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Flagstar 1 Year CD Rates

Douglas — Tue, 20 Jul 2010 12:34:41 +0000

The Flagstar 1 Year CD rates are currently at 1.55% APY. This is for the 12 month term CD that was opened online. The minimum amount of deposit required to obtain this APY is $500. The rates were posted on July 20, 2010 and are subject to change without notice.

There are two other 12 month CDs offered by Flagstar. The first is the Smart Choice 12 month Fixed CD. This CD can be obtained through any of the Flagstar branch offices. The APY for this CD has a fixed APY rate of 1.50%.The minimum deposit for this CD is $500. This rate was also posted on July 20, 2010 and is subject to change without notice.

The last of the 12 month CDs is the Smart Choice 12 month Variable. This has a variable rate of 1.35% APY. This CD rates was posted on July 20, 2010 and the minimum deposit required to obtain the posted APY is $500.

All of the deposits with these CD rates are insured by the FDIC up to $250,000. To find these rates, the Flagstar website does require a zip code. But with each zip code entered, the same rates appeared. This leads one to believe these are the national rates available in most areas of the country.

The headquarters of Flagstar is in Troy, Michigan. They received their federal charter in 1987 and have 165 branch offices in Michigan, Indiana, and Georgia.

The Flagstar 1 Year CD rates offered via the internet at 1.55% APY is currently the best 1 year CD rate in the nation for the week of July 19 2010.

For additional resources about CDs on this website, please view Best CD Rates – Week of July 12. On our other sister site, there is the Best 5 Year CD Rates for an additional resource on CD rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember – the bigger the risk, the larger the reward or loss. Invest with caution.

Best CD Rates – Week of July 12

Douglas — Mon, 19 Jul 2010 11:49:30 +0000

The best CD rates, week of July 12, 2010 from a bank for a 1 year or 12 month CD was at an APY of 1.55%. There were three financial institutions across the nation that made this offer. The first one is Salle Mae. They offer a 12 month CD with an APY of 1.55% with no minimum deposit, no fees, and no hidden charges. The rates were posted on July 6, 2010 and were still current as of July 19, 2010. They also offer a 36 month CD at 2.40% APY, and a 60 month CD at 3.00% APY. While not the best, they are very close to it.

Harris Bank is based in the Chicago area but serves the nation. They had a 12 month CD that was at 1.55% APY last week but effective July 16, 2010 the 12 month CD has been reduced to 0.65% with a minim deposit of $5000.

Flagstar is the third financial institution with a 12 month CD at a rate of 1.55% APY. This is with a minimum deposit of $500, and is still current as of July 19, 2010. There 36 month CD is at 2.35% APY, which is good but not the best.

When looking to Credit Unions, the best CD rates are from Melrose CU and are called Shared Certificates (SC). They have a 1 year SC at 1.76% APY. The 2 year SC is at 2.02%. The 3 year SC is at 2.52%. The 4 year SC is at 2.78% and the 5 year SC is at 3.29% APY. This is with a minimum deposit of $500. The rates were posted on June 30, 2010 and were still current as of July 19, 2010.

These are the best CD rates, week of July 12, 2010 from financial institutions that post their rates readily on the internet.

For additional resources about CDs on this website, please view M&T CD Rates. On our other sister site, there is the Socially Responsible ETF List for an additional investment resource.

M&T CD Rates

Douglas — Fri, 16 Jul 2010 09:51:23 +0000

With the M&T CD rates comes the trust and confidence of a financial institution that has been serving the community since 1856. Today, there are over 750 branch offices in the states of Pennsylvania, New York, Virginia, West Virginia, Delaware, Maryland, New Jersey, and Washington DC to better serve their customers.

The current promotional CD rates are associated with the following terms. The Promo 6 month CD has an APY of 0.50%. The Promo 12 month CD has an APY of 1.10%. The Promo 18 month CD has an APY of 1.25%. The Promo 24 month CD has an APY of 1.25%. The Promo 36 month CD has an APY of 1.75%. The Promo 60 month CD has an APY of 2.00%.

The Select 6 month CD has an APY of 0.35%. The Select 12 month CD has an APY of 0.85%. The Select 18 month CD has an APY of 0.85%. The Select 24 month CD has an APY of 1.01%. The Select 36 month CD has an APY of 1.01%.

