• Keep your banking information secured

    Keep your banking information secured

    Don’t be astonished choosing a password for your Internet banking account is very important. Before you put your password for Internet Banking, make sure that you choose a password that only you can remember. A strong password has ideally at least 14 characters or more – certainly the more the better. The password must be composed of letters, numbers and other symbols. You can use upper and lower case to improve the complexity of...

    http://bank-rates.org/financial-consultant/keep-your-banking-information-secured
  • Alluring bank rates and easy profit

    Alluring bank rates and easy profit

    The banking industry is alluring. In the last ten years, competition among financial institutions has created many opportunities to make extra money with the best Bank Rates. There are two main reasons for this new competition: reduced regulation and appearance of the Internet. With widespread access to broadband, online banks can now offer loads of features that traditional banks can not. In addition, these online banks can offer the best...

    http://bank-rates.org/financial-consultant/alluring-bank-rates-and-easy-profit
  • Online banking: advantages and disadvantages

    Online banking: advantages and disadvantages

    Most online banks offer higher interest rates or other offers on savings accounts and other banking products because these banks have less overhead. There is not much building to pay and there are fewer employees. Account information and services are available 24 hours a day, every day. An exception to this rule would be for online banks may need to go offline for a couple of hours to update and maintain systems. Most online banks have no fees...

    http://bank-rates.org/financial-consultant/online-banking-advantages-and-disadvantages
  • What you need to know about bank rates

    What you need to know about bank rates

    People need the loans for different reasons and things. You can choose different loans, such as home loans, car loans, student loans, business loans and other types of loans. Don’t forget that the percentage varies in different types of loan . Banks will typically have lower percents in regards to percents match to other financial institutions. Before apply for a loan, you must know the rate of bank loans. If you need to buy a house for...

    http://bank-rates.org/financial-consultant/what-you-need-to-know-about-bank-rates
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Minnesota: First Commercial Bank gives competitive certificate of deposit rates, 2.68% APY for 18-month term

By Admin | Sep 02, 2009

The First Commercial Bank in Minnesota invites consumers to take advantage of a good money in the bank deal as they offer their best cd rates. Some of the most attractive top cd rates are:

2.33% APY 12 month
2.68% APY 18 month
2.82% APY 24 month

The highest cd rates can be enjoyed with an initial deposit of $10000. These current cd rates can be enjoyed only by consumers who also have an Executive Checking with First Commercial. The rates are lower by 15 basis points without the checking account.

The checking account requirement also presents a good deal with $10K and over deposit to enjoy an APY of 2.50%. The interest rate falls to 0.55% when you go below the set minimum. You can call the bank thru 952-903-0777 to learn more about the account relationship details.

The office of First Commercial Bank is in Bloomington, Minnesota.

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Tags: Commercial Bank, First Commercial, First Commercial Bank, Rates
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Earn 2.4% With Wedbush’s 2-Year CDs

By Admin | Aug 30, 2009

Wedbush Bank has begun offering some of the best 24-month CD rates in the country.

With a minimum deposit of $2,500 you can earn 2.43%. Increase your investment to $25,000 and your yield increases to 2.48%.

The offer is available nationwide and you can apply online by clicking the “Apply Now” button on the home page.

Theses CD rates are second only to the 2.50% APY offered by Tennessee Commerce Bank in Franklin, Tenn., for a 24-month certificate of deposit with a $2,500 minimum deposit.

Wedbush just opened last year and has a single office in downtown Los Angeles. It’

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Tags: Earn, Earn 24
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Not All HELOCs Are Created Equal: Understanding the Potential Costs of a HELOC

By Admin | Aug 30, 2009

It is possible to get a HELOC that doesn’t charge any application or closing fees because HELOCs were primarily designed to work more like credit cards, except of course, that you would need to put up your home equity as collateral.

oldemor

First, there are the application and closing costs, then there’s the interest on the amount you draw from the line, plus other expenses down the line. Here are the most common fees tied to a home equity line of credit:

  1. Application Fee. This is a standard fee that lenders charge, often just to pick out the serious buyers from those who are merely shopping around. It is also therefore not uncommon for banks or creditors to refund this fee upon closing of the loan.
  2. Appraisal Fee. It is important for lenders to appraise the value of a property to determine the loan amount a potential borrower is entitled to. How

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Tags: Costs Heloc, Heloc
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Cash savings bonds carefully

By Admin | Aug 30, 2009

Dear Dr. Don,
I own three Series EE savings bonds with the following purchase dates and face value amounts:

?  $500 (June 1983)
?  $1,000 (December 1993)
?  $500 (May 1994)

When should I cash them in? Do I just take them to my bank and let them cash them?

Are all three at full value as of July 24, 2009?
– Suzanne Savings

Dear Suzanne,
Series EE savings bonds issued in the 1980s and early 1990s have an original maturity of 20 years, and an extended maturity of 10 years, for a total of 30 years until the final maturity of the bonds.

These bonds were purchased at half their face value. Over their original maturities, the bonds increase in value to become worth at least the face amount. During the extended maturity period, the bond continues to earn interest according to the terms of the extension period.

The Series EE bond you own from 1983 will reach its final extended maturity in June 2013. At

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Tags: Bonds, Savings Bonds
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