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| Investing & Banking stocks, bonds, banking interest rates, CDs and all other investment vehicles you want to talk about |
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Slightly off-topic, but sounds like a very good deal for Countrywide customers:
Bank Deals - Best Rates and Deals: 2% Cash Back Credit Card at Countrywide Bank with Savings Account |
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Looks like that leaves century bank direct as the market leader on rate w/ Provident Direct 25 basis points behind in second place.
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Umbrella lowered their rate to 3.4%
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Updates: Monday, April 21 APY drops -- OneUnited down from 4.00 to 3.60 SavingsSquare down from 3.50 to 3.25 Umbrella Bank down from 3.50 to 3.40 CapitalOne down from 3.10 to 3.00 Ultima Bank down from 2.90 to 2.75 Countrywide rate for accounts with $10K down from 4.50 to 4.00 APY increases -- ELOAN up from 2.75 to 3.00 KeyDirect up from 2.75 to 3.00 New additions -- OnBank at 3.49 Century Bank Direct at 3.61 See first page of this thread for complete listing and links, sorted by current APY. |
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poundwise: I think that that is interesting that there are 2 that have increased their APY's. Is this the first time during this period of banks lowering their rates?
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ING is pretty desperate to get new customers or keep their existing customer base. They're offering a CD, any amount, 6- and 9-month term at 3.3%.....
What surprised me the most was that there was no minimum required. The lowest dollar amount I've seen to open a CD was $500. |
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And, desperate or not, they may need to offer a little more incentive. Some other current offers: GMAC 6 or 9 month CD 3.60% APY, 12 month 3.90% APY, $500 minimum ELOAN 6 month CD 3.50% APY, $500 minimum IndyMac Bank 12 month CD 4.15% APY, $5K minimum |
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Second, while I know all these institutions are FDIC insured, I am still not a big fan of them because they are up to their necks in mortgage loan toxic waste. All the banks offering these "o.k." rates are the same ones that got us into this mess, so I just do not trust them. I do not remember the details, but I do remember many bankers getting off scott free from the 90's S&L debacle and depositors not getting all their money back. My everbank intro rate of 4.5% runs out in 2 months, all the banks will be cutting 1/4 a point after the fed does the same. So once its all said & done what is a saver to do? Your thoughts please, thank you. Last edited by weissheit : 04-28-2008 at 01:56 PM. |
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