Banesco USA CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.25%, 6-month CD rates at 4.50% and 3-month CD rates at 4.48%. Current savings rates are at 0.10% and money market rates are at 0.01%. Mortgage rates today on 30-year fixed loans are around 7.19%. Credit Card rates are at 13.04%. Personal Loan rates are at 5.74%. All these rates, and more, can be found in our database of rates. Banesco USA's 6-Month CD rates are at 5.20%, 9-Month CD rates are at 5.10%, 12-Month CD rates are at 5.00%, 18-Month CD rates are at 4.75%, 36-Month CD rates are at 0.55%. Banesco USA's money market rates are at 1.35%.

Banesco USA

To see how these rates compare to Banesco USA CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Banesco USA, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Banesco USA CD rates. You can also compare Banesco USA savings rates, MMA rates and mortgage rates using our other rate lists.

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

Banesco USA Texas Ratio

Banesco USA's Texas Ratio is at 2.03%, which is considered excellent. The Texas Ratio for Banesco USA is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Banesco USA is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.00%
18-Month CD
4.75%
24-Month CD
0.50%
36-Month CD
0.55%
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
1.35%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Banesco USA
3155 Nw 77 Avenue
Miami, FL 33122
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Banesco USA CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Banesco USA
Banesco USA
6-Month CD
5.20%
$1,500
Banesco USA
Banesco USA
9-Month CD
5.10%
$1,500
Banesco USA
Banesco USA
12-Month CD
5.00%
$1,500
Banesco USA
Banesco USA
18-Month CD
4.75%
$1,500
Banesco USA
Banesco USA
High Yield Money Market
1.35%
$2,500
Banesco USA
Banesco USA
36-Month CD
0.55%
$1,500
Banesco USA
Banesco USA
24-Month CD
0.50%
$1,500
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 Banesco USA Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Community Bank and Trust - Alabama
Community Bank and Trust - Alabama
6-Month CD
5.65%
$500
Western Alliance Bank
Western Alliance Bank
12-Month CD via Raisin
5.00%
$1
Centennial Bank TN
Centennial Bank TN
Rewards Star <-$10k
5.00%
$1
TAB Bank
TAB Bank
18-Month CD
5.00%
$1,000
Avidia Bank
Avidia Bank
12-Month CD
4.86%
$1,000
Self-Help Credit Union
Self-Help Credit Union
36-Month CD
4.08%
$500
Trinity Bank, N.A.
Trinity Bank, N.A.
Personal Money Market
4.07%
$1,000,000
The Clay City Banking Co.
The Clay City Banking Co.
3-Month CD
4.06%
$1,000
Ridgewood Savings Bank
Ridgewood Savings Bank
24-Month CD
4.00%
$100
705 Federal Credit Union
705 Federal Credit Union
Kasasa Cash Checking
4.00%
$0
FNB of Bellville
FNB of Bellville
12-Month Jumbo CD
3.64%
$100,000
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
48-Month CD share certificate
3.55%
$500
Phoenixville Federal B&T
60-Month CD
3.50%
$500
Bank of Rantoul
Bank of Rantoul
30-Month CD
3.14%
$500
Gunnison S&L
Gunnison S&L
12-Month CD
3.05%
$1
Kitsap Bank
Kitsap Bank
60-Month CD
2.95%
$5,000
Wyoming Community Bank
Wyoming Community Bank
3-Month CD
2.75%
$1,000
Genoa Banking Company
18-Month CD
2.60%
$1,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
36-Month CD
2.50%
$500
Flanagan State Bank
Flanagan State Bank
18-Month CD
2.10%
$5,000
First State Bank of Campbell Hill
First State Bank of Campbell Hill
60-Month CD
2.02%
$500
First Fidelity Bank Fort Payne, AL
First Fidelity Bank Fort Payne, AL
18-Month CD
2.02%
$1,000
Peoples Bank of Deer Lodge
Peoples Bank of Deer Lodge
36-Month CD
2.02%
$100
Raritan State Bank
Raritan State Bank
36-Month CD
2.02%
$5,000
Range Bank
Range Bank
48-Month CD
2.00%
$1,000
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
36-Month CD
2.00%
$500
SaviBank
SaviBank
48-Month CD
2.00%
$500
802 Credit Union
802 Credit Union
48-Month CD certificate
2.00%
$500
Ohio State Bank
Ohio State Bank
48-Month CD
1.85%
$500
Frontier Community Bank
Frontier Community Bank
48-Month CD
1.80%
$1,000
Northfield Savings Bank
Northfield Savings Bank
36-Month CD
1.70%
$1,000
Home Loan Investment Bank
Home Loan Investment Bank
Premier Checking
1.50%
$2,500
Table Rock Community Bank
Table Rock Community Bank
24-Month CD
1.50%
$1,000
TriCentury Bank
TriCentury Bank
TriCentury Savings
1.50%
$100
Century Bank of Florida
Century Bank of Florida
Money Market
1.26%
$1,000,000
Buena Vista National Bank
Buena Vista National Bank
48-Month CD
1.25%
$500
Fayette Savings Bank, SSB
Fayette Savings Bank, SSB
36-Month CD
1.20%
$1,000
FSB Mcpherson, KS
FSB Mcpherson, KS
Pinnacle Money Market
1.11%
$250,000
Essex Savings Bank
Essex Savings Bank
24-Month CD
1.02%
$500
Union State Bank Pell City, AL
Union State Bank Pell City, AL
Money Market
1.00%
$20,000
Fairfield County Bank
Fairfield County Bank
36-Month CD
1.00%
$2,500
Bath State Bank
Bath State Bank
Early Harvest Money Market
1.00%
$5,000
FirstOak Bank
FirstOak Bank
6-Month CD
0.60%
$500
Centinel Bank of Taos
Centinel Bank of Taos
Now Checking
0.40%
$0
Grand Rapids SB
Grand Rapids SB
24-Month CD
0.40%
$1,000
Town & Country B&T Co.
Town & Country B&T Co.
48-Month CD
0.35%
$100
Franklin Bank
Franklin Bank
18-Month CD
0.27%
$50
Washita State Bank
Washita State Bank
Traditional Savings
0.20%
$200
Jarrettsville Federal S&L
Jarrettsville Federal S&L
Money Market
0.15%
$0
Jewett City Savings Bank
Jewett City Savings Bank
Statement Savings Account
0.05%
$5
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.

