One Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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One Credit Union12-month CD rates can be found at 3.10%, 6-month CD rates at 4.00% and 3-month CD rates at 3.00%. Savings rates are at 0.15% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 6.38%. Credit Card rates are at 9.50%. Personal Loan rates are at 8.50%. All these rates, and more, can be found in our database of rates which you can compare to One Credit Union rates.

Compare One Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of One Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

One Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at One Credit Union? Share your experience about One Credit Union by leaving a review below, or read customer reviews before you decide to use One Credit Union.

Overall, One Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
One Credit Union
Niagara Center
130 S Elmwood Ave Ste 126
Buffalo, NY 14202 2465
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare One Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Atkins Savings B&T
Atkins Savings B&T
6-Month CD
4.30%
$1,000
Belt Valley Bank
Belt Valley Bank
3-Month CD
4.16%
$500
Garden Plain State Bank
Garden Plain State Bank
12-Month CD
4.16%
$1,000
Canyon View Credit Union
Canyon View Credit Union
18-Month CD
4.11%
$500
Carver Federal Savings Bank
Carver Federal Savings Bank
High Yield Savings
4.00%
$5,000
Farmers Bank of Appomattox
Farmers Bank of Appomattox
18-Month CD
3.75%
$1,000
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
48-Month CD
3.75%
$1,000
LendingClub
LendingClub
12-Month CD
3.75%
$500
Solvay Bank
Solvay Bank
12-Month CD
3.75%
$2,500
Beal Bank
Beal Bank
Statement Savings
3.75%
$500
Bank of Star Valley
Bank of Star Valley
60-Month CD
3.65%
$250
Communitywide Federal Credit Union
Communitywide Federal Credit Union
60-Month CD
3.40%
$1,000
Bonanza Valley State Bank
Bonanza Valley State Bank
48-Month CD
3.30%
$500
First State Bank Stuart, IA
First State Bank Stuart, IA
24-Month CD
3.25%
$500
Ponce Bank
Ponce Bank
60-Month CD
3.25%
$1,000
Woodruff Federal S&L
Woodruff Federal S&L
24-Month CD
3.14%
$1,000
Corebank
Corebank
12-Month CD
3.05%
$1,000
Headwaters State Bank
Headwaters State Bank
36-Month CD
3.02%
$1,000
Bell Bank
Bell Bank
18-Month CD
3.02%
$500
Commerce Bank & Trust Winter Park, FL
Commerce Bank & Trust Winter Park, FL
24-Month CD
3.00%
$0
Community Bank Bristow, OK
Community Bank Bristow, OK
18-Month CD
3.00%
$1,000
Bell Bank
Bell Bank
36-Month CD
3.00%
$500
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
12-Month CD
2.89%
$500
New Haven Bank
New Haven Bank
48-Month CD
2.75%
$500
Longview Bank
Longview Bank
48-Month CD
2.50%
$500
Walpole Co-operative Bank
Walpole Co-operative Bank
48-Month CD
2.40%
$1,000
First Southern State Bank
First Southern State Bank
18-Month CD
2.02%
$500
Gorham Savings Bank
Gorham Savings Bank
48-Month CD
2.00%
$500
Associated Bank
Associated Bank
12-Month CD
2.00%
$1,000
Frontier Bank Sioux Falls, SD
Frontier Bank Sioux Falls, SD
18-Month CD (Rate Riser)
1.66%
$1,000
Swedish-American State Bank
Swedish-American State Bank
24-Month CD
1.61%
$500
BankPurley
BankPurley
Savings
1.50%
$100
Root River State Bank
Root River State Bank
12-Month CD
1.40%
$300
Penn Community Bank
Penn Community Bank
60-Month CD
1.25%
$500
Kish Bank
Kish Bank
120-Month CD
1.15%
$2,000
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
12-Month CD
1.15%
$500
Fulton Bank
Fulton Bank
60-Month CD
1.01%
$1,000
The Apple Creek Banking Company
The Apple Creek Banking Company
Premier Savings
0.75%
$25,000
Bank of Rantoul
Bank of Rantoul
Christmas Savings
0.50%
$2
Bank of Hindman
Bank of Hindman
3-Month CD
0.50%
$1,000
Mid-America Bank
Mid-America Bank
Savings
0.25%
$50
First Horizon
First Horizon
12-Month CD
0.10%
$1,000
Clare Bank
Clare Bank
12-Month CD
0.10%
$500
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
First Choice Checking
0.10%
$1,000
Marion Center Bank
Marion Center Bank
18-Month CD
0.10%
$1,000
First Citizens Bank
First Citizens Bank
Online Savings
0.10%
$50
Columbia Bank
Columbia Bank
Yield Money Market
0.05%
$1,500
North Central Bank
North Central Bank
Money Market
0.04%
$2,500
Farm Bureau Bank FSB
Farm Bureau Bank FSB
FB Member Money Market
0.01%
$1
Henderson State Bank
Henderson State Bank
18-Month CD
0.00%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare One Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
A+ Federal Credit Union
A+ Federal Credit Union
15-Year Fixed
5.375%
5.476%
0.000
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
15-Year Fixed
5.500%
5.556%
0.000
The Golden 1 Credit Union
The Golden 1 Credit Union
15-Year Fixed
5.625%
5.625%
0.125
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
15-Year Fixed
5.500%
5.691%
0.471
NASA Federal Credit Union
NASA Federal Credit Union
15-Year Fixed
5.500%
5.770%
0.000
Credit Human Federal Credit Union
Credit Human Federal Credit Union
15-Year Fixed
5.650%
5.784%
0.000
Greenville National Bank
Greenville National Bank
15-Year Fixed
5.625%
5.790%
0.000
Auburn Savings Bank
