Best Bank Rates and Deals

If you’re looking for a great money market deal and live in the Washington State area, you could take advantage of the 1.01% increase over current rates from First Independent Bank. The following rates will be available until Dec. 31, 2009:

• 1.92% APY – $100,000 to $499,999
• 1.72% APY – $25,000 to $99.999
• 1.27% APY – up to $24,999

In order to avoid a $7.50 monthly service fee, your account must maintain a minimum of $1,000. After the 180-day bump-up period, the MMA rate will drop to its standard published rates. To learn more, visit the bank’s promotional page.

If you open a money market account with the bank, you could also take advantage of a $10 deposit if you transfer at least $25 into your account from a checking account or sign up for overdraft protection.

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Bank of Internet is offering an impressive 1.70% APY for all balances with the Money Market Savings Account. Here are the rate tiers for this account:

• No minimum balance required
• Unlimited access to your account 24/7
• FDIC insured

The account requires a $100 minimum to open and is available nationwide. Apply online.

>> Money Market Special Rates

The money market rate at Zions Bank has recently lowered to 1.35% APY. The rate was previously listed at 1.40%.

Here are a few details of the account:

• $1,000 initial opening deposit
• $2,500 required to earn interest
• Account earnings compounded daily and credited monthly

You are limited to 6 pre-authorized, internet, auto or phone transfers per month. Branches are located in Texas, Washington, California, Utah, Nevada, Arizona, Colorado and Mexico.

>> Money Market Promotions

Take advantage of competitive money market rates from Neighbors Federal Credit Union. The rate tiers for the Money Market Account are as follows:

• 1.51% APY – balances over $50,000
• 1.25% APY – $25,000 – $49,999.99
• 1.00% APY – $10,000 – $24,999.99
• 0.75% APY – $2,500 – $9,999.99
• 0.00% APY – $0 – $2,499.99

The account requires $2,500 minimum balance and $250 minimum withdrawal amount. There are no annual fees. Also, the account receives:

• Free checks
• Free travelers checks, money orders and cashier checks
• 6 withdrawals allowed per month (maximum of 3 withdrawals by check)
• Charges: $10 for dropping below minimum balance, $10 for excessive withdrawal

To join, you must live, work, worship, or attend school in one of the 9 Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, or Saint Helena.

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