Mortgage Rates April 17, 2024

Lender
Product
Rate
APR
Points
10 Year Fixed
6.750%
0.000%
0.000
15 Year Fixed
7.000%
0.000%
0.000
20 Year Fixed
7.500%
0.000%
0.000
5.250%
0.000%
0.000
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
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.

Banesco USA Information

Banesco USA
3155 Nw 77 Avenue
Miami, FL 33122
Miami-Dade
Established Date: 01/10/2006
FDIC Certificate #: 57815
Date of FDIC Deposit Insurance: 01/10/2006
How Many Domestic U.S. Offices? 5
How Many Branches are There? 6
Is Banesco USA FDIC Insured? Yes
What is Banesco USA's Cert number? 57815
What is the maximum amount for insured deposits? $250,000 per holder, per account

Banesco USA Financials

Total Assets:
$3,536,417,000
Total Deposits:
$2,742,780,000
Equity Capital:
$408,165,000
Domestic Deposits:
$2,509,899,000
Net Income:
$4,605,000
Return on Assets:
0.8463%
Quarterly Return on Assets:
0.5600%
Pretax Return on Assets:
0.8016%
Pretax Quarterly Return on Assets:
0.8000%
Return on Equity:
7.3600%
Quarterly Return on Equity:
4.5400%
Common Equity Tier 1 Capital Ratio:
9.0127%
Tier 1 Risk-Based Capital Ratio:
20.1706%
Leverage Tier 1 (Core Capital) Ratio:
16.3162%
Total Risk-Based Capital Ratio (YTD):
22.0343%
Total Interest Income (YTD):
4.0070%
 
 
Headquarters:
Miami
FDIC Field Office:
South Florida
Regulator:
FDIC
County:
Miami-Dade
# of Offices:
5
Metropolitan Statistical Area (MSA):
Miami-Fort Lauderdale-Pompano Beach, FL
Consolidated Metropolitan Statistical Area (CMSA):
Miami-Fort Lauderdale, FL
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC

Banesco USA CD Rates

Banesco USA CD RatesBanesco USA CD rates are some of the best CD rates available today from any online bank. Current 12 month CD rates at Banesco USA are at 2.85 percent with a minimum deposit of $1,500. 6 month CD rates from Banesco USA are also very high right now. The current 6 month CD rate from Banesco USA is at 2.40 percent a minimum opening deposit of $1,500.These high CD rates from Banesco USA are on the bank's BaneSmart CD accounts. 18 month BaneSmart CD rates from Banesco USA are at 2.90 percent. 2 year and 3 year BaneSmart CD rates are at 2.90 percent.Banesco has four locations in Florida and one in Puerto Rico. The physical addresses are listed below.     Read more...

