Goldwater Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 2.30%, 6-month CD rates at 5.00% and 3-month CD rates at 3.00%. Current savings rates are at 0.50% and money market rates are at 0.01%. Mortgage rates today on 30-year fixed loans are around 6.81%. Credit Card rates are at 16.20%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates. Goldwater Bank's 6-Month CD rates are at 5.15%, 3-Month CD rates are at 5.15%, 9-Month CD rates are at 5.15%, 12-Month CD rates are at 5.10%, 15-Month CD rates are at 5.00%. Goldwater Bank's savings rates are at 4.15%. Goldwater Bank's money market rates are at 3.25%.

Goldwater Bank

To see how these rates compare to Goldwater Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Goldwater Bank, 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 Goldwater Bank CD rates. You can also compare Goldwater Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Goldwater Bank 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 Goldwater Bank? Share your experience about Goldwater Bank by leaving a review below, or read customer reviews before you decide to use Goldwater Bank.

Goldwater Bank Texas Ratio

Goldwater Bank's Texas Ratio is at 10.73%, which is considered excellent. The Texas Ratio for Goldwater Bank is higher 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, Goldwater Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.10%
18-Month CD
4.90%
24-Month CD
4.50%
36-Month CD
4.25%
48-Month CD
N/A
60-Month CD
4.25%
Savings
4.15%
MMA
3.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Goldwater Bank
2525 E Camelback Rd
Phoenix, AZ 85016
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Goldwater Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Goldwater Bank
Goldwater Bank
9-Month CD
5.15%
$500
Goldwater Bank
Goldwater Bank
6-Month CD
5.15%
$500
Goldwater Bank
Goldwater Bank
3-Month CD
5.15%
$500
Goldwater Bank
Goldwater Bank
12-Month CD
5.10%
$500
Goldwater Bank
Goldwater Bank
15-Month CD
5.00%
$500
Goldwater Bank
Goldwater Bank
18-Month CD
4.90%
$500
Goldwater Bank
Goldwater Bank
24-Month CD
4.50%
$500
Goldwater Bank
Goldwater Bank
60-Month CD
4.25%
$500
Goldwater Bank
Goldwater Bank
36-Month CD
4.25%
$500
Goldwater Bank
Goldwater Bank
High Yield Savings
4.15%
$100
Goldwater Bank
Goldwater Bank
Money Market
3.25%
$1,000
Goldwater Bank
Goldwater Bank
Gold Checking
2.00%
$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 Goldwater Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Grand Bank for Savings
Grand Bank for Savings
Prestige Checking
5.50%
$100
Touchmark Bank
Touchmark Bank
12-Month Jumbo CD
5.25%
$100,000
Ultima Bank Minnesota
Ultima Bank Minnesota
Smart Savings
5.10%
$0
Central Bank Provo, UT
Central Bank Provo, UT
12-Month CD special
5.08%
$500
Cornerstone Bank Moorestown, NJ
Cornerstone Bank Moorestown, NJ
16-Month CD special
5.05%
$500
FNB of Scotia
FNB of Scotia
9-Month CD special
5.01%
$10,000
Meadows Bank
Meadows Bank
6-Month CD Special
5.00%
$1,000
First Federal Bank of Ohio
First Federal Bank of Ohio
7-Month CD special
4.75%
$5,000
GreenLeaf Bank
GreenLeaf Bank
6-Month CD
4.75%
$1,000
Iroquois Federal S&L
Iroquois Federal S&L
11-Month CD
4.66%
$1,000
Bradford National Bank
Bradford National Bank
26-Month CD
4.55%
$1,000
Commerce Bank & Trust
Commerce Bank & Trust
12-Month CD
4.33%
$500
First National Bank in Philip
First National Bank in Philip
12-Month CD
4.32%
$1,000
Fidelity
Fidelity
48-Month CD New Issue
4.30%
$1,000
Frontier State Bank
Frontier State Bank
24-Month CD
4.07%
$1,000
Twin River Bank
Twin River Bank
1-Month CD
4.07%
$500
Seasons Federal Credit Union
Seasons Federal Credit Union
24-Month CD certificate
4.00%
$1,000
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
60-Month CD certificate
3.30%
$100
State Bank of De Kalb
State Bank of De Kalb
36-Month CD
3.09%
$500
GTE Financial CU
GTE Financial CU
60-Month CD
3.04%
$500
New Albin Savings Bank
New Albin Savings Bank
Money Market
3.04%
$2,500
Farmers State Bank Lake View, IA
Farmers State Bank Lake View, IA
IRA Savings
3.03%
$100
Ascendia Bank
Ascendia Bank
Welcome Money Market Checking
3.00%
$250,000
Charter Bank TX
Charter Bank TX
60-Month CD
2.75%
$1,000
Abri Credit Union
Abri Credit Union
48-Month CD (certificate)
2.75%
$500
FNB of Waverly
FNB of Waverly
18-Month CD
2.53%
$1,000
NBT Financial Bank
NBT Financial Bank
36-Month CD
2.52%
$1,000
Liberty Bank, Inc.
Liberty Bank, Inc.
12-Month CD
2.50%
$1,000
Iroquois Federal S&L
Iroquois Federal S&L
60-Month CD
2.02%
$1,000
Coastal Heritage Bank
Coastal Heritage Bank
48-Month CD
2.00%
$1,000
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
18-Month CD
1.75%
$500
First National Bank Ames, Iowa
First National Bank Ames, Iowa
60-Month CD
1.61%
$1,000
Union County Savings Bank Elizabeth, NJ
Union County Savings Bank Elizabeth, NJ
60-Month CD
1.36%
$500
Blupeak Credit Union
Blupeak Credit Union
12-Month CD certificate
1.30%
$1,000
South Georgia Banking Company
South Georgia Banking Company
12-Month CD
1.26%
$1,000
Peru Federal Savings Bank
Peru Federal Savings Bank
Money Market Deposit Account
1.25%
$100,000
Cayuga Lake National Bank
Cayuga Lake National Bank
12-Month CD
0.95%
$500
Charter Bank IA
Charter Bank IA
Charter Money Market
0.75%
$25,000
HTLF Bank
HTLF Bank
60-Month CD
0.60%
$1,000
First Community Bank, Xenia-Flora
First Community Bank, Xenia-Flora
Passbook Savings Account
0.50%
$100
BLC Community Bank
BLC Community Bank
Savings Account
0.25%
$25
The Bank of Romney
The Bank of Romney
Savings Account
0.20%
$10
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
NOW Account Checking
0.20%
$1,000
SNB St. Henry Bank
SNB St. Henry Bank
18-Month CD
0.15%
$1,000
Verus Bank of Commerce
Verus Bank of Commerce
36-Month CD
0.15%
$1,000
First Bank Elk River
First Bank Elk River
First Dollars Savings aCCOUNT
0.10%
$25
Dime Bank
Dime Bank
18-Month CD
0.10%
$500
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
Checking Account Now
0.05%
$500
Freedom Bank, Inc.
Freedom Bank, Inc.
Savings Account
0.05%
$1
FCN Bank, N.A.
FCN Bank, N.A.
Health Savings Account
0.05%
$250
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 14, 2024

