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Wells Fargo, is the second largest bank in the United States with 6,582 officies and $719 billion in deposits. Headquartered in San Francisco, California, Wells Fargo was founded in 1852, and now employs over 280,000 people. Wells Fargo Bank is just one of Wells Fargo’s operating businesses. There is community banking (Wells Fargo Banks), Whole Banking and Wealth Brokerage and Retirement. Wells Fargo Bank Services Checking Accounts: Wells Fargo has many services with their traditional checking…

Many of us assume that when we want to open a bank account, it’s a simple matter. After all, we aren’t borrowing anything; we should be able to open a deposit account with minimal fuss. While many financial institutions will let you open a deposit account with the identification information required by law, and by answering a few questions, others will add another step: Looking at your ChexSystems report. What is ChexSystems? ChexSystems is an…

Umpqua Bank is a bank in Oregon, Northern California and Washington. They currently operate consumer branches, commercial branches and residential mortgage offices. Umpqua Bank Services: Consumer banking includes checking accounts, savings accounts, CDs, mobile and online banking. Their loan offerings include mortgages, loans and credit cards. Umpqua also offers wealth management services. Small business banking offerings include business checking, savings, CDs, money market accounts, SBA Loans, Credit Cards, and more.

Buying a new car or truck is a major purchase. Unless you are in a position to pay cash upfront to the dealer, you will have to consider financing options. The terms and conditions associated with your loan will determine just how much you pay for your car. Just like other forms of credit, the interest rate for a car loan is calculated using your credit score. Buyers with higher credit scores will see more…

Applying for a mortgage requires that the lender runs a credit check to view your previous credit history. They will also obtain your FICO credit score to determine your eligibility for a mortgage loan. A mortgage loan is typically the biggest investment a borrower will make in their lifetime, so it is financially wise to come to the lender with the best credit profile possible when you are ready to apply for your loan (Read…

Melrose Credit Union located in the Bronx, New York – is a federally insured credit union. The rates at Melrose Credit Union are all based on APY (annual percentage yield) and are subject to change. Review: Melrose Credit Union, by its own claim, is one of the most successful banking institutions today. Services include an arry of deposit accounts: savings, CDs, IRA, E-Z Checking. They also offer loans and mortgages: Auto Loans, Personal Loans, Share Secured,…

CD rates in Oxnard have been basically the same for several months now, but there has been some change lately. People seeking the best CD rates today and choose from the list below of offers from credit unions in Oxnard, CA: CBC Federal Credit Union – Began serving federal employees in the Oxnard area in 1952. This credit union has grown to serving more than 20,000 members having assets totaling nearly $360 million. CBC employs…

Chase Freedom credit card is offering a pretty attractive credit card deal. They advertise that you can earn up to $1200 in bonus cash. Freed Credit Card Deal: Earn $100 Cash Back after you spend $500 in 3 Months. You can also earn 10% cash back when you shop online at select merchants using Chase. Earn an unlimited 1% Cash Back on all Purchases, Earn 5% Cash Back on select purchases (read “ad Copy” below…

Investors seeking information concerning CD rates should first understand that factors like certificate term and financial institution location will impact interest earned. Additionally, investors who qualify for membership in a local credit union may find benefits – and rates – are far more satisfactory than commercial bank offerings.  Moreover, never settle for the first rates you discover. Research rates available at, in the very least, three credit unions in the San Bernardino, Calif. area Checking…

Credit unions differ from commercial banking institutions because access to financial products is limited to selected membership. Credit unions are set up as non-profit organizations to benefit its member customers who typically belong to a shared group such as federal employees or, perhaps, a teachers’ union. In essence, members are not actually customers since a credit union works to benefit membership with earned dividends as well as the best possible loan rates available. Additionally, credit…

