How To Get Discover’s 5% Rebate In 2010
Discover Card has promoted its 5% Cashback Bonus on “rotating items” for quite some time.
But never knowing what might be eligible for that hefty rebate a few months down the road aggravated more than a few Discover More cardholders.
Now Discover is publishing a calendar of future offers on the Web page where you must sign-up in advance to qualify for each bonus.
Here’s where and when you can earn the 5% rebate on purchases at grocery stores, hotels, movie theaters and lots of other places during the first nine months of 2010.
CLICK HERE TO READ THE ENTIRE POST.
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Competition Spurs CD Rates In Northwest
Banks in the Pacific Northwest appear to be doing something we haven’t seen in almost a year — competing for our money.
Calling this a rate war would be a stretch.
But a couple of regional banks are offering some of the best CD rates you’ll find anywhere in the country.
Frontier Bank, which has more than 40 branches in Washington and Oregon, is paying 2.60% APY on 24-month certificates of deposit with a $500 minimum deposit.
Invest at least $50,000 and you can earn 2.70% APY.
That topped our August rankings of the best, nationally-available 24-month CD rates.
Banner Bank is paying 2.50% APY on a 21-month CD, with a minimum deposit of $2,500.
You must apply online to get the Internet special, but it’s only open to residents of Washington, Oregon and Idaho, where Banner operates more than 100 branches and loan offices.
Community banks have leapt in, some with even better rates.
The Bank of Oswego, with two branches in Lake Oswego, Ore. is offering 2.75% APY on a 24-month CD with a $1,000 minimum deposit.
Although it says the rate is available nationwide, you can’t apply on-line. To open an account you have to speak with a customer service representative at 503-635-1699.
We wouldn’t be surprised if interest in this CD swamped Bank of Oswego’s phone lines and quickly forced it to limit this rate to local customers.
But with CD rates at or near record lows, savers need more of this.
Click here to compare these deals with the best CD rates from dozens of other banks in our extensive database.
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The Greatest Deals In Bankahistory
Happy Birthday to us!
Bankaholic is three this summer and we thought it would be a good time to look back and pick our 10 favorite, dare we say greatest, deals.
We combed through almost 600 posts to find everything from sky-high CD rates to the best gift for opening a new account — and it ain’t no stinkin’ toaster.
Savings accounts that paid 6%. Mortgages that cost only 4.3%. Credit cards that charged no interest for a year, or gave you a free airplane ticket just for signing up.
They all made the list. MORE
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Citi Takes Lead In 18-Month CD Rates
It’s been a long time since a big bank had a CD rate that made us sit up and take notice.
But Citibank is offering 2.25% APY on an 18-month certificate of deposit with a very modest $500 minimum deposit.
That’s the best nationally-available deal on an 18-month CD that we know of, beating the 2.13% APY from Discover Bank, OneWest Bank and MetLife Bank. (They have much higher minimum deposits, too.)
The Federal Reserve and Treasury Department have been pumping so much cheap money into the big banks that they haven’t needed our savings.
Ever since the banking crisis struck last the best rates have come from smaller banks that still needed to compete for deposits.
But desperate savers would flood those banks so much money they’d quickly lower their rates, sometimes in a matter of days, contributing to the extraordinary volatility we’ve seen in CD rates this year.
Could Citi be leading the big banks back into the market?
Use our database to compare Citi’s offer with the best CD rates from scores of other banks.
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1.85% Leads 3-Month CD Rates In August
TotalBank tops our survey of the best 3-month CD rates for the second straight month.
The Miami-based bank is offering less than the eye-catching 2.25% APY it was paying in July, with a $1,000 minimum deposit.
That deal was short-lived, dropping to 1.85% APY just days after it was posted.
But TotalBank has maintained that rate ever since and it’s still significantly higher than all other nationally available 3-month CD rates.
It’s also more than three times the average rate for 3-month certificates of deposit, which fell to a record low 0.49% APY last week.
The next-best banks in our August rankings have changed, but the rates they’re offering are very close to those in our July rankings:
1.55% APY with a $1,000 minimum from Beal Bank Nevada, which has a single office in Las Vegas.
1.55% APY with an $8,000 minimum from UFB Direct. CDs sold at UFBDirect actually come from Waterfield Bank, which has a couple of full-service offices in Carmel, Ind., and Germantown, Md.
These are all Internet specials and accounts must be opened online to qualify for these rates.
Click here to compare them with the best CD rates from dozens of other banks in our extensive database.
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