CD Rates from First National Bank of Long Island

These are the First National Bank of Long Island CD Rates are brought to you by the people from CD Rates. This is a financial institution that has been in the Big Apple since 1927 serving their community.

The Bank is subject to regulation and supervision of the Federal Reserve Board, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation which also insures its deposits. The Comptroller of the Currency is the primary banking agency responsible for regulating the subsidiary Bank. In addition, the Corporation is subject to the regulations and supervision of the Federal Reserve Board and the Securities and Exchange Commission.

The FNBLI had a promotional offer of 3.00% APR on a 5 year CD that was posted in February 22, 2011, but it is difficult to find and is not mentioned on their regular CD rates page. This offer could have expired and they have just forgotten to take this off of their website.

The simple interest long term CDs include the 2 year CD that is earning an APY of 0.75%. The 3 year CD is earning an APY of 1.25%. The 4 year CD is earning an APY of 1.75%. The 5 year CD is earning an APY of 2.50%.

The short term CDs include the 3 month CD that is earning an APY of 0.35%. The 6 month CD is earning an APY of 0.60%. The 1 year CD is earning an APY of 0.65%.

The IRA CDs include the 3 month CD that is earning an APY of 0.35%. The 6 month CD is earning an APY of 0.55%. The 1 year CD is earning an APY of 0.70%. The 2 year CD is earning an APY of 0.75%. The 3 year CD is earning an APY of 1.25%.

The 4 year CD is earning an APY of 1.75%. The 5 year CD is earning an APY of 2.50%. The 6 year CD is earning an APY of 2.55%.

All of these First National Bank of Long Island CD Rates require a minimum deposit of $1,000.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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ING Direct Bank Signup Bonus

The ING Direct Bank Signup Bonus is now being offered for those of you that wish to purchase stocks. Right now there is a $50 account bonus for those of you that sign up with a sharebuilder account. The cost pre stock purchase is only $4.

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Using these three simple concepts as guiding principles, ShareBuilder works towards helping you make smart investing decisions.

You will have a choice of over 7000 stocks, mutual funds and ETF in which to invest your money. The $50 bonus will be credited to your account 7 days after your first purchase on an investment. With such a wide array of choices no doubt this tends to be the most sought after investment as of today.

For a more conservative investment, ING is offering their CD Rates. The 6, 9 12 and 18 month CDs are earning an APY of 0.75%. The 2 year CD is earning an APY of 1.00%. The 30, 36, 48 and 60 month CDs are earning an APY of 1.25%.

These are fixed rate CDs that has an upper limit on deposits of $250,000 that is FDIC insured. The interest can be paid monthly, annually or at the maturity time. To attain the stated APY, the principal and the interest must remain in the CD for the life of the term.

To open an account you can visit a branch office or just visit their website online. Everything you need to do can be done electronically. The time require to open an account online is averaging less than 5 minutes.

There are no fee associated with a CD account except when an early withdraw is performed. Then a large portion of the interest earned will be lost along with a fee.

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Best NYC Banks to Invest your money

This includes Citibank, Chase Manhattan, Bank of America and Federal Reserve Bank of NY which really dont have the Best CD Rates to offer for the people wanting to stash their money into CD Rates. Many of them have since moved their headquarters from the Big Apple. Unfortunately none of these giant financial institutions need much money on deposit and have very low CD Rates.

Many of the others like the Bank of New York Mellon refuse to post their CD rates. They require you to contact them if you desire this information. This is a general sign that their rates lack being competitive and wish to have you in their office to sell the CD on other aspects of the account other than attractive rates.

It is the local community banks that are currently offering decent CD rates for their customers. Intervest National Bank is one of the few that actually advertises their CD rates. They are currently offering a 6 month CD that is earning an APY of 0.60%. The 1 year CD is earning an APY of 1.15%. The 2 year CD is earning an APY of 1.50%. The 5 year CD is earning an APY of 2.33%. These rates require a minimum deposit of $2,500 and were posted on February 23, 2011.

As for the M&T Trust CD rates, they are offering a 6 month CD at an APY of 0.25%. The 1 year CD is at an APY of 0.50%. They also are offering a promotional 6 month CD that is earning an APY of 0.35%. The 1 year CD at 0.65% and a 5 year promotional rate of 2.00%. Each of these requires a minimum deposit of $1,000 and was posted on February 16, 2011.

The worst CD rates are from Chase. They have a 6 month CD that is earning an APY of 0.25%. The 1 year is also only offering an APY of 0.25%. These require a minimum deposit of $1,000.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Average CD Rates Drop

The last low point for Best CD Rates was in 2003 when the average 6 month CD was earning an APY of 1.683, the 1 year was earning an APY of 2.054% and the 2 year CD was at an APY of 2.507%.

At the end of January 2011 the CD Rates were falling and they still are. The last week of January the 6 month CD was at 0.427%. Since that time it has continued in its downward movement to its present location at 3.19%.

