If you live or work in any of the below listed counties, you may want to invest here.

Dupaco Community Credit Union will work for you to become a member if you live or work in one of these counties. Winneshiek, Allamakee, Crawford, Fayette, Clayton, Grant, Iowa, Lafayetter, Buchanan, Delaware, Dubuque, Jo Daviess, Stephenson, Benton, Linn, Jones, Jackson, Carroll, Benton, Johnson, Cedar, Scott, Clinton, Whiteside, Muscatine, Rock Island, Washington, and Louisa.

To begin as a member you will need to open a savings account with $25 or more. Once a member, always a member, so if you move somewhere across the US, you can remain a member and your immediate family members have automatic eligibility, even if they work outside the counties in the charter area. You can sign up for a rate alert whenever rates change. Please see current rates below as of
May 4, 2010.

Term Share Certificate Rates With APY Listed:
15 month special = 1.96% ($5k min)
27 month special = 2.46% ($5k min)
35 month special = 2.77% ($5k min)
60 month = 3.02% ($1k min)
48 month = 2.42% ($1k min)
36 month = 2.21% ($1k min)
30 month = 2.06% ($1k min)
24 month = 1.96% ($1k min)
18 month = 1.66% ($1k min)
12 month = 1.61% ($1k min)
06 month = 1.16% ($1k min)

With $1k Minimum to Open, See These Fixed IRA APY Rates:
60 months = 3.02%
36 months = 2.21%
18 month = 1.66%

Variable IRA APY Rates:
$15k and above = 3.04%
$5k-$14,999 = 2.53%
$5-$4,999 = 2.02%

Dupaco Community Credit Union is headquartered in Dubuque, Iowa and current has the highest star rating that can be given by a popular bank rating system company know as Bauerfinancial. They give a 5 star “superior’ rating based on the most recent financial data of 12/31/09. Dupaco can be reached by calling
800-373-7600 or 563-557-7600. Their website is www.dupaco.com. Their lobby hours vary depending on where you are located.

Disclaimer
This post is not regularly maintained, therefore, we cannot guarantee accuracy at the time of your reading. Please check directly with the financial institution before investing.

Do you want the added security of knowing your bank investment is safer than what you are told? FDIC is still here but knowing the true financial condition of your bank can really help too. Maybe you are looking at investing and want to know the current California CD rates. Below are various cities across California and the corresponding banks which we share the current cd rates as of April 25. While these may not always be the highest California cd rates, we strive to combine the safety of the bank with those that offer a decent yield proving to be some of the best cd rates in the country.

One of the highest bank rating systems known across the country for telling us the true and most current financial condition of every single bank is Bauerfinancial. We have also listed the highest rated banks based on the most recent financial data of 12/30/09. These banks listed have at least a 4 star “excellent” or 5 star “superior” rating. No other banks are listed. This info is current as of April 2010. New bank ratings will be available in June 2010. The banks listed are headquartered in the named cities in California.