Lender
Product
Rate
APR
Points
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
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
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
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
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.

Goldwater Bank Information

Goldwater Bank
2525 E Camelback Rd
Phoenix, AZ 85016
Maricopa
Established Date: 04/02/2007
FDIC Certificate #: 58405
Date of FDIC Deposit Insurance: 04/02/2007
Bank Holding Company: GOLDWATER BCORP INC
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Goldwater Bank FDIC Insured? Yes
What is Goldwater Bank's Cert number? 58405
What is the maximum amount for insured deposits? $250,000 per holder, per account

Goldwater Bank Financials

Total Assets:
$447,020,000
Total Deposits:
$294,288,000
Equity Capital:
$51,087,000
Domestic Deposits:
$294,288,000
Net Income:
$970,000
Return on Assets:
0.0937%
Quarterly Return on Assets:
0.8800%
Pretax Return on Assets:
1.1490%
Pretax Quarterly Return on Assets:
1.1500%
Return on Equity:
0.7100%
Quarterly Return on Equity:
7.7000%
Leverage Tier 1 (Core Capital) Ratio:
12.5193%
Total Interest Income (YTD):
4.8448%
 
 
Headquarters:
Phoenix
FDIC Field Office:
Phoenix
Regulator:
OCC
County:
Maricopa
# of Offices:
1
Metropolitan Statistical Area (MSA):
Phoenix-Mesa-Chandler, AZ
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
San Francisco
Source: FDIC

Goldwater Bank CD Rates

Goldwater Bank CD RatesGoldwater Bank CD rates are very good right now. In fact, CD rates from Goldwater Bank are some of the highest CD rates currently available today. 1 year CD rates at Goldwater Bank are at 0.95 percent. 6 month CD rates from Goldwater Bank are at 0.70 percent. See how Goldwater Bank CD rates compare with other bank CD Rates.     Read more...

