Loan


Checking Account

The best checking accounts are offered by both national and regional banks, such as Bank of America, Home Street Bank, Citizens Bank, First New England FCU, etc...


High interest checking accounts are offered by online banking services...
For example, the larger your monthly balance is, the higher your interest rate will be...
In America, some banks offer interest rates, the sizes of which depend on your monthly balance...
You can find banks offering the most acceptable terms, the highest interest rates and the lowest or no fees...
More >>>

Best Checking Account



A 2011 research demonstrates that the best checking account can be obtained from such large to middle sized banks as Bank of America (BoA), Citizens Bank, J...
With so many independent credit unions, banks, and other financial institutions, it is not an easy task to find the best checking account that offers both high interest rates and is secured by the Federal Deposit Insurance Corporation...
For example, if your monthly balance is high, you will be allowed to have higher interest rates...
You can also win some high-tech devices such as iPhone or iPad...
Morgan Chase & Company, Wells Fargo & Company, Suntrust Bank, etc...
More >>>

Free Checking Account

If the client fails to meet these requirements, he/she will still keep the bank account, but the interest rate won’t be high anyway....


Some banks offer high interest checking accounts, which can bring a good profit provided that the balance and income are high enough...
So if a client is going to keep a big sum of money in the bank, he would better choose a bank where rates of interest depend directly on this sum...
Low-income clients should not invest money in the banks which don’t provide interest rates for low balance accounts...
In some American banks they are proportional to client’s monthly balance...
More >>>



Where to Look for Savings Account Options

In addition to fee-free savings, Capital One offers an array of online and mobile banking services and tools that can help you keep an eye on your money.

Capital One 360 at a Glance

Best Online Savings Account for High Balances: CITI Bank

CIT’s savings account offers a tiered interest rate structure, so higher balances earn higher interest...
All of these features come with no minimum deposit and no monthly fee.

Ally at a Glance

Best Savings Account with a Sign-up Bonus: Capital One 360

In addition to a flat annual percentage applied to all balances – 0.75% as of 5/20/2015 – Capital One 360’s newest offer includes a tiered sign-up bonus that increases in value depending on how much money you deposit...
Although your money will be safe there, the average American is hardly capitalizing getting rich on rates today.

According to CNN Money, the average savings account last year had only a 0.06% APY (annual percentage yield, or interest)...
In addition to your traditional local bank, you may be surprised to find that you can open a savings account with one of these types of companies:

Why Choose An Online Savings Account?
Today, almost every financial institution with personal banking products has an online presence...
Their savings account currently yields 0.99%, which is high by today’s standards.

With Ally Bank, you can deposit checks with the mobile app by taking a picture and link to any number of external accounts to move money around easily...
More >>>

Balance Transfer Offers



Balance Transfer Calculator

0 interest balance transfers are great for those who are ready to shift loans regularly...
Please, note that in America many balance transfer shifts are charged up to 3%...


Zero interest balance transfer offers are cheaper than long-term credit card deals...


Zero balance transfer companies keep the zero-percent interest level for a certain period of time, usually for a few months...
As a result, lots of people moved their funds from companies with higher charges to those with lower or zero charges...
More >>>



What Are the Best CD Rates Today?

All of these CDs mature at the same time, but you still had access to at least a portion of your money until the last year.

Alternatives to CDs

If you’re not quite sold on CDs, there are some other low-risk alternatives that might be a better fit — some more liquid than CDs, and some less so.

High- Yield Savings Accounts

A high-yield savings account offers a beefier interest rate than the paltry national savings account average, which is 0.09% in August 2015, according to Bankrate...
Interest rates will be higher for MMAs than savings accounts at brick- and-mortar banks, but the difference compared with high- yield savings accounts online is negligible.

Bottom line: Both an MMA and a high-yield savings account, particularly online, can provide a more liquid alternative to a CD without a huge interest-rate hit...
However, you’ll probably earn a lower interest rate for this convenience.

  • Callable CD: Get a callable CD and your bank will pay you a higher interest rate, but the catch is they can “recall” it before the term is over — typically when rates have fallen far below the one you nabbed when you got the CD...
    You’ll get your deposit back and any interest earned until that point.
  • Jumbo CD: A jumbo CD is basically just a CD that requires a large minimum deposit, like $100,000, and pays a higher interest rate in return.
  • IRA CD: An IRA CD is simply a CD that you invest in as part of an individual retirement account, which is a tax-advantaged account where you stash your money...
    Additionally, with most CDs, you can “set it and forget it”: That is, once you’ve opened your CD and put your money in, you don’t have to do much else.
  • Higher interest rates (at most traditional banks): Traditionally, CD rates are higher than savings account rates to entice you to part with your money for the specified term...
    More >>>


      > > > >