The 1 year CD is following suit being at 0.676% APY and now dropping to 0.671%. The 2 year CD was at 1.008% and has dropped to an APY of 1.02%.

All of these current rates are far below the rates that were posted in 2003 and that bottoming out of the CD roller coaster. This has all been caused by the FED artificially keeping the interest rate low. This was done a couple of years back to give the banks the incentive to make loans.

This policy by the FED has not worked as expected. Today the banks are increasing their fees they charge their customers and are racking in record profits. They have also tighten their grip on the loans they were suppose to give out to the American consumer for receiving the tax payer funded bailout.

All American know that big business influences the policies of the federal government. What most of us did not realize until now was just how much influence they actually had. America will see a rise in CD rates once the federal government begins to represent the people again and not the interest of the few that run the large financial institutions and other large corporations. This will bring an end to the average CD rates drop and start them to rise again to respectable levels.

For additional resources about CDs on this website, please view Best Oklahoma CD Rates. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best CDs for Senior Citizens

The best CDs for Senior Citizens would need to fit their needs at this stage in their lives. It is also dependent on how they planned for their retirement. Some retirees need to use their CDs as a source of income. For these individuals, the short term CDs would be best so the capital can be easily accessed when it is needed without the assessing of a penalty.

For those that can live off of the interest that is earned from the CDs, long or short term would suffice. This is when the CD rates play a bigger part of the picture. The better the rate of return, the more they will have to spend.

For those that have a substantial amount of savings, the CD ladder is a wise mechanism for their investment. This allows for the best possible returns on longer term CDs to be invested in while having CDs maturing at regular intervals so the capital can be easily accessed. These intervals can be biannually or annually, depending on the specific needs of the senior citizen.

For the CDs that are part of an IRA program, taxes play a large part of when a person would want to make a withdrawal of the capital that was invested. By reducing the tax liability, more of the senior’s money can be saved and go towards their expenses rather than the US government coffers.

The best CDs for Senior Citizens are wholly dependent on their needs and financial plans for the future. Determining how much a person needs and the time period in which they will need it will determine their best course of action.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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How to Buy the Right CD for You

How to buy the Best CD Rates for you is determined by your financial goals and needs, in combination with what stage of life you are currently in. For most Americans, the CD ladder is the best financial move they can make. This financial tool allows for constant return on your investment while still having regular access to the principal amounts that were invested.

The specific CD rates for each rung of the ladder are different. Generally, the longer the term, the greater the APY each deposit will earn. When this type of mechanism is started, the lower term CDs will not be earning a very high rate in all cases, but as the terms come due, this will change. If a person invests in a 1, 2, 3, 4 and 5 year CDs to begin with, then each year a CD will be maturing and access to the principal will be possible without any penalty.

With each maturing CD, the principal can then be reinvested in the longest term that has a better CD rate. Within 5 years with this example and all of the maturing CDs reinvested in another 5 year CD, the maximum return on investment can be obtained.

This mechanism is good for all ages of investors. For the people close to retirement, a majority, if not all, of their investment dollars should be done this way. For younger investors, only a portion of their retirement money should be in this conservative type investment, generally 20% to 30%. This approach will prevent a total loss of the investment due to changes in the economic conditions that might negatively affect other types of investments.

This is one way on how to buy the right CD for you. Best of all with this conservative investment, your principal is guaranteed by the FDIC.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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CD Rates Georgia

These CD Rates Georgia has to offer are from this state’s banking sector that has their headquarters in the peach state.

At Cherokee Bank, the interest on their CD Rates is compounded daily for the maximum amount they can earn. Their 3 month CD is earning an APY of 0.87%. The 6 month CD is earning an APY of 1.01%. The 1 year CD is earning an APY of 1.19%. The 15 month CD is earning an APY of 1.025%. The 18 month CD is earning an APY of 1.31%. The 2 year CD is earning an APY of 1.47%. The 3 year CD is earning an APY of 1.76%. The 4 year CD is earning an APY of 1.98% and the 5 year CD is earning an APY of 2.23%. Each of these CD’s requires a minimum deposit of $1,000 and was posted on December 13, 2010.

As typical with this type of investment the credit unions have the better rates. The Georgia financial institutions are no different. The Albany Federal Employees Credit Union follows this trend. The 6 month CD is earning an APY of 1.25%. The 1 year CD is earning an APY of 1.65%. The 15 month CD is earning an APY of 1.75%. The 18 month CD is earning an APY of 1.80% and the 2 year CD is earning an APY of 2.05%. These rates were posted on December 1 and were still current as of December 19, 2010. There is not a minimum amount advertised on their website.

The Nashville Credit Union also has good rates. Their 8 month CD is earning an APY of 1.41%. The 1 year CD is earning an APY of 1.66%. The 15 month CD is earning an APY of 1.66%. The 2 year CD is earning an APY of 2.12% and the 3 year CD is earning an APY of 2.17%. These rates require a minimum deposit of $1,000 and were posted on December 1 and were still current as of December 19, 2010.

