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The Baldwin State Bank

Category: Bank Deals, CD Rates, Local Bank Deals- fhuff- 3:11 pm/ August 30, 2010

The Baldwin State Bank has a 1-year certificate of deposit (CD) with a 1.51% annual percentage yield (APY) for balances of $20,000 and up. Other CD rates for 1-year deposits are 1.36% for deposits of $5,000 to $20,000 and 1.16% for under $5,000. Other tiered CD rates and terms include:

  • 3 months - 0.85 APY for $20,000 and up, 0.7% APY for $5,000 to $20,000, and 0.55% APY for under $5,000
  • 6 months - 1.06% APY for $20,000 and up, 0.9% APY for $5,000 to $20,000, and 0.75% APY for under $5,000
  • 18 months - 1.56% APY for $20,000 and up, 1.41% APY for $5,000 to $20,000, and 1.26% APY for under $5,000
  • 24 months - 1.87% APY for $20,000 and up, 1.71% APY for $5,000 to $20,000, and 1.56% APY for under $5,000
  • 30 months - 2.07% APY for $20,000 and up, 1.92% APY for $5,000 to $20,000, and 1.77% APY for under $5,000
  • 36 months - 2.48% APY for $20,000 and up, 2.33% APY for $5,000 to $20,000, and 2.17% APY for under $5,000
  • 48 months - 2.69% APY for $20,000 and up, 2.53% APY for $5,000 to $20,000, and 2.38% APY for under $5,000

CD rates are current as of Aug. 30, 2010. CDs require a minimum of $1,000 to open. Early withdrawals are subject to penalties. The bank is based in Baldwin City, Kan.

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Farmers State Bank

Category: Bank Deals, Checking Accounts, Local Bank Deals- fhuff- 3:15 pm/ August 27, 2010

Farmers State Bank has an e-checking account that earns 3.51% annual percentage yield (APY) on balances up to $25,000. You can open the free checking account at one of the three Minnesota locations. Details of the offer include:

  • Balances over $25,000 earn 1.01% APY
  • $25 minimum opening deposit
  • Up to $25 in ATM fees refunded each month
  • No monthly fees
  • Personal checking account customers only

To earn the 3.51% APY bank rate, you must make 10 Shazam Check Card purchases each month and one automatic payment/transfer or direct deposit. You also must access Internet banking at least once a month and receive e-statements. The bank rate (current as of Aug. 1, 2009) is the normal rate for the checking account, but can change depending upon market conditions. If you don’t meet the requirements, the interest rate on the checking account is 0.1% APY.

Farmers State Bank has other checking accounts available. The Simple Checking is a free account that requires $25 to open and does not earn interest. Growth Checking requires $1,000 to open and has competitive interest rates. Classic Checking requires $500 to open and has no monthly minimum balance requirement.

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ING Direct

Category: Bank Deals, Checking Accounts- fhuff- 3:28 pm/ August 26, 2010

Open an Electric Orange checking account at ING Direct and you could earn a $50 bonus. You need to use reference code EM522 when you open your account online.

To earn the bonus you must activate an Electric Orange Debit MasterCard and make three signature-based purchases with it within 45 days. The $50 bonus gets credited to your account on day 50. Other details of the checking account include:

  • No minimum balance requirement
  • No monthly fees
  • Pay bills online free
  • Free transactions at 35,000 ATMs
  • 1.25% annual percentage yield (APY) on balances over $100,000
  • 1.2% APY on balances between $50,000 and $99,999.99
  • 0.25% APY on balances under $50,000

Bank rates are current as of August 26, 2010. If you are tired of getting socked with high overdraft fees you might like this account. The average that most banks charge for overdrafts on checking accounts is $30. The Electric Orange bank rate for overdrafts is 2 cents a day on an overdraft balance of $100. So if you overdraw your checking account by $500, you pay an overdraft fee of 99 cents.

ING Direct online bank accounts are insured by the Federal Deposit Insurance Corp.(FDIC)

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Princeville State Bank

Category: Bank Deals, Local Bank Deals, Savings Account Rates- fhuff- 1:32 pm/ August 23, 2010

Princeville State Bank has a high-interest checking account that offers 3.51% annual percentage yield (APY) on balances up to $25,000. Balances over $25,000 earn 0.5% APY. The Kasasa Cash checking account has no minimum opening balance requirement and no monthly fee. Other details of the account include:

  • Unlimited check writing
  • ATM fees up to $20 refunded each month
  • No minimum balance requirement
  • Free Visa debit card
  • Free online banking with bill pay
  • Direct deposit is available
  • Insured by Federal Deposit Insurance Corp. (FDIC)

To qualify for the best bank rates and ATM refunds, you must make 10 debit card transactions per statement cycle. You also must set up one recurring automatic deposit and receive electronic statements. If you don’t qualify for the best bank rates during any statement cycle, you earn the base rate of 0.05% APY on your balance

Princeville State Bank, based in Princeville, Ill. also has a Kasasa Saver, a savings account that is linked to the Kasasa Cash checking account. Kasasa Saver earns 1.75% APY on balances up to $100,000 and 0.5% on balances over $100,000. If you don’t meet the qualifications for the account, the savings rate is 0.05% APY. The savings account has no minimum balance requirement or monthly fee.

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Category: Bank Deals, Checking Accounts, Local Bank Deals, Misc. Deals- fhuff- 3:30 pm/ August 19, 2010

Open a KeyBank checking account and you may qualify for a free Sony bloggie, a pocket-sized camera that captures high definition MP4 video and 5 mega pixel images that you can upload directly to the Web to share on sites such as YouTube. The deal is only for people who open new checking accounts by Oct. 8, 2010.

Only individuals who live in Cleveland, Eastern Ohio, Idaho, Western New York, Oregon, Seattle Cascades, South Puget Sound, Central New York, Rochester, Maine, Northwest Ohio, Michigan, Capital Region New York, and Hudson Valley New York can qualify for the promotion. Customers can open accounts at local banks, by phone, or at www.key.com. Checking accounts opened at KeyDirect.com are not eligible for the offer.

The following personal checking accounts are eligible for the promotion:

  • Key Express Free Checking
  • Key Coverage Checking
  • Key Advantage Checking
  • Key Privilege Checking
  • Key Privilege Select Checking

Business checking accounts eligible for the promotion are:

  • Key Business Free Checking
  • Key Business Reward Checking
  • Key Business Checking
  • Key Business Money Market Checking
  • Key Business Sweep Checking

To qualify for the Sony bloggie, checking customers must make one transaction with a KeyBank Debit MasterCard and a combination of two direct deposits and/or automated payments of $100 each by December 12, 2010.

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