Lone Star Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.55%, 6-month CD rates at 5.30% and 3-month CD rates at 4.00%. Current savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 7.06%. Credit Card rates are at 9.20%. Personal Loan rates are at 12.25%. All these rates, and more, can be found in our database of rates. Lone Star Bank's 3-Month CD rates are at 5.15%, 6-Month CD rates are at 5.15%, 12-Month CD rates are at 3.50%, 18-Month CD rates are at 2.50%, 60-Month CD rates are at 0.71%. Lone Star Bank's savings rates are at 0.40%. Lone Star Bank's money market rates are at 5.00%.

Lone Star Bank

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

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

Lone Star Bank Texas Ratio

Lone Star Bank's Texas Ratio is at 1.47%, which is considered excellent. The Texas Ratio for Lone Star Bank 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, Lone Star Bank 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
3.50%
18-Month CD
2.50%
24-Month CD
0.41%
36-Month CD
0.51%
48-Month CD
0.61%
60-Month CD
0.71%
Savings
0.40%
MMA
5.00%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Lone Star Bank
2600 S Gessner Rd
Houston, TX 77063
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Lone Star Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Lone Star Bank
Lone Star Bank
3-Month CD
5.15%
$1,000
Lone Star Bank
Lone Star Bank
6-Month CD
5.15%
$1,000
Lone Star Bank
Lone Star Bank
Personal Money Market
5.00%
$500,000
Lone Star Bank
Lone Star Bank
12-Month CD
3.50%
$1,000
Lone Star Bank
Lone Star Bank
18-Month CD
2.50%
$1,000
Lone Star Bank
Lone Star Bank
60-Month CD
0.71%
$1,000
Lone Star Bank
Lone Star Bank
48-Month CD
0.61%
$1,000
Lone Star Bank
Lone Star Bank
36-Month CD
0.51%
$1,000
Lone Star Bank
Lone Star Bank
24-Month CD
0.41%
$1,000
Lone Star Bank
Lone Star Bank
Savings Account
0.40%
$200
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 Lone Star Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Modern Bank
Modern Bank
6-Month CD
5.25%
$10,000
American State Bank (TX)
American State Bank (TX)
12-Month CD
5.13%
$1,000
ableBanking
ableBanking
12-Month CD
5.00%
$5,000
WaterStone Bank
WaterStone Bank
13-Month CD special
5.00%
$5,000
American Express National Bank
American Express National Bank
11-Month CD
4.75%
$0
Greenstate Credit Union
Greenstate Credit Union
23-Month CD special
4.60%
$1,000
Abbey Credit Union
Abbey Credit Union
18-Month CD
4.60%
$500
North Brookfield SB
North Brookfield SB
13-Month CD
4.55%
$5,000
Northern Bank Direct
Northern Bank Direct
60-Month CD
4.50%
$500
Bank of Luxemburg
Bank of Luxemburg
18-Month CD
4.45%
$1,000
Henderson FSB
Henderson FSB
9-Month CD
4.34%
$500
Ridgewood Savings Bank
Ridgewood Savings Bank
12-Month CD
4.25%
$100
First Community Bank Beemer, NE
First Community Bank Beemer, NE
18-Month CD
4.16%
$10,000
Thayer County Bank
Thayer County Bank
24-Month CD
4.05%
$2,500
KodaBank
KodaBank
6-Month CD
4.04%
$1,000
First County Bank
First County Bank
6-Month CD
4.00%
$1,000
Susser Bank
Susser Bank
18-Month CD
3.85%
$1,000
U.S. Bank
U.S. Bank
15-Month CD
3.55%
$1,000
Cape Cod Co-operative Bank
Cape Cod Co-operative Bank
24-Month CD
3.50%
$500
Corebank
Corebank
Money Market Personal MMDA
3.30%
$250,000
First Bank Hampton
First Bank Hampton
60-Month Jumbo CD
3.09%
$100,000
Grove Bank
Grove Bank
60-Month CD
2.82%
$1,000
Castroville State Bank
Castroville State Bank
24-Month CD
2.53%
$1,000
FNB of Dennison
60-Month CD
2.27%
$1,000
First Bank Elk River
First Bank Elk River
12-Month CD
2.17%
$1
First National Bank in Olney
First National Bank in Olney
Personal Plus Checking
2.02%
$100
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
60-Month CD
2.00%
$1,000
Thomaston Savings Bank
Thomaston Savings Bank
48-Month CD
1.85%
$1,000
Walden Savings Bank
Walden Savings Bank
48-Month CD
1.70%
$1,000
First Federal S&L Pascagoula, MS
First Federal S&L Pascagoula, MS
48-Month CD
1.60%
$10,000
CIT Bank
CIT Bank
Money Market
1.55%
$100
Dundee Bank
Dundee Bank
60-Month CD
1.45%
$500
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
48-Month CD
1.26%
$1,000
FNB of Brownstown
48-Month CD
1.25%
$1,000
Bluff View Bank
Bluff View Bank
Money Market Plus
1.25%
$50,000
Bank of Pontiac
Bank of Pontiac
60-Month CD
1.10%
$500
Peoples B&T Co. Ryan, OK
Peoples B&T Co. Ryan, OK
60-Month CD
1.09%
$500
Federation Bank
Federation Bank
48-Month CD
1.05%
$500
First Bank Burkburnett, TX
First Bank Burkburnett, TX
6-Month CD
1.00%
$1,000
RBT Rollstone B&T
RBT Rollstone B&T
24-Month CD
1.00%
$500
Movement Bank
Movement Bank
6-Month CD
0.65%
$500
Hardin County SB
Hardin County SB
Simply Interest Checking
0.55%
$1,500
Atkins Savings B&T
Atkins Savings B&T
Money Market
0.50%
$1,500
Somerset Savings Bank
Somerset Savings Bank
48-Month CD
0.40%
$500
Lewis & Clark Bank
Lewis & Clark Bank
48-Month CD
0.35%
$500
SSB Sherwood State Bank
SSB Sherwood State Bank
30-Month CD
0.25%
$1,000
Harleysville Bank
Harleysville Bank
15-Month CD
0.20%
$500
Jarrettsville Federal S&L
Jarrettsville Federal S&L
Statement Savings Account
0.15%
$1
North Country Savings Bank
North Country Savings Bank
18-Month CD
0.10%
$1,000
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
Savings Account
0.05%
$100
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.