These are the best CD rates Georgia has to offer at this time.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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CD Rates Delaware

The current best CD Rates Delaware has to offer are surprisingly better from most other banks from across the nation.

The Community Bank Delaware is leading the way with better than average CD rates for their customers. Their 90 day CD is earning an APY of 0.50%. The 6 month CD is earning an APY of 0.75%. The 9 month CD is earning an APY of 0.80%. The 1 year CD is earning an APY of 1.01%. The 15 month CD is earning an APY of 1.11%. The 18 month CD is earning an APY of 1.26%.

The 2 year CD is earning an APY of 1.51%. The 30 month CD is earning an APY of 1.61%. The 3 year CD is earning an APY of 2.02%. The 4 year CD is earning an APY of 2.28% and the 5 year CD is earning an APY of 2.53%. Each of these CDs requires a minimum deposit of $500. These rates were posted on December 1, 2010 and were still current as of December 17, 2010.

Another bank from Delaware with above average CD Rates is the AIG Federal Savings Bank. They have a 6 month CD that is earning an APY of 0.80%. The 1 year CD is earning an APY of 1.15%. The 18 month CD is earning an APY of 1.15%. The 2 year CD is earning an APY of 1.35%. The 3 year CD is earning an APY of 1.70% and the 5 year CD is earning an APY of 2.20%. These CDs require a minimum deposit of $2,500 and the rates were posted on December 15, 2010.

These two are the best CD Rates Delaware has to offer for the middle of December 2010.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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CD Rates California

The CD Rates California are some of the best advertised rates for the month of December 2010. While all CD Rates are subject to change without notice, each of these stated rates were current as of December 6, 2010.

One of the better rates overall is from the San Diego based financial institution called Bank of Internet USA. They have a 3 to 5 month CD that is earning an APY of 0.35%. The 6 to 11 month CD is earning an APY of 1.11%. The 1 year to 23 month CD is earning an APY of 1.41%. The 2 year to 35 month CD is earning an APY of 1.60%. The 3 year to 47 month CD is earning an APY of 2.00%. The 4 year to 59 month CD is earning an APY of 2.20% and the best CD rates are form the 5 year CD that is earning an APY of 2.54%. To open a CD account with this bank a deposit of $1,000 is required.

The California First National Bank from Irvine has very good rates. They require a minima deposit of $5,000. The 3 month CD is earning an APY of 0.80%. The 6 month CD is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.06%. The 2 year CD is earning an APY of 1.40%. The 3 year CD is earning an APY of 1.80%.

The WestOne Bank out of Pasadena also has respectable rates that require a minimum deposit of $1,000. Their 3 month CD is earning an APY of 0.70%. The 6 month CD is earning an APY of 1.10%. The 9 month is earning an APY of 1.15%. The 1 year CD is earning an APY of 1.20%. The 18 month CD is earning an APY of 1.30%. The 2 year CD is earning an APY of 1.40%. The 3 year CD is earning a 1.50%. The 4 year CD is earning an APY of 1.80% and the 5 year CD is earning an APY of 2.25%.

These are the best CD Rates California at this time. Unfortunately there are no signs of the rates drastically improving in the near future.

For additional resources about CDs on this website, please view CD Rates Arizona.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Arizona CD Rates form various Financial Institutions

The current best CD Rates Arizona is from banks and not the local credit unions. One of the better CD Rates is from the home town bank in Mesa Arizona called Gateway Bank.

Their current CD rates are for the 90 day CD that is earning an APY of 0.50%. The 6 month CD is earning an APY of 0.75%. The 1 year CD is earning an APY of 1.00%. The 2 year CD is earning an APY of 1.30% and the 3 year CD is earning an APY of 1.70%. The 1 to 3 year CDs are allowed a onetime rate increase during the term of the CD. Each CD requires a minimum deposit of $1,000. The CD rates were posted on November 29, 2010.

The Summit Bank of Prescott, Arizona is another local bank offering CDs. Their 3 month CD is earning an APY of 0.40%. The 6 and 9 month CD is earning an APY of 0.50%. The 1 year CD is earning an APY of 1.00%. The 18 month CD is earning an APY of 1.15%. The best CD rate is on the 2 year CD that is earning an APY of 1.50%. Each of these CDs requires a minimum deposit of $500 and was posted on November 1, 2010.

The Gold Canyon Bank is located in Gold Canyon, Arizona. They have a set of tiered CD rates for deposits from $500, $10,000, $50,000 and $100,000. The 1 year CD earns an APY of 0.50%, 0.85%, 0.90% and 0.95% respectively. The 18 month CD is earning an APY of 1.01%, 1.16%, 1.21% and 1.26%. The 2 year CD is earning an APY of 1.26%, 1.41%, 1.46% and 1.51%. The 3 year CD is earning an APY of 1.66%, 1.82%, 1.87% and 1.92%. These rates were posted on December 2, 2010.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution

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