North Carolina based Carolina Premier Bank offers their best checking account that gives the highest interest rates if the account holder meets certain monthly requirements:
5.00% APY for balances through $25,000 0.50% APY for deposits above $25K Base interest rate is 0.50% if monthly requirements are not satisfied ATM fees incurred anywhere in the U.S. is reimbursed
In order to enjoy the highest interest rate for this checking account, account holders must be able to do the following on a monthly basis:
Account holder must make at least 12 purchases using the debit card; amount must be at least $5 each Set up an auto debit or a direct deposit Complete at least one online bills payment Choose to receive electronic statements
The bank also requires consumers to open another account with them to take advantage of the benefits of this money in the bank deal. You can maintain a certificate of deposit or a savings account to get the best checking account rates. The initial deposit required to open the checking account is as little as $200.
The bank does not impose any balance requirements nor do they collect any monthly service fees.
Looking for the highest five year certificate of deposit rates available today? We have compiled a list of the top 10 five year CD rates in California. Check for current CD rates in your zip code by using our five year CD rate tables here.
Granted, even five year CD rates aren’t that great these days considering over a year ago one could find one year CD rates more than double the current five year rate. The current five year national average CD rate is only 2.40 percent but we have rates listed that are higher than the national average rate.
Discover Bank tops our top ten list of the highest CD rates with their current CD rate at 3.25 percent with an annual percentage yield of 3.30 percent. Next on the list of top ten five year rates is First Internet Bank of Indiana, with a current APY of 3.30 percent.
Third on the top ten list is E-loan with a current APY of 3.20 percent. The minimum opening deposit to receive this APY for a 5 year CD account is $10,000. Fourth on the list is Nationwide Bank. Their APY for a five year CD is at 3.15 percent with a minimum deposit of $10,000.
Next is Ally Bank with the current APY at 3.10 percent with a minimum opening deposit of only $1.00. AIG Bank
Today only (11/30/2009), GoDaddy.com is offering new $4 Domain Name registrations of transfers. You nust use promo code: cjcBLACK09 during checkout. There is no limit on the number of $4 domains you can register or transfer. This saves you $6 on their normal price of $10.
The $4 price applies to any new registration or new transfer on any available .COM, .US, .MOBI, .BIZ, .NET, .ORG, .CA, .CO.UK and .IN domain. Applies to the first year only of new or transfer registrations. Limited number of redemptions available.
This is a great deal for those of you wanting to register more domains. Essentially today you are getting 2 for 1!!
The Las Vegas Review-Journal has a good review of American Share Insurance (ASI). This is especially relevant to Nevada since it has so many credit unions which depend on ASI for all of their deposit insurance. For those not familiar with ASI, please refer to my September post in which I described how a Texas credit union is trying to replace its federal NCUA insurance with private ASI insurance.
The Las Vegas article mentioned a 2003 GAO report which described some potential issues with ASI:
“First, ASI’s insured risks are overly concentrated in a few large credit unions in certain states,” the federal report observed. “Second, ASI may have a limited ability to absorb catastrophic losses because it does not have the backing of any governmental entity and its lines of credit are limited,”
The article does include an interview with the ASI CEO who tries to ease concerns of those worried about ASI and its ability to cover any potential credit union failures. As I mentioned in my September post Silver State Schools Credit Union in Nevada is a large credit union with only ASI insurance that is having financial difficulty. Read Full Post…
Mention the Global Financial Crisis and thoughts of doom and gloom generally prevail. Look beyond the negatives, for the GFC has its upside.
The media is rife with stories of the negative impacts of the Global Financial Crisis, but there have been many new developments of a more positive nature that do not get coverage in the tabloids or gain airtime in the electronic media.
Upside to the GFC – Lower Interest Rates Increase Housing Affordability
Interest rates are down, considerably. The cost of a mortgage is well down on the rates being charged just eighteen months ago. Monthly repayments on variable mortgages are lower in line with lower interest rates, and if the repayments have remained the same the principal of the loan is reduced as the interest component of the repayment is a lesser proportion of the monthly installment. This allows the homeowner to get ahead, and create some contingency to delay payments for a while whilst they catch their breath.
Gasoline Prices Drop and Demand Aligns With Supply
Gasoline prices have dropped in the past six months.
— Admin @ 8:40 pm — 
November 30, 2009
Looking for the highest five year certificate of deposit rates available today? We have compiled a list of the top 10 five year CD rates in California. Check for current CD rates in your zip code by using our five year CD rate tables here.