Auburn Savings Bank
15-Year Fixed
5.756%
5.845%
0.000
Golden Belt Bank, FSA
Golden Belt Bank, FSA
15-Year Fixed
5.875%
5.927%
0.000
River Falls State Bank
River Falls State Bank
15-Year Fixed
5.750%
5.958%
0.000
WVS West View SB
WVS West View SB
15-Year Fixed
5.750%
6.034%
0.000
Luana Savings Bank
Luana Savings Bank
30-Year Fixed
6.000%
6.047%
0.000
Service Federal Credit Union
Service Federal Credit Union
7/1 ARM
5.500%
6.054%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
30 Year Fixed
6.000%
6.067%
0.000
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union
20 Year Fixed
6.000%
6.079%
0.000
USB Union Savings Bank
USB Union Savings Bank
15-Year Fixed
5.875%
6.087%
0.000
Citizens Bank
Citizens Bank
15-Year Fixed
6.000%
6.123%
0.375
First Security B&T Co. IA
First Security B&T Co. IA
15-Year Fixed
5.500%
6.123%
0.000
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
30-Year Fixed
6.125%
6.159%
0.000
Sikorsky Credit Union
Sikorsky Credit Union
5/5 ARM
5.375%
6.167%
0.000
Fidelity Co-operative Bank
Fidelity Co-operative Bank
15-Year Fixed
5.875%
6.170%
0.000
L and N Federal Credit Union
L and N Federal Credit Union
15 Year Fixed
6.000%
6.173%
0.000
Credit Human Federal Credit Union
Credit Human Federal Credit Union
30-Year Fixed
6.100%
6.182%
0.000
State Employees Credit Union
State Employees Credit Union
20-Year Fixed
6.075%
6.186%
0.000
Greenfield Banking Company Greenfield, IN
Greenfield Banking Company Greenfield, IN
15-Year Fixed
5.875%
6.205%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare One Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
1st United Credit Union
1st United Credit Union
Visa Platinum
13.900%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
Abbey Credit Union
Abbey Credit Union
VISA® Gold
11.960%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
Acipco Federal Credit Union
Acipco Federal Credit Union
Visa Credit Card
9.990%
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
ACFCU
ACFCU
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
Achieve Financial Credit Union
Achieve Financial Credit Union
Visa Platinum with Rewards
9.900%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Secured
18.000%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Inspire Mastercard
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
705 Federal Credit Union
705 Federal Credit Union
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Canyon View Credit Union
Canyon View Credit Union
Visa Student Rewards Card
17.990%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Classic
13.500%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC REWARDS VISA
18.000%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
AAC Credit Union
AAC Credit Union
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Rewards Credit Card
14.240%
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare One Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Acadia Federal Credit Union
Acadia Federal Credit Union
Personal Loans
11.900%
$0 - $15,000
24 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Abri Credit Union
Abri Credit Union
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
360 Federal Credit Union
360 Federal Credit Union
Term Line of Credit 84 months
8.000%
$0
ACFCU
ACFCU
Line of Credit
13.700%
$0
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
11.240% - 17.950%
$0
25 - 36
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
Personal Loans
7.990%
$0 - $30,000
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Personal Loan
10.990%
$0 - $10,000
60 - 60
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
13.060%
$0
1 - 36
AAC Credit Union
AAC Credit Union
Signature Loans
12.990%
$0
48
705 Federal Credit Union
705 Federal Credit Union
Personal Loan
12.250% - 17.000%
$0 - $20,000
AAC Credit Union
AAC Credit Union
Personal Loans Share Secured
5.990%
$0
48
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Personal Loan Rates
5.740%
$0
1 - 36
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
12.740%
$0 - $50,000
61 - 72
A+ Federal Credit Union
A+ Federal Credit Union
A+ Preferred Line Of Credit
10.990%
$0
802 Credit Union
802 Credit Union
Personal/Signature
10.990%
$0
24 - 36
InFirst Bank
InFirst Bank
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
Alec Federal Credit Union
Alec Federal Credit Union
New Signature Loans
8.990%
$0
360 Federal Credit Union
360 Federal Credit Union
Debt Consolidated
9.490%
$500
36
ACFCU
ACFCU
Personal Loans
13.450%
$0
60
Acadian Federal Credit Union
Acadian Federal Credit Union
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Achieve Financial Credit Union
Achieve Financial Credit Union
Student Loan Consolidation
5.490%
$0
Acipco Federal Credit Union
Acipco Federal Credit Union
Signature Loan
10.000%
$0
1 - 36
ACMG Federal Credit Union
ACMG Federal Credit Union
Personal Loans
8.990%
$0
36
Suncoast Credit Union
Suncoast Credit Union
Personal Signature Loan
11.000%
$0
96
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have One Credit Union rate data right now, check back for updates, we are adding rates all the time.

