SAVINGS ACCOUNT RATES » Savings News

Bank of American Fork is offering a reasonable 1.60% APY on its highest tier with the SaveSmart Direct online-only savings account. Here is a breakdown of the tiers:

• 1.60% APY - $250,000 +
• 1.50% APY - $1,000 - $249,999.99
• 0.50% APY - $10 - $999.99

A minimum of $10 is required to open the SaveSmart Direct account. There is no monthly maintenance fee. Only 3 withdrawals are allowed per month (account will be charged a fee for the exceeding limit). The account allows six pre-authorized withdrawals per month.

The SaveSmart Direct account is only available to Utah residents ages 18 and over. If you qualify, apply online today.

>>Special Savings Account Rate Deals

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

If you're paying for college expenses on your own but are having problems budgeting your money well, you're not alone. Lots of students on their own for the first time struggle with how to budget their money without the help of their parents. But there are things you can do to make budgeting easier:

• Try riding a bike. If you live on or near a college campus, you might consider riding a bike to class instead of driving. The amount of money you save in gas in a week - as well as campus parking fees - could easily be used as money toward books, food and other expenses.
• Find inexpensive ways to entertain. Another way to cut corners on expenses is to think of ways to entertain yourself and your friends without spending too much money. For instance, instead of hanging out at the local movie theater, try going to the free campus movie nights. And instead of eating out every chance you get to avoid dorm food, consider eating out when local restaurants and fast-food chains offer college discounts.
• Use the campus recreation center. Most campus recreation centers are included in your tuition costs, so instead of joining the lavish state-of-the-art gym in your city, try pumping iron on campus.
• Try using coupons. There are so many websites available nowadays that offer coupons that there's no excuse for not taking advantage of them. You can find discounts on food, clothing, entertainment and so much more by simply searching online. So try your hand at shopping the old-fashioned way with a few coupons and see your money supply grow.
• Actually Create a Budget. If you work a job or have a steady stream of fixed cash coming from a loved one, it's a good idea to create a budget so that you will know your monthly expenses in relation to the money you receive.

Possibly the most important aspect of living on a budget is having discipline - such as being able to set a certain amount of money for entertainment and sticking to the budget.

When it comes to managing your household finances it is important to make sure that you do not waste your hard earned cash on things that can be avoided. ATMs are well known for charging you fees that you can avoid. If you opt to withdraw money from an out of network ATM, you may get charged by...

From avid luxury shoppers to struggling families, everyone is trying to find ways to save more of their hard earned cash. Nearly everyone is familiar with the different savings strategies: bringing their own lunch to work, cutting out that morning cup of coffee from the overpriced coffee shop,...

Many people equate the term "budgeting" to some type of punishment, but it should really be viewed as a way of gaining financial independence.

When people learn the tricks of staying within a budget, they can get the sense of security that being debt free will provide them. Plus, by staying...

In July 2009, SFGI Direct was offering a competitive 2.25% APY on its savings account then suspended accepting new applications in August. The bank is nowre-offering it's special rate; however, there are new conditions associated with opening an account.

Previously, an account could be opened...

With recent reports that consumer confidence was down in September 2009, many retailers are trying to get back on the consumers' good side with early holiday specials . By offering some deals that offer cash back for spending in the coming months, consumers may come away with more than gifts for...

If you're looking for a reasonable high-yield savings account, you might try the variable savings account from Centennial Bank in California. Tiers for the account are as follows:

• 2.02% APY - $100,000 and over
• 1.77% APY - $50,000 - $99,999.99
• 1.51% APY - $25,000 - 49,999.99
• 1.26% APY - $10,000...

Beverly National Bank Online , a division of Beverly National Bank in Massachusetts, is offering a competitive 1.75% APY on its e-Savings Account .

A few details of this account include:

• 6 withdrawals per calendar month
• Unlimited deposits
• 24/7 online access to your account
• FDIC insured
• Safe and...

First Southern National Bank in Georgia is offering 5.01% APY on its First Rewards Checking Account . Here are the details of this account and special rate:

• 5.01% APY on balances up to $25,000
• 1.10% APY on balances over $25,000
• 0.10% APY base rate if qualifications aren't met

In order to...