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Best Illinois CD Rates

Douglas — Fri, 30 Jul 2010 09:16:24 +0000

A list of the Best Illinois CD rates only includes the financial institutions that are local community banks. Morton Community Banks is such a financial institution. They have 28 branch offices located in 20 different towns in the heart of Illinois. This bank has two special CD’s to offer their customers.

There are two different APY’s for every CD with this bank. The first is for deposits under $100,000 and the second for deposits over $100,000. The 9 month special CD has an APY of 1.11% and 1.17%. The 17 month special CD has an APY of 1.51% and 1.57%. Both of these require a minimum deposit of $10,000. These rates are good until August 4, 2010.

The First Suburban National Bank in the Chicago area first opened its doors in 1943. They offer 3 special CD rates and terms. The 12 month CD has an APY of 1.48%. The 18 month has an APY of 1.64% and the 24 month has an APY of 1.90%. Each of these requires a minimum of $500 deposit. These CD Rates were posted on July 26, 2010 and were still current as of July 30, 2010.

Another bank for the Chicago area is the national Republic Bank of Chicago. Their 182 day CD has an APY of 1.00%. The 1 year CD has an APY of 1.36% and the 18 month CD has an APY of 1.51%. Each of these CD’s requiring a deposit of $1000 and the rates were posted on July 27, 2010 and were still current as of July 30, 2010.

These are some of the Best Illinois CD rates from local community banks that are available at this time.

For additional resources about CDs on this website, please view Tampa Florida CD Rates. On our other sister sites, there is information on mortgage loans at on Bump Up CDs Guide.

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.

Tampa Florida CD Rates

Douglas — Thu, 29 Jul 2010 10:50:01 +0000

These Tampa, Florida CD rates are from the local financial institutions that are available, this the last week in July 2010. Tampa is situated on a bay and the financial institutions discussed below are from both sides of the bay.

Heritage Bank of Florida is a community bank on the west side of the bay. This is an independent community bank serving the needs of the bay area since 1999. They have a 3 year CD with an APY of 2.28%. The 2 year CD has an APY of 2.02% and the 18 month CD has an APY of 1.77%. Each of these CD’s require a minimum deposit of $1000.

The 1 year CD from Heritage has an APY of 1.51%. The 9 month CD has an APY of 0.90%. The 6 month CD has an APY of 0.75% and the 3 month CD has an APY of 0.40%. Each of these CD’s require a minimum deposit of $500. These CD Rates were posted on March 24, 2010 and were still effective as of July 29, 2010.

The Bay Cities Bank is located in Tampa itself. This is a community bank that first opened its doors in 1999. Their motto is when you’ve outgrown the big banks come to Bay Cities Bank. This bank has a 5 year CD with an APY of 3.00%. The 3 year CD has an APY of 2.00%. The 30 month CD has an APY of 1.85%. The 2 year CD has an APY of 1.70%.

The 18 month CD has an APY of 1.25%. The 15 month CD has an APY of 1.20%.the 1 year CD has an APY of 1.15%. The 6 month CD has an APY of 0.85% 3 month CD has an APY of 0.75%. All of these CD’s require a minimum deposit of $1000. The rates were posted on July 26, 2010 and were still current as of July 29, 2010.

These are just a few of the Tampa, Florida CD rates available for investors.

For additional resources about CDs on this website, please view Wells Fargo CD Rates Review. On our sister sites, there is information on mortgage loan

Wells Fargo CD Rates Review

Douglas — Wed, 28 Jul 2010 11:23:12 +0000

This Wells Fargo CD Rates Review is about a financial institution that now includes Wachovia as part of the family. This bank has held the American consumers trust ever since the days of the 6 horse stage coach and is still a solid financial institution today.

The special CD offers at this time include the 9 month CD with an APY of 0.35% that renews at a 6 month term. The 23 month CD has a 0.90% APY that renews at a 12 month term. The 33 month CD has an APY of 1.40% that renews at a 24 month term.

The 45 month CD has an APY of 1.90% that renews as a 36 month term and the 58 month CD has an APY of 2.40% that renews as a 48 month term. Each of these special offers requires a deposit of $5000 to open an account. These special rates are only good for the initial term of the deposit and were posted on July 24, 2010.

The Standard CD rates that were posted on July 24, 2010 are as follows. The 3 month CD has an APY of 0.10%. The 6 month CD has an APY of 0.15% and the 1 year CD has an APY of 0.20%.

With each CD there is a seven day grace period at its maturity to withdraw the funds or the deposit will automatically renew at the same term unless otherwise stated.

