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EverBank Ties For Best 3-Year CD Again

EverBank boosted its rate on 36-month CDs just one week after it cutting that return.

Go figure.

But by returning its yield to 1.50% APY from 1.44% APY, EverBank once again ties Synchrony Bank for the top nationally available deal on our CD Rates Leaderboard.

The Jacksonville-based bank has a dozen branches across Florida and requires a modest $1,500 minimum deposit for all of its certificates of deposit.

EverBank also increased the yield on its 60-month CDs from 2.10% to 2.23% APY today, while slightly lowering its 3-month return from 0.33% to 0.31% APY.

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New York Deal: 2.015% On 2-Year CDs

In these days of slowly recovering CD rates, 2.00% APY is considered a top-tier return for 48-month certificates.

Yet some lucky savers can earn that rate with just half the time commitment.

Wallkill Valley Federal Savings and Loan is paying 2.015% APY on its 24-month CDs, available to residents of Orange and Ulster counties in New York’s mid-Hudson Valley.

That’s a full two-thirds of a point higher than the top nationally available return of 1.35% APY on our CD Rates Leaderboard.

In fact, we haven’t seen a national deal this good since November 2010.

This certificate of deposit requires a $2,500 minimum deposit and must be purchased in-person at one of Wallkill Valley’s four branches, located in Wallkill, Milton, Highland Falls and Maybrook.

Highest CD Rates Roundup For March 6

Check out all of 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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Three Banks Now Offer Top 2-Year CDs

NexBank raised the return on its 24-month CDs to 1.35% APY today, tying it with two other banks for the best nationally available deal on our CD Rates Leaderboard.

The regional Texas bank with a single office in Dallas requires a $10,000 minimum deposit and had been paying 1.25% on its 2-year certificates of deposit since July.

For the last six weeks, CIT Bank and Synchrony Bank have been sharing the top spot at 1.35% APY, except for one day in February when Nationwide also offered the lead rate.

NexBank also boosted the yields on its 6-month CDs to 0.65% APY, and its 12-month CDs to 1.10% APY.

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Washington Deal: Four More Top CD Rates

Washingtonians may be among the luckiest savers right now, with not one but two credit unions offering chart-topping CD rates to all residents of the state.

As we told you about a month ago, HAPO Community Credit Union beats the top nationally available rate on four (yes, four) CD terms.

Well, so does Gesa Credit Union. It’s paying just five-hundredths of a point less on the same four terms:

  • 1.50% APY for 30-month CDs.
  • 1.70% APY for 36-month CDs.
  • 2.00% APY for 48-month CDs.
  • 2.50% APY for 60-month CDs.

With the best 36-month rate on our CD Rates Leaderboard currently pegged at 1.50% APY, Gesa allows you to either gain two-tenths of a point on a 36-month term, or shorten the maturity period by six months for a 1.50% yield.

Gesa’s 60-month return is also impressive against the top national rate of 2.25% APY. Click here to read more

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30-Year Mortgage Deal: 3.625%, No Points, No Fees In 18 States

Aurora Financial is offering one of late winter’s best deals on 30-year, fixed-rate mortgages in 18 states across the country.

It’s charging just 3.625% with no points, no lender fees and a 31-day rate lock.

Percentage signs falling on red house

That’s more than a quarter of a percentage point less than the national average for 30-year loans — 3.90%, according to our latest survey of major lenders.

The monthly principal and interest payment for this loan would be $456 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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Quorum FCU Offers Top Savings, CD Rates

You can earn one of the nation’s top returns on savings accounts and 15-month CDs from a New York-based credit union that allows anyone across the country to become a member.

Quorum Federal Credit Union has just bumped up the rate on its HighQ Savings account from 1.05% APY to 1.15% APY.

That beats the best bank rate on a nationally available savings account — 1.10% APY from UFB Direct.

But you need to have at least $25,000 in your account to earn that rate. Lower balances earn a measly 0.20% APY.

At Quorum, there’s no minimum deposit to open an account and no minimum balance for earning the full 1.15% APY. You can avoid the $5 monthly service fee simply by signing up for eStatements.

If that’s not enough, the Purchase, New York-based credit union is paying 1.65% APY on a 15-month certificate of deposit with a minimum deposit of $1,000.

That beats the top nationally available 12-, 24- and 36-month returns from the banks on our CD Rates Leaderboard. Click here to read more

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Sign Up Now For A $200 Checking Bonus

If you live in one of the dozen states where Fifth Third Bank operates, you can land a quick $200 bonus just by opening a new checking account, signing up for direct deposit and making a few bill payments online.

The Cincinnati-based bank is offering the bonus through April 4 on any of its five checking accounts.

But eAccess or Essential checking accounts make the most sense for most customers.

The eAccess Account is designed for those who don’t need to write checks and instead do all their banking online.

There’s no monthly service fee as long as you don’t write checks, receive direct deposits of at least $500 each month and get all of your statements online.

Essential Checking allows you to write paper checks. The top service fee is $11 a month, but you can get that waived if: Click here to read more

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CIT Purchase Of OneWest Generates Controversy at Los Angeles Hearing


I supported CIT Group’s proposed acquisition of OneWest Bank at a hearing in Los Angeles last week because I think it will be good for savers — or at least some savers.

But the deal took heavy flak at a public meeting held by two government regulators that must approve the deal, the Federal Reserve Board and the Office of the Comptroller of the Currency.

Opposition was expressed by an array of community action and consumer advocacy groups, as well as individual OneWest customers.

Their objections included assertions that:

  • The merger of online-based CIT Bank with Southern California branch-based OneWest, would create a new “too big to fail” institution (about $67 billion in assets) without any significant public benefit.
  • The track records and future commitments of the two banks in the areas of community-based lending under the Community Reinvestment Act are inadequate.
  • The merger fails to address and remedy certain heavy-handed foreclosure and reverse mortgage practices at OneWest.

Click here to read more

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Top Savings Accounts Pay Up To 1.10%

Eleven banks are now paying at least 1.00% APY on nationally available savings accounts, up from just four banks last February.

That trend toward more banks offering better returns on all types of deposits should continue with the Federal Reserve cautiously moving toward a decision to start pushing short-term interest rates higher this summer or fall.

Hand grabbing money out of a jar

Right now, you’ll get the biggest bang for your buck with UFB Direct, which is now paying 1.10% APY.

Unfortunately, that’s down from the 1.25% APY it paid from early October through February.

While you won’t be charged any monthly maintenance fees, you must keep at least $25,000 in your account to earn the top rate.

Lower balances are paid just 0.20% APY by this division of BofI Federal Bank in San Diego.

You’ll earn a little less interest but need a lot less cash to open an account with Incredible Bank.

The online division of River Valley Bank, which has 16 branches in Wisconsin and Michigan, has a return of 1.07% APY and a minimum deposit of $2,500 to open an account. Click here to read more

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