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A Checkless Checking Account Could Save You Money, Simplify Your Life

If you’re one of those people who never carries a checkbook and hates writing checks, a checkless checking account could help you cut down on paper and fees.

Big boys such as Citibank, Bank of America and KeyBank, along with a host of smaller banks and credit unions, are offering checkless checking or e-checking accounts, as they sometimes are called.

It’s part of a growing movement among consumers who are eschewing paper and relying on mobile and online banking with debit cards.

Many consumers say paper checks are outdated. Click here to read more

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California, Illinois Credit Union Touts CD


Citizens Equity First Credit Union has special 54-month CD rates for its more than 300,000 members in Illinois and California.

They can earn 2.50% APY with a $1,000 minimum deposit.

That beats the top nationally available 60-month CD rate on our CD Rates Leaderboard, which is currently 2.35% APY.

Of course, you have to be a member of CEFCU to buy these certificates of deposit. Participation is open to anyone who lives or works in:

    The northern California counties of Alameda, Contra Costa or Santa Clara.

    The central Illinois counties of Fulton, Knox, Livingston, Logan, McLean, Macon, Marshall, Mason, Peoria, Putnam, Sangamon, Stark, Tazewell or Woodford.

Click here to read more

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5 votes, average: 5.00 out of 55 votes, average: 5.00 out of 55 votes, average: 5.00 out of 55 votes, average: 5.00 out of 55 votes, average: 5.00 out of 5 (5 votes, average: 5.00 out of 5)
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Fall CD Special Treats New England Savers

New Dominion Bank is our new leader in 6-month CD rates.Jeanne D’Arc Credit Union has special 48-month CD rates for its 64,000 members in Massachusetts and New Hampshire.

It’s paying 2.15% APY with a $250 minimum deposit.

We love a 48-month CD rate that crosses the 2% threshold — especially considering that the top nationally available 36-month CD rate on our CD Rates Leaderboard is 1.51% APY. Click here to read more

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CD Special Pays Ohio Savers Nearly 2%

Hand putting cash into a jar filled with money
Holy, Toledo!

Northwest Ohio savers should check out First National Bank’s special 47-month CD rates.

It’s paying 1.95% APY with a $5,000 minimum deposit of new money.

That beats the top nationally available 36-month CD rate on our CD Rates Leaderboard by more than four-tenths of a percentage point.

To qualify for this special, you must to invest new money, or funds not already on deposit at First National Bank. Click here to read more

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5 votes, average: 4.60 out of 55 votes, average: 4.60 out of 55 votes, average: 4.60 out of 55 votes, average: 4.60 out of 55 votes, average: 4.60 out of 5 (5 votes, average: 4.60 out of 5)
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Southern Banks Boost Checking Account Bonuses

Pen on a check

It’s the battle between South and South. Two big banks from Georgia and Alabama are devoting more cash to pursuing new customers.

In recent weeks, both SunTrust and Regions Financial have boosted the bonuses they’re offering if you open a new checking account.

SunTrust, the nation’s 17th-largest bank, is offering a $100 or $200 bonus, up from a previous maximum of $125.

To qualify, customers must go online and open an Everyday Checking account using the promo code FALL14CHECKING. Click here to read more

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There’s A New Top Bank In 36-Month CDs But Rates Still Stuck In Neutral

We’re still waiting for 36-month CDs to show the kind of improvement we’ve seen in longer-term investments.

Or any improvement, really.

The best deals on 5-year CDs are up more than a half point over the past year or so. We haven’t seen returns this lucrative since September 2011.

But the top nationally available 36-month CD rates are still 1.45% APY to 1.50% APY.

That’s right where they were this time last year and considerably less than you would have found in the fall of 2011.

Yes, there were those three glorious days at the end of September when Presidential Bank dangled that 1.75% deal in front of us. But it was the brief, off-the-wall exception that proved the rule — 3-year CD rates are stuck.

Only 3-month CDs have been as disappointing as 36-month CDs on our CD Rates Leaderboard.

Highest CD Rates Roundup For October 17

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.

Click here to read more

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5 votes, average: 4.20 out of 55 votes, average: 4.20 out of 55 votes, average: 4.20 out of 55 votes, average: 4.20 out of 55 votes, average: 4.20 out of 5 (5 votes, average: 4.20 out of 5)
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New Leader Emerges In 6-Month CDs After iGObanking Ends Standout Deal

The deal iGObanking was offering on 6-month CDs was always an outlier — and you just knew it wouldn’t last long.

So, when the online division of Flushing Bank, which has 17 locations in New York, lowered its rate from 1.00% APY to 0.15% APY today, we weren’t surprised.

We’d enjoyed that return for about a month and, hey, what could we expect? Investors worried about sluggish global growth are pulling out of stocks and piling into bonds right now, which is pushing interest rates down again.

The benchmark 10-year Treasury note yield dipped below 2% on Wednesday for the first time in 16 months before rallying back up to 2.16% this morning. (More on that later.)

iGObanking’s retreat returned former leader, Doral Bank Direct to our CD Rates Leaderboard.

The online operation of Doral Bank, the leading community bank in Puerto Rico, which also has five branches in northwest Florida and two in New York City, continues to pay 0.87% APY with a $500 minimum deposit. Click here to read more

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40-Month CD Special Targets Texans

Firstmark Credit Union’s special 40-month CD rate is a boon for San Antonio-area savers.

Its odd-term deal is paying 1.85% APY with a $500 minimum deposit.

Invest $50,000 or more, and you’ll earn a “super CD” rate of 1.90% APY.

That certainly beats the best nationally available deal on 3-year CDs, which is currently 1.51% APY on our CD Rates Leaderboard. Click here to read more

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7 votes, average: 3.86 out of 57 votes, average: 3.86 out of 57 votes, average: 3.86 out of 57 votes, average: 3.86 out of 57 votes, average: 3.86 out of 5 (7 votes, average: 3.86 out of 5)
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Stunning Far North Deal On 13-Month CDs

Northwoods Credit Union’s special 13-month CD rate is so good, you’ll wish you lived southwest of Duluth, Minnesota.

It’s paying 3.00% APY with a $1,000 minimum deposit.

Yep, you read that right.

The top nationally available 12-month CD rate on our CD Rates Leaderboard is a significantly lower 1.25% APY.

We honestly can’t recall a 12-month CD paying this much, which is why we decided to highlight a deal with a limited reach. Plus, this smaller credit union scores four out of five stars in Bankrate’s Safe and Sound rating system. Click here to read more

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3 votes, average: 5.00 out of 53 votes, average: 5.00 out of 53 votes, average: 5.00 out of 53 votes, average: 5.00 out of 53 votes, average: 5.00 out of 5 (3 votes, average: 5.00 out of 5)
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