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Archives for October 2009KeyBank, of Cleveland, Ohio is offering two checking account bonus deals. The first checking account promotion is for $125 cash or 60,000 KeyBank Reward points and the second deal is for $225 cash. There are certain account requirements that have to be meet to receive the checking bonuses. The offer isn’t available to individuals who have opened a KeyBank checking account in the last 12 months. $125 or 60,000 Reward Points Checking Account Bonus: You have to open one of the following checking accounts between now and November 20, 2009.
You must also request a KeyBank Rewards Checking Card and you must make one KeyBank Rewards debit card transaction and a combination of two direct deposits and/or automated payments each of $100 by January 22, 2010. When those requirements are met, you will receive the $125 gift or 60,000 reward points within 90 days of meeting the requirements. There is a limit of only one $125 gift or 60,000 point reward per person. The 60,000 point reward bonus is only available by calling or visiting a branch location. $225 Checking Account Bonus: You have to open one of the following checking accounts between now and November 20, 2009
You must request a KeyBank Rewards debit card (Key Privilege Select Checking clients must have or request a KeyBank Rewards World Debit MasterCard) and by January 22, 2010 make one KeyBank Rewards debit card transaction and a combination of two direct deposits and/or automated payments each of $100 or more. You will receive $225 within 90 days of meeting those requirements. There is a limit of one $225 gift per individual. You can apply online here, visiting a branch location or call 1-877-Key-only. The 60,000 reward bonus points is only available by calling or visiting a branch location. KeyBank has branches in the following states: AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, and WA.
Preliminary numbers on third quarter Gross Domestic Product (GDP), a measure of goods and services, expanded by 3.5 percent. Fourth quarter GDP is also expected to expand around 2.5 percent to 3.00 percent. When the Fed starts raising interest rates to keep inflation in check, deposit account rates like CD rates and savings account rates will start heading up as well. Hopefully this process should start happening sometime in the first half of 2010. CD Rates – October 30, 2009
Find the best bank CD rates in your area by searching our CD rate tables here: Best Bank CD Rates
The recession which started in the fourth quarter of 2008 is over, but will officially be over when we have back to back quarters of positive GDP growth. Adding to positive growth in the third quarter was personal consumption, exports and federal government stimulus spending. Automobile output had a significant contribution to GPD in the third quarter, adding 1.66 percentage points to the third-quarter change in real GDP. The Cash for Clunkers program increased motor vehicle purchases in the quarter and is the main reason for the increase. Subtracting from growth in the third quarter was an upturn in imports, a downturn in state and local government spending, and a deceleration in federal government spending.
Even with low current mortgage rates the Mortgage Bankers Association reported a seasonally adjusted 12.3 decline in mortgage applications for the week ending October 23, 2009. New home sales also declined in September, yesterday the Commerce Department reported a 3.6 percent decline in new home sales for the month of September. Looking for today’s mortgage rates, including jumbo mortgage rates? Use our bank mortgage rate tables to find the best mortgage rates. Current Mortgage Rates30 year fixed rate mortgages averaged 5.03 percent for the week ending October 29, 2009, up from the prior week’s average rate of 5.00 percent. Average mortgage discount points remained the same at 0.7 points. A year ago 30 year mortgage rates averaged 6.46 percent. The average rate on 15 year fixed rate mortgages is at 4.46 percent this week, up from the previous week’s average mortgage interest rate of 4.43 percent. Average discount points were 0.6 points. A year ago 15 year mortgage rates were averaging 6.19 percent. Five year Treasury indexed adjustable rate mortgages are averaging 4.42 percent, up from last week’s average rate of 4.40 percent. Average discount points were 0.6 points. A year ago 5 year adjustable mortgage rates averaged 6.36 percent. One year Treasury indexed adjustable mortgage rates averaged 4.57 percent this week, with average discount points at 0.6 points. Last week’s average one year ARM was 4.54 percent. A year ago at this time, one year ARMs averaged 5.38 percent. Jumbo Home Mortgage RatesFreddie Mac only reports on conforming mortgage rates in the PMMS survey. MonitorBankRates.com reported on jumbo mortgage rates earlier this week, here is the report.
As you can see in the table below rates are either just above or just below 0.50 percent depending on the deposit amount.
You can find savings account rates and money market account rates well above the national average rates, in fact, a select few banks and credit unions offer rates above 2.00 percent. SFGI Direct is offering their “Direct Savings Account” which currently has an annual percentage yield of 2.25 percent. ShoreBank Direct is offering a savings account that has an annual percentage yield of 2.15 percent. Savings account rates and money market account rates are variable and can change at anytime. These days rates are headed down so chances are the rate change will be down. There is nothing more annoying than opening an account and have the rate change within a week or two. If you want to lock in a rate around two percent you can find banks offering one year and two year CD rates around two percent. Interest rates will be headed up in the coming year so stick to shorter term certificate of deposits for now. Here is a list of the best savings account rates.
Find the best savings account rates and money market account rates in your zip code by searching our savings rate tables here. The current national average rate for a two year certificate of deposit is 1.61 percent this week. You can find CD rates and yields higher than the national average rates. Discover Bank is offering a two year certificate of deposit rate of 2.33 percent and an annual percentage yield (APY) of 2.35 percent. MetLife Bank is also offering a two year certificate of deposit that has an APY of 2.35 percent. Capital One Direct Banking is offering an APY of 2.30 percent for a two year certificate of deposit. Here is a list of the top two year certificate of deposit yields.
The following banks are offering two year certificate of deposits that have an APY of 2.00%. Bank of America, Citibank, Bank of Internet USA, EmigrantDirect.com and Georgia Bank & Trust. Find the highest CD rates in your zip code by searching our CD rate tables here. Find the highest CD Rates
402,000 new homes is also 7.8 percent lower than the September 2008 estimate of 436,000 new home sales. The median sales price of new homes sold in September 2009 was $204,000 and the average sales price was $282,600. The supply of new homes for sale at the end of September was 251,000 homes, a 36.5% decline over September 2008 when the supply of new homes was at 395,000. The number of new homes for sale is getting back to a more historical norm, the current supply of new homes would take 7.5 months to sell at the current sales pace. In January of 2009 the supply of new homes for sale would take 12.4 months to sell. The overall supply of homes for sale will increase when the first time home buyer tax credit ends on November 30, 2009. The National Association of Realtors (NAR) is lobbying hard for an extension and an expansion of the credit. Between the tax credit expiring and the Federal Reserve announcing it was going to complete the purchase of $1.25 trillion in mortgage backed securities in the first quarter of 201o this year’s winter housing market is expected to be bleak. On the positive side is homes are more affordable than they have been for several years and today’s mortgage rates are still hovering near record lows. Home prices aren’t expected to jump anytime soon but current mortgage rates will probably be higher once the Fed as stopped purchasing mortgage backed securities. If you’re planning on purchasing a home or refinancing your mortgage now is a good time to act.