Fed Stands Pat on Rates as Online CD Rates March Higher

The Federal Reserve wrapped up their two day meeting yesterday and decided to keep the fed rates unchanged. The Fed was expected to stand pat on rates during the September meeting. Even though the Fed kept rates where they are, online CD rates continue to march higher.Weekly CD Rates September 21, 2017Between this Fed meeting and the last meeting in July, we have witnessed several new highs for short term CD rates. 1 year CD rates already made two new highs in the month of September. On September 5th, we reported the top 1 year CD rate increased to 1.60 percent and now the top 1 year rate is at 1.65 percent.We are still predicting 1 year CD rates will hit a high of 1.75 percent by the end of 2017 but only if the Fed increases the fed funds rate once more this year. You can see a list of the best 1 year CD rates listed below.     Read more...

Goldwater Bank Money Market Account Rates now at 0.26%

Goldwater Bank Money Market Account rates are now at 0.26 percent with a yield of 0.26 percent. View current Money Market Account rates at Goldwater Bank below.     Read more...

Goldwater Bank 6 Month $50K CD Rates now at 0.85%

Goldwater Bank 6 Month $50K CD rates are now at 0.85 percent with a yield of 0.85 percent. View current 6 Month $50K CD rates at Goldwater Bank below.     Read more...

Goldwater Bank Money Market Account Jumbo Rates now at 0.38%

Goldwater Bank Money Market Account Jumbo rates are now at 0.38 percent with a yield of 0.38 percent. View current Money Market Account Jumbo rates at Goldwater Bank below.     Read more...

Goldwater Bank Money Market Account Rates now at 0.26%

Goldwater Bank Money Market Account rates are now at 0.26 percent with a yield of 0.26 percent. View current Money Market Account rates at Goldwater Bank below.     Read more...

CD Rates Hold Steady as Fed Meets Next Week to Decide Monetary Policy

The Federal Open Market Committee (FOMC) meets again next week to decide on monetary policy. If the FOMC decides to increase the fed funds rate, CD rates will also move higher. Fed Chair, Janet Yellen, is still talking up a rate hike sometime in 2015 but some Fed officials say the first hike will happen in 2016.

The final FOMC meeting for 2015 will be in December. If a hike doesn't happen next week, the FOMC has one final chance to raise the rate this year. The CME's FedWatch Tool now has a 29.2 percent chance of a hike in December, down from 35.4 percent last month.

The past several months, banks and credit unions in our rate database have been slowing increasing their rates in anticipation of a Fed rate hike. Both short term and long term CD rates have been increased by financial institutions. The increases have been small but at least rates are finally moving higher after a half dozen years of decreases.

    Read more...

1.30% APY - This Week's Top 1 Year Rate

The Federal Open Market Committee meets in just over a week to decide on interest rates. August job's report, released last Friday, showed the labor market continuing to improve, adding pressure to the Fed to increase the fed funds rates.Whether or not the FOMC actually increases the fed funds rate is still up in the air. We hope the fed funds rate is increased 0.25 percent, so banks with the best rates will also increase their rates 0.25 percent. A few banks did change their rates this past week but there are no new high rates to report.The changes in rates are listed below along with the best CD rates currently available.     Read more...

Banks Hold Steady on CD Rates - Top Rates Remain Unchanged this Week

There were no changes to the highest CD rates available in our database this week. Financial institutions are probably holding tight on rates to see if the Federal Reserve increases the fed funds rates next month. An increase was more than likely but the recent equity market declines have made an increase less likely.If an increase doesn't happen in September, there is still a chance a rate increase will happen this year. After September's meeting, there are two more meetings in October and December. The CME Group has a FedWatch Tool which you can use to quickly gauge the market’s expectations of potential changes to the Fed Funds target rate.As of August 28, the FedWatch has market's expectation of a rate hike in September at 24 percent, a rate hike happening in October at 34 percent, and a hike in December at 52 percent.     Read more...