There is a requirement for a customer to have a Select Checking Account or Select Checking Account with Interest to open a Select CD account. The minimum amount of deposit to open a CD is $1000 but the minimum amount to obtain the advertised APY is $1.00. These rates were posted on January 15, 2009, and are still current as of July 16, 2010.

The M&T CD rates stated above are for the Philadelphia area. Other areas may have different rates, so check with your local branch office for more information.

For additional resources about CDs on this website, please view Police and Fire Federal Credit Union CD Rates. On our other sister sites, there are AIG Bank CD Rates and Rochester New York CD Rates for additional resources on CD rates.

Police and Fire Federal Credit Union CD Rates

Douglas — Thu, 15 Jul 2010 11:38:40 +0000

The Police and Fire Federal Credit Union CD rates are from a financial institution that has a primary focus on loans and deposits. They are dedicated to providing their members with service, value, and convenience.

The following CD rates were posted on July 8, 2010 and are still current as of July 15, 2010. The CDs at this financial institution are called a Shared Certificate (SC) since it is a credit union. The 5 year SC has a dividend rate of 3.93% and an APY of 4.00%. The 4 year SC has a dividend rate of 3.45% and an APY of 3.50%. The 3 year SC has a dividend rate of 2.96% and an APY of 3.00%. The 30 month SC has a dividend rate of 2.48% and an APY of 2.50%. The 2 year SC has a dividend rate of 1.99% and an APY of 2.00%. The 18 month SC has a dividend rate of 1.49% and an APY of 1.50%.

The 15 month SC has a dividend rate and an APY of 1.45%. The 1 year SC has a dividend rate and an APY of 1.40%. The 9 month SC has a dividend rate and an APY of 1.35%. The 6 month SC has a dividend rate and an APY of 1.25%. The 3 month SC has a dividend rate and an APY of 1.20%.

There is a penalty for early withdraw. For more information on this subject, please check out PFFCU’s “Truth in Savings Brochure”. To receive the stated APY rates, the dividends must remain in the account for the term of the certificate.

These are the current Police and Fire Federal Credit Union CD rates available to members at this time.

For additional resources about CDs on this website about another state, please view PNC CD Rates Update July. On our sister site, there is Natural Gas ETF List for an additional resource on a popular financial institution.

PNC CD Rates Update July

Douglas — Wed, 14 Jul 2010 10:46:47 +0000

This is a PNC CD Rates Update July for their promotional certificates of deposit. These CD rates are accurate as of July 14, 2010 for the Philadelphia area.

The 36 month callable CD has an interest rate of 1.74% and an APY of 1.75%. This CD requires a minimum deposit of $10,000.

The 60 month callable CD has an interest rate of 2.47% and an APY of 2.50%. This CD also requires a minimum deposit of $10,000.

The 9 month fixed term CD requires a minimum deposit of $1000. With a Choice/ Premium Plan account, the interest rate is 0.47% and the APY is 0.47%. With a Performance/Performance Select checking account, the interest rate is 0.50% and the APY is 0.50%. Without an approved account, the CD has an interest rate of .045% and an APY of 0.45%.

The regular CDs have rates for the following terms. The 120 month CD has an APY of 1.95%. The 60 month CD has an APY of 1.50%. The 48 month CD has an APY of 1.20%. The 36 month CD has an APY of 1.05%. The 24 month CD has an APY of 0.80%. The 18 month CD has an APY of 0.70%.

The 12 month CD has an APY of 0.60%. The 6 month CD has an APY of 0.25%. The 3 month CD has an APY of 0.15%. Each of these CDs requires a minimum deposit of $1000.

The 1 month CD has an APY of 0.10% and requires a minimum deposit of $5000.

This is the current list for PNC CD Rates Update July. All rates are accurate as of July 14, 2010.

For additional resources about CDs on this website about another state, please view Columbia Bank CD Rates. On our sister site, there is Best Dallas Banks for an additional resource on a popular financial institution.