Mortgage rates were mixed in the latest Mortgage Applications Survey released by the Mortgage Bankers Association this morning. 30 year mortgage rates and one year adjustable mortgage rates were down slightly in this week’s survey and 15 year mortgage rates were higher. Applications for mortgages also decreased this week even though mortgage interest rates for the most popular mortgage product, 30 year mortgages, decreased. Mortgage refinance applications also decreased this week over last. Looking for mortgage interest rates, including jumbo mortgage rates? Use our bank mortgage rate tables to find the best mortgage rates. Current Mortgage Rates Mortgage Interest RatesThe average contract mortgage rate for 30 year fixed-rate mortgages is currently at 5.04 percent, down from last weeks’ average interest rate of 5.07 percent. Average discount points increased to 1.25 this week from 1.13 points last week. The average contract mortgage interest rate for 15-year fixed-rate mortgages is at 4.53 percent this week, up from the previous week’s average mortgage rate of 4.51 percent. Average discount points decreased to 0.78 from 0.96 the week prior. The average contract rate for one year adjustable rate mortgages is at 6.79 percent this week, down from the previous week’s average contract mortgage rate of 6.86 percent. Average discount points also decreased this week to 0.29, down from last week’s average of 0.31. Jumbo Rate MortgagesMonitorBankRates.com reported on jumbo mortgage rates eariler this week, here is the report. Jumbo Home Mortgage Rates
Find today’s mortgage interest rates, including jumbo mortgage rates, by using our bank mortgage rate tables to find the best mortgage rates in your area. Find Today’s Mortgage Rates
Today’s conforming fixed 15-year mortgage interest rates are down and 15 year jumbo home mortgage rates are higher. 10-year Treasury yields are back above 3.50 percent as of Monday morning, contributing to the slight rise in jumbo rate mortgages and shorter term adjustable rate mortgages. Higher Treasury yields will mean higher mortgage interest rates this coming week. Looking for mortgage interest rates, including jumbo mortgage rates? Use our bank mortgage rate tables to find the best mortgage rates. Best Mortgage Rates Low mortgage rates are supporting the housing market. Last week the National Association of Realtors reported existing home sales were up considerably in September. Existing home sales were up 9.4 percent to a seasonally adjusted annual rate of 5.57 million, up from a level of 5.10 million in August. This morning the Standard & Poor’s/Case-Shiller home price index shows home prices in 20 major cities climbed 1 percent from July to a seasonally adjusted reading of 144.5. Mortgage Rates: Current Mortgage RatesCurrent 30 year conforming mortgage rates are at 5.08 percent, down from 5.10 percent the prior week. Conforming 15 year mortgage loan rates are down to 4.50 percent from the previous week’s mortgage rate of 4.60 percent. Jumbo Home Mortgage RatesAverage rates on a 30 year jumbo home mortgage is currently at 5.85 percent, up from last week’s average jumbo interest rate of 5.80 percent. 15 year jumbo interest mortgage rates are averaging 5.30 percent this week, up from last week’s average mortgage rate of 5.23 percent. Adjustable MortgageAverage rates on one year conforming adjustable mortgages are at 4.35 percent, up from last week’s average interest rate of 4.32 percent. One year jumbo adjustable mortgage rates are at 5.28 percent, down from last week’s average of 5.49 percent. Conventional 3/1 adjustable mortgages are averaging 4.41 percent, up slightly from last week’s rate of 4.40 percent. Jumbo 3/1 ARMs are averaging 5.47 percent, down from the prior week’s rate of 5.53 percent. 5/1 conforming adjustable loan rates are averaging 4.15 percent this week, up from last week’s rate of 4.05 percent. Jumbo 5/1 home loan rates are averaging 4.94 percent, up from 4.91 percent. 7/1 conventional adjustable mortgage loans are averaging 4.53 percent, up from the prior week’s average of 4.52 percent. The average jumbo 7/1 adjustable mortgage interest rate is at 5.66 percent, down from 5.69 percent last week. The average rate for a 10/1 ARM is currently at 4.95 percent this week, up from last week’s average interest rate of 4.83 percent. 10/1 jumbo rates are averaging 6.12 percent, up from 6.07 percent. Home EquityAverage home equity rates were down this week. The current 10 year equity home loan is at 7.46 percent, down from last week’s average home equity rate of 7.65 percent. 15 year home equity rates are averaging 7.59 percent this week, down from the prior week’s average equity loan rate of 7.60 percent. Home Equity Line of CreditThe average home equity line of credit (HELOC) rate is averaging 4.86 percent this week, down slightly from last week’s average HELOC rate of 4.87 percent.
Bank CD rates are not expected to move higher until sometime next year when the economic recovery is well under way and the Federal Reserve starts raising interest rates. Bank CD Rates
Find the best CD rates in your area by searching our CD rate tables here:
Sales activity is the highest it has been since July 2007. Existing home sales include single-family, town homes, condominiums and co-ops. Low mortgage rates and the $8,000 first time home buyer tax credit are driving existing home sales higher. The tax credit ends November 30, 2009 unless Congress extends the credit. The NAR is lobbying Congress hard to extend the tax credit. The NAR also has a “Call for Action” page that real estate agents can use to email their senator and congressperson to urge them to extend the tax credit. Another positive sign in the report is that the supply of homes for sale at the end of September fell 7.5 percent to 3.63 million. This represents a 7.8 month supply at the current sales pace, down from an 9.3-month supply in August. Unsold home inventory totals are 15.0 percent below a year ago. When the supply of homes comes down to a more historical norm, housing prices will stabilize. Lawrence Yun, NAR chief economist said, “The current housing supply is the lowest we’ve seen in two and a half years. If we could continue to absorb inventory at this pace, home prices would return to normal, modest appreciation patterns next year.” On the negative side, the national median existing-home price for all housing types was $174,900 in September, which is 8.5 percent lower than September 2008. Foreclosures and short sales continue to drive the median home price down.
