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Earn 1.3% APY with the Ally Online Savings Account

Posted by: RateAPY Bank Rates News
March 10th, 2010

Interest Rates Set to Rise?
It’s good to hear so many economists agreeing that interest rates are likely to rise later this year. At last savers may get a worthwhile return on their investments.
But that news may put you off tying up your money at today’s low interest rates. And you may well wish to keep ... Read more »

EverBank Yield Pledge Money Market Account at 2.25% APY for New Customers

Posted by: RateAPY Bank Rates News
March 9th, 2010

Many Americans choose a money market account as the best place to keep their money safe while earning interest. Money market accounts can be a great vehicle for emergency funds since you can keep this cash separate from your day-to-day fund yet retain immediate access.
EverBank’s Yield Pledge Money Market Account promises ... Read more »

Five-Year Certificate of Deposit from Patriot Bank Yields 3.5% APY

Posted by: RateAPY Bank Rates News
March 8th, 2010

Certificates of Deposit and Difficult Choices.
It’s never easy deciding on the term of a new certificate of deposit. Those high CD rates that come with a long-term investment are tempting. But suppose interest rates in general suddenly shoot up, and you’re left with your money languishing for years to ... Read more »

Southern Funding Alliance Offers 30-Year Fixed-Rate Mortgage at 4.825% APR

Posted by: RateAPY Bank Rates News
March 5th, 2010

Low interest rates are encouraging homeowners across the country to apply to refinance their home loans, while home purchasers are finding they can afford a higher mortgage amount because the interest charges are so low.
To get the best mortgage product for your needs, be sure to compare the fees and discounts points charged ... Read more »

Banks Under New Regulations Regarding Overdraft Fees

Posted by: RateAPY Bank Rates News
March 4th, 2010

More and more, consumers are using their debt cards for purchases instead of paper checks or cash. Debit cards work a lot like a credit card, only the purchase amount is immediately deducted from the customer’s checking account. If there is an insufficient balance in the checking account to cover the purchase, banks usually approve ... Read more »

Discover Bank’s Five-Year Certificate of Deposit Offer at 3.10% APY

Posted by: RateAPY Bank Rates News
March 4th, 2010

A certificate of deposit (CD) can be the best savings vehicle for someone with a specific goal in mind. If you want to start grad school in September or take a ski vacation in January, you can choose a CD which matures right when you will need the money.
Discover Bank’s Five-Year ... Read more »

Integrity First Financial Group Has 30-Year, Fixed-Rate Mortgages at 4.875% (4.928% APR)

Posted by: RateAPY Bank Rates News
March 3rd, 2010

Home Mortgage–Time to Act
There’s a growing consensus among financial journalists that if you’re thinking of refinancing or buying a home, now is the time. At the end of February, the New York Times advised: “… now’s a good time to refinance to a fixed-rate mortgage.” A few days later, the ... Read more »

Mortgage Deliquencies Are Up, Again

Posted by: RateAPY Bank Rates News
March 2nd, 2010

Mortgage delinquencies rose 21 percent from January 2009 to January 2010 according to Equifax. The main cause for the increase is unemployment which is now about 9.7%. Small businesses are normally the chief combatant against unemployment, but with credit tight, many small businesses are not able to answer the call of duty.
Mortgage Delinquencies Lead to ... Read more »

FNBO Bank Savings Account at 1.25% APY

Posted by: RateAPY Bank Rates News
March 2nd, 2010

An old-fashioned savings account can be the best place to keep your emergency fund money or to save money for a specific goal. Your savings are best kept separate from your regular checking account so that you are less tempted to reach into the account for extra spending money. Financial experts suggest that ... Read more »

Receive 1.16% APY with a Zions Bank Money Market Account

Posted by: RateAPY Bank Rates News
March 1st, 2010

Money Market Interest Rates
According to the Zions Bank web site, the national average interest rate paid on money market accounts was 0.09% APY back on September 3, 2009, when its figures were compiled. Imagine the poor (literally!) people who have their savings in a below-average account.
Zions Bank Offers Better ... Read more »