accounts must be opened at one of its two branches in the Phoenix suburb of Scottsdale.

Highest CD Rates Roundup For Nov. 21

Check out all the top returns we’ve found at credit unions and community banks across the country. These local deals pay more than the best nationally available CD rates.

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30-Year Mortgage: 3.75%, No Points

First Guaranty Mortgage is offering one of November’s best deals on 30-year, fixed-rate mortgages in 28 states from Maine to California.

It’s charging just 3.75% with no points and $995 in lender fees. It comes with a 31-day rate lock period.
Percentage signs falling on red house

That’s nearly two-fifths of a percentage point less than the national average of 30-year loans — 4.1%, according to our latest survey of major lenders.

The monthly principal and interest payment for this loan would be $463 for every $100,000 borrowed.

You can use this mortgage calculator to determine the monthly payments for the amount you want to borrow with this or any home loan.

It will also provide a month-by-month amortization schedule that shows how much you’ve reduced your debt and how much you still owe if you want to pay off the loan. Click here to read more

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Could Capital One Have An ‘Essential Savings Account’ For Your Money?

If you live near a branch of Capital One Bank, you can earn an impressive 1.25% APY on your savings for a guaranteed six months.

While that’s comparable to what you can make from the top-paying nationally available savings account at UFB Direct, you need far more cash to score the top rate at UFB Direct, and there’s no guarantee how long that rate will remain in place.

At Capital One, you can earn 1.25% APY on an Essential Savings account with balances from $10,000 to $1 million.

Although McLean, Virginia-based Capital One requires a substantial minimum investment to qualify for that top rate, it’s more manageable than the $25,000 needed to make 1.25% APY from UFB Direct. Click here to read more

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4-Year CD Rewards Illinois Investors

Central Illinois savers with access to Morton Community Bank or one of its divisions, known as Hometown Community Banks, can earn 2.05% APY on special 48-month CDs.

We’ve found it nearly impossible to find a 36-month CD rate anywhere near 2% these days — let alone on our CD Rates Leaderboard. The 48-month term is really the way to go.

There are 26 banks under the Hometown Community Banks banner. Most are named for the community in which they’re located, like Peoria Community Bank in — wait for it — Peoria. But a few break the mold.

We assume that if you bank at a Hometown Community Bank, you know it. Still, the entire list is on the website if you live in central Illinois and aren’t sure if one is nearby.

You’ll need to deposit a minimum of $1,000 to buy this certificate of deposit and do so in person at a branch.

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Leading 2-Year CD Rate Still Stands Alone

It’s been two months since Citizens State Bank took 24-month CD rates to a level we’d forgotten was possible.

We were hoping other banks might see that 1.55% APY as a challenge. But, no.

hand holding 100 dollar bills

Although four banks have raised their returns since mid-October, 15 basis points (that’s 15-hundredths of a percentage point) still separate the highest and second highest rates in our continuously updated rankings of the best nationally available 2-year CD rates.

Citizens State Bank, which has four branches in northern Florida, requires a $1,000 minimum deposit.

iGObanking now pays the second best rate of 1.40% APY. The online division of Flushing Bank, which has 17 locations in New York, requires a $1,000 minimum deposit.

Nationwide Bank comes next at 1.33% APY. The online bank, owned by the big Columbus, Ohio-based insurance company Nationwide Mutual, requires a $500 minimum deposit. Click here to read more

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