You can do the same by putting together a realistic financial plan that tracks your monthly income and expenses. Consolidating and eliminating credit card debt will be a long, hard process but it is possible with a little discipline and a plan. In the recent past you could refinance your mortgage to pay off credit card debt, but for most people that isn’t an option anymore. Which actually is a good thing, because you’re not eliminating your debt by refinancing your home, you’re just shifting the debt. To start the process, come up with a monthly budget that takes into account all of your spending. Track every single purchase for a month – even the little incidentals like that daily cup of coffee at Starbucks. You will be surprised to see how much these little purchases add up. When you have put together a list of your monthly spending habits, see what can be eliminated without too much pain. The idea is to create a budget that you can live with that isn’t too hard on yourself. If you cut too much spending, you won’t keep to the budget and you’ll be back where you started. You can always decide to cut more later if you find the cuts you have already made aren’t painful. The money you have cut from spending should be applied towards your highest rate credit card. In fact, only pay the monthly minimum on the lower rate credit cards. Once you have paid off the highest rate credit card, start with the next highest rate card. You can use a credit card payoff calculator to see the savings benefit. Other options beside cutting expenses to pay off credit card debt is to consolidate debt into a bank loan. Bank loan rates are lower than most credit card rates. Also, by consolidating debt into one loan with a lower interest rate, your monthly payments will be lower. The money you save with a lower monthly payment can be applied towards the loan or put into an emergency savings account. Having six months of expenses saved can tide you over in case of a job loss in the family.
Permanent life insurance also has a cash value benefit. You should have a good understanding of both types of life insurance before you apply for and receive life insurance quotes from life insurance companies. Get Term Life Insurance Quotes and Permanent Life Insurace Quotes Here What is Term Life Insurance?Term life insurance provides life insurance for a specific duration of time, usually for 10, 20 or 30 years. Shorter time period life insurance policies are also available. The idea behind term life is there will be a finite period of time in your life you will have dependents that will need a source of income if you pass away. If you pass away during the term period, your dependents (beneficiaries) will receive the face value of the insurance policy from the insurance company. If you live beyond the term life insurance period, you do not receive any money. There isn’t a savings or cash value built up during the insurance term. Term life insurance rates are cheaper for this reason – so you can get more life insurance coverage with a term life policy than a cash value life insurance policy. The cost of term insurance goes up as you get older, which can make insurance premiums more expensive than cash value insurance in the long run. How to Buy Term Life InsuranceWhen you buy term life insurance, you need to decide how long you need the term policy to provide a benefit to your dependents. Take your dependents’ age into consideration, your current income and expenses. Two big expenses are any outstanding mortgages and college costs or future college costs. Ideally, you will have enough term life insurance coverage that will pay for all these costs. You also have the option of converting a term life policy into a cash value insurance policy in the future. You may renew the policy without a physical examination for the period of years specified in the policy. If you do make the decision to convert some or all of the term life to cash value, the premiums for the converted insurance will be higher for the cash value insurance. If you fail to pay the insurance premium for your term insurance, it will lapse without any cash value, as compared to a permanent type of policy that has a cash value component.
“Following bond yields, long-term mortgages rates edged up slightly this week,” said Frank Nothaft, Freddie Mac vice president and chief economist. “Although rates for 5/1 ARMs and traditional 1-year ARMS are around half a percentage point below 30-year fixed mortgages, consumers appear to be seeking the stability of fixed-rate mortgages.” Looking for the best mortgage rates? Find today’s mortgage interest rates in your state by using our mortgage rate tables: Current Mortgage RatesCurrent fixed rate 30 year mortgages were up to 5.00 percent this week, an increase from last week’s average of 4.92 percent. Average discount points remained the same at 0.7 points. Discount points are paid up front and allow you to buy down the mortgage rate. Points can also be rolled into the mortgage if enough equity exists in the home. Rolling points into a home loan is popular when refinancing a mortgage. 15 year fixed rate mortgages are currently averaging 4.43 percent, up from last week’s average home loan rate of 4.37 percent. Average discount points were 0.6 points this week. Last year at this time 15 year mortgage interest rates were almost 1.50 percent higher at 5.72 percent. 5 year adjustable rate mortgages are up to 4.40 percent this week, up from last week’s average loan rate of 4.38 percent. Discount points are averaging 0.6 points. Last year at this time 5 year adjustable mortgage rates were over 6.00 percent at 6.07 percent. One year adjustable mortgage rates were slightly lower this week, current one year ARM rates are averaging 4.54 down from last week’s average rate of 4.60 percent. Average discount points on these loans are at 0.6 points. Jumbo Mortgage RatesMonitorbankrates.com reported on jumbo mortgage rates earlier this week, following is the report. The average fixed rate 30 year jumbo mortgage is at 5.80% this week, down from the previous week’s average interest rate of 5.86%. Fixed 15 year jumbo mortgage rates were down slightly to 5.35% from 5.36% the prior week. Citizens Bank is offering a promotional checking account deal that gives you $220 in cash for opening a checking account and meeting certain criteria by December 31, 2009. This checking account promo offer is only available to November 13, 2009.
To qualify for this offer you must open your first new checking account between October 1, 2009 and November 13, 2009. Student checking accounts are not eligible and you must not have been a “signer” on any personal account within the prior six months. Checking Account Criteria and Bonus Amount
You must also keep the checking account open for at least 6 months or Citizens Bank will “debit” the banking bonus from your account when you close it. Citizens Bank also offers deposit products including certificate of deposit accounts and savings accounts. The bank also offers home loans and currently has 30 year mortgage rates advertised at 5.28 percent. Citizens Bank is headquartered in Providence, R.I and has branches in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Michigan and Ohio. The bank’s FDIC Cert number is 57957 under RBS Citizens, National Association. Citizens Bank $220 Bonus Checking Account Offer Here.
ING Direct has the best CD yield on MBR’s 12 month CD rate table, ING Direct’s current yield is 2.10 percent. Here is a list of the top 21 certificate of deposit yields for zip code 33401 (West Palm Beach, Florida). You can find the best CD rates and yields in your area by using our CD rate tables here. Find the Best CD Rates
Find the best certificate of deposit yields in your zip code. Best CD Yields
The increase in home loan rates drove mortgage loan application volume down this week compared to last week. The Market Composite Index which measures mortgage application volume was down 13.7 percent on a seasonally adjusted basis from a week ago. Higher mortgage rates drove mortgage refinance activity down this week, the Refinance Index declined 16.8 percent on a seasonally adjusted basis. Looking for mortgage rates? Current mortgage rates can be found in your state by using our mortgage rate tables: Today’s Mortgage Interest RatesThe average contract mortgage interest rate for fixed rate 30-year mortgages increased to 5.07 percent from 5.02 percent, discount points also increased to 1.13 from 1.11. The average contract home mortgage interest rate for fixed rate 15-year mortgages increased to 4.51 percent from 4.44 percent, discount points decreased to 0.96 from 1.04. Average contract rates for one year adjustable rate mortgages increased to 6.86 percent from 6.71 percent, discount points decreased to 0.31 from 0.32. Jumbo Mortgage RatesMonitorbankrates.com reported on jumbo mortgage rates eariler this week, following is the report. The average fixed rate 30 year jumbo mortgage is at 5.80% this week, down from the previous week’s average interest rate of 5.86%. Fixed 15 year jumbo mortgage rates were down slightly to 5.35% from 5.36% the prior week.
