Rates

Usually, banks offer attractive rates on savings accounts only up to a certain amount (usually $10,000). This is because banks try to attract customers by taking a small loss on the interest paid above the market rates. However, if you deposit too much money (say $100,000), the bank would lose too much.

Royal Banks of Missouri, by contrast, offers a very good rate for savings account only when you deposit more than $50,000. The APY of 1.30% such an account is comparable to many banks' 1-year CD rate of course, with a savings account you can take your money out at any time.

If your deposit falls below $50,000, you still get interest, but your rate drops to 0.25%.

Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.

The highest rates offered by Keesler Federal Credit Union are in Share Certificate accounts (which are the same as CD accounts at other banks). Minimum balance requirements are very modest, at $1000. The terms range from 3 months to 5 years, and are very competitive.

As at almost any other bank, the highest rates are offered on longer terms. In fact, the rate grows quite fast, starting from 1.5% at a 3-month term, moving to 2% at a 1-year term, and 2.5% at a 2-year term. Then the growth slows down, with the 3-year term yielding 2.85%, and 5-year term 3.5%.

If there's a good chance you wont need the money for a few years, you should go for the longest term. After all, the penalties only cost you the last 6 months of interest payments. Even after accounting for possible penalties, the 5-year 3.5% rate is going to beat the 3-month rate of 1.5%.

Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.

As you probably know, you will be charged penalties if you withdraw from a CD account before its maturity. The penalties are usually low, but its still preferable to avoid this situation. Therefore, think carefully about when you are likely to need the cash.

If you can afford to freeze your...

It is hard to find high interest rates on bank accounts these days. Therefore, 1.41% interest on money market account is quite good. It is offered by the Randolph Brooks Federal Credit Union, which serves residents of South Central Texas.

There is no monthly fee, and no limitation on the number...

Randolph Brooks Federal Credit Union offers several different Certificates if you're interested in storing your money for a few years.

There is a simple 1-year CD, which carries 1.71% APY. The terms are simple:

• $1,000 minimum deposit
• Penalty for early withdrawal equal to 2 months interest
• ...

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