M.Y. Safra Bank 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 5.09% and 3-month CD rates at 0.05%. Current savings rates are at 1.00% and money market rates are at 2.55%. Mortgage rates today on 30-year fixed loans are around 6.65%. Credit Card rates are at 17.75%. Personal Loan rates are at 9.20%. All these rates, and more, can be found in our database of rates. M.Y. Safra Bank's 24-Month CD rates are at 3.00%, 18-Month CD rates are at 3.00%, 12-Month CD rates are at 3.00%, 60-Month CD rates are at 3.00%, 48-Month CD rates are at 3.00%. M.Y. Safra Bank's money market rates are at 2.51%.

M.Y. Safra Bank

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

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

M.Y. Safra Bank Texas Ratio

M.Y. Safra Bank's Texas Ratio is at 0.11%, which is considered excellent. The Texas Ratio for M.Y. Safra 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, M.Y. Safra 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
3.00%
18-Month CD
3.00%
24-Month CD
3.00%
36-Month CD
3.00%
48-Month CD
3.00%
60-Month CD
3.00%
Savings
N/A
MMA
2.51%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
M.Y. Safra Bank
499 Park Ave
New York, NY 10022
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

M.Y. Safra Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
M.Y. Safra Bank
M.Y. Safra Bank
12-Month CD
3.00%
$500
M.Y. Safra Bank
M.Y. Safra Bank
24-Month CD
3.00%
$500
M.Y. Safra Bank
M.Y. Safra Bank
36-Month CD
3.00%
$500
M.Y. Safra Bank
M.Y. Safra Bank
48-Month CD
3.00%
$500
M.Y. Safra Bank
M.Y. Safra Bank
60-Month CD
3.00%
$500
M.Y. Safra Bank
M.Y. Safra Bank
18-Month CD
3.00%
$500
M.Y. Safra Bank
M.Y. Safra Bank
Platinum Money Market
2.51%
$5,000
M.Y. Safra Bank
M.Y. Safra Bank
6-Month CD
2.25%
$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 M.Y. Safra Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bask Bank
Bask Bank
6-Month CD
5.15%
$1,000
Midwest Heritage Bank
Midwest Heritage Bank
6-Month CD
5.03%
$5,000
Ohio State Bank
Ohio State Bank
18-Month CD
4.75%
$500
First Internet Bank of Indiana
First Internet Bank of Indiana
48-Month CD
4.50%
$1,000
Generations Bank
Generations Bank
6-Month CD
4.50%
$1,000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
13-Month CD
4.50%
$1,000
Sawyer Savings Bank
Sawyer Savings Bank
6-Month CD
4.50%
$500
Ally Bank
Ally Bank
18-Month CD
4.45%
$0
The Peoples S&L Co.
The Peoples S&L Co.
18-Month CD
4.42%
$500
Raymond James Bank
Raymond James Bank
60-Month CD
4.20%
$1,000
Utah Independent Bank
Utah Independent Bank
6-Month CD
3.84%
$500
Aaec Credit Union
Aaec Credit Union
36-Month CD
3.75%
$1,000
Freedom Bank of Virginia
Freedom Bank of Virginia
12-Month CD
3.50%
$500
Pathway Bank
Pathway Bank
24-Month CD
3.50%
$1,000
TriCentury Bank
TriCentury Bank
48-Month CD
3.50%
$1,000
All America Bank
All America Bank
48-Month CD
3.49%
$500
Teachers Federal Credit Union
Teachers Federal Credit Union
60-Month CD (Certificate)
3.25%
$1,000
Bank of Easton
Bank of Easton
Premium Money Market
3.04%
$250,000
Sanborn Savings Bank
Sanborn Savings Bank
24-Month CD
2.52%
$1,000
Chain Bridge Bank
Chain Bridge Bank
36-Month CD
2.18%
$500
South Ottumwa SB
South Ottumwa SB
24-Month CD
2.10%
$500
State Bank Fenton, MI
State Bank Fenton, MI
60-Month CD
1.76%
$500
VisionBank Of Iowa
VisionBank Of Iowa
18-Month CD
1.60%
$2,500
1st Midamerica Credit Union
1st Midamerica Credit Union
60-Month CD certificate
1.51%
$1,000
Community Bank of Oelwein
Community Bank of Oelwein
48-Month CD
1.45%
$1,000
Shelby County State Bank
Shelby County State Bank
24-Month CD
1.21%
$1,000
Midland Community Bank
Midland Community Bank
48-Month CD
1.10%
$1,000
BankStar Financial
BankStar Financial
Statement Savings
1.00%
$100
PeopleFirst Bank
PeopleFirst Bank
24-Month CD
1.00%
$2,500
American Eagle Financial Credit Union
American Eagle Financial Credit Union
60-Month CD certificate
0.75%
$500
FNB of Hereford
FNB of Hereford
NOW Account
0.70%
$1,000
Farmers State Bank Center, TX
Farmers State Bank Center, TX
Money Market Plus Account
0.55%
$25,000
FirstOak Bank
FirstOak Bank
3-Month CD
0.55%
$600
Pioneer Bank Albany, NY
Pioneer Bank Albany, NY
36-Month CD
0.55%
$500
Maspeth Federal S&L
Maspeth Federal S&L
Money Market
0.50%
$2,500
Cecil Bank
Cecil Bank
36-Month CD
0.40%
$500
First Bank of Central Ohio
First Bank of Central Ohio
48-Month CD
0.30%
$500
Town & Country B&T Co.
Town & Country B&T Co.
36-Month CD
0.30%
$1,000
Spring Bank Brookfield, WI
Spring Bank Brookfield, WI
Savings Account
0.25%
$100
Queenstown Bank
Queenstown Bank
12-Month CD
0.25%
$500
Washington Savings Bank Lowell, MA
Washington Savings Bank Lowell, MA
6-Month CD
0.20%
$500
Bank of Herrin
Bank of Herrin
Statement Savings
0.10%
$50
1st Security Bank of Washington
1st Security Bank of Washington
Money Market Tiered
0.05%
$1,500
Fidelity Federal S&L of Delaware
Fidelity Federal S&L of Delaware
New Checking Account
0.05%
$250
Premier Bank
Premier Bank
6-Month CD
0.05%
$500
First Technology Federal Credit Union
First Technology Federal Credit Union
Membership Savings
0.05%
$5
Fairfield Federal S&L of Lancaster
Fairfield Federal S&L of Lancaster
Passbook Savings
0.03%
$5
NCF Savings Bank
NCF Savings Bank
Statement Savings
0.02%
$0
Liberty Bank for Savings
Liberty Bank for Savings
Savings Account
0.01%
$500
Pataskala Banking Company
Pataskala Banking Company
Money Market Check Saver
0.01%
$25
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.