The 3 month “Bonus Interest Rate” period APY on the money market account is for the first $50,000 deposited, balances over $50,000 currently earn an APY of 1.50%. The rate and yield on the first $50,000 will remain fixed for the first three months. In other words, the account rate and yield are guaranteed. For money market account balances over $50,000 the rate is a variable rate. If you combine the 2.51% 3 month bonus savings account period and the current account APY after the bonus period has ended, the first year’s APY is 1.77%. EverBank refers to this as the “New Account First-Year APY”. The first year APY can change because after the first 3 months the rate isn’t guaranteed. The minimum opening money market account balance is $1,500. There is an $8.95 monthly charge for accounts under $5,000, so be sure to keep at least $5,000 in the account if you decide to act on this promotional savings rate. If you don’t, the charge will effectively lower the APY on the account. Deposit accounts at EverBank have been insured by the FDIC since October 1998. The account is FDIC insured up to $250,000. EverBank’s FDIC Cert number is 34775. Accounts can be opened online or by calling EverBank at 888.882.EVER (3837). EverBank High Yield Money Market Account Application. In addition to deposit products including money market accounts and certificate of deposit accounts, EverBank also offers home financing products. EverBank’s current conforming fixed 30 year mortgage rates are under 5.00% at 4.875 percent. Finding a decent bank CD rate has become more and more difficult these days. CD rates have been on the decline for over a year now and seem to hit new lows every week. When you factor in the inflation rate, the return on your money is better than it appears. The Consumer Price Index (CPI) has actually declined by 1.3 percent over the past 12 months. Granted, some consumer items like the price of gas has gone up over past year but other consumer prices have declined during that period. Here is a list of the top 21 three month certificate of deposit yields for zip code 90215 listed in our CD rate tables. You can find a list here: CD Rate Tables
In addition to CD Rate Tables, MonitorBankRates.com also offers free bank rate tables for the following types of accounts and loan categories: Find the best bank rates in your area. CPI data provided by the Bureau of Labor Statistics.
Fifteen year mortgage rates were lower this week over last and 10 year U.S. Treasury yields rose during the holiday shortened week, as of last Friday yields were at 3.43 percent. Current mortgage rates are expected to remain low for now but will start heading up when strong economic data is reported by the government and inflation becomes a real concern. Another factor that will drive mortgage rates higher is the completion of the Fed program to buy $1.25 billion of mortgage-backed securities. The Fed has already started slowing down the purchases and will complete the program in the first quarter of 2009. Looking for mortgage rates? The best mortgage rates can be found by using our mortgage rate tables: Current Mortgage Interest RatesToday’s average mortgage rates on conforming fixed rate 30 year mortgages are at 5.08%, up from last week’s average 30 year rate of 5.02%. Conforming fixed 15 year mortgage interest rates were down this week over last, current mortgage rates are at 4.50%, down from the prior week’s average mortgage rate of 4.60%. Jumbo Mortgage RatesThe average fixed rate 30 year jumbo mortgage is at 5.80% this week, down from the previous week’s average interest rate of 5.86%. Fixed 15 year jumbo mortgage rates were down slightly to 5.35% from 5.36% the prior week. Adjustable Mortgage Interest RatesConforming one-year adjustable mortgage rates are at 4.38% this week, up from last week’s average interest rate of 4.12%. One year jumbo mortgage rates were down considerably this week, current mortgage rates are at 5.49%, down from the prior week’s rate of 5.81%. Conforming 3/1 adjustable rate mortgages are averaging 4.38% this week, down from last week’s average rate of 4.45%. The average rate on a jumbo 3/1 ARM is at 5.53%, down from 5.59%. The average rate on a 5/1 conforming ARM is at 4.16%, up from last week’s average rate of 4.05%. Jumbo 5/1 ARMs are averaging 4.89%, up from the prior week’s average rate of 4.86%. 7/1 conforming ARMs are averaging 4.51%, down from the previous week’s average home loan rate of 4.57%. The average rate for a jumbo 7/1 ARM is at 5.70%, down from 5.71% the prior week. 10/1 conforming ARMs are averaging 4.92% this week, up from last week’s average mortgage interest rate of 4.77%. Jumbo 10/1 ARMs are averaging 6.07%, up from 5.96% Interest-Only (IO) Mortgage RatesThe average conforming 3/1 interest only mortgage rate is at 4.48%, down from the prior week’s average of 4.52 percent. Jumbo 3/1 IO loans are averaging 5.81%, up from 5.62%. 5/1 conforming IO home loan rates averaging 4.22% this week, up from 4.20% the prior week. Jumbo 5/1 IO home loans are averaging 5.31% this week, up from last week’s average rate of 5.29%. Conforming 7/1 IO loans are averaging 4.69%, down from last week’s average interest rate of 4.72%. Jumbo 7/1 IO mortgages are averaging 6.18%, down from 6.26%. Home Equity LoansThe average rate on a 10 year home equity loan is at back under 7.50% at 7.47%, down from the previous week’s average loan rate of 7.65%. 15 year home equity loans are averaging 7.60 percent this week. Home Equity Line of Credit (HELOC)Average home equity line of credit rates are at 4.87 percent this week, down considerably from last week’s average HELOC rate of 5.10 percent.
There are deals and promotional CD rates available these days. Some promo CD rates and yields are a lot higher than the current national average rate. Right now, ING Direct tops our 12 month CD rate chart with an annual percentage yield (APY) of 2.10 percent, almost double the national average rate for a 12 month CD. The minimum deposit for an ING certificate of deposit is just $1.00. Search for CD rates in your area here: CD Rate Charts Average CD Rates
Find the best CD rates in your area by using CD rate tables on MonitorBankRates.com. Find the best CD rates here.
Mortgage RatesThe average 30 year mortgage rate increased to 4.92 percent with an average discount point of 0.7, up from the prior week’s average 30 year rate of 4.87 percent. Even with this week’s increase, 30 year mortgage rates have been below 5.00 percent for three consecutive weeks. A year ago this time 30 year mortgage interest rates were averaging 6.46 percent. 15 year mortgage rates are averaging 4.37 percent with average discount points at 0.7, up from the previous week’s average 15 year mortgage rate of 4.33 percent. Last week’s 4.33 percent was a record low for 15 year rates since Freddie started tracking it in 1991. A year ago, 15 year interest rates were over 6.00 percent at 6.14 percent. 5/1 Treasury indexed adjustable mortgage rates increased to 4.38 percent this week, with an average discount points of 0.6, up from last week’s average 5/1 adjustable mortgage rate of 4.35 percent. The prior week’s rate of 4.35 percent was the lowest since Freddie started tracking it in 2005. One year Treasury indexed adjustable rate mortgages increased to 4.60 percent, with average discount points at 0.5, up from the prior week’s average mortgage rate of 4.53 percent. Last year at this time rates on a one year ARM were at 5.16 percent. Frank Nothaft, Freddie Mac’s vice president and chief economist had the following comments in this week’s PMMS.
