A Savings Account with a 5 Percent APY
If I told you I know of a savings account paying 5 percent interest you would probably call me a liar. Well guess what? It is true! In today’s market when you are lucky to find 2 percent there is a bank out there paying a 5 percent yield on a savings account. Looking for interest checking? At this same FDIC insured bank you can get 3.25 percent interest. Our free financial advice resources have truly found you a diamond in the rough.
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Before I reveal this little gem of a bank I want to make sure to explain the “catch” so you are not blindly chasing a rate. Many times banks offering these great rates have certain requirements that must be met.
1. 15 or more non PIN-based debit card transactions.
2. 5 or more ACH debits (automatic debits) OR 5 or more Bill Pay transactions OR 1 Auto Loan Payment with the bank.
3. 1 or more direct deposits such as a payroll, social security, or disability income deposit.
These three stipulations are on the interest bearing rewards checking account. If the following minimum transactions are not posted to your rewards account during a monthly statement cycle, the interest rate paid on the entire balance in your account will be 0.10 percent with an annual percentage yield (APY) of 0.10 percent.
Now, I may not have fully disclosed the 5 percent account in a means of peaking your interest. This is for a child savings account. This can be an excellent way to being savings for college. Here are the stipulations to all accounts:
Rates are subject to change.
*APY = Annual Percentage Yield
Annual Percentage Yield assumes interest is compounded and the rates remain the same for one year. Interest is compounded and credited to your account quarterly for classic savings accounts and monthly for all other accounts. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Fees could reduce earnings. You may wish to ask for a brochure that has further details about these accounts.
**CHILDREN SAVINGS ACCOUNTS DISCLOSURES:
For daily balances over $1,500.00, the interest rate is 5.00% on $1,500.00 and 0.45% on the balance over $1,500.00.
***REWARDS CHECKING DISCLOSURES:
For daily balances over $25,000.00, the interest rate is 3.30% on $25,000.00 and 0.60% on the balance over $25,000.00.
Depending on how much money you are investing, this bank’s CD rates are better than average too. For instance, a 5 year CD is 2.95 percent. So, without making you wait any longer, the bank to receive these phenominal rates is a small bank based out of Iowa.
www.statesavingsonline.com – State Savings Bank
If you have read our article on where to get the best CD rates then you know these numbers are substantially better than the national average. Now I also recommend you read how to avoid bank fees and check the terms on accounts at State Savings Bank to make sure your higher yields are not being diminished by fees.
And for those of you worried about the financial stability of your bank, State Savings Bank has a 4* rating from Safe & Sound Bank Rankings. Rest assured your money will be safe and insured with the backing of the FDIC.
April 24th, 2011 in