Sabadell United Bank headquartered in Miami, Florida. With the recent merger of Mellon United National Bank and TransAtlantic Bank, Sabadell is the 11th largest bank in Florida. Though there are not banking rates listed, there are a lot of banking products available. With locations in Miami, Boca Raton, Fort Lauderdale – Sabadell should offer competitive CDs and Savings rates. Sabadell United Bank, NA banking products and services: Loans/lines of credit to individuals, professionals, and entrepreneurs…

Cecilian Bank in Kentucky, is an FDIC insured bank with multiple locations in Elizabethtown, KY. Cecilian Bank offers loans, money market accounts, health savings accounts, IRA savings, CDs, and more. Banking Rates at Cecilian Bank: Cecilian Bank offers a 3 Month CD which yields 0.90% APY on $1,000 invested – quite impressive for a local bank. Their 6 month CD yields 1.00%, 1 Year CD yields 1.20%, 18 Month CD yields 1.40%, 2 year CD…

Municipal Credit Union in New York, is a credit union backed by the NCUA and insured against deposits of $250,000. Municipal Credit Union offers a lot of banking products, enough to satisfy the eight million residents of New York, including: credit cards, deposit accounts, lending, etc. Municipal Credit Union CD Rates: 3-Month Share Certificate with min of $500 – 0.25% APY 6-Month Share Certificate with min of $500 – 0.35% APY 9-Month Share Certificate with…

Denton Area Teachers Credit Union is a credit union in Denton, Texas. Their banking products line up with traditional banks: loans, savings, CDs, mortgages, IRA CDs, money market rates, credit cards, checking accounts, etc. Denton Area Teachers Credit Union – Banking Rates: Investing in DATCU requires a minimum of $1,000. Term Interest Rate APY* *A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a…

Cullman Savings Bank in Cullman, Alabama is a member FDIC bank that offers savings accounts, checking accounts, mortgages, loans, and more. They offer a lot of features including online banking, and more. Cullman Savings Bank – Banking Rates: The following products require a $1,000 minimum, all rates are in APYs and their could be fees associated to the accounts below. CD Rates: 3-month CD .50% 6-month CD .75% 1-year CD 1.00% 20-month Option CD 1.25%…

Atlanta Postal Credit Union has some impressive banking rates in Atlanta, GA. This insured credit union offers some of the best savings rates I’ve seen compared to online savings. Atlanta Postal Credit Union is a member of the NCUA. Savings Rates: With a minimum of $50 to earn, you will yield 2.10% APY in the first quarter of 2010. Minimum Balance to Avoid Fees: None. An excessive withdrawal fee of $2 is charged for each…

Redstone Federal Credit Union currently has minimums to earn their rates. You must be a member to earn their rates. Rates are set by their board of directories and can change without warning. In addition to CDs, and Savings, they offer money market accounts, home loans, auto loans, checking, business accounts, investment and insurance services. Currently they offer a traditional IRA and Roth IRA Certificate: 18 Month CD that yields 0.90% with $5 minimum 24…

Welcome to first ever Carnival of Banking and Money Management a weekly collection of the best in banking and management. If you are interested in hosting please don’t hesitate. Lauren Dzuris presents Top Money Mistakes Made by Young Parents | FindMyCarSeat.com an article on the common money mistakes new parents make. Alexander Green presents What You Should Know About Capital Gains Tax And Your Property an article about Capital Gains Tax And how to save…

Should you loan money to friends? We asked our users if they ever loaned money to friends, and we got back a slew of horror stories. Overwhelmingly, the responses have been of people not getting their money back. This might be a selection bias, but it was interesting to see how almost all the responders said if you’re going to loan money to someone just assume it’s a gift. Here is one particular story: I…

We surveyed the best cd rates in San Bernardino from credit unions and banks. The top rate we saw was a 1-year CD that yields 0.75% APY with a minimum of $2,000. [ad#Content 300×250] Arrowhead Credit Union: They currently have a 1 year CD yielding 0.40% APY with $1,000 minimum. Invest for 2 years and earn 0.55% APY with $1,000 minimum, and a 3 year CD yields 0.91% APY. San Bernardino School Employees Federal Credit…