Freddie Mac’s survey only reports on conforming mortgage rates, mortgages it buys from lenders. Monitorbankrates.com reported on jumbo rate mortgages earlier this week. Following is that report: Jumbo Mortgage Rates
Looking for today’s mortgage rates? Current rates can be found by using our mortgage rate tables. Find the Best Mortgage Rates
The increase in mortgage interest rates for the week ending October 9 included 30 year mortgage rates, 15 year mortgage rates and one year adjustable rate mortgages. The average contract mortgage rate for a fixed 30 year rate mortgage is back above 5.00 percent at 5.02 percent, up from the prior week’s average rate mortgage loan rate of 4.89 percent. This is the first time since September 15 that 30 year mortgage rates are back over 5.00 percent. Average discount points decreased to 1.11 points from 1.13 points. The average contract mortgage interest rate for a 15-year fixed-rate mortgage increased to 4.44 percent, up from last week’s average contract interest rate of 4.32 percent. Discount points remained the same at 1.04 points. The average contract mortgage interest rate for one year adjustable mortgage rates is at 6.71 percent, up from the previous week’s average rate of 6.56 percent. Discount points increased to 0.32 points from 0.30 points. Earlier this week we reported on jumbo mortgage rates. Following is an excerpt from the report. Jumbo Mortgage Rates
The MBA’s Market Composite Index, which measures home mortgage loan application volume, was down 1.8 percent on a seasonally adjusted basis from the previous week. The Refinance Index, which measures refinance application volume decreased 0.1 percent from the previous week. Looking for mortgage rates? Current rates can be found by using our mortgage rate tables Find the Best Mortgage Rates
Under the original program to help the housing market by lowering mortgage rates, the Fed announced it will buy $1.25 trillion in mortgage-backed securities. The Fed expects to complete the final purchases sometime in the first quarter of 2010. Mortgage rates are expected to go up once the Fed stops buying these securities. Looking for today’s mortgage rates? Find the best mortgage rates by using our mortgage rate tables Find the Best Mortgage Rates Mortgage Rates Current
Jumbo Mortgage Rates
Today’s Adjustable Mortgage Rates
Interest Only Adjustable Mortgage Rates
Home Equity Loan Rates10 year home equity loan rates are averaging 7.47% this week, down from last week’s average home equity loan rate of 7.65%. 15 year home equity loan rates are at 7.60%, down from the prior week’s home equity rate of 8.42% Home Equity Line of Credit RatesHome equity line of credit (HELOC) rates are back under 5.00% this week and still considerably lower than home equity loan rates. Current HELOC rates are averaging 4.86% this week, down from the previous week’s average HELOC rate of 5.10%.
As with all high yield checking accounts, there is a certain number of monthly transactions that have to be done every month to qualify for the high yield. The 4.51% APY checking account is higher than current CD rates and online savings account rates but if you don’t meet the monthly qualifications per statement cycle the account APY is only .12%. The bank will also reimburse up to $25.00 in ATM fees per statement cycle. Reward checking accounts can be opened with only a $50 minimum deposit. The minimum requirements on the Bank of The Sierra account include the following:
Wells Fargo just released some new details about their Way2Save account. The Way2Save account was started by Wachovia Bank and has been continued by Wells Fargo after they acquired Wachovia. First some details on the Way2Save account. The account is a savings account that is linked to your checking account. Every time you make a transaction from your checking account, $1.00 is deposited into your Way2Save savings account. Transactions eligible include using your Wachovia Check Card to make a purchase, automatic payments and paying a bill online. You also receive a higher yield on the savings account and a one-time anniversary bonus. Way2Save Account Application The new details on the account include offering the account in Washington and Minnesota. The account will also be available in the State of Colorado in November. On the Wells Fargo – Wachovia Blog, Matt Wadley had the following comments about the Way2Save account.
Earlier this week the U.S. Treasury Department issued a press release saying that 500,000 mortgage loans have been modified under the Making Homes Affordable Program. The 500,000 mortgage loan modification goal was set in July of 2009 and was achieved ahead of the November 1, 2009 goal date. Along with the government’s push to have mortgage loans modified, lower current mortgage rates have also helped the process along by making it easier to modify home mortgage loans since the monthly payment costs are lower. Home loan modifications are now being issued at a faster rate than new homeowners are becoming eligible. The Obama Administration also believes there are more mortgage loans that can be modified and more can be done to assist struggling homeowners and help stabilize the housing market. Treasury and HUD officials also held a series of meetings with home loan servicers this past week to improve the process. If you’re struggling with your mortgage payments, you should look into the Making Home Affordable Program to see if you’re eligible. Even if you’re eligible to have your mortgage modified, it won’t be an easy process. You can lean more about the program from the government’s website, MakingHomeAffordable.gov. There have been reports of mortgage service providers and banks repeatedly losing paperwork submitted by homeowners to have their loans modified, along with other horror stories of folks losing their homes while waiting for their loans to be modified. So you should look into the program right away if you’re struggling with your mortgage payments.
The rate tables include new car loan rates and used car loan rates. Auto loan rate tables include 36 months car loan rates, 60 month, and 48 month car loan rates as well 48 months used car loan rates. The auto loan rates include rates from both banks and credit unions. On a new $40,000 car, a 60 month car loan in the state of California, we were given rates from about twenty banks and credit unions. The best rate was 3.99 percent from Pentagon Federal Credit Union (PenFed). The rate tables also include loan points and how much the monthly payment would be on the loan amount entered. Give the auto loan rate tables a try to find the best rates in your state.
Average CD rates have been on a decline for over a year now. One of the best CD rate deals out there now includes H&R Block Bank’s 6 month CD, which currently has an annual percentage yield of 2.00 percent. The average rate for a 3 month CD is down to 0.605 percent this week, down from last week’s average rate of 0.682 percent. Broadway National Bank is offering one of the top CD rates for a 3 month CD with the yield currently at 1.35 percent. 6 month certificate of deposits are averaging 0.878 percent, down from last week’s average rate of 1.024 percent. Community Fed Savings Bank is also offering one of the highest CD rates for a 6 month CD. The APY is 2.00. Average rates on 12 month CDs are currently at 1.161 percent, down from the prior week’s average rate of 1.343 percent. The average rate for an 18 month certificate of deposit is at 1.325 percent this week, down from last week’s average CD rate of 1.541 percent. Two year certifcate of deposit rates are averaging 1.631 percent, down from the previous week’s average rate of 1.801 percent. Average rates on 3 year CDs are at 1.934 percent, down from last week’s average rate of 2.116 percent. The average rate for a 4 year certificate of deposit is currently at 2.164 percent, down from 2.322 percent. 5 year certificate of deposit rates are averaging 2.433 percent, down from the previous week’s average rate of 2.562 percent.