Columbia Bank CD Rates

Douglas — Tue, 13 Jul 2010 13:13:59 +0000

The Columbia Bank CD rates have an association attached to them. To receive the best rates from this financial institution, a new or existing personal checking account with direct deposit must be present in order for the customer to receive the advertised APYs.

The Columbia Bank has been serving their community since 1998, and at the present time has 41 branch offices, with 44 ATM machines, for their customers’ convenience.

The current relationship CD rates are for the following terms. The 60 month CD has an interest rate of 2.96% and an APY of 3.00%. The 35 month CD has an interest rate of 2.23% and an APY of 2.25%. The 22 month CD has an interest rate of 1.49% and an APY of 1.50%. The 15 month CD has an interest rate of 1.14% and an APY of 1.15%. The 9 month CD has an interest rate of 0.65% and an APY of 0.65%.

The regular CD rates are for the following terms. The 60 month CD has an APY of 2.75%. The 48 month CD has an APY of 1.25%. The 36 month CD has an APY of 1.25%. The 35 month CD has an APY of 2.00%. The 24 and 23 month CDs each have an APY of 1.00%. The 22 month CD has an APY of 1.25%. The 18 month CD has an APY of 0.90%. The 13 month CD has an APY of 0.60%. The 12 month CD has an APY of 0.75%. The 9, 6, and 3 month CDs have an APY of 0.50%.

The minimum deposit for every CD at this financial institution is $500. The Columbia Bank CD rates are current as of July 13, 2010.

For additional resources about CDs on this website about another state, please view Best CDs for Retirees. On our sister site, there is Best Dallas Banks for an additional resource on a popular financial institution.

Best CDs for Retirees

Douglas — Wed, 07 Jul 2010 11:28:54 +0000

Knowing which are the best CDs for retirees is dependent on their plans for the future. At the present time, with the Federal Reserve keeping the interest rates artificially low, investing in CDs for the long term or with long term certificates is not a very wise move. The main reason is that with the long term rates so low, inflation will negate any earnings.

Finding the best CD rates for your hard earned money is tricky. Establishing a CD ladder is the best way to take advantage of any rate change while earning what is presently being offered. This way, there would be a constant flow of CDs maturing at predetermined intervals.

If you are just starting to form a CD ladder, then you would need to purchase a 1, 2, and 3 year CDs. This 3 rung ladder would have a CD maturing every year so access to your money would be readily available without any penalty. When the CD matures, then you can reinvest it in another 3 year CD or spend it. Reinvesting it would keep the ladder going.

This same concept can be done with a 6 month, 1 year, and 18 month CD to have even more access to your funds. This would give the opportunity to invest in a better rate CD as soon as the rates start to increase.

When looking for which institution to invest with, shop around. Many banks and credit unions have good rates, but one generally stands out above the other rates with each financial institution. With a CD ladder, the CDs on each rung can be with a different financial institution. Do not have the mindset to stick to just one bank because you “have always done your banking with them.” If you do so, you could miss out on better earnings through better rates offered by other banking institutions.

Shop around for the best CDs for retirees. It is your money, get the most from it.

For additional resources about CDs on this website about another state, please view Iowa CD Rates. On our sister site, there is Best Bank Bonuses for an additional resource on a popular financial institution.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

Iowa CD Rates

Douglas — Tue, 06 Jul 2010 11:49:31 +0000

Local Iowa residents are searching Iowa CD rates in order to arrive at a decision on an investment to help them increase their rate of return. It is wise to have a diversified portfolio such as CDs, in addition to having money in a savings account. Although savings accounts are a very important tool to keep some assets liquid, your money will not be living up to its fullest earning potential. Below are some of Iowa’s present rates.

Established 83 years ago, Pocahontas State Bank has premium interest rates on their CDs and will require $10,000 to obtain these APYs. The 12 months CD has an interest rate of 1.60% with an APY of 1.61%. The following CD terms only require $500 to obtain the APY. The 30 months CD has an interest rate of 2.35% with an APY of 2.36%. The 60 months CD has an interest rate of 3.00% with an APY of 3.03%. These rates were posted April 22, 2010 and are still current and effective July 6, 2010. Other CD terms and non-premium rates are also available.