One Credit Union Information

Credit Union Name: One Credit Union
Full Time Employees: 13
Part Time Employees: 1
President: Kimberly Wallace
CEO: James Furman
Branch Locations: 2
ATM Locations: 3
Corporate Office Address:
130 S Elmwood Ave Ste 126
Buffalo, NY 14202 2465
Phone Number: 716-842-1320
Fax Number: 716-842-1623

One Credit Union Financials

Total Assets:
81,901,427
Total Amount of Shares and Deposits:
72,349,300
Total Shares and Deposits < 1 Year:
71,966,899
Total Shares and Deposits 1 3 Years:
363,797
Total Shares and Deposits > 3 Years:
18,605
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,255,997
Total Uninsured Shares and Deposits > $250K (F+J):
1,255,997
Total Insured Shares and Deposits > $250K (item 17 less item K):
71,093,303
Total Interest Expense (Sum of items 6 8):
44,192
Share Certificates:
258
Number of Accounts for Share Drafts:
3,700
IRA KEOGH Accounts:
66
Number of Accounts for Regular Shares:
7,520
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
7,976,950
Total Liabilities:
74,531,726
Show More

One Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
No
Approved Mortgage Seller?:
No
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
No
Are New Loans Available:
Yes
New Share Account:
No
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
No
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

This Past Week's CD Rate Changes

Eight banks and one credit union in our database changed some of their CD rates this past week. Most of the CD rate changes were higher, which was nice to see. EverBank CD rates were changed more than once this past week, the most recent changes are at the top of the rate list below.

There is some good news regarding bank CD rates possibly moving higher in the near future. Despite September's employment numbers being slightly weaker than expected, CNBC reported the probability of a fed rate hike moved higher this morning. CNBC is basing their report on the CME Group's FedWatch Tool. The tool is used to track the market's expectation of a rate hike. Before the employment report, the probability of a December rate hike was at 63.9 percent. After Friday's report was released, it moved up to 70.2 percent.

If there is a December rate hike, it will most likely be 25 basis points. This hike might entice banks to increase their short term and intermediate term CD rates. If there is a rate hike, we won't see all banks and credit union increase their CD rates. It's likely that some online banks with the highest current CD rates will increase their rates.

    Read more...

Most CD Rate Changes This Past Week Were Higher

Four banks and one credit union changed their CD rates this past week. The good news is most of the CD rate changes were higher, despite the fact that the Fed didn't increase the fed funds rate. 24 CD rate changes were made last week and only two CD rates were lowered, both from Connexus Credit Union.

You can see how the CD rates listed below compare with other rates available by searching our database of CD rates at MonitorBankRates.com.