This yield is for CD accounts that are opened with money not currently deposited with ING Direct, also known as “new money.” If you open a one year certificate of deposit account with monies already deposited with ING Direct, the APY is 2.10 percent – still one of the best bank cd yields available today. Both one year CD rates are a lot higher than the national average CD rates available today. Today’s one year national average CD rate is 1.165 percent. The rates are currently higher than all of ING Direct’s other certificate of deposit terms, including their longer term 5 year CDs which have a current APY of 1.75 percent.
Mortgage Rates CurrentFor the week ending October 8, 2009, 30 year mortgage rates are at 4.87 percent, down from the prior week’s average mortgage rate of 4.94 percent. Average discount points remained the same at 0.7 points. 30 year mortgage rates are at the the lowest level since May of 2009. A year ago at this time 30 year mortgage interest rates were averaging 5.94 percent. The average 15 year mortgage rate is down to 4.33 percent from the previous week’s average mortgage rate of 4.36 percent. This is the lowest 15 year mortgage rate since Freddie started tracking it in 1991. Average discount points are at 0.7 points. Last year at this time 15 year home loan rates were at 5.62 percent. Adjustable Mortgage Rates5 year Treasury Indexed adjustable mortgage rates are at 4.35 percent this week, down from last week’s average loan rate of 4.42 percent. Average discount points on a 5/1 ARM are at 0.5 points. This low mortgage rate is the lowest 5 year rate since Freddie starting tracking it in 2005. One year Treasury Indexed adjustable rate mortgages were higher this week, the current one year ARM is at 4.53 percent, up from the prior week’s average home loan rate of 4.49 percent. Average discount points are at 0.5 points. Freddie Mac’s vice president and chief economist Frank Nothaft had the following comments about current mortgage rates:
According to the Mortgage Bankers Association, “Such low rates are spurring mortgage demand. Mortgage applications surged to a 19-week high over the week ending on October 2nd. Moreover, applications for home purchases were at the strongest pace since the beginning of this year.”
Looking for Auto Insurance? Find Auto Insurance Companies Offering Auto Insurance Coverage in Your Zip Code Here: Auto Insurance Auto Insurance BasicsYou pay an insurance premium for an auto insurance policy. How much you pay will depend on where you live, the type of auto you are insuring, your age and the amount of auto insurance coverage you wish to have. Getting auto insurance coverage for a new driver, like a teenage driver, will be more costly since accident rates are higher with younger, inexperienced drivers. For the auto insurance premium you pay, the insurance company agrees to pay certain expenses and legal liabilities if you’re involved in an accident or if you damage another vehicle. How much is paid also depends on the terms of your insurance policy. There are several different types of auto insurance, including collision insurance, which will pay for damage to your automobile if you are in an accident involving another car or object, including damage created by potholes. Collision insurance will not pay for damage from a flood or cover theft. For more complete coverage, you may want to get comprehensive insurance which picks up where collision leaves off, including loss due to theft or damage caused by fire, falling objects, missiles (yes, missiles), explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Each policy differs, so all specifics must be clarified when you determine what policy best suits your needs. If you have financed your auto, the bank holding the lien will require you to have a certain level of auto insurance coverage to protect their interests. Find Auto Insurance Companies offering coverage in your area here. Best Auto Insurance Rates
The Market Composite Index, which measures mortgage loan application volume, increased 16.4 percent on a seasonally adjusted basis from one week earlier. Looking for mortgage rates? Current mortgage rates can be found by using our mortgage rate tables which list today’s mortgage rates in your state or zip code. Find the Best Mortgage Rates The MBA’s Refinance Index, which measures refinance activity, increased 18.2 percent from the previous week. The seasonally adjusted Purchase Index, which measures home mortgage volumes for home purchases, increased 13.2 percent from one week earlier. Current Mortgage RatesCurrent 30 year mortgage rates are nearing a five month low at 4.89 percent, down from the previous week’s average contract mortgage rate of 4.94 percent. This is the third consecutive week where the 30-year fixed mortgage rates are below 5 percent in the survey. Discount points increased to 1.13 from 0.94 the prior week. The average contract rate on 15 year mortgage rates was also down this week, the current mortgage rate is 4.32 percent, down from the prior week’s average mortgage rate of 4.34 percent. This mortgage interest rate is the lowest on record in the mortgage survey. Discount points increased to 1.04 from 1.o1. The average contract rate on one year adjustable mortgages increased to 6.56 percent this week, up from last week’s average contact mortgage rate of 6.40 percent. Discount points increased to .30 this week, up from the previous week’s average discount points of .29. Jumbo Mortgage RatesThe MBA doesn’t report on current jumbo mortgage rates in the survey. For more information on jumbo mortgage rates read MBR’s weekly jumbo mortgage rate report. Today’s Jumbo Mortgage Rates
The CD rate is a special online CD promotion that isn’t available at branch locations. The minimum deposit to open a certificate of deposit account and receive this promotional rate is $5,000. Interest is compounded daily and paid or reinvested into the certificate of deposit account monthly or at maturity. The early withdrawal penalty is six months of simple interest on the rate being paid on the amount withdrawn. OneWest Bank is also currently paying the following CD rates and CD yields.
To qualify for the promo bonus, you first must open your online savings account or money market account with Capital One Direct and deposit at least $10,000 by November 25, 2009 to receive a $25.00 promotional bonus. When you open the money market account or online savings account you must use promotional offer code SAVER25DF. The savings account or money market account must be your first account with Capital One Direct Banking. The account you open must also remain open for 4-8 weeks after November 25, 2009 and during this time the $25 promo bonus will be deposited into your account. The online savings account rate is very competitive with other savings account rates available today. The savings rate is also competitive with 12 month CD rates available these days. The annual percentage yield is currently 1.60% for account balances of $10,000 or more. Savings account balances of less than $10,000 receive an annual percentage yield of 0.60%.
The final rule amends Regulation Z (Truth in Lending) and was adopted under the Home Ownership and Equity Protection Act (HOEPA). New rules include the following:
Other rules that govern a home mortgage loan that is secured by a borrower’s principal home of any loan amount include the following:
New mortgage rate advertising standards include additional information about mortgage rates and monthly mortgage payments. The final rule also bans seven deceptive or misleading advertising practices, including representing that a mortgage rate or mortgage payment is “fixed” when it can change.
