bank rates

1-Year CD Rates Roundup: Earn 1.60% Nationally, 1.69% Locally

piggies in the round

The top nationally available return on 1-year certificates of deposit is currently 1.60% APY, higher than you could have earned at this time last year.

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

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5-Year CD Rates Roundup: Take Home 2.35% Nationally, 2.61% Locally

Looking for the best 5-year CD rates? Right now the best you can earn nationally is 2.35% from Synchrony Bank or Popular Direct.

Even though the Fed has been raising the prime rate, we haven’t seen it reflected much in certificates of deposit.

Still, it beats the 2.27% you could earn from the top 5-year CD rates last summer.

Fortunately, you can almost always find some better-than-average local deals.

And 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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KS StateBank Pays Top Deals On Jumbo CDs Nationwide

Don’t let the Kansas name fool you – KS StateBank‘s certificates of deposit are available nationwide.

And it’s offering top rates on jumbo CDs.

It’s currently paying 2.25% APY on a 5-year jumbo. All of its jumbo CDs are paying 1.55% APY or above.

When the Manhattan, Kansas-based bank implemented an online account opening system more than two years ago, it extended the availability of several deposit products to savers nationwide.

But it wasn’t until just a year ago that it offered any rates worth mentioning.

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Granite CU Offers Tough-To-Beat Deals 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 2.50% 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 promo rate on 30-month CDs — 1.80% APY. That’s better than you’ll find out of the top 2-year CD rate, 1.65% APY. And it’s nearly as good as the top 3-year CD rate, 1.90% 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:

 

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GS Bank Is Offering Top CD Rates

If you’re in the market for a CD, GS Bank is worth a look. It’s offering great deals on nearly every term.

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

GS Bank is offering 1.90% APY on 3-year CDs with a $500 minimum. That’s nearly as much as the leader, Barclays, which is paying 1.95% with no minimum.

You’ll also find that GS Bank is posting great deals on 2-, 4- and 5-year CD rates.

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

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Best Money Market Accounts for August 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 ableBanking Direct, which is paying 1.30% APY with a $250 minimum to open.

While ableBanking Direct requires a $250 minimum deposit to open, there’s no minimum to earn the APY.

ableBanking Direct is a division of Northeast Bank and operates 10 traditional offices throughout seven counties in Maine. But an account can be opened by anyone willing to provide their Social Security number and their existing bank account and bank routing number.
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Best National Savings Accounts for August 2017

Hand grabbing money out of a jar

After months of stagnation, we’re finally starting to see a rise in savings rates. At the top of the list of the best national savings accounts for August 2017 is Dollar Savings Direct, offering 1.40% APY with no minimum deposit and a $1 minimum balance to earn the APY.

Last month, Dollar Savings Direct was paying a tenth of a percentage point less, making Live Oak Bank the leader.

And before being ousted by Live Oak Bank, Palladian PrivateBank had been at the top of our list for months with its current bonus offer, paying 1.30% APY for the first six months after you open your account.

But after the promotional period ends, the rate returns to the regular rate, which currently is 0.90% APY. That gives you a combined annual return of 1.10%.

Now there are five banks in total offering 1.30% APY or better on a savings account — DollarSavingsDirect, Live Oak Bank, Palladian Private, BankPurely and CIT Bank. Other than Palladian’s offer, none of the deals are promotional — you earn a straight 1.30% APY or better on your balance.

 

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Best Checking Account Offers for August 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 of August 2017:

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Check Out Navy Federal Credit Union’s 12-Month CD Special

spigot_dollar_symbols

Navy Federal Credit Union is currently offering a 12-month CD special that’s certainly worth checking out. It’s a bonafide winner for military-affiliated savers across the country, as well as their families.

Navy Fed is currently paying 3.00% APY on special 12-month certificates, with a minimum $50 deposit.

Compare that with the 1.56% APY you can earn from the top nationally available 1-year certificate or the 5-year term it takes to earn 2.35% APY.

The one catch is that this certificate has a maximum investment of $3,000.

Membership in Navy Fed is open to savers who are affiliated in any way with the Armed Forces, the U.S. Department of Defense or the National Guard. This includes regular active duty and reservists in the Army, Navy, Air Force, Marine Corps and Coast Guard, as well as Army and Air National Guard personnel.
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