Bethpage Federal Credit Union of Bethpage, New York, is offering hurricane relief loans to their members. The loans offer fixed rates as low as 7.50% APR for up to 60 months.

Loan amounts from $500 to $10,000 are available with no application fee and no prepayment penalty. The rate requires automatic payment deduction from a Bethpage account. This offer is available through 10.31.2011

Loan Features

  • Loans from $500 to $10,000, up to 60 months
  • No application fee
  • No pre-payment penalty
  • Predictable affordable payments that won’t change for the life of your loan
  • Easy payment options that include Online Banking, even with your mobile phone

You can apply at a local branch or by calling 1-800-628-7070.

Search and compare the best CD rates by searching our Highest CD rates list. You can also get the best savings account rates and a list of today’s mortgage rates from several different lenders.

Author: Robert Till
September 16th, 2011

California Credit Union, based in Glendale, California, is offering share certificates that have tiered CD rates. The credit union’s rates are not the best CD rates at banks or credit unions buy they are competitive.

The credit union is advertising regular share CD rates, IRA CD rates, regular jumbo CD rates, super jumbo CD rates and super jumbo IRA CD rates.

As with any credit union you’ll have to join California Credit Union to open an account. There are membership requirements which you can view here: Membership Requirements.

If you’re unable to join this credit union you can browse our list of bank CD rates and credit union CD rates to find the best rate in your area:

Each CD tier is available in three different types of CDs. Flex Saver, Elite Saver and Super Saver. 

Share CD Rates & IRA CD Rates – Deposits of $1,000 to $99,999.

  • Flex Saver Certificate – 3 month Rate 0.15% Yield 0.15%
  • Flex Saver Certificate – 6 month Rate 0.20% Yield 0.20%
  • Elite Saver Certificate – 12 month Rate 0.25% Yield 0.25%
  • Super Saver Certificate – 18 month Rate 0.40% Yield 0.40%
  • Super Saver Certificate – 24 month Rate 0.50% Yield 0.50%
  • Max Saver Certificate – 36 month Rate 0.90% % Yield 0.90%
  • Max Saver Certificate – 60 month Rate 1.78% Yield 1.80%

Jumbo CD Rates & Jumbo IRA CD Rates – Deposits of $100,000 to $249,999.

  • Flex Saver Certificate – 3 month Rate 0.20% Yield 0.20%
  • Flex Saver Certificate – 6 month Rate 0.25% Yield 0.25%
  • Elite Saver Certificate – 12 month Rate 0.30% Yield 0.30%
  • Super Saver Certificate – 18 month Rate 0.45% Yield 0.45%
  • Super Saver Certificate – 24 month Rate 0.55% Yield 0.55%
  • Max Saver Certificate – 36 month Rate 0.95% % Yield 0.95%
  • Max Saver Certificate – 60 month Rate 1.83% Yield 1.85%

Super Jumbo CD Rates & IRA Super Jumbo CD Rates – Deposits of $250,000 minimum.

  • Flex Saver Certificate – 3 month Rate 0.25% Yield 0.25%
  • Flex Saver Certificate – 6 month Rate 0.30% Yield 0.30%
  • Elite Saver Certificate – 12 month Rate 0.35% Yield 0.35%
  • Super Saver Certificate – 18 month Rate 0.50% Yield 0.50%
  • Super Saver Certificate – 24 month Rate 0.60% Yield 0.60%
  • Max Saver Certificate – 36 month Rate 1.00% % Yield 1.00%
  • Max Saver Certificate – 60 month Rate 1.88% Yield 1.90%
Author: Brian McKay
July 18th, 2011

mortgage-rates-higher-current-30-year-mortgage-rates-at-496-15-year-mortgage-rates-at-427Mortgage rates are higher this week after a few weeks of declines. Mortgage rates started heading down in May when Treasury yields dropped because of the financial crisis in Europe. When the IMF and the European Union put together a rescue package for Greece, interest rates headed higher. 30 year mortgage rates are up to 4.96 percent this week, up from last week’s average mortgage rate of 4.81 percent. 15 year mortgage rates bucked the trend and headed down slightly this week over last Current 15 year mortgage rates are averaging are 4.27 percent, down from the prior week’s average mortgage rate of 4.28 percent.

Looking for current mortgage refinance rates? Search our mortgage rate tables at to find the best refinance mortgage rates.

Today’s Jumbo Mortgage Rates

Today’s 30 year jumbo mortgage rates are averaging  5.45 percent, up from last week’s average 30 year jumbo rate of 5.38 percent.