1. 1st Capital in Monterey – No Info provided
2. American Business in Los Angeles – No Info provided
3. American Plus Bank NA in Arcadia – Current 24 month CD 2.15% APY
4. Asian Pacific National in San Gabriel – $2500 to open a CD, rates vary up to 2 years
5. Balboa Thrift & Lan Association in Chula Vista – No Info provided
6. Bank of Hemet in Riverside – Terms for CD from 3 months to 5 years. Call for rates
7. Bank of Internet USA in San Diego – 1 year cd rate of 1.54% APY
8. Bank of Manhattan NA in El Segundo – No Info provided
9. Bank of Marin in Corte Madera – 6 months and more $1000 minimum deposit
10. Bank of Rio Vista in Rio Vista – No Info provided
11. Bank of Santa Clarita in Santa Clarita
12. Bank of Stockton in Stockton
13. Bank of Whittier NA = Whittier
14. Bank of Willits = Willits
15. Bay Commerical = Walnut Creek
16. Borel Private Bank & Trust = San Mateo
17. Broadway Federal Bank F.S.B. = Los Angeles
18. California Bank of Commerce = Lafayette
19. California Community in Escondidio – Minimum $2500 opening at 1.00% for 12 months
20. California First National Bank = Irvine
21. California Oaks State Bank in Thousand Oaks
22. California Pacific in San Francisco
23. California Republic in Newport Beach
24. California United in Encino
25. Capital Bank and Trust Company = Irvine
26. Citizens Business Bank = Ontario
27. City National = Los Angeles
28. Commerce National = Newport Beach
29. Commonwealth Business = Los Angeles
30. Community Bank = Pasadena
31. Community Bank = Santa Maria
32. Cornerstone Community = Red Bluff
33. County Commerce = Ventura
34. Eastern International = Los Angeles
35. El Dorado Savings in Placerville – 24 month CD at 1.50%
36. Embarcadera = San Diego
37. Farmers & Merchants Bank Central = Lodi
38. Farmers and Merchants Bank = Long Beach
39. First Commerce Bank = Encino
40. First Commercial Bank USA = Alhambra
41. First Federal Savings and Loan of San Rafael
42. First General Bank = Rowland
43. First Northern = Dixon
44. First Security Business = Orange
45. GBC International = Los Angeles
46. Golden Valley Bank = Chico
47. Kaiser Federal = Covina
48. Los Angeles National = Buena Park
49. Luther Burbank Savings = Santa Rosa
50. Malaga Bank F.S.B. = Palos Verdes
51. Manufacturers = Los Angeles
52. Mechanics = Richmond
53. Merchants National = Sacramento
54. Mission = Bakersfield
55. Mission National = San Francisco
56. Mission Valley = Sun Valley
57. Mizuho Corporate Bank of California = Los Angeles
58. Mojave Desert Bank N.A. = Mojave
59. Montecito Bank & Trust = Santa Barbara
60. Murphy Bank = Fresno
61. Nara = Los Angeles
62. Northern California National = Chico
63. Omni Bank N.A. = Alhambra
64. Orange County Business = Newport Beach
65. Pacific Enterprise = Irvine
66. Pacific Premier = Costa Mesa
67. Premier Commercial Bank N.A. = Anaheim
68. Private Bank of California = Los Angeles
69. Rancho Santa Fe Thrift Association = San Marcos
70. Redding Bank of Commerce = Redding
71. Redwood Capital = Eureka
72. River Valley Community = Yuba City
73. San Diego Trust = San Diego
74. Santa Cruz County = Santa Cruz
75. Santa Lucia = Atascadero
76. Savings Bank of Mendocino County = Ukiah
77. Security Bank of California = Riverside
78. Security Business Bank of San Diego
79. Security First = Fresno
80. Silicon Valley = Santa Clara
81. State Bank of India (California) = Los Angeles
82. Summit State = Santa Rosa
83. Tri County = Chico
84. Tustin Community = Tustin
85. Union Bank N.A. = San Francisco
86. United Pacific = City of Industry
87. Valley Business = Visalia
88. Valley Community = Pleasanton
89. Wells Fargo Bank, Ltd. = Los Angeles
90. Wells Fargo Central = Calabasas
91. Wells Fargo HSBC Trade Bank N.A. = San Francisco
92. Westamerica = San Rafael
93. Wilshire State = Los Angeles

Disclaimer:
We have done our best to report financially stable banks in California at this time, however, we cannot guarantee accuracy at the time of your reading. Please check directly with the financial institution for more detail.

One of the highest paying banks in Washington State right now is Raymond Federal Bank. Their CD rates are very competitive considering the economy. The longest term of 5 years is the highest right now at a 3.56% APY. This is almost unheard of with banks, and you may remember a little over a year back when rates were upwards of 5%. For those living in or around WA cities of Raymond, Long Beach and South Bend. For those living in Cosmopolis, Melbourne, or even Aberdeen, it might be worth a drive to get this special rate.

Other rates include a 1.56% APY 1-year CD and a 2.63% APY 3-year CD. For quite a few people, investing long term in bank CD’s may not yield the best return. Rather than tie up money for a long period of time, many are looking to find the best 1 year CD rates in case interest rises. For many a 3.56% APY is a great rate for 5 years. This special may not last long, so you may want to check with a banker at Raymond Federal to find out more details.

If you are looking at investing in a Money Market account, you may also want to ask about the Premier Plus Money Market account being offered at a current rate of 1.31%. This too may be subject to change in the near future, so please call the bank on all rates before assuming here. Also keep in mind that the minimum to open a Money Market account is $20,000.