CD Rate Report - August 20, 2015 - Top 1 Year CD Rate at 1.30% APY

There were only 2 CD rate changes this week as financial institutions wait for the September Federal Reserve meeting and potential rate hike. My e-BAnC by BAC Florida Bank increased their 18 month rate 1 basis point to 1.21 percent APY and EverBank lowered their 4 year rate to 1.87 percent, a decline of 4 basis points.The Fed's July meeting minutes were released yesterday. The minutes showed Fed officials are struggling to get comfortable with raising interest rates next month. Fed officials are ready to increase rates because they believe the economy will continue to gain traction but inflation is still well below the point needed to increase rates.August 20, 2015 Weekly CD Rate ReportConsumer prices (CPI) over the past 12 months increased only 0.02 percent according to the government's CPI report. Consumer inflation at 0.02 percent is well below the 2 percent rate the Fed considers healthy enough to increase interest rates.     Read more...

CD Rate Report August 10, 2015

There were several changes to CD rates this week. The good news is, most of the changes were higher and there was only 1 decrease. The biggest increases were on EverBank's 3 month rate and E-Loan's 3 year rate. E-Loan also had the majority of increases this week.EverBank's 3 month rate was increased from 0.35 percent to 0.55 percent. Everbank's 3 month rate is now tied with California First National Bank for the best 3 month rate in our database. E-Loan's 3 year rate was increased from 1.65 percent to 1.85 percent. E-Loan now has the best 3 year CD rate and the best rate for several other CD terms.Weekly CD Rate Report August 10, 2015E-Loan also increased their 5 year CD rate and their 18 month CD rate. E-Loan's 5 year CD rate is now at 2.45 percent, the highest 5 year rate in our database. E-Loan's 18 month rate is now at 1.35 percent, the highest 18 month rate in our database.     Read more...

CD Rate Report August 3, 2015

Average CD rates moved higher this week for all CD terms with the exception of 3 month rates. The biggest average CD rate increase was on the longest term certificates of deposit. 5 year CD rates on average increased from 1.66 percent last week to 1.76 percent this week.Listed below are average CD rates and the best CD rates for certificate of deposit terms ranging between 2 months and 5 years.Average CD Rates August 3, 2015     Read more...

CD Rates - July 24, 3015 Report

It is hard to believe we might be less than 2 months away from higher CD rates when the FOMC increases the fed funds rate. Banks and credit unions have been increasing rates, but for the most part the increases have been small. In this week's CD Rate Report, there were a handful of rate increases and a couple rate decreases.Most of the higher rate changes were to longer term certificates of deposit. The largest increase was 0.13 percent to EverBank's 3 year CD rate. The rate was increased from 1.52 percent to 1.65 percent. Silvergate Bank now as the best 3 year rate at 1.65 percent with an APY of 1.66 percent. E-Loan.com and EverBank are now tied for having the best 4 year CD Rate at 1.91 percent and 5 year CD rate at 1.31 percent.Also in this report, average CD rates were down across the board. Listed below is this week's CD Rate report.     Read more...

CD Rate Report July 9, 2015 - Best 1 Year CD Rate Remains at 1.25 Percent

This past week we had 8 banks in our database increased their CD rates and 1 bank that lowered their CD rate. There are new top rates on the 2 year rate list and 3 year rate list.Silvergate Bank now has the top 2 year CD rate at 1.51 percent with a yield of 1.52 percent.Sallie Mae Bank now has the best 3 year CD rate at 1.59 percent with a yield of 1.60 percent.     Read more...

9 CD Rates Increased - 8 CD Rates Decreased in June

Banks and credit unions have been all over the place with their rates. In our database of CD rates, there were 9 CD rate increases and 8 CD rate decreases in June. Average CD rates on 2 year, 3 year and 5 year certificates of deposit moved slightly higher while 3 month and 6 month rates were unchanged.The biggest decrease the past month was from Chartway Federal Credit Union. CFCU's 6 month rate was lowered from 0.85 percent to 0.70 percent. The largest increase was from Synchrony Bank. The bank's 2 year CD rate was increased from 1.15 percent to 1.25 percent.CD Rates will remain near current levels until the Federal Open Market Committee increases the federal funds rate. Most Fed watchers anticipate an increase during the FOMC's September meeting. The amount of the increase will probably be 0.25 percent, which will send the best CD rates in our database up by the same amount.     Read more...

CD Rate Report June 2, 2015: Best 6 Month CD Rate at 1.00 Percent

A couple of banks increased their CD rates this past week. California First National Bank increased their 6 month CD rate from 0.85 percent to 0.95 percent, putting them in second place in our 6 month rate database. CIT Bank increased their 2 year CD rate from 1.35 percent to 1.40 percent.These increases were small and we won't see any major increases in deposit rates until the Federal Open Market Committee increases their key benchmark interest rate. There is a slight chance the FOMC might increase the rate during their June meeting (June 16th and 17th).If a rate increase doesn't happen this month, July will be the next target for an increase. The FOMC will meet again on July 28th and July 29th to discuss monetary policy. May and June's employment reports will be driving factors on whether or not the rate is increased.     Read more...

