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Bank Deposit Rates Remain at Historically Low Levels
TheStreet and RateWatch Report Top CD Rate Issuers

NEW YORK, Jan. 22, 2013 /PRNewswire/ -- RateWatch, a premier banking data and analytics service owned by TheStreet, Inc. (NASDAQ: TST) reported today that the interest rate on a 6 month CD decreased 0.01 percent over the previous week based on data collected from over 90,000 financial institution locations.

(Logo: http://photos.prnewswire.com/prnh/20130102/NY35868LOGO-b )

Bank deposits rates remain at historically low levels, as the Federal Reserve has kept its target range for the short-term federal funds rate in a range of zero to 0.25% since late 2008.  The Federal Reserve Open Market Committee in December said that it expected this target range to remain  "appropriate at least as long as the unemployment rate remains above 6-1/2 percent," and as long as inflation projections remain within 0.5% of the central bank's long-term goal of 2%.

Fourth-quarter earnings reports from money center banks and large regional banks show that the multiyear inflow of non-interest bearing deposits has continued, providing plenty of excess liquidity and making significant rate competition unlikely until the overall economy heats up further.  Longer-term CD rates have continued to decline, with the national average five-year CD rate declining by five basis points over the past two months, while the average four-year CD rate has declined by four basis points, and the average three-year CD rate has declined by three basis points.

 

NATIONAL AVERAGE RESULTS - $10K


This
week

Last
week

Money Market

0.12

0.12

1 month CD

0.06

0.06

3 month CD

0.10

0.10

6 month CD

0.16

0.17

1 year CD

0.26

0.26

2 year CD

0.41

0.41

3 year CD

0.55

0.55

4 year CD

0.68

0.68

5 year CD

0.88

0.88

 

TOP RATE ISSUERS - $10K
This is a list of issuers with top interest rates.  The issuer's Financial Strength Rating is an independent, unbiased evaluation of quarterly regulatory statements. Institutions are assigned a letter grade of A-E with "A" representing the highest rating based on a review of many aspects of financial safety including capitalization, asset quality, profitability and liquidity. For more information, visit
www.weissratings.com/help/what-our-ratings-mean.aspx.  Information is believed to be accurate, but not guaranteed.

Money Market

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

Sallie Mae Bank

A-

1

1.050

801-281-1423

www.salliemaebank.com

Green Bank, National Association

C+

500

1.000

713-275-8370

www.greenbank.com

Ally Bank

B+

1

0.950

877-247-2559

www.ally.com

1 Month CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

First NBC Bank

B-

1000

0.510

504-671-3550

www.firstnbcbank.com

Pinnacle Bank

B-

500

0.500

402-529-3581

www.pinnbank.com

Carter Bank & Trust

C+

2500

0.500

828-325-9800

www.carterbankandtrust.com

3 Month CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

Eloan.com

C-

10000

0.650

888-533-5333

www.eloan.com

EverBank

D+

1500

0.600

888-882-3837

www.everbank.com

Beal Bank, SSB

C

1000

0.511

205-202-8511

www.bealbank.com

6 Month CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

Doral Bank

E+

1000

0.900

212-329-3700

www.doralbankdirect.com

Beal Bank USA

B-

1000

0.750

702-598-3500

www.bealbankusa.com

Discover Bank

C+

2500

0.750

888-765-6654

www.discoverbank.com

1 Year CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

Beal Bank USA

B-

1000

1.110

786-347-3601

www.bealbankusa.com

Sallie Mae Bank

A-

1

1.050

801-281-1423

www.salliemaebank.com

Doral Bank

E+

500

1.050

850-914-2525

www.doralbankflorida.com

2 Year CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

Doral Bank

E+

500

1.300

850-914-2525

www.doralbankflorida.com

FirstBank Florida

D+

1000

1.250

305-740-9522

www.firstbankfla.com

Compass Bank

D+

5000

1.250

205-297-1986

www.bbvacompass.com

3 Year CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

First NBC Bank

B-

10000

1.970

504-671-3550

www.firstnbcbank.com

First Guaranty Bank

C

500

1.450

985-345-7685

www.fgb.net

Doral Bank

E+

500

1.450

850-914-2525

www.doralbankflorida.com

4 Year CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

Institution for Savings In Newburyport

B

1

1.750

978-462-3106

www.institutionforsavings.com

First Guaranty Bank

C

500

1.700

985-345-7685

www.fgb.net

Green Bank, National Association

C+

1000

1.700

713-275-8370

www.greenbank.com

5 Year CD

Financial
Strength
Rating

Minimum
to Earn
Interest

APY

First NBC Bank

B-

10000

2.120

504-671-3550

www.firstnbcbank.com

Carter Bank & Trust

C+

100

2.020

828-325-9800

www.carterbankandtrust.com

Institution for Savings In Newburyport

B

1

2.000

978-462-3106

www.institutionforsavings.com

Financial Strength Rating: A=Excellent, B=Good, C=Fair, D=Weak, E=Very Weak 


  Plus sign "+" = top of range, Minus sign "-"= bottom of range

 

Data is surveyed weekly with averages calculated each Monday afternoon from RateWatch's unbiased national interest rate survey of over 90,000 financial institution locations across the United States.

About RateWatch   
For over 20 years, RateWatch has been the premier provider of competitive interest rate and product information to financial institutions across the United States.  Consistently providing top quality, highly relevant data RateWatch maintains the largest database in the industry with deposit, loan, and fee information monitoring over 90,000 locations. Rate surveys, product comparisons, financial strength reporting, local/regional/national averages, fee reporting, specialty reports and more are available.  To learn more about RateWatch, visit www.rate-watch.com.  RateWatch is a division of TheStreet, Inc.

About TheStreet
TheStreet, Inc. is a leading digital financial media company that distributes its content through online, social media, tablet and mobile channels. The Company's network of brands includes: TheStreet, RealMoney, RealMoney Pro, Stockpickr, Action Alerts PLUS, Options Profits, Chat on TheStreet, MainStreet and RateWatch. For more information on TheStreet's business, visit www.t.st. For financial and business news, actionable trading ideas, stock quotes and more, visit TheStreet.com, follow TheStreet on Facebook and Twitter, and access TheStreet through all major mobile and tablet platforms.  For more information on The Deal, visit www.thedeal.com.

Contact:  

Erin Corcoran 
TheStreet, Inc.      
212-321-5566       
erin.corcoran@thestreet.com      

RELATED LINKS
www.rate-watch.com

SOURCE TheStreet

About PR Newswire
Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

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