Current 15 year jumbo mortgage rates are averaging 5.01 percent, an increase from last week’s average mortgage rate of 4.80 percent last week.

Today’s Adjustable Mortgage Rates

Current 1 year conforming adjustable mortgage rates are averaging 3.78 percent, down from the previous week’s average 1 year adjustable rate of 3.82 percent.

Current 3 year conforming adjustable mortgage refinance rates are averaging 4.52 percent, up from last week’s average 3 year adjustable rate of 4.35 percent.

Today’s 5 year adjustable mortgage rates are averaging 4.07 percent, up from last week’s average home loan mortgage rate of 3.90 percent.

Current 7 year adjustable mortgage interest rates are averaging 4.33, unchanged from last week’s average 7 year adjustable mortgage rate.

10 year adjustable mortgage rates are averaging 4.55 percent, an increase from last week’s average mortgage loan rate of 4.49 percent.

Current Jumbo Adjustable Mortgage Rates

Current 1 year jumbo adjustable mortgage rates are averaging 5.95 percent, unchanged from last week’s average 1 year jumbo adjustable rate.

Today’s 3 year jumbo adjustable mortgage rates are averaging 4.87 percent, a decrease from last week’s average jumbo home refinance rate of 5.05 percent.

Current 5 year jumbo rates are averaging 4.46 percent, an increase from the prior week’s average 5 year mortgage rate of 4.40 percent.

Today’s 7 year jumbo adjustable mortgage rates are averaging 5.31 percent, up from Monday’s average loan rate of 5.14 percent.

Currently, 10 year jumbo rates are averaging 5.63 percent, up from last week’s average 10 year jumbo interest rate of 5.56 percent.

Author: Brian McKay
May 31st, 2010

CALABASAS, CALIFORNIA – Along with optimism and a new diploma, graduates should be sure to arm themselves with top notch money skills when leaving the classroom and heading into the “real world.”  Informa Research Services, a subsidiary of Informa plc (LSE: INF), suggests a few simple ways for new graduates to manage their money more efficiently and prepare for the exciting life ahead (//


  • Take advantage of promotional offers.  Many banks are offering cash for opening a new checking or savings account and fulfilling other requirements (such as debit card transactions or receiving online statements).  Don’t be afraid to take advantage of these offers.  However, be sure to fully understand the requirements to qualify for the promotional benefits.  Who said there’s no such thing as free money?


  • Make saving a habit.  It may be tempting to spend those paychecks when they start rolling in, but resist the urge and start saving a portion of each check immediately.  The least painful way to achieve this is to schedule an automatic transfer from your paycheck to a savings account.  Furthermore, enroll in your employer’s retirement program if one is offered.


  • Find a low-rate credit card.  If you’re going to use a credit card, might as well make sure it carries with it a low rate and minimal fees.  The easiest way to compare offers is to look online.


Learn how to control debt before it starts accumulating.  Manage debt early so that you already know how to borrow responsibly.  The skills you build now will benefit you when you need to figure out how to juggle your credit card, an auto loan, and a mortgage.  Just like your education, the skills acquired and mastered now will benefit you later in life.



Author: Brian McKay
May 22nd, 2010

As the end of the month rolls around, the deadline for home buyer tax credits is quickly approaching.  These credits include the first time home buyer credit of up to $8,000 and the repeat home buyer credit of up to $6,500.  When combined with a tax credit, a home purchase financed with a low rate mortgage can yield maximum benefits of home ownership.  Informa Research Services, a subsidiary of Informa plc (LSE: INF), suggests home buyers use online rate tables to find a low rate mortgage.

To qualify for the tax credit, home buyers must have a binding contract signed by April 30, but they have until the end of June to finalize the sale.  Because the deadline for a signed contract is coming up quickly, this reminder is more useful for those who have already begun their property search.  Furthermore, be aware of the qualifications that need to be fulfilled to be eligible for the tax credit.  For complete details, visit //  Consumers should also consult their tax advisor to fully understand the benefits of the tax credit.

In addition to receiving a home buyer tax credit, financing the home purchase with a low interest mortgage can help minimize the cost of buying a home.  Lenders like regularly offer rates below the national average.  A quick, easy way to find these low rates is to look online.  Various online resources such as offer easy-to-read rate comparison tables.  These tables include a sorting feature so consumers can sort by rate, fees, or estimated monthly payment to help find the best deal.

Potential home buyers should consider getting pre-qualified for the appropriate financing before looking for a property to purchase.  Remember that a good credit score is one of the most important factors in getting qualified for a home loan.

Source: Informa Research Services

Author: Brian McKay
April 23rd, 2010

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