Capitol View Credit Union was organized in 1944 by employees of the United States Employment Service. Members need to deposit $10,000 to obtain a premium rate for their certificates. Their 12 month CD has an interest rate 1.55% with an APY of 1.56%. The 36 month CD has an interest rate of 2.75% with an APY of 2.78%. The 60 month CD has an interest rate of 3.00% with an APY of 3.03%. Other CD terms and non-premium rates are also available. These rates were posted March 12, 2010 and are still current and effective July 6, 2010.

The Community Choice Credit Union – Central Iowa requires a $5000 minimum deposit for their CDs. Their 12 months CD has an interest rate of 1.45% with an APY of 1.46%. The 36 month CD has an interest rate of 2.40% with an APY of 2.42%. The 60 months CD has an interest rate 2.90% with an APY of 2.93%. These rates were posted March 19, 2010 and are still current and effective July 6, 2010.

Visit these institutions’ respective websites for other terms and CD rates. These Iowa CD rates may change without notice, so act fast if you find the rates acceptable to invest.

For additional resources about CDs on this website about another state, please view USA One Credit Union CD Rates. On our sister site, there is Highest CD Yields Texas for an additional resource on a popular financial institution.

USA One Credit Union CD Rates

Douglas — Mon, 05 Jul 2010 12:36:19 +0000

The USA One Credit Union CD rates are for what is termed Shared Certificates (SC). This financial intuition is a non-for-profit company that was formed in 1986 to serve 400 selective employer groups that presently has 11,000 members.

The best CD rates come from this CU is new short term step up CD. The minimum deposit is $10,000 for this 8 month CD. The first 4 months the APY is 0.90% and the last four months the APY is 2.00%. This is a combined total of 1.45% APY for the life of the CD. The interest is compounded monthly and this CD can be used as collateral to obtain a loan from the CU.

The other CD’s at this CU have a minimum deposit of $250. There rates are as follows. The 120 month CD has an APY of 3.10%. The 60 month CD has an APY of 2.80%. The 48 month CD has an APY of 2.50%. The 42 month CD has an APY of 2.40%. The 36 month CD has an APY of 2.30%. The 30 month CD has an APY of 1.75%. The 24 month CD has an APY of 1.70%.

The 18 month CD has an APY of 1.25%. The 12 month CD has an APY of 1.20%. The 12 month CD has an APY of 1.20%. The 9 month CD has an APY of 1.10%. The 6 month CD has an APY of 0.95% and the 3 month CD has an APY of 0.65%.

The USA One Credit Union CD rates that are stated above are accurate as of July 7, 2010.

For additional resources about CDs on this website about another state, please view Missouri CD Rates. On our sister site there is PNC Rewards Program for an additional resource on a popular financial institution

Missouri CD Rates

Douglas — Fri, 02 Jul 2010 12:33:53 +0000

The Missouri CD rates from the local banks are there to help those in their community to save as much as they can, in the smallest amount of time. Some financial institutions are now offering great rates on short term CDs only while not so good rates on the longer term. This is because more people are hoping the FED will finally come to their senses and start to allow the interest rate to rise.

An example of this is with Branson Bank. They are a state chartered bank owned and operated by Missourians who opened their doors in 2000. The 90 day CD has an APY of 1.26%. The 6 month CD has an APY of 1.51%. The 12 month CD has an APY of 1.71%. The 18 month CD has an APY of 1.86%. The 2 year CD has an APY of 2.02%. The 3 year CD has an APY of 2.27%, and the 5 year CD has an APY of 2.52%. These CDs require a minimum deposit of $1000. The rates were posted on January 8, 2010, and were still current as of July 2, 2010.

The CD Rates from the First Midwest Bank of Popular Bluff are better all round than others that specialize in a certain term area. Their 3 month CD has an APY of 1.00%. The 6 month CD has an APY of 1.41%. The 1 year CD has an APY of 1.66%. The 2 year CD has an APY of 1.91%. The 3 year CD has an APY of 2.37%. The 4 year CD has an APY of 2.62%, and the 5 year CD has an APY of 3.29%. Each of these CDs requires a minimum deposit of $1000 to open an account. These rates were posted on July 2, 2010.

These are two of the better Missouri CD rates offered by local financial institutions. For additional resources about CDs on this website about another state, please view Best Rhode Island CD Rates.