If you’re like most people, you might have either a 401k plan, an IRA, an annuity and possibly even a pension. Other popular sources of income in retirement include certificate of deposit accounts and reverse mortgages. Figuring out the monthly income for all sources might take professional help but figuring out your Social Security benefits is a snap. Figuring out how much your social security benefits will be is easy by using the Social Security Administrations’ Retirement Planner. The planner includes a table to help you figure out at what age you can retire and if you retire early, how much your Social Security benefits will be reduced. The Retirement Estimator will help you figure out how much Social Security benefits you will actually receive based on your actual Social Security earnings on record. Your earnings (in this case) are how much you have paid into Social Security over the years. There are benefit calculators to figure out how much your potential Social Security benefits might be. These calculators give you a rough estimate of what your retirement benefits will be and are not based on your actual earnings record.
Planning on working even when you reach retirement age? You do have the option to continue working even though you collect Social Security retirement benefits but your benefits will be reduced. Find out how much your retirement benefits will be reduced by here: Reduced Retirement Benefits. If you’re near retirement, you can start the process and apply for Social Security benefits online. Social Security Retirement Benefit Application. You can also call the Social Security Administration at 1-800-772-1213 to schedule an appointment to apply in person.
30 year jumbo mortgage rates were also lower this week but 15 year jumbo mortgage rates increased over last week. 10-year Treasury yields were also lower this past week, touching a low of 3.14 percent early Friday morning, down from 3.30 percent earlier in the week. The recession is expected to end next quarter but growth won’t be as strong as previous recoveries, primarily due to tight credit and the need for households to unload debt. Looking for the best mortgage rates? Use our mortgage rate tables to find today’s mortgage rates in your state or zip code. Best Mortgage Rates Here Current Mortgage RatesConforming 30 year mortgage rates are currently lower this week than last week, current mortgage rates are at 5.00 percent, down from last week’s average mortgage rate of 5.08 percent. Conforming 15 year mortgage rates are back under 4.50 percent at 4.45 percent, down from the prior week’s average mortgage rate of 4.57 percent. Jumbo Mortgage Rates30 year jumbo mortgage rates are currently lower this week, current mortgage rates are at 5.83 percent this week, down from last week’s average mortgage rate of 5.98 percent. 15 year jumbo mortgage rates are up this past week, the current jumbo mortgage rate is at 5.57 percent, up from last week’s average mortgage rate of 5.46 percent. Adjustable Mortgage RatesAdjustable mortgage rates are also mixed this past week.
Mortgage Rates Interest Only
Home Equity
Mortgage Rate WidgetGet this free mortgage rate widget for your website. Mortgage rates are listed nationally or by state and are updated daily. The widget is great for real estate agents, financial websites or any other website that is giving their readers a list of current mortgage rates. Get your free mortgage rates widget.
Mortgage rates on FHA loans are comparable to conforming mortgage rates but there are upfront fees on FHA mortgages that increase the cost of the home loan. FHA Mortgage RatesFHA mortgages are becoming popular again because borrowers can no longer get home loans with a zero percent down payment, most banks are once again requiring a 20 percent down payment. Some banks also require a down payment of more than 20 percent for jumbo mortgages. With a FHA home loan you can finance up to 97% of the purchase price of a home. Lending standards have tightened again because of the housing bust so folks have naturally looked towards these home loans again. A three percent down payment is very appealing, especially to first time home buyers. FHA Home Loan Resources
Looking for the home loan mortgage rates? Use our mortgage rate tables to find mortgage interest rates in your state or zip code. Mortgage Rates Current
The minimum opening account balance for the online savings account is only $500. There is also a maximum savings account opening balance of $25,000. Considering the national average savings account rate is only 0.390 percent for account balances of $2,500 an annual percentage yield of 2.25 percent is a really good deal. SFGI Direct savings accounts are opened online and funded through an electronic deposit, you can’t use paper checks at this time to fund the savings account. SFGI Direct only offers individual savings accounts or joint savings accounts. The bank doesn’t offer business savings accounts or Individual Retirement Accounts. SFGI Direct Online Savings Account Application.
Looking for the best auto insurance rates? Use our auto insurance search engine to find the best car insurance companies and rates in your zip code. Find Auto Insurance Companies. Best Auto Insurance RatesYou need to have auto insurance to register a vehicle in the state you live in. Auto insurance coverage will pay medical expenses for your family and others if you have an accident. Auto insurance also will provide coverage for property damage to your vehicle, other vehicles and general property damage. Without the proper auto insurance coverage you will be putting yourself at financial risk if you have an accident. How much auto insurance you need will be determined by how much you need to register your vehicle in your state and how much you feel comfortable having. Having too little car insurance might not fully cover your expenses related to an accident. When shopping for auto insurance be sure to compare the same types of insurance coverage each auto insurance company will give you. Find auto insurance companies offering coverage in your zip code here. Auto Insurance Companies
CD rates have been slowing treading down since late last year. The average 2 year CD rate last year was around 5.00 percent. Here are the top ten 2 year CD rates at banks listed in zip code 30305 at MonitorBankRates.com. Top Ten 2 Year CD Rates at Banks
Other banks offering a 2.00 yield for a 2 year certificate of deposit include, Citibank ($10,000 minimum deposit), Bank of Internet USA ($1,000 minimum deposit), EmigrantDirect.com ($1,000 minimum deposit), UFB Direct ($8,000 minimum deposit) and Georgia Bank & Trust ($500 minimum deposit).
Unfortunately those days are gone for now, hopefully by the spring of 2010 rates will start heading up again, the key factor being the economic recovery. Economists expect GDP to grow this quarter and next but if the recovery isn’t sustainable and doesn’t continue into next year the Fed won’t raise the Fed funds rate because inflation won’t be a concern. A low Fed funds rate which currently has a targeted range of zero percent to 1/4 percent will keep a cap on CD rates. If the opposite happens and the recovery has legs, the Fed will be concerned about inflation and possibly will raise interest rates which will drive banks to increase interest rates on deposit accounts like certificate of deposit accounts and savings accounts. Unfortunately a higher Fed funds rate will also drive mortgage rates higher as well. CD Rates & CD Yields
Longer Term Bank CD Rates & Bank CD Yields
Find the best bank CD rates in your zip code my searching our CD rate tables: Best CD Rates
The new legislation prohibits credit card issuers or banks from issuing credit cards to anyone under 21 unless they have an adult co-signer or proof that they can cover the monthly credit card payments. The changes are actually a good thing for young adults who probably haven’t yet learned how to manage credit wisely. Looking for a Student Credit Card? Use our Credit Card Search Engine to find Student Credit Cards: Student Credit Cards Sallie Mae, the company that provides federal and private student loans for undergraduate and graduate students, did a study that found 84% of undergraduates have one credit card and 50% carry four or more credit cards. Young adults graduating with credit card debt with exhorbitant interest rates are creating a financial burden for themselves. Now that you will probably be co-signing a credit card application with your child and you’ll be on the hook financially, you should make sure your child understands how to use credit to their advantage and not to their detriment. A good place to start is to educate your child about credit first. The following are some tips on building credit. Credit is a good thing when used properly and teaching your child how to use credit properly will benefit him or her for the rest of their life. Helping them build a credit history early on will raise their credit score and lower the rates they will be offered in the future, enabling them to get a lower mortgage rate when buying their first home.
