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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Discipline

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Consistently build a portfolio over time—you can choose any amount.

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Reduce your risk over time—use the free PortfolioBuilder tool to receive a suggested ETF portfolio that is customized for you.

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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Know More about Chase CD Rates

Inside checking the Chase.com online banking website, we have discovered many decent CD interest rates being provided at Chase Bank.

In searching for the best CD rates, the best Chase CD rates are its 36 month CD at 3.00%. However, 36 months is a pretty long term certificate of deposit. Additionally, if you have at least $10,000 to deposit, the Chase 84 month CD is paying 4.75% APY. This 4.75% CD rate is very good if you meet the minimum deposit amount and don’t mind tying up your savings for 84 months.

The Chase 84 month CD is a part of the Chase CD Special deals. The Chase 36 month CD is Chase’s standard certificate of deposit program. The standard Chase CD entails a minimum deposit of $1,000. The Chase CD Specials needs a lowest deposit of $10,000.

Chase Bank CDs come in a 6 month CD term, 12 month CD term, 18 month CD term and 36 month CD term. There is a CD term that can fit the needs of any investor. Again, the best Chase CD rates can be obtained by buying the higher term CDs.

Chase Sapphire Card

In case you are considering regarding doing business with Chase, check out the Chase Sapphire Card. Here you will get to learn more regarding the Chase Sapphire Card and additionally you can easily submit an application direct with Chase Bank online.

Here are some of the benefits of the Chase Sapphire Card:

- 10,000 Bonus Points soon after first purchase

- 2X on all airfare booked through Ultimate Rewards

- No earning caps, point expiration, or blackout dates

- Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall

-point for every dollar on all other purchases

- Dedicated service advisor (No voice recording)

- Premier travel protection benefits

- No Annual Fee

The Chase CD Specials currently have very much higher CD rates when compared to the standard Chase CDs. Several of the beneficial results of Chase CD Specials are:

1 If you have at least $10,000 to deposit you can get these higher CD interest rates: Chase Special 7 month CD – 3.00% APY;

2 Chase 12 month CD – 3.00% APY;

3 Chase Special 30 month CD – 3.50% APY;

4 Chase 48 month CD – 4.00% APY;

5 Chase Special 84 month CD – 4.75% APY

They are very good CD rates.

While the standard Chase CD rates are not out of this world, the Chase CD specials are some of the best CD rates. If you are seeking at making an investment in certificates of deposits at Chase Bank, check out the Special Chase CD rates.

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