The Best Bank CD Rates of 2017 #best #ira #cd #rates


The Best Bank CD Rates of 2017

DoughRoller receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked “Sponsored”, however, products mentioned in editorial articles and reviews are based on the author’s subjective assessment of their value to readers, not compensation. Compensation may impact how and where products appear on non-editorial pages (e.g. comparison or “marketplace” pages). That said, our standard is that we will never accept advertising from a product which we wouldn’t use ourselves.

M y very first investment was in certificates of deposit. I was a teenager, and CDs paid more than 10%. While we can t get that kind of return today, a certificate of deposit is a safe place to hold cash. And if you pick a high yield CD, you will earn a decent return.

Featured CD Offer. Earn 1.35% APY from Ally Bank on a 12-month certificate of deposit. No minimum deposit required for this APY. Click here for details .

So here s a list of featured CD offers with competitive rates:

Featured Certificate of Deposit Offers

Ally Bank continues to win awards for outstanding customer service and is always at the top of the list for interest rates. Personally, I have a few different Ally deposit accounts and even though their rates change on a frequent basis, I appreciate the service and quality of website they offer. Formally GMAC, Ally continues to re-brand itself in a positive direction.

Discover Bank first opened its doors in 1911 in Greenwood, DE. Originally known as the Greenwood Trust Company, the bank joined Discover Financial Services in 2000. It currently offers CD accounts with terms ranging from 3 months to 120 months. Discover Bank also offers a 12-month IRA CD.

Synchrony Bank offers one of the highest rates on certificates of deposit. The bank offers CD terms of 3 to 60 months with a low minimum deposit of just $2,000.

GE Capital Bank is a newcomer to our list and offers one of the most competitive rates available. GE Capital offers CD terms from 6 months to 6 years. The minimum deposit is just $500.

EverBank has approximately 1,500 employees and more than $6.5 billion under management. Its certificates of deposit range in terms from 3 months to 60 months, with interest rates (APR) currently ranging from 0.30% to 1.81% for its Yield Pledge CD. Penalties for early withdrawal vary depending on the term of the CD. The range is a penalty equal to 90 days simple interest for its 13 week and 26 week CDs to 900 days of simple interest for its 5-year CD.

FNBO Direct or First National Bank of Omaha, is a subsidiary of First National of Nebraska. First opened in 1857 as a local bank, it is now the largest private bank in the United States, with more than 6.6 million customers and more than $20 billion in managed assets. FNBO Direct offers the standard CD terms as well as a competitive savings account, bill pay account and credit card.

Sallie Mae offers only three of the more basic CD terms and even though you might think student loan before you think savings , there guys are more than capable of handling both. Their online savings account continues to offer one of the best interest rates available today and the account takes less than 120 seconds to open.

HSBC Direct is part of HSBC Bank USA, N.A. which has about 450 branches in the U.S. and HSBC Group, which has more than 10,000 office worldwide. Its online CD account is offered in terms ranging from 6 months to 60 months, with a variety of interest rates. Early withdrawals from an account incur a penalty equal to 30 days simple interest.

The above rates are for a 1 year CD. Each bank, however, offers certificates of deposit with terms as short as 3 months all the way up to 5 years or more.

Take the 31-Day Money Challenge

Our 31-Day Money Challenge will help you get out of debt, save more, and take back control of your life.

Bonus: You’ll also get instant access to my interview of a husband and father who retired at the ripe old age of. 30. Seriously!

What others are saying: “Hi Rob. I’m at Day 26 in your 31 day money challenge podcast. Thank you, thank you, thank you! I’ve been looking for a comprehensive guide to all-things-money and this has been so informative.” –Danielle

Start the 31-day money challenge!

Copyright 2017 All rights reserved.

Advertiser Disclosure. This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. The credit card offers that appear on this site are from credit card companies from which receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). does not include all credit card companies or all available credit card offers.

Editorial Disclosure. This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. Opinions expressed here are author’s alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser. This site may be compensated through the bank, credit card issuer, or other advertiser Affiliate Program

Disclaimer. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on our site may differ from actual numbers.See our Privacy Policy Disclaimer for more details.

User Generated Content Disclaimer. The comments below each article are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Archives. You can explore the site through our archives dating back to 2007.

Least Expensive Cars to Insure #used #car #insurance #rates


You don’t have any subscriptions.

Look for the around the site to subscribe to the topics of your choice.

Autoblog Alerts

Want to get notified as soon as we write about the topics you’re interested in? Click here to sign in and then look for the around the site to subscribe to those topics.

Autoblog Alerts

Thanks for subscribing to Autoblog Alerts! As content is published, we’ll send it right to you. If you ever need to make changes, you can manage your alerts by clicking MANAGE below.