M.Y. Safra Bank Information

M.Y. Safra Bank
499 Park Ave
New York, NY 10022
New York
Established Date: 06/05/2000
FDIC Certificate #: 35154
Date of FDIC Deposit Insurance: 06/05/2000
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is M.Y. Safra Bank FDIC Insured? Yes
What is M.Y. Safra Bank's Cert number? 35154
What is the maximum amount for insured deposits? $250,000 per holder, per account

M.Y. Safra Bank Financials

Total Assets:
$357,801,000
Total Deposits:
$276,730,000
Equity Capital:
$40,671,000
Domestic Deposits:
$276,730,000
Net Income:
$440,000
Return on Assets:
0.0958%
Quarterly Return on Assets:
0.4900%
Pretax Return on Assets:
0.5310%
Pretax Quarterly Return on Assets:
0.5300%
Return on Equity:
0.8700%
Quarterly Return on Equity:
4.3900%
Common Equity Tier 1 Capital Ratio:
17.6844%
Tier 1 Risk-Based Capital Ratio:
17.6844%
Leverage Tier 1 (Core Capital) Ratio:
12.1782%
Total Risk-Based Capital Ratio (YTD):
18.9351%
Total Interest Income (YTD):
3.1598%
 
 
Headquarters:
New York
FDIC Field Office:
New York City
Regulator:
OCC
County:
New York
# of Offices:
1
Metropolitan Statistical Area (MSA):
New York-Newark-Jersey City, NY-NJ-PA
Consolidated Metropolitan Statistical Area (CMSA):
New York-Northern New Jersey-Long Island, NY-NJ-CT-PA
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

12 Month CD Rates Higher Than Inflation Rate

Twelve month CD rates are now above the current inflation rate and this hasn't been the case for over a decade. This is great news for retirees who can now invest in certificates of deposit and actually make money when inflation is taken into account.For the past decade, if you invested in certificates of deposit, you were probably getting a CD rate lower than the rate of inflation. You actually lost money by investing in either short term or long term certificates of deposit.For example, back in 2012, the highest 12 month CD rates were around 1.00 percent. The inflation rate in 2012 was 2.10 percent, giving you a negative return of 1.10 percent. Looking at it another way, for every $10,000 invested you actually lost $110.00.     Read more...

All CD Rates Move Higher as Bank CD Rates Increased

Bank CD rates are higher this week as ten different banks increased CD rates on a wide range of CD products. The largest increase was from TAB Bank, which increased their 6 month CD rate by 25 basis to 2.12 percent. TAB now has the second highest 6 month CD rate currently available. The highest 6 month rate is held by My eBanc at 2.20 percent.

The second largest increase was from Home Savings Bank, who increased their 2 year CD rates by 15 basis points to 2.65 percent. Popular Direct currently has the top 2 year CD rate at 2.91 percent with a yield of 2.95 percent.

Bank CD Rates IncreasedAnother recent milestone is seeing 3 year CD rates hit 3.00 percent for the first time in nearly a decade. M.Y. Safra Bank, FSB, is the latest bank to increase their 3 year rates. M.Y. Safra Bank now has their 3 year rate at 2.97 percent with a yield of 3.00 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...