The National Association of Realtors released their Pending Home Sales Index, which is based on signed contracts. The index is up 6.4 percent to 103.8, this is the seventh consecutive month of gains and also the longest consecutive month-on-month gain in the history of the index. Looking for the best mortgage rates? Use our mortgage rate tables to find mortgage interest rates in your state or zip code. Today’s Mortgage Rates Here Current Mortgage RatesCurrent mortgage rates for 30-year mortgages are averaging at 4.94 percent this week, down from the previous week’s average mortgage rate of 5.04 percent. Discount points are averaging 0.7 percent this week. A year ago at this time 30-year mortgage rates were over 6.00 percent at 6.10 percent. 15-year mortgage rates are averaging 4.36 percent this week, down from last week’s average mortgage rate of 4.46 percent. This rate is the lowest on record since Freddie Mac started tracking it in 1991. Discount points are averaging 0.6 percent. A year ago at this time 15-year mortgage rates were averaging 5.78 percent. Adjustable mortgage rates are also down this week. Current 5-year adjustable mortgage rates are down to 4.42 percent this week, down from the prior week’s average mortgage rate of 4.51 percent. Points are averaging 0.6 percent this week. One-year adjustable mortgage rates are down to 4.49 percent this week, down from last week’s average rate of 4.52 percent. Discount points are averaging 0.5 percent this week. A year ago, one year adjustable mortgage rates were averaging 5.12 percent.
You can find 12 month bank CD rates above the national average rate. There are several banks that offer 12 month CD rates around 2.00 percent. One of the highest 12 month certificate of deposit yield available is from Bank of Internet. The bank’s current 12 month CD yield is 2.15 percent. You can open a Bank of Internet certificate of deposit here. Bank of Internet 12 month CD Yield 2.15% Here is a list of the top ten – 12 month certificate of deposit yields. Bank CD Rates
CD rates above are current as of 10/1/09. Find the best CD rates in your area by viewing our CD rate tables. You can find the highest CD rates from 3 months to 5 years. CD Rate Table Search. |
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Average CD rates headed slightly lower again this week over last, continuing the year long trend down. There is hope for the future direction of 
After four straight quarters of declines in Gross Domestic Product (GDP) the U.S. economy expanded by a healthy 3.5 percent in the third quarter of 2009 according to The Bureau of Economic Analysis.
Mortgage rates were up slightly in this week’s Primary Mortgage Market Survey released by Freddie Mac. For the first ten months of 2009 the average 30 year mortgage rate was just under 5.00 percent, the lowest 10 month average mortgage rate since the survey started in 1971.
The national average savings account rate/money market account rate is rather pathetic these days.
New home sales dropped 3.6 percent in September in a report released by the 
Current mortgage rates are mixed this week, 30-year conforming fixed mortgage rates are down and 30-year jumbo mortgage rates are higher this week over last.
Bank CD rates
The National Association of Realtors (
Getting out from under a mountain of credit card debt isn’t an easy thing to do. Many people are able to consolidate credit card debt and 
The two main types of life insurance are 
Freddie Mac released its Primary Mortgage Market Survey (
Current 12 month certificate of deposit rates are averaging only 1.146 percent this week but you can find 
The 
EverBank of Jacksonville, Florida, is offering a money market account ( ”Yield Pledge Money Market Account”) that currently has an annual percentage Yield (APY) of 2.51% for the first three months.
Mortgage interest rates were mixed this past week, 30 year mortgage rates stayed above 5.00 percent this week and are slightly higher than last week’s average mortgage rate.
Average CD rates were lower in all certificate of deposit categories this week. The declines were small this week compared to last week. 
The Mortgage Bankers Association (MBAs,) released its weekly 
Mortgage rates are lower this week compared to last week but conforming 30 year mortgage rates are back above 5.00%. Despite the Federal Reserve’s announcement that it was going to gradually slow down the pace of buying mortgage-backed securities, mortgage rates have been slowly drifting down the past several weeks.
Bank of The Sierra is offering one of the best 
MonitorBankRates.com has just released new 
Bank CD rates
ING Direct has two of the best CD rates available today for a one year certificate of deposit. The bank is offering two different 
Freddie Mac
If you have a vehicle, automobile insurance is a must as well as legally registering it in the state of residency. Auto insurance provides insurance protection that will pay for losses due to damage to your vehicle.
The 
OneWest Bank, formerly IndyMac Bank before it was rescued by the Federal Deposit Insurance Corporation (FDIC) last year, is offering one of the 
Capital One Direct, the banking arm of the 
Last July the Federal Reserve approved final rules regarding home mortgage loans that took effect October 1, 2009. The rules are designed to better protect consumers by facilitating responsible home mortgage lending by banks, mortgage companies and mortgage brokers… something that wasn’t done during the go-go years of the housing bubble.
Having a comfortable lifestyle in retirement is the goal for most people when they retire. Maintaining your existing lifestyle on less income can be challenging. In fact, figuring out how much income you’ll need to retire on is a challenge in itself. 
Current mortgage rates were mixed this past week. Conforming 30 year mortgage rates and 15 year mortgage rates are lower this week compared to last week.
Home loans from the Federal Housing Administration (FHA) are available for home buyers who meet certain standard FHA credit qualifications.
SFGI Direct, the online banking division of Summit Community Bank, is offering a high yield savings account that currently has an annual percentage yield of 2.25 percent.
There are tons of comparisson shopping sites for finding the best auto insurance rates (best car insurance rates). Consumers have the ability to quickly compare auto insurance rates from several different auto insurance companies in their state.
2 year 
Bank CD rates continue to make new lows this week with no end in sight to the declines. 
Getting a 
30-year mortgage rates reached a four month low in Freddie Mac’s current Primary Mortgage Market Survey. Low mortgage rates continue to help the housing market recover from the speculative bubble over the past several years.
Finding a decent CD rate isn’t easy these days. The national average 12 month 