This is the Wells Fargo CD Rates Review for July 2010.

For additional resources about CDs on this website, please view Citizens Bank CD Rates. On our other sister sites, there are more CD rates on Buffalo New York CD Rates and TD Bank Best CD Rates.

Citizens Bank CD Rates

Douglas — Tue, 27 Jul 2010 11:07:46 +0000

The Citizens Bank CD rates are from a well established financial institution that got its start back in 1828. Originally this bank was called High Street Bank and was based out of Providence Rhode Island. Today they have 1500 branch offices in 12 states with over 3500 ATM’s for their customers to use free of charge.

Because this bank is so large there are times, the rates of various products will change from state to state. These CD Rates are for the Philadelphia area and were posted on July 27, 2010. This bank deploys a tier rating for their rates. The first is the standard rate. The second rate is for Circle Banking customers and the last is for Circle Gold Banking customers.

The 1 year CD has APY’s of 0.50%, 0.75% and 1.00%. The 15 month CD has APY’s of 0.75%, 1.00% and 1.25%. The 2 year CD has APY’s of 1.00%, 1.25% and 1.50%. The 3 year CD has APY’s of 1.25%, 1.50% and 1.75%. The 5 year CD has APY’s of 1.35%, 1.60% and 1.85%.

The minimum balance to open a CD is $1000. If it is an IRA account the minimum is $250.

To qualify for a Circle Gold Banking rates a person must have a Circle Gold Checking and Circle Gold Savings account open. To qualify for a Circle Banking rates the customer must have a Circle Checking and Circle Savings accounts open with Citizens Bank.

These are the current Citizens Bank CD rates available for the Philadelphia area at this time. All rates are subject to change without notice.

For additional resources about CDs on this website, please view Best Canada CD Rates. On our other sister site, there is the Best Australia ETFs for an additional resource on bank rates.

Best Canada CD Rates

Douglas — Mon, 26 Jul 2010 11:04:15 +0000

When looking for the best Canada CD rates, the investor should look for GIC rates. This is Guaranteed Investment Contracts which is the Canadian version of Certificates of Deposits.

There is an online company named GICDirect that has the best posted rates. Their 5 year GIC has an annual interest of 3.55%, monthly pay of 3.40% and a RRSP/RPIF of 3.55%. The 4 year GIC has an annual interest of 3.30%, monthly pay of 3.10% and a RRSP/RPIF of 3.30%. The 3 year GIC has an annual interest of 2.95%, monthly pay of 2.85% and a RRSP/RPIF of 2.95%.the 2 year GIC has an annual interest of 2.46%, monthly pay of 2.35% and a RRSP/RPIF of 2.50%.

The 1 year GIC has an annual interest of 2.00%, monthly pay of 1.85% and a RRSP/RPIF of 2.00%. These rates were posted on July 26, 2010. In the fine print a stament does read the rates vary depending on where the depositor is located. There is no mention of what the minimum deposit is to open an account.

The second best CD rates or GIC rates are from HSBC. The minimum deposit is $1000 for an annual or semiannual fixed rate and the rates were posted on June 17, 2010. The 5 year GIC has an annual interest of 2.25%. The 4 year GIC has an annual interest of 1.45%. The 3 year GIC has an annual interest of 1.30%. The 2 year GIC has an annual interest of 1.00%. The 1 year GIC has an annual interest of 0.75%.

The variation between the 2 best Canada CD rates of GIC rates is large. Invest with caution.

For additional resources about CDs on this website, please view Where To Find The Best CD Rates. On our other sister site, there is the Best Savings Accounts Update for an additional resource on bank rates.

Where To Find The Best CD Rates

Douglas — Fri, 23 Jul 2010 10:47:11 +0000

When trying to determine where to find the best CD rates, research and readiness are the best tools you can arm yourself with. If you want your money to work optimally for you, make sure that you are getting the best rates possible. CD rates are structured by the current interest rates and the terms, or length of contract, of the CDs.

You will need to shop around to find the best rate you can get for your money. Investigate different bank CD rates at the current moment. Many banks advertise but the rates can change daily, or may even be different per area or state, so be prepared for a different rate to be offered than the ones advertised.

If you do not trust the big national banks, try checking your local banks and credit unions to see if anybody is having a special promo. Institutions needing to get deposits on the books quickly know that one of the best ways to do this is to offer the best CD rate available locally. These are normally advertised in banners and in newspapers. Credit union members are the shareholders of the institution so they get their share of the business by way of higher deposit rates and lower loan rates than most banks.

