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Bank Offering Top Savings Account Rate Will No Longer Open New Accounts

If you were waiting to open a savings account at The Palladian PrivateBank (www.palladianprivatebank.com), you’ve waited too long.

The Chicago-based bank, which had been offering a far higher nationally available yield than any other bank, this week stopped offering new savings accounts.

Existing accountholders will continue to earn 1.25% APY, guaranteed through the end of January.

That means CSBdirect (www.csbdirect.com) now offers the top deal at 1.06% APY on balances of $10,000 or more. CSBdirect is the online division of Citizens State Bank in Perry, Fla., which has three locations in North Florida.

But the news on savings accounts isn’t completely grim. Click here to read more

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Highest CD Rates Roundup For Sept. 19

Bringing you the very best CD rates from credit unions and local banks.Three-year CD rates are on the move.

Less than a week after we lamented that 36-month CDs had showed no upward momentum in 2014 while other terms had sprung to life, two banks have raised rates.

First, State Farm Bank, the online bank owned by the big insurance company. Then EverBank, the primarily online bank with 11 Florida branches increased its rate today. Click here to read more

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The Blue Dots, Revisited

rates increaseFed-watchers were hoping the Federal Open Market Committee would offer a new signal this week that it’s getting ready to raise a key interest rate.

The central bank disappointed.

Signaling instead that it is in no hurry, the committee opted to maintain its policy of holding rates near zero for a “considerable time.”

But there were subtle changes to the FOMC’s blue dots, the only measure of the Fed’s thinking on this issue you should pay attention to. Click here to read more

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Texas Deal: A Whopping 5% Checking Rate

texas quarterEverything really is bigger in Texas.

Citizens State Bank, headquartered about 100 miles southeast of Dallas, pays a whopping 5% APY on its rewards checking account. It’s available to all Texas residents, but you must open this account at a branch.

We haven’t seen a rate like this — anywhere — in years and years. Click here to read more

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State Farm Bank Now Owns Top 3-Year CD

State Farm Bank has broken through the 36-month CD logjam.

In raising rates, the online bank of the insurance company now offers the highest yielding nationally available 3-year bank CD in nearly a year.

With a $500 minimum deposit, State Farm Bank (www.statefarm.com) pays 1.50% APY. A bank last topped our CD Rates Leaderboard with a yield this high in October 2013. Click here to read more

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Iowa Deal: 14-Month CD Pays 1.4%

Iowa quarterJust a few years ago, Iowa was a hotbed of strong CD rates. But that’s slowed down, making Premier Credit Union’s special 14-month CD rates a boon for Des Moines-area savers.

It pays 1.40% APY with a $10,000 minimum deposit.

That beats the top nationally available 12-month offer on our CD Rates Leaderboard, which recently rose to 1.25% APY. Click here to read more

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iGObanking Pushes 6-Month CD Up To 1%

iGObanking is up to its old tricks again.

The online division of Flushing Bank, which has 17 locations in New York, has a maddening CD pricing strategy in that it will offer an outstanding rate on one term or more, only to cut the offer quickly to some very low rate.

In the first week of September, it offered a 1% APY 6-month certificate of deposit, only to slash the rate to 0.15% APY within a day or so. Click here to read more

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22-Month CD Pays 2% In New York

New York state quarterWestern New York savers should check out Family First Federal Credit Union’s special 22-month CD rates.

It pays 2.00% APY with a $500 minimum deposit.

That beats the top nationally available 24-month offer on our CD Rates Leaderboard by nearly a half percentage point. Click here to read more

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Things You Might Own: Apple Gadgets. Things You Probably Don’t: Apple Stock.

Poll QuestionYou are more likely to own a cat than a share of stock in a company.

This, according to a recent CNNMoney story about Americans’ reluctance to dive into the stock market.

The article uses recent Federal Reserve statistics, which state that less than 14% of families own individual stocks — 13.8% to be exact, down from about 18% pre-recession. Click here to read more

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