CD Rate Changes The Past Week - All CD Rates Increased

This past week brought more CD rate changes that were once again positive.  Five different banks changed CD Rates on 24 certificate of deposit terms and all the increases were higher. Over the past year, the best 1 year CD rates have just about doubled in price to around 2.50 percent.We anticipate banks increasing CD rates even more this year and next. CD rates are moving higher because the Federal Reserve is putting upward pressure on rates by increasing the federal funds rate. The Fed is widely expected to increase the rate again during their upcoming September meeting, according to the CME's FedWatch Tool.CD Rate ChangesAnother 25 basis point increase in September would put the fed funds rate in a targeted range of 2.00 percent to 2.25 percent. Beside the September meeting, the Fed has two more scheduled meetings this year. The CME FedWatch Tool currently puts the change of an increase during the Fed's December meeting at 60.6 percent.     Read more...

Best 12 Month CD Rates at 2.50 Percent, A Multi-Year High

Several banks and credit unions increased CD rates this week and as a result, the best 12 month CD rates are now at 2.50 percent, a multi-year high. The last time 1 year CD rates were in the 2.50 percent range, was during the financial crisis in 2008/2009.When the financial crisis hit and caused the Great Recession, the Federal Reserve lowered the fed funds rate to nearly zero percent. This caused deposit rates to plummet to all-time lows the following four years. The best 12 month CD rates were actually under 1.00 percent at the low point in 2013.National average rates were even worse because of big brick and mortar banks were offering extremely low rates. At the lowest point during early 2013, MonitorBankRates.com reported 12 month CD rates averaged 0.68 percent. The FDIC's weekly national average rates were even lower, averaging a low of 0.20 percent.     Read more...

Brand New High for 12 Month CD Rates in 2017

12 Month CD ratesWe just reached a new milestone for 12 Month CD rates in 2017 as rates continue to inch higher. Crestmark Bank is now offering 12 Month CD rates at 1.80 percent. Just about two months ago, we reported a new high for 1 year CD rates at 1.70 percent. That new high was also from CrestMark Bank. You can read about that post Crestmark Bank Best Rate 1.70%.The uptrend for CD rates will continue for the rest of this year and into at least 2018 and it may last even longer if the economy doesn't fall into a recession. The Federal Open Market Committee meets this month and will more than likely increase the fed funds rate by 25 basis points.Another fed funds rate increase will put additional upward pressure on short term interest rates. 1 year CD rates could therefore hit 1.90 percent this month and 2.00 percent sometime early in 2018. Back in early October, we forecast 1 year CD rates hitting 2.00 percent as a result of another fed funds rate increase.     Read more...

Three Banks Now Offering 1 Year CD Rates at 1.75%

1 year CD RatesWe expect the increase in rates to continue next month and into 2018. The Fed is widely expected to increase the rate during their meeting in December. In fact, the CME Group's FedWatch Tool puts the probability of an increase at 91.5 percent, as of this writing.The current fed funds rate is in a range of 1.00 percent to 1.25 percent. An increase in December will put the rate between 1.25 percent and 1.50 percent. The last time the rate was that high was nearly a decade ago. You can view the history of the fed funds rate going back to 1955 in this Rate Chart.

Current Top 1 Year CD Rates

    Read more...

Top 2 Year CD Rate Now at 1.70 Percent

The top CD rates continue to move higher as the best 2 year CD rate hits 1.70 percent this week. 2 year CD rates at Connexus Credit Union take the top spot this week at 1.69 percent with a yield of 1.70 percent. Connexus has the best rate this week but two banks are right on the credit union's tail.

Northern Bank Direct, EverBank, and Popular Direct have the second best 2 year rate this week at 1.64 percent with a yield of 1.65 percent. We have another three-way tie for third place, My e-BAnC by BAC Florida Bank, TAB Bank, and VirtualBank all have a current 2 year rate of 1.61 percent with a yield of 1.62 percent.

Not only are the top rates moving higher this week, average 2 year CD rates are also higher. The current average 2 year CD rate is at 1.50 percent, up from last week's average 2 year rate of 1.47 percent. Listed below are the top ten 2 year CD rates for the week ending April 15, 2017.

