4.00% 18-Month CD at Credit Union of New Jersey

Credit Union of New Jersey is offering some competitive CD rates. The most competitive rates include a 3.75% APY for 12 months, 4.00% APY for 18 and 24 months, 4.25% APY for 36 months, 4.50% APY for 48 months and 4.75% APY for 60 months. Minimum deposit is $500. Higher rates are available with account relationships and for Jumbo CDs. The same rates are also available for IRA certificates. These rates are listed in the credit union's rate table as of 12/31/08. Like many credit unions, new rates may take effect at the start of the month.

Membership is open to those who live, work, worship or attend school in Ewing Township and in parts of Burlington County or Trenton. Membership is also open to those who work for the State of New Jersey. Please refer to the credit union's Membership Page for the full details. Membership requires a minimum deposit of $25 in the regular share savings account.

The credit union is federally insured by the NCUA (Charter # 65597).

Via: http://bankdeals.blogspot.com/2008/12/400-18-month-cd-at-credit-union-of-new.html

Rate Cuts and Other Banking News

It looks like 2009 will be a challenge for savers. Banks continue to cut rates. ING Direct's Orange Savings Account yield is now down to 2.50% APY (was 2.75%). It also cut rates on its Electric Orange checking account and CDs. Its top CD rate is now only 2.75% APY for terms of 12 to 60 months.

Other banks that have recently cut rates include Corus Bank (MMA now 3.55% APY, was 3.65%) and Provident Direct (savings account now 3.25% APY, was 3.75%). There are still are three banks offering 4% savings accounts (see my weekly rate summary).

Banks are also cutting reward checking rates. I'm in the process of updating rates for dozens of banks in my High Yield Checking website. Thanks to the readers who have been leaving comments on the rate changes.

As reported by Wall Street Journal, GMAC fell short of its goal to raise $30 billion by converting its issued debt into preferred stock holdings. On Monday, GMAC received commitments from the federal government for $6 billion in aid.

GMAC is the parent of GMAC Bank. We'll have to see how greater stability at GMAC will affect the bank and its rates in the future months. GMAC Bank continues to offer a competitive 4.00% APY 12-month CD (see post).

According to this HousingWire article Fannie Mae may be holding up the IndyMac sale. The article mentioned sources that claim Fannie Mae has demanded $1 billion from IndyMac due to misrepresentations of loans it had sold to Fannie Mae.

 Via: http://bankdeals.blogspot.com/2008/12/rate-cuts-and-other-banking-news.html

$190 Checking Account Bonus at HomeStreet Bank in WA, OR & HI

HomeStreet Bank is offering a checking account promotion in which you can earn up to $190. Open a new personal checking account at a HomeStreet Bank branch and complete the following activities for the full $190:

• $75 for direct deposit with a minimum of $500 a month for 2 consecutive months
• $75 for using your Visa check card to make 10 purchases or payments each month for 2 consecutive months
• $30 for enrolling in free Online Banking/Bill Payer and paying a minimum of 3 bills each month for 2 consecutive months
• $10 for signing up for e-statements

The promotion is scheduled to last through 3/31/2009.

$25 can be applied to the cost of new checks for giving the bank your old checks or check card from another bank. I didn't include this as part of bonus since many banks offer free first order of checks. Some important small print of the offer includes:

• Offer is limited to one account per household
• Account holder will be responsible for tax implications
• Accounts closed by the customer within 90 days of opening are subject to a $15 early closure fee

Branches are located in Washington State, Oregon and Hawaii. The bank is FDIC insured (FDIC Certificate # 32489).

Via: http://bankdeals.blogspot.com/2008/12/190-checking-account-bonus-at.html

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