Bank CD Rates Report May 21, 2015

Another quiet week for CD rates, no big change in rates for short term or long term certificate of deposits. We don't expect any major changes in CD rates until the Federal Open Market Committee meets next month. If the FOMC does increase the federal funds rate, banks will follow with higher deposit rates.The best CD rate deal in our rate database is MyCBB Bank's 2 month CD rate at 0.80 percent. Investing in short term certificates of deposit right now makes sense because rates are moving higher this year. MyCBB Bank's rate is also higher than all 3 month rates in the database and better than most 6 month rates.Colorado Federal Savings Bank increased their CD rates and the bank is now listed in most of the rate lists below. Capital One Bank also increased their rates and made some of the lists. California First National Bank increased their 6 month rate from 0.85 percent to 0.95 percent. EverBank made small increases to their rates, a couple basis points higher. Discover Bank lowered their 5 year CD rate 10 basis points.     Read more...

Highest Short Term CD Rates: Best 2 Month CD Rate at 0.80 Percent

By now you must have heard the news that the Federal Reserve will increase their key-benchmark interest rate in 2015. When the federal funds rate is increased, CD rates and other bank rates will also increase. Higher rates is good news but you should position your CD investments for higher rates.If you have any certificate of deposit accounts maturing over the next 6 months you should invest in shorter term CDs. This is especially true for long term CD accounts maturing, most banks will automatically roll over your CD into another long term CD.So pay attention to the maturity dates, the last thing you want to do is lock into another 5 year CD at 2.50 percent. You'll have to either watch rates move above the low rate you locked-in or pay an early withdrawal penalty. By the end of 2015, or by early 2016, 1 year CD rates will probably be at 2.50 percent.     Read more...

CD Rate Report May 12, 2015

Listed below are this week's CD rates for certificate of deposit terms ranging between 1 month and 5 years. There have been slight functions in rates offered by banks and credit unions this week. We will have to wait until the FOMC increases the fed funds rate for bigger changes in rates. Also listed below are this week's average CD rates, derived from the CD rate database.

May 12, 2015 CD Rate Report

1 Month CD Interest Rates     Read more...

Top 1 Year CD Rate Now at 1.35 Percent

Banks continue to increase CD rates even before the Federal Reserve increases the federal funds rate. The highest 1 year CD rate in our database is now at 1.34 percent with an APY of 1.35 percent. Last month, the highest rate available was at 1.40 percent. That rate was a promotional rate from Live Oak Bank that ended on April 30. The current average 1 year CD rate is much lower at 0.98 percent.Bank CD rates are moving higher, but the increases are small, and will be small until the Fed increases the fed funds rate. At the beginning of 2015, the best 1 year rate was from Bank Direct at 1.16 percent with an APY of 1.17 percent. As you can see, the highest 1 year CD rate in the database has increased 18 basis points the past 4 months.It won't be long before the fed funds rate is increased and that increase send deposit rates higher. The current fed funds rate has been near zero percent since December 2008. We anticipate an increase in the rate will come either during next month's Fed meeting or during the September meeting.     Read more...

CD Rates at Banks and Credit Unions March 24, 2015

There were no big moves in CD rates week over week, though that will change in the coming months. Last week the FOMC held their two day meeting and released statements pointing to a possible fed funds rate hike in June or September.A higher fed funds rate will send CD rates at banks and credit unions higher. Don't look for any major increases in rates. The Fed will probably hike their key benchmark interest rate by 0.25 increments which will send CD rates up in 0.25 percent increments.The current fed funds rate is in a range of zero percent to 0.25 percent. By the end of 2015 look for the fed funds rate to be between 0.75 percent and 1.00 percent. The fed funds rate near 1.00 percent will send 1 year bank CD rates towards 2.00 percent. The best rates will probably be slightly over 2.00 percent.     Read more...

CD Rate Report March 16, 2015

Certificate of deposit rates are stable this week, no major changes in either average CD rates or the highest CD rates available. Rates are expected to move higher in the near future, when the Federal Open Market Committee (FOMC) increases the federal funds rate.We are still forecasting for the FOMC to increase the fund funds rate by 25 basis points during their mid June meeting. When an increase does take place look for banks and credit unions with the most competitive rates to also increase rates by 25 basis points.Listed below are the best CD rates available this week for CD terms ranging between 1 month and 5 years.     Read more...