Best 2 Year CD Rates

  1. Connexus CU - Rate 1.69% Yield 1.70%
  2. Northern Bank Direct - Rate 1.64% Yield 1.65% (tied for 2nd place)
  3. Popular Direct - Rate 1.64% Yield 1.65% (tied for 2nd place)
  4. TAB Bank - Rate 1.60% Yield 1.61% (tied for 3rd place)
  5. My e-BAnC by BAC Florida Bank - Rate 1.60% Yield 1.61% (tied for 3rd place)
  6. VirtualBank - Rate 1.60% Yield 1.61% (tied for 3rd place)
  7. Banesco USA - Rate 1.60% Yield 1.60%
  8. Capital One Bank - Rate 1.59% Yield 1.60% (tied for 5th place)
  9. Synchrony Bank - Rate 1.59% Yield 1.60% (tied for 5th place)
  10. M.Y. Safra Bank, FSB - Rate 1.59% Yield 1.60% (tied for 5th place)
  11. iGObanking.com - Rate 1.59% Yield 1.60% (tied for 5th place)
  12. Congressional Bank - Rate 1.59% Yield 1.60% (tied for 5th place)
  13. iGObanking.com - Rate 1.59% Yield 1.60% (tied for 5th place)
  14. First Internet Bank of Indiana - Rate 1.56% Yield 1.57%
  15. CD Bank - Rate 1.55% Yield 1.56%
  16. Nationwide Bank - Rate 1.50% Yield 1.51% (tied for 8th place)
  17. Pentagon Federal Credit Union - Rate 1.50% Yield 1.51% (tied for 8th place)
  18. PurePoint Financial - Rate 1.49% Yield 1.50% (tied for 9th place)
  19. Home Savings Bank - Rate 1.49% Yield 1.50% (tied for 9th place)
  20. Live Oak Bank - Rate 1.49% Yield 1.50% (tied for 9th place)
  21. GS Bank - Rate 1.44% Yield 1.45%
    Read more...

Best 1 Year CD Rates April 5, 2017

CD rates continue to move higher this week. We look for the trend of higher CD rates to continue in 2017 as long as there isn't a recession. The Fed is expected to increase the federal funds rate at least two more times this year, which will put more upward pressure on CD rates.

This week, the best 1 year CD rate in the database is now at 1.49 percent with an APY of 1.50 percent. A couple of weeks ago, the top 1 year CD rate was 5 basis points less.

The current national average 1 year CD rate also moved higher this week over last. The current national average 1 year CD rate is at 1.26 percent, up from last week's average of 1.30 percent.

    Read more...

Credit Union now Offering 1 Year CD Rates at 1.50%

As we predicted in early March, the the top 1 year CD rate currently available is now at 1.49 percent with a yield of 1.50 percent. Conexus Credit Union is the first financial institution in the rate database to increase their 1 year rate to the 1.50 percent level.

The catalyst for sending the best 1 year CD rates to 1.50 percent APY was the Federal Open Market Committee increasing the fed funds rate on March 15th. On March 8th, we wrote a post reporting that the coming fed funds rate increase will likely force the top 1 year CD rate to 1.50 percent. You can read the post at Fed Will Push Top 1 Year CD Rates Above 1.50%.

It will be interesting to see if the top online banks that usually compete to have the best rate will also increase their rate to 1.50 percent or possibly higher. There are several banks very close to the 1.50 percent level. Banesco USA has 1 year rates at 1.45 percent, PurePoint Financial, My e-BAnC by BAC Florida Bank and Live Oak Bank are all offering 1 year rates at 1.40 percent.

    Read more...

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

FDIC deposit insuranceThe Federal Deposit Insurance Corporation could run out of funds this year if more banks fail.
Applied Bank 2 Month Jumbo CD rates are now at 0.05 percent with a yield of 0.05 percent. View current 2 Month Jumbo CD rates at Applied Bank below.
feds cuts rates to 0%The Federal Reserve Bank cut the Fed Funds rate from 1% down to a range of  0% to .25%. The cut was larger then the .50% cut analysts were expecting.

Bank or Credit Union Offers and Deals

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AIG Bank CD Rates
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Mortgage Rates 7-23: Home Mortgage Rates Today Decline: 30 Year Mortgage Rates at 4.69%, 15 Year Mortgage Rates at 4.13%

Alternative Bank and Credit Union Offers to Explore

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Refinance Rates and Mortgage Rates Higher This Week: 30 Year Conforming Mortgage Rates Averaging 4.49%, 30 Year Jumbo Mortgage Rates Averaging 5.02%
Mortgage Rates: Home Mortgage Rates Mostly Higher This Week: 30 Year Mortgage Rates at 4.43%
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