Highest CD Rates Move Higher as Banks Increase Rates

The highest CD rates continue to move higher as online banks increase rates again this week. 10 different online banks and credit unions increased a slew of CD rates over the past seven days. Rates on both short term and long term certificates of deposits moved higher.The biggest increases again this week were on shorter term certificates of deposit. This is because the Federal Reserve is driving short term rates higher. The Fed is scheduled to meet in the middle of next month and is widely expected to increase rates again.

Highest CD Rates

    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 Money Market Rates at 1.41% This Week

There are new highs for money market rates and savings rates this week. The best variable deposit rate this week is from UFB Direct at 1.40 percent with an annual percentage yield of 1.41 percent. UFB Direct's variable account is actually called a money market savings account. The minimum opening deposit is $5k.Money Market Rates at UFB DirectMoney market rates have been moving higher for about a year now as a result of the Federal Reserve increasing the federal funds rate. The Fed is expected to continue increasing rates, therefore, deposit rates will also move higher in the coming years.Rates moved much higher just over the summer. Back in June, the top MMA rate was at 1.15 percent, 26 basis points less than the current rate. Read the post at Rates Move Higher in 2017.     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...

CD Rates Continue to Move Higher in September

Keeping with the uptrend in 2017, CD rates continue to move higher in September. In August, the top 1 year CD rate was at 1.55 percent, this month the top 1 year CD rate is at 1.60 percent. Popular Direct, EverBank, and Pacific National Bank are all offering 1 year CD rates at 1.59 percent with a yield of 1.60 percent.

At the beginning of the year, the top 1 year rate was only at 1.35 percent, 25 basis points lower than the current rate. Shorter term CD rates moved higher this year because the Federal Reserve has been increasing the fed funds rate, the rate banks use to lend each other money overnight. These rate increases have put upward pressure on short term interest rates and bond yields.

CD rates with terms shorter than 1 year are also moving higher. The top 3 month CD rate is week is from Luana Savings Bank at 1.05 percent. Last month, the top 3 month CD rate was at 1.00 percent. The top 6 month CD rate this month is at 1.26% from M.Y. Safra Bank, FSB. In August, the top 6 month rate was at 1.21 percent.

CD Yield Curve Flattening

As short term CD rates move higher, longer term rates have been stagnant, increasing a lot less than short term rates, which is flattening the yield curve. The top 2 year CD rate is at 1.71 percent, only 11 basis points higher than the top 1 year rate.

    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...

Explore Other Rate Deals

mortgage-rates-refinance-mortgage-rates-lower-30-year-mortgage-refinance-rates-at-485Mortgage refinance rates headed lower this week over last. The ongoing concerns in Europe drove investors to buy dollars and U.S. Treasuries. When Treasury prices move higher Treasury yields move lower. Mortgage rates are tied to U.S. Treasuries so when yields head down, mortgage rates also head down. 10 year Treasury yields closed yesterday at 3.16 percent, the lowest point since October 2009. 30 year mortgage rates hit a low of 4.78 percent yesterday but have since rebounded to 4.85 percent this morning.
did-low-current-mortgage-rates-drive-toll-bros-contact-signings-higherHistorically speaking, current mortgage rates are near record lows. Could these low mortgage rates drive Toll Brothers sales contracts higher?
Mortgage rates increased overnight, current mortgage rates on 30 year home loans are averaging 4.09%, up from yesterday's average 30 year mortgage rate of 4.00%. Today's mortgage rates on 15 year home loans are also higher averaging 3.36%, up from yesterday's average 15 year mortgage rate of 3.34%.

Bank or Credit Union Offers and Deals

Mortgage Rates Hit New Record High for 2023: 30-Year Rates at 8.099%
Mortgage Rates Head Higher Today 12-4-10: 30 Year Mortgage Rates and Refinance Mortgage Rates at 4.49%
Low Savings Account Rates Until 2015
Today's Mortgage Rates Decline, 30 Year Rates Averaging 4.20%
Charge offs and delinquencies improve nearly across the board
Balance Billing
Ally Bank 18 Month CD Rates now at 1.29%
Mortgage Rates Jump Higher: 30 Year Mortgage Rates at 5.16%
Discover Bank Money Market Account
Interest Mortgage Rates 11/20: 30 Year Mortgage Rates Averaging 4.38%, 15 Year Mortgage Rates Averaging 3.78%

Alternative Bank and Credit Union Offers to Explore

AIG Bank Money Market Accounts
Mortgage Rates: 30 Year Mortgage Rates at 4.93% 15 Year Mortgage Rates at 4.33%
Mortgage Rates Will Head Higher this Year and in 2015
CU of Colorado Savings Rates and Money Market Account Rates
Salem Five Direct Savings Rates
Mortgage Rates Higher Again This Week: 30 Year Refinance Rates and Mortgage Rates at 4.28%, 15 Year Rates hit 3.78%
Mortgage Rates: Current Mortgage Rates Up Slightly
Credit Card Balance Transfer Offer
Brexit Sends Average 30 Year Mortgage Rates to New Low for 2016
Best Savings Rate at 1.26% APY - Higher Deposit Rates in 2015

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