SAVINGS ACCOUNT RATES » Savings News

We've seen checking accounts that reward for online banking; however, North Middlesex Savings Bank is offering a savings account with a high-yield 2.75% APY that rewards for traditional banking. In order to take advantage of this very high savings rate, you have to open a Simply Save Account and make one $50 deposit in person per interest cycle.

There is no minimum opening deposit and you earn the high APY simply by maintaining between $10 and $10,000 in your bank account. If the monthly deposit requirement is not met each interest cycle (it starts the day after the third Wednesday of each month and ends the day before the third Wednesday of the next month), or your balance rises above $10,000, your rate will drop to 0.25% APY.

To open an account, visit one of the branches located in the cities of Ayer, Groton, Littleton, Pepperell, Devens, Lunenburg, and Shirley.

>> Spectacular Savings Specials

Other Terms and Conditions may apply to this offer - please contact the financial institution to review.

As a child or college student, you really don't have many expenses to think about; however, as an adult, they pile on and seem to grow exponentially once you get married. Of course, the cost of getting married alone is pretty darn high, but even after you've started your lives together, expenses can build up pretty easily.

Daily Expenses

When you live together, there are expenses that you expect and some you may not expect. For instance, if you buy a home, you expect to have a mortgage payment; if you've purchased one or more cars, you expect to have a car note as well as car insurance, gas and maintenance costs; and of course, you'll need to fill your house with furniture, food, cleaning supplies, appliances, electronics, and other one-time and daily expenses.

But then, there are those expenses that you don't so much expect. For instance, you may forget that as a couple, you may want to spend quality time together, which means you may go out to eat, hang out at the movies, or take a couple of vacations throughout the year. Also, each person may want clothes, shoes, haircuts, and other personal care items. And don't forget that if you own a home together, you'll need homeowners insurance, as well as money set aside for maintenance costs not covered in your policy. There's a lot more than you thought to consider, right?

Taxes

This is one that will eventually hit home for anyone who works or owns property. If you receive a paycheck from anyone, own a car, or a home, you're going to have to pay income taxes and/or property taxes. As a married couple, you may end up paying taxes for the first time that you've never had to pay. For instance, if you both work and file jointly then you may find yourself owing income taxes instead of receiving a refund because your partner makes much more than you. Also, if you and your spouse decide to purchase a new car and home, your personal property taxes could skyrocket.

Sudden Illness or Death

This is something you surely don't want to think about, but you have to consider what might happen if one spouse becomes suddenly ill or passes away. You both need ample health insurance coverage, as well as a quality life insurance policy and money set aside in a savings account. This way, if one becomes unable to help with the bills, the other will be able to manage without struggle.

Being married, with or without children, requires careful planning and a lot of communication. Since you know there are expenses you may have to think about, it's good to sit down and determine what they are and how you will handle them sooner than later.

Stock Yards Bank and Trust is targeting parts of Ohio and Indiana for its 2.15% APY on the eSavings Account . Here are a few details of the account:

• No minimum balance required
• No monthly services fees
• 3 withdrawals allowed each month
• No dollar amount limit on ACH transfers
• Free e-statements
• 1...

Everyone has been affected by the recession and chances are people, including your friends, are hurting worse that you think. You just have to take a closer look at the subtle hints. Find out what your friends are really saying with that IM:

Translation: I don't get paid until Thursday the...

Many people can say that they wished their babies came with manuals, and they're not alone. A baby's first year will present a new parent with challenges and expenses they've never encountered before. Some things such as dealing with night feedings and diaper changing will just have to be...

Married couplesoften suffer challenging periods in their relationship - even without children - as they learn how to compromise. One tough goal to compromise about is going back to school.

Many times, both partners don't agree when the time is right to pursue an education. However, before one...

Peoples Bank has followed suit with many other banks around the country to lower its e.Savings Account rate to 1.81% APY from its more reasonable 2.02% rate. The good news, however, is that it still accepts customers from around the country. Here are some details of the account:

• 1.81% APY on...

When you are expecting a new baby, getting the nursery ready can be one of the most satisfying and exciting things you can do in anticipation of your babys arrival. Planning and decorating the babys room is tangible evidence of the new life you are creating. What color do you want to paint it?...

Often times, when couples don't have children they focus a great deal of their energy on their careers. This is not a bad thing, however, because it not only allows them to save up money for a future that could include children, but also allows each partner to get settled into their careers so...

Sandy Springs Direct in Georgia is offering customers 1.50% APY on its My Free Savings Account as of October 16, 2009. Here are a few details of the account:

• No fees or service charges
• No minimum balance requirement
• FDIC insured

Minimum opening deposit is $25.

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