Advertiser

ProductRate (new / old)Yield (new / old)
Connexus Credit Union2 yr CD1.49 / 1.521.5 / 1.53
E-Loan1 yr CD1.29 / 1.251.3 / 1.26
E-Loan2 yr CD1.54 / 1.491.55 / 1.5
E-Loan3 yr CD1.59 / 1.541.6 / 1.55
E-Loan1 yr jumbo CD1.29 / 1.251.3 / 1.26
E-Loan2 yr jumbo CD1.54 / 1.491.55 / 1.5
E-Loan3 yr jumbo CD1.59 / 1.541.6 / 1.55
EverBank3 yr CD1.59 / 1.51.6 / 1.51
EverBank5 yr CD1.89 / 1.841.91 / 1.86
EverBank5 yr jumbo CD1.89 / 1.841.91 / 1.86
EverBank3 yr jumbo CD1.59 / 1.51.6 / 1.51
EverBank4 yr CD1.76 / 1.741.78 / 1.76
EverBank4 yr jumbo CD1.76 / 1.741.78 / 1.76
Connexus Credit Union1 yr CD1.29 / 1.321.3 / 1.33
Popular Direct1 yr CD1.29 / 1.251.3 / 1.26
Popular Direct2 yr CD1.54 / 1.491.55 / 1.5
Popular Direct3 yr CD1.59 / 1.541.6 / 1.55
Luana Savings Bank2.5 yr jumbo CD1.15 / 1.11.15 / 1.1
Luana Savings Bank18 month IRA CD0.9 / 0.850.9 / 0.85
Luana Savings Bank18 month jumbo CD0.95 / 0.90.95 / 0.9
Luana Savings Bank3 yr jumbo CD1.25 / 1.21.25 / 1.2
Luana Savings Bank18 month jumbo IRA CD0.9 / 0.850.9 / 0.85
Luana Savings Bank4 yr jumbo CD1.4 / 1.351.41 / 1.36
    Read more...

Current CD Rate Changes from Banks and Credit Unions

Several banks and one credit union made changes to the CD rates they offer. The CD rate changes are listed below. You can see a list of rates from many banks and credit unions at MonitorBankRates.com.

BankProductRate (New / Old)Yield (New / Old)
CIT Bank5 yr CD2.08 / 2.182.10 / 2.20
CIT Bank5 yr jumbo CD2.13 / 2.232.15 / 2.25
CIT Bank5 yr IRA CD2.08 / 2.182.10 / 2.20
CIT Bank5 yr jumbo IRA CD2.13 / 2.232.15 / 2.25
Luana Savings Bank6 month $50K CD0.45 / 0.500.45 / 0.50
Nationwide Bank5 yr CD2.03 / 1.932.05 / 1.95
Nationwide Bank5 yr jumbo CD2.08 / 1.982.1 / 2
Pentagon Federal Credit Union1 yr CD1.10 / 1.201.11 / 1.21
Pentagon Federal Credit Union2 yr CD1.3 / 1.401.31 / 1.41
Pentagon Federal Credit Union3 yr CD1.3 / 1.401.31 / 1.41
Pentagon Federal Credit Union5 yr CD1.4 / 1.501.41 / 1.51
Pentagon Federal Credit Union4 yr CD1.3 / 1.401.31

 

Discover Bank5 yr CD2.18 / 1.982.20 / 2.00
Discover Bank5 yr jumbo CD2.18 / 1.982.20 / 2.00
Discover Bank5 yr IRA CD2.18 / 1.982.20 / 2.00
Discover Bank5 yr jumbo IRA CD2.18 / 1.982.20 / 2.00
Lone Star Bank1 yr CD0.80 / 1.240.8 / 1.25
Synchrony Bank5 yr CD2.13 / 2.222.15 / 2.25
    Read more...

Jumbo Mortgage Rates are Still Low Heading into 2016

Average 30 year jumbo mortgage rates had the largest weekly increase so far in 2015. 30 year jumbo rates averaged  4.67 percent, up 27 basis points from last week's average rate of 4.40 percent. Despite the large increase this week, there are still many lenders quoting 30 year jumbo rates below 4.00 percent.

On our rate table for the state of California, there are eight lenders quoting 30 year jumbo refinance rates below 4.00 percent. The lowest rate with points is at 3.50 percent from Carlyle Financial and erates mortgage. The lowest rate without points is at 3.75 percent from Star One Credit Union.