Do not hesitate to use internet banks. Online only banks usually offer some of the best CD rates all the time. They have lower overhead than the brick and mortar banks so they can pass the savings on to you. These people do a great job of searching out the best CD rates and spreading the word about what they find.

If you have an established relationship with a financial institution, see what they will offer you. As a valued customer, you may be able to get a better rate than a walk in. You may need to meet a minimum investment requirement but if you can afford it, take advantage. Sometimes it helps to consolidate your business with fewer providers.

Finally, check some of the personal finance blogs on the Web. These people know where to find the best CD rates and do a great job at spreading the word.

For additional resources about CDs on this website, please view Best CD Rates – Week of July 19. On our other sister site, there is the Best California Banks for an additional resource on CD rates.

Best CD Rates – Week of July 19

Douglas — Thu, 22 Jul 2010 10:17:18 +0000

The best CD rates, week of July 19, come from credit unions, so might want to check your eligibility in their respective websites should you wish to invest.

To earn the stated APY, Melrose Credit Union from New York requires a minimum of $5000 for their Share Certificates (SC), the equivalent of a bank’s certificate of deposit (CD). The 1 Year SC has an interest rate of 1.75% with an APY of 1.76%. The 2 Year SC has an interest rate of 2.00% with an APY of 2.02%. The 3 Year SC has an interest rate of 2.50% with an APY of 2.52%. The 4 Year SC has an interest rate of 2.75% with an APY of 2.78%. The 5 Year SC has an interest rate of 3.25% with an APY of 3.29%. These rates were posted June 30, 2010 and are still current and effective as of July 22, 2010.

The Police and Fire Federal Credit Union out of Philadelphia also have very good CD rates and even better rates in some terms than Melrose. The PFFCU requires a minimum of $500 to acquire APY. The 1 year SC has an interest rate of 1.40% with an APY of 1.40%. The 2 year SC has an interest rate of 1.99% with an APY of 2.00%. The 3 year SC has an interest rate of 2.96% with an APY of 3.00%. The 4 year SC has an interest rate of 3.45% with an APY of 3.50%. The 5 year SC has an interest rate of 3.93% with an APY of 4.00%. View other monthly terms and rates in their website. These rates were posted July 15, 2010 and are still current and effective as of July 22, 2010.

Fort Knox Federal Credit Union of Kentucky requires a minimum of $500 for their CDs. They have CD Specials with the 23 Month CD which has an APY of 2.30% and the 14 Month CD Special which has an APY of 1.75%. The 5 year CD has an APY of 3.00%. View other terms and rates in their website. These CD rates were posted July 14, 2010 and are still current and effective as of July 22, 2010.

These are the current best CD rates, week of July 19.

For additional resources about CDs on this website, please view Discover Bank CD Rates Update. On our other sister site, there is the Capital One Direct Bank for an additional resource on CD rates.

Discover Bank CD Rates Update

Douglas — Wed, 21 Jul 2010 12:26:38 +0000

The Discover Bank CD rates update comes from one of the most recognized brands in U.S. financial services. Discover revolutionized the credit card industry which it unveiled nationally during the 1986 Super Bowl. Today, it is not only one of the leading credit card issuer and electronic payment services company but also one of the reputable banking institutions in America with a global payments network acceptance in 185 countries and territories.

Discover Bank’s CDs require a minimum balance of $2500 to earn the posted APY. Their 3 Months CD has an interest rate of 0.65% with an APY of 0.65%. Their 6 Months CD has an interest rate of 1.14% with an APY of 1.15%. Their 9 Months CD has an interest rate of 1.14% with an APY of 1.15%. Their 12 Months CD has an interest rate of 1.49% with an APY of 1.50%. Their 18 Months CD has an interest rate of 1.59% with an APY of 1.60%. Their 24 Months CD has an interest rate of 1.88% with an APY of 1.90%. Their 30 Months CD has an interest rate of 2.03% with an APY of 2.05%.

Their 3 Years CD has an interest rate of 2.23% with an APY of 2.25%. Their 4 Years CD has an interest rate of 2.42% with an APY of 2.45%. Their 5 Years CD has an interest rate of 2.96% with an APY of 3.00%. Their 7 Years CD has an interest rate of 3.20% with an APY of 3.25%. Their 10 Years CD has an interest rate of 3.44% with an APY of 3.50%. These CD rates were posted on July 20, 2010 and are still current and effective July 21, 2010.

Like in every bank, this Discover Bank CD rates update is subject to change without notice.

For additional resources about CDs on this website, please view Flagstar 1 Year CD Rates. On our other sister site, there is the American Express ZYNC Card Review for an additional resource on CD rates.

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.