Weekly CD Rate Report for March 6, 2015

This past week we saw average  certificate of deposit rates move higher on 1 and 5 year certificates of deposit, while declining on 2 year CDs. The rate changes were small, 1 year CD rates moved up 1 basis point, 2 year rates moved 1 basis point lower, and 5 year rates increased by 2 basis points.There are no new CD rate highs to report for any CD terms this week. Rates will probably hold near current levels until the Federal Reserve increases the federal funds rate. At this time we are looking for a 25 basis point increase to take place after the Fed's June 16-17 meeting.

Listed below are the highest CD rates on the rate tables for CD terms of 3 months to 5 years:

    Read more...

Weekly Update on Certificate of Deposit Rates

Current certificate of deposit rates are stable as we head into the third month of 2015. Some financial institutions have increased CD rates but there are no new highs on the rate tables this week. That will change in the coming months as the Federal Reserve increases the fed funds rate. A higher fed funds rate will lead to higher deposit rates.Listed below are current CD rates for February 26, 2015:3 Month Rates     Read more...

Certificate of Deposit Rates Move Higher as the FOMC is Scheduled to Meet This Week

Banks and credit unions continue to increase certificate of deposit rates this past week. Once again, the rate increases are small since any larger increases will have to wait until the Federal Open Market Committee increases the federal funds rate. The FOMC's next meeting is scheduled for December 16 and 17.There is talk that the FOMC might drop the "considerable time" language on keeping interest rates low. Since the financial crisis and recession 6 years ago, the FOMC has used the language to send signals to the markets that they were in no hurry to increase the federal funds rate.Omitting the language is the last step the FOMC will take before actually increasing the fed funds rate. When the fed funds rate is increased, financial institutions will quickly increase deposit account rates. The FOMC is expected to increase the rate sometime in 2015. The soonest the rate will increase will likely be during the June meeting and the latest the rate will be increased is in the December meeting.     Read more...

Explore Other Rate Deals

Mortgage Rates Lower: 30 Year Mortgage Rates at 5.14%Mortgage rates have retreated from the recent highs set earlier this month. Fixed conforming 30 year mortgage rates are currently averaging 5.14 percent this week, down slightly from the previous week’s average 30 year mortgage rate of 5.17 percent. Although 30 year mortgage rates have increase from a low of 4.84 percent this year, rates are still near historic lows. Near-record low mortgage rates and the First Time Home-Buyer Tax Credit are very compelling reasons to buy a home right now.
The best CD interest rate on our CD rate table in Albany, New York, is from Bank of Internet. Bank of Internet's current 12 month CD interest rate is 1.40 percent with a CD interest yield of 1.41 percent. Next on our list of the best CD rates in Albany, NY is from Sallie Mae. Sallie Mae Bank's current 1 year bank CD rate is 1.39 percent with a bank CD yield of 1.40 percent. 
Mortgage Rates Head Lower on Poor Job Numbers and Fears in Europe: 30 Year Mortgage Rates at 4.85%Mortgage rates continue to head lower following Treasury yields lower on poor job numbers and concerns of the financial crisis in Europe. 30 year mortgage rate dropped from 4.96 percent to 4.85 percent over the weekend. U.S. Treasury yields were down 21 basis points on Friday on a report showing only 432,000 jobs were created in May, which was less than the 513,000 jobs analysts had expected. Fears of Hungary defaulting on its debt also sent Treasury yields down.  The ongoing concerns in Europe will drive Treasury yields and mortgage rates lower this week.

Bank or Credit Union Offers and Deals

Mortgage Rates: Current Mortgage Rates Start the New Year Higher
Millennium Bank 6 Month CD Rate Special
Average CD Rates Hold Steady this Week Despite Negative Unemployment Report
EH National Bank Money Market Account 50K Rates now at 0.83%
Mortgage Loan Rates and Refinancing Rates Mixed This Morning: 15 Year Jumbo Rates Averaging 4.74%
Refinance Rates: Current Refinance Rates on 15 Year Home Loans at 3.34%
E-Loan Savings Interest Account Rates
"Unbanked" and "Underbanked" U.S. Households
Current Mortgage Rates on Fixed Conforming Loans Hit Record Lows
Fed Wraps Up Meeting Today - Will Savings Rates Move Higher?

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3-2 Mortgage Rates Head Lower: 30 Year Mortgage Rates and Refinance Rates at 4.79%
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