Banks for You!

The iGobanking CD rates are another of the new banks being listed by Highest CD Rates. This is the online bank of Flushing Savings Bank based out of Houston, Texas.

The current CD rates include the 3 month CD that is earning an APY of 0.15%. The 6 month CD is earning an APY of 0.15%.

The 8 month CD is earning an APY of0.15%. The 9 month CD is earning an APY of 0.15%.The 1 year CD is earning an APY of 0.15%.

The 13month CD is earning an APY of 0.15%. The 15 month CD is earning an APY of 0.15%. The 18 month CD is earning an APY of 0.15%.

The 2 year CD is earning an APY of 0.50%. The 29month CD is earning an APY of 0.60%. The 3 year CD is earning an APY of 0.70%.

The 4 year CD is earning an APY of 0.90%. The 5 year CD is earning an APY of 1.10%. The 7 year CD is earning an APY of 1.70%.

The best CD rates are from the 10 year CD that is earning an APY of 1.80%.

To obtain the stated iGobanking certificate of deposit rates, you must place a minimum deposit of $1,000 with the bank.

iGobanking also offers IRA CDs. They are the same rates as stated above and are available in terms from 3 months to 5 years. The minimum deposit for these IRA CDs is also $1,000.

The iGo CD rates were posted on January 30, 2012 but are still good in the month of February.

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One of the biggest hurdles in getting a loan approval is your credit score. Often the lender pulling (i.e. requesting and reviewing) your credit score from a major credit bureau is the first step in any lending process.

Naturally, this leads to the question…

“Is my credit score good enough?”

This is often the major weighing question on most consumers’ minds as they apply for a new credit card, buy a car, apply for a new mortgage, or attempt to refinance their current mortgage creating a lot of unnecessary anxiety.

Let’s see if we can relieve some of your stress.

How Low Can You Go?

Most credit scoring models range from 300 to 850.

Here’s a little stress relief right off the bat it’s really, really hard to hit the bottom (i.e. 300) on this one. It’s kind of like the ACT or SAT; you get some points just for getting your name right. In fact, you are more likely to have no credit score at all, usually because you have no credit history, than to have a 300 credit score.

Relief… you’re probably not at the bottom of the barrel. Only 7 percent of the total US population is between 350 and 549. Just slightly above

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If you are looking for a way to boost your interest earnings, a rewards checking account may be a better option than a savings account or money market account.

At First Federal Bank, North Carolina residents can open a rewards checking account with just $50 and start earning 3.50 percent APY on balances up to $15,000. This FDIC-insured account includes free online banking, refunds on ATM fees nationwide and has no minimum balance requirement and no monthly maintenance fees. To earn the top interest rate, you must:

• Make 10 debit card purchases per month
• Make one automatic payment or have one direct deposit per month
• Access online banking at least once per month

Compare interest checking account rates and terms online to find the best bank deal for you.

Fulton Bank is offering a free Amazon Kindle Fire when you open a checking account, activate a direct deposit, and make 3 online bill payments, valid through March 31, 2012.

Fulton Bank has locations in Delaware, Pennsylvania, Virginia, Maryland, and New Jersey.

For a limited time, you can receive an Amazon Kindle Fire when you open a checking account with Fulton Bank, activate a direct deposit, and make 3 online bill payments.

Here’s How To Get Your Free Kindle Fire:

1. Open a Checking account.

2. Sign up for Direct Deposit.

3. Sign up for Online Banking with Bill Pay.

4. L

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Greater Hudson Bank provides attractive interest rate for their money market account called Greater Hudson Money Market account. This money market deal lets you earn an interest rate of 1.00% APY for balances up to $99,999 and earn an interest rate of 0.15% APY for the portion of the balance of $100,000 and above.

Individuals who wants to take advantage of this best money market rate will need to deposit a minimum of $1 to open an account. This money market account requires an average daily balance of only $1 to earn interest. Best of all, it has no monthly services charges.

Additional benefits that this money market offers are free monthly paper statement, free check images, unlimited deposits, free Visa Debit card, free online banking with bill pay, and free electronic bank statement. Finally, enjoy unlimited withdrawal on your account when you visit the branch or request it by mail.

Under federal regulations, you are allowed to make up to 6 pre-authorized withdrawals, electronic transfers, or telephone transfers per statement cycle. Once you exceed the limit, a fee may be charge per transaction you make on your account.

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