15 year jumbo mortgage rates today are currently averaging 4.21 percent, up from last week's average 15 year jumbo rate of 4.13 percent. We also have many lenders quoting 15 year jumbo refinance rates well below the average 15 year rate. The lowest 15 year rate on our rate table today is at 3.125 percent with no points from Star One Credit Union.

    Read more...

CD Rates Remain Low as New Fed Chairman Yellen to Continue Low Rate Policy

CD rates remain low as the Federal Open Market Committee will leave their policy on the federal funds rate intact when they meet next week, despite a surprising drop in the unemployment rate. The unemployment rate fell last month from 7.0 percent to 6.7 percent but a drop below 6.5 percent is no longer a trigger to increase in the federal funds rate.Prior to last month's meeting, many believed the Fed would increase the federal funds rate when the unemployment rate fell below 6.5 percent. We, too, believed this was going to happen sometime in 2014 which would send CD rates and other deposit rates higher.Just after the December meeting, the FOMC released a statement squashing a higher fed funds rate:     Read more...

Year Ending 2013 List of the Best CD Rates

Ending 2013, some banks are increasing long term CD rates to compete with higher long term bond yields. For the past three months of 2013, about half a dozen banks have increased long term CD rates on our rate list. The same can't be said for shorter term CD rates because shorter term bond rates haven't increased and the Federal Reserve hasn't increased the federal funds rate.One credit union in our database of rates has sharply increased the rates they pay on long term certificates. Pentagon Federal Credit Union increased their 5 year and 7 year "money market certificates"  to over 3.00 percent, which is much higher than any other comparable terms in our database. In fact, PenFed now has the best CD rates in our database for terms of 1 year to 5 years.

Direction of CD Rates in 2014

    Read more...

USA One Credit Union 8 Month Step-Up CD Yield of 1.45%

USA One Credit Union of Matteson, Illinois, is offering an 8 month Step-Up certificate of deposit that currently has a CD rate of 0.90 percent for the first four months and then the CD rate will Step-Up to 2.00 percent the last four months.The combined certificate of deposit annual percentage yield is 1.45 percent.  That CD yield is one of the best 8 month CD yields currently available and is higher than the national average 24 month CD rate of 1.27 percent. New money is required for this CD deal and the minimum opening deposit is $10,000. Looking for the best CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.     Read more...

Explore Other Rate Deals

EverBank 2.5 Year CD rates are now at 1.27 percent with a yield of 1.28 percent. View current 2.5 Year CD rates at EverBank below.
high yield savings accountBank of Internet is offering one of the highest online savings account yields available in the U.S.. The savings account currently yields 3.51%. There is an initial deposit requirement of $100 but no minimum daily balance requirement.
30 year mortgage rates increased for the third consecutive day after hitting an all-time low this past Friday. Current 30 year mortgage rates are averaging 4.12%, up from yesterday’s average 30 year mortgage rate of 4.07%. 15 year mortgage rates are averaging 3.36%, an increase from yesterday’s average 15 year mortgage rate of 3.31%.

Bank or Credit Union Offers and Deals

CD Rates Weekly Average Rates 4/25
Online Banks Dominate Top Savings Interest Rates Available
Mortgage Rates Increase: 30 Year Mortgage Rates at 4.92%, 15 Year Mortgage Rates at 4.30%
Mortgage Rates Will Stabilize- The Fed Leaves Interest Rates Alone
Home Mortgage Rates Mixed
Mortgage Rates Higher: Current 30 Year Mortgage Rates at 4.96%, 15 Year Mortgage Rates at 4.27%
EverBank's Competitive CD Rates and Financial Stability
KS StateBank 5 Year Jumbo CD Rates now at 1.99%
Investors Bank Mortgage Rates
Mortgage Rates Fall from Recent high

Alternative Bank and Credit Union Offers to Explore

30 Year Mortgage Rates Near Record Lows - 15 Year Mortgage Rates Lowest Ever
Bank Of Internet USA CD Interest Rates
Mortgage Rates: Today's Mortgage Rates Move Higher November 1, 2011
Phoenix Savings Account Rates
Mortgage Rates Day After Christmas: 30 year Mortgage Rates & Refinance Rates at 4.77%, 30 Year Jumbo Mortgage Rates & Refinance Rates at 5.35%
Long Term CD Rates Fremont, CA
Teachers FCU Savings Rates and MMA Rates
Indianapolis, IN Savings Account Rates
Government Cash for Clunkers Program is Broke
Savings Account Rates

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