Lone Star Bank Information

Lone Star Bank
2600 S Gessner Rd
Houston, TX 77063
Harris
Established Date: 08/23/2006
FDIC Certificate #: 58324
Date of FDIC Deposit Insurance: 08/23/2006
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is Lone Star Bank FDIC Insured? Yes
What is Lone Star Bank's Cert number? 58324
What is the maximum amount for insured deposits? $250,000 per holder, per account

Lone Star Bank Financials

Total Assets:
$155,290,000
Total Deposits:
$134,197,000
Equity Capital:
$20,675,000
Domestic Deposits:
$134,197,000
Net Income:
$414,000
Return on Assets:
1.2133%
Quarterly Return on Assets:
1.0500%
Pretax Return on Assets:
1.3262%
Pretax Quarterly Return on Assets:
1.3300%
Return on Equity:
9.7000%
Quarterly Return on Equity:
8.1200%
Common Equity Tier 1 Capital Ratio:
17.1759%
Tier 1 Risk-Based Capital Ratio:
17.1759%
Leverage Tier 1 (Core Capital) Ratio:
12.9129%
Total Risk-Based Capital Ratio (YTD):
18.4299%
Total Interest Income (YTD):
4.5756%
 
 
Headquarters:
Houston
FDIC Field Office:
Houston
Regulator:
FDIC
County:
Harris
# of Offices:
4
Metropolitan Statistical Area (MSA):
Houston-The Woodlands-Sugar Land, TX
Consolidated Metropolitan Statistical Area (CMSA):
Houston-Galveston-Brazoria, TX
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC

Lone Star Bank 6 Month CD Rates now at 0.30%

Lone Star Bank 6 Month CD rates are now at 0.30 percent with a yield of 0.30 percent. View current 6 Month CD rates at Lone Star Bank below.     Read more...

Lone Star Bank 9 Month CD Rates now at 0.30%

Lone Star Bank 9 Month CD rates are now at 0.30 percent with a yield of 0.30 percent. View current 9 Month CD rates at Lone Star Bank below.     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...

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...

Higher Fed Funds Rate Later This Year Will Send Deposit Rates Higher

Federal Reserve Chairwoman, Janet Yellen, said in a speech to the Chamber of Commerce in Providence, R.I, that she still expects the Fed to start raising its benchmark interest rate later this year. A hike in the federal funds rate will send savings rates and money market rates higher.We expected the Fed to increase the rate during their scheduled June meeting. It now looks like a rate hike during the June meeting is off the table. An increase will probably come during the July or September meeting. The Fed is eager to normalize monetary policy by increasing the fed funds rate from the current target of zero percent to one quarter percent.Janet Yellen said the following in Providence:     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...

Money Market Rates and Savings Rates Report May 17, 2015

The highest savings account rates and money market account rates for May 17, 2015, are listed below.Highest Savings Rates
        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...

Savings Rates Set to Increase in the 2nd or 3rd Quarter

Deposit rates are set to increase sometime in the next several months when the Federal Reserve increases the federal funds rate. The likelihood of an increase gets greater as more time passes. The latest an increase will come is likely in September.Current average savings rates are at 0.48 percent for account balances of at least $10,000. The best savings rates available are more than double the average. In our database, two different banks are offering the best rate at 1.04 percent with an APY of 1.05 percent. The best money market rate is slightly lower at 1.01 percent APY.National Average Savings Rates May 4 2015The increase in the fed funds rate will most likely increase by 0.25 percent. That will send the highest savings rates and money market rates towards 1.30 percent. The best 1 year CD rates, currently around 1.25 percent, will rise towards 1.50 percent.     Read more...

