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ShoreBank, a bank based mainly in Chicago currently is offering a 3.50% APY Savings Account.

Here some features –

• $1 minimum to open up an account.
• No monthly fees.
• 24 hour account management.
• FDIC Insured.

Interest is accrued daily and compounded monthly.  The interest will be added to your balance at the end of each month.  You can link up to six accounts to your ShoreBank Direct Savings Account.

For more information on the account, visit ShoreBankDirect.com.

Imperial Bank currently offers a high interest rate iMoney Market Checking Account.  Depending on how much you invest, will depend on your rate. 

Here’s the minimum balance chart –

• $2500 - $24999:  3.00% APY
• $25000 - $49999:  3.10% APY
• $50000 - $99999: 3.25% APY
• $100000+:  3.70% APY

Here are some features that you’ll get as well with the iMoney Market account –

• Visa(r) Debit Card
• 6 Foreign ATM usage and surcharge fees waived monthly.
• Free 24/7 telephone banking access.
• Monthly maintenance fee waived with a $5000 average balance.

The minimum deposit to open an account is $2,500.  This account is FDIC insured.  Imperial Capital Bank has a 2 /5 star Bankrate.com rating.

To get more information on this account, visit ImperialCapitalBank.com or call 1-866-413-5626.

Thanks to a e-mailer (you didn’t leave your name!)  who sent me this.

Start 2009 off right by receiving a $75 bonus with PNC Bank.  Act fast because this offer ends on 1/31/2009.

Here’s how you do it –

• Open up a new PNC Personal Checking Account.
• Enroll in online banking.
• Make your first direct deposit of at least $500 within 7 days.

Here’s what the checking account offers –

• Free transactions at any PNC Bank ATM.
• Non-PNC ATM fees reimbursed with a $2,000 average monthly balance.
• No minimum balance requirement.
• No monthly service charge.
• Earn rewards with a PNC Visa Check Card.
• Free online banking with bill pay.

PNC is FDIC insured and has many locations mainly on the East side of the United States.  For more information on this deal, visit PNC.com.

CD rates are down for yet another week.  Here’s a quick glance at the top CDs for 1/13/09 –

• 3 month:  Umbrella Bank 2.50% APY
• 6 month:  Nexity Bank 2.96% APY
• 1 year:  GMAC  3.75% APY
• 18 month:  Umbrella Bank  3.25% APY
• 2 year:  GMAC  3.40% APY
• 3 year:  GMAC  3.40% APY
• 5 year:  Allied First  3.95% APY

By the looks of it, GMAC is offering a very attractive 1 year CD rate at 3.75% APY.  This rate is higher than their 2 and 3 year rate.  For more information on GMAC’s CD rates, visit GMACBank.com.

This week’s top 3 money market accounts –

• Dollar Savings Direct — 4.00% APY — $1,000 min. balance
• Flagstar Bank — 3.55% APY — $1 min. balance
• Bank of Internet — 3.51% APY — $100 min. balance

Here are some new faces on the top 10 charts –

Nationwide Bank, Nexity Bank, Intervest Nat Bank, and American Bank

If you haven’t done so already, be sure to participate on our home poll page to tell the readers what you’re thinking about investing in!  Vote on http://www.gotalkmoney.com today!

Patelco Credit Union is offering a unique offer to new members only.  If you open up a 1 year CD with their credit union, you can invest up to $1,000 at a 7% APY rate.  The dividends pay monthly.

If you’re curious how their other CDs look, here’s a quick glance –

• 3-5 months:  2.15% APY
• 6-11 months:  2.35% APY
• 12-23 months: 2.90% APY
• 24-35 months:  3.15% APY
• 36-47 months:  3.40% APY
• 48-59 months:  4.00% APY
• 60 months: 4.00% APY

Patelco has over 250,000 member with over $4 billion in assets.  They are NCUA insured. 

For more information, visit Patelco.org or call 1-800-358-8228.