BauerFinancial rates Raymond Federal bank with 5 stars which is quite unusual for most banks currently. With these types of rates and this sound of a bank it will make a lot of sense for many investors. This bank data is based on research of 12/31/09 last. The bank is also FDIC insured and has been a member since 1934 (FDIC Certificate # 28266).

If you have interest in their checking or savings accounts please give the bank a call today to speak with a representative.

BBVA is a bank which offer many banking solutions from personal to business and corporate. They offer many different services, including checking accounts, check cards, savings and Ira’s, home equity loans, auto loans and house and auto insurance.

BBVA are now offering new customers a signing up bonus of up to $150 to open a new checking account with online bill pay and direct deposit features. Check out their website for the promotional offer. To quality for the full $150, you must first use the online bill paying function. This qualifies you for the first $75.

To receive the second $75, you must use the direct deposit function. After completing these two steps the money will then be credited to your account. There are some fine details for each section, and these are listed below in bullet point form.

The first stage, the online bill paying function requires the following.

• You must open a brand new Compass checking account and sign yourself up for Online Billing Payments by the 2/28/10

• You need to pay at least 5 bills online every 30 days for the first 90 days your account is open to qualify for the bonus money. Each month that you successfully complete the bill paying, you will receive $25, totaling up to the final amount of $75

The second stage, the Direct deposit function requires you to make direct deposits, with the requirements listed below.

• You need to open a new checking account online by 2/28/2010 and sign up for the payroll Direct Deposit system.

• Get your first payroll Direct Deposit within 30 days that your account is open to qualify for the offer.

• Your $75 bonus will be deposited, within 120 days of first recurring payroll direct deposit, providing you have filled all the requirements that need to be done.

• You must deposit a minimum of $25 to open the account and qualify for the money

• The offer is available to new checking households only, so if you already have a checking account with BBVA, or someone else in your household does unfortunately you are not eligible for the offer.

• The bonus may be affected by income tax reporting, depending on individual circumstances.

• There is a limit of one $150 bonus per household regardless of how many people live there.

• You will receive your bonus on the last business day of the month. To be eligible for the bonuses there are two main requirements you must fill.

• You must be a US citizen with valid citizenship.

• You must be a resident of one of the following states. Unfortunately at this time people from outside these states can not participate. Alabama, Arizona, Colorado, Florida, New Mexico, or Texas.

If you are interested in the offer, visit the BBVA website for more details. This offer is good as of  1/09/10.

It has been a while since we have covered a bank as large as Chase, so lets take a look and see what deals they have and how Chase bank CD rates compare to the national average right now. As of right now, Chase has 6-Month CD’s at 0.25% which is not too great, but that is a minimum deposit of $1000 dollars. Moving on to the odd month term of 7 months at $10,000 minimum investment, the rate is 0.75% which is above the national average.

Currently in the US as of October 17 2009, the national rates on Bank CD’s are as follows. CD (Certificates of Deposit) rates – 3 Month with a minimum investment of $1000-$10,000 is 0.595%. For 60 month CD rates the average is 2.4%.

These rates are worse than the previous week, and large banks are usually the last to give the best CD rates. If you are looking for a bank that can beat the national average then finding a small local bank is going to be your best bet. They will many times run specials in specific regions for locals only. If you bank with Chase, and the rate you see above isn’t tempting enough for you at this point, then you may want to wait until they have some special rates which will most likely occur after the new year.

If there are any Bank specials from Chase we will keep you posted and post them here.

As we near the end of 2009, many people are wondering what the outlook for 2010 will be. At one point CD rates got as high as almost 7%, but now in 2009 we haven’t seen anything good for a while. This past week cd rates were at an all time low. Will CD rates go down even lower in 2010? Probably not, as they can’t go much lower now.

A lot of what will depend on whether CD rates rise in 2010 will have to do with the economy. If the Fed keeps their funds rate as low as they have for next year which as of right now stands between 0 and 1/4 percent, then we aren’t going to see much action for Bank CD’s. On the other hand if the economy starts turning around, you can bet that the Feds will probably see a need to increase rates with inflation which will in turn cause banks to do the same.

For those that are savvy investors this can be a very good thing. But you can also bet that mortgage rates will probably go up to so that banks can even the score. If you have invested money in a long term CD that is yielding higher than 2 1/2 to 3% you are doing alright. There are still a few banks that show a little juice once in a while with an unexpected special rate for a short term CD, but for the most part, short term cd rates are pretty dead.