Live Oak Bank Tops our 1 Year CD Rate List at 1.40 Percent

We have a new leader in our 1 year certificate of deposit rate database. 1 year CD rates at Live Oak Bank were increased to 1.40 percent with an APY of 1.40 percent. The old highest CD rate was from a credit union at 1.30 percent with an APY of 1.31 percent.Live Oak Bank also has a new 2 year CD rate that is now the best rate in 2 year CD rate database. The bank's 2 year CD rate is at 1.50 percent with an APY of 1.50 percent. Both the 1 year and 2 year CD rate is only available until May 1, 2015. The minimum opening deposit is $75,000 for both the 1 year and 2 year CD.If you don't have $75,000 to open a CD account at Live Oak Bank, you can still find high CD rates with lower minimum deposits in our rate database.     Read more...

Current CD Rates, the Calm Before the Storm

The next few months will be the calm before the storm regarding CD rates. Banks and credit unions will keep CD rates near current levels until the Federal Open Market Committee (FOMC) increases the federal funds rate. Our money is on the FOMC increasing the fed funds rate in the June meeting.The last time the fed funds rate was increased was way back in July 2006, when the rate was increased from 5.00 percent to 5.25 percent. You can view the rate's history going back to 1954 on the St. Louis Fed's website: Fed Funds Rate ChartThe current fed funds rate, near 0.00 percent, is a long way away from 5.00 percent. Unless inflation picks up considerably, we don't expect to see the fed funds rate near 5.00 percent until 2018. By the end of 2015, the rate should be near 1.00 percent, which will send 1 year bank CD rates above 2.00 percent. The last time we saw a 2.00 percent rate on a 1 year certificate of deposit was about 5 years ago.     Read more...

8 Banks Now Offering Deposit Rates at 1.00 Percent or Higher

There are now 8 banks on our variable deposit rate list offering rates at or above 1.00 percent. GE Capital Bank and My Savings Direct have the best savings rate at 1.04 percent with an APY of 1.05 percent. The savings rate at GE Capital Bank was recently increased from 1.00 percent.EverBank has the top money market rate with 1.01 percent APY. I should note, the EverBank MMA has an intro period of 1.40 percent for 6 months, then the rate falls to 0.61 percent. The first annual percentage yield combined is 1.01 percent.We don't anticipate variable interest rates to move much higher from current levels until the Federal Reserve increases the fed funds rate.  The current fed funds rate has been in a targeted range of zero percent to one quarter percent since Average Variable Deposit Rates April 8 2015December 2008.     Read more...

Current Savings Rates/Money Market Rates

Listed below is a quick rundown of the best deposit rates available this week:Current Top 10 Savings Rates
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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...

Explore Other Rate Deals

My e-BAnC by BAC Florida Bank 2 Year Jumbo CD rates are now at 1.44 percent with a yield of 1.45 percent. View current 2 Year Jumbo CD rates at My e-BAnC by BAC Florida Bank below.
401k planCongress has just voted to suspend mandatory 401K withdrawals for people over the age of 70. President Bush is expected to sign the legislation. The suspension is only for the 2009 tax year.
The economic recovery is in full swing in most states. The Bureau of Economic Analysis released State Personal Income which shows an increase on average of 5.1% for 2011. This past year's increase was better than 2010 when personal income increased 3.7%. The highest increase was in North Dakota at 8.1% and the lowest increase was 3.4% in Maine. Personal income is income received by all persons from all sources.

Bank or Credit Union Offers and Deals

Mortgage Rates Forced Lower by QE4 and Global Bond Markets
Mortgage Crisis Was Avoidable
Silvergate Bank Money Market Account Rates now at 1.10%
Average CD Rates - November 16, 2009
Freddie Says Mortgage Rates Remain Low
Mortgage Rates Continue to Decline: 30 Year Mortgage Rates at 4.75%
CD Rates: Average Rates on Certificates of Deposit Decline Again This Week
Mortgage Rates and Mortgage Applications Fall: 30 Year Mortgage Rates at 4.55%
Weekly Mortgage Rates: 30 Year Mortgage Rates at 3.90%
Mortgage Rates: 30 Year Mortgage Rates Averaging 5.03%

Alternative Bank and Credit Union Offers to Explore

Mortgage Rates: 15 Year Mortgage Rates at 3.33%
Mortgage Rates Hit All Time Record Low: 30 Year Mortgage Rates at 3.91%
First Florida CU CD Rates
Costco/Capital One Bank 18 months CD Rate
Choosing a Mortgage That Best Fits Your Needs Financially
Mortgage Rates: Current Mortgage Rates Mixed, 30 Year Mortgage Rates at 4.80%, Refinance Applications up 17%
Marcus Savings Rate: 2.50% APY Referral Bonus
Dollar Savings Direct Online Savings Account
Best Rates Available Still on Online Savings Accounts
Getting the Best Car Insurance Rates

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