Fetching your alerts. Please wait.

Top Ten Least Expensive Cars to Insure

Cheapest Cars To Insure

We all know that not all cars cost the same to insure, and we likely even understand why. Cars that are fast, expensive or more likely to be stolen are naturally going to cost more money when it’s time to pay for car insurance.

Our data comes from, and it includes pricing information from Allstate. Farmers. GEICO. Nationwide. Progressive and State Farm in 10 ZIP codes per state. For the purposes of this list, assumes full coverage for a single 40-year-old male with a clean record, a 12-mile daily commute, policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Click through to find out which vehicles will save you money on car insurance.

Honda Odyssey

Average insurance rate for 12 months: $1,113

This makes sense. You’d expect that people who buy minivans are likely doing so to fill them with family members, and with such precious cargo on board, you’d also expect a minivan like the Honda Odyssey to be driven safely.

Research the Honda Odyssey

Honda CR-V

Average insurance rate for 12 months: $1,170

The Honda CR-V is a very sensible choice. It’s high projected reliability and resale value ought to appeal to those looking for a good investment, and those same senses and sensibilities make it relatively inexpensive to insure.

Research the Honda CR-V

Dodge Grand Caravan

Average insurance rate for 12 months: $1,174

Right, a minivan. The Dodge Grand Caravan kicked off the whole minivan craze way back in the early 1980s, and it’s been going strong ever since. The Grand Caravan is on the way out, being replaced by the Pacifica, but its low price continues to make it popular with families. And as a family-mobile, rates stay low.

Research the Dodge Grand Caravan

Jeep Patriot

Average insurance rate for 12 months: $1,180

SUVs and crossovers from the Jeep brand offer surprisingly low insurance costs. While the Patriot may not be your best option from America’s best-known off-road brand if you plan to actually use it as intended (off-road, that is), it’s still a capable vehicle with which to explore a little bit off the beaten path.

Research the Jeep Patriot

Jeep Wrangler

Average insurance rate for 12 months: $1,181

The Jeep Wrangler. specifically in Sport guise, is one of the cheapest vehicle to insure, at least when assuming the set of criteria as outlined at the outset. If you don’t want a somewhat stripped-down Sport model, we’re happy to report that other, more expensive and better-equipped versions, including the Sahara and Rubicon, are also considered cheap to insure. Have some fun!

Research the Jeep Wrangler

Jeep Compass

Average insurance rate for 12 months: $1,190

The Compass may be Jeep’s least off-road-oriented offering, and that might have something to do with its low insurance costs (and you may be at least partially right). It joins a surprising number of other Jeeps on this list.

Research the Jeep Compass

Ford Escape

Average insurance rate for 12 months: $1,194

The Ford Escape. specifically one in the base S-model guise, is the 10th cheapest vehicle to insure on our list. It’s a crossover that isn’t likely to actually leave the pavement, so we can understand why it’s average insurance rate is in the bargain bin.

Research the Ford Escape

Buick Encore

Average insurance rate for 12 months: $1,200

The diminutive Buick Encore is a big hit. It joins a whole heap of other small- and medium-sized crossovers on this list, reflecting a general trend towards crossovers in general. Its natural habitat is the suburbs, keeping rates low.

Research the Buick Encore

Jeep Cherokee

Average insurance rate for 12 months: $1,203

Despite some legitimate off-road chops, the Cherokee is still a front-drive based crossover, and the insurance rates reflect that. It’ll stay mostly on pavement, and mostly in the hands of families and non-risky owners. Hence the reasonable insurance premiums.

Research the Jeep Cherokee

Nissan Frontier

Average insurance rate for 12 months: $1,204

The Frontier is the only truck on the list, and the most expensive vehicle to insure of all. But the spread is meager; only $91 separates this from the Odyssey in the lead. The Frontier has been on the market for a very long time, and that may have something to do with its reasonable cost to insure.

Research the Nissan Frontier

Ottawa s Term Life Insurance Broker #guaranteed #issue #life, #life #insurance, #life #insurance #canada, #life #insurance #quotes, #life #insurance #ottawa, #critical #illness #insurance, #standard #life #insurance, #canada #life #insurance, #term #life #insurance, #whole #life #insurance, #life #insurance #ontario, #life #insurance #quote, #life #insurance #quotes #canada, #term #life #insurance #quotes, #term #life #insurance #canada, #universal #life #insurance, #term #insurance, #mortgage #life, #insurance, #best #life #insurance #canada, #life #insurance #calculator, #non #medical #life #insurance, #term #quote, #mortgage #protection #life #insurance, #rates #for #term #life #insurance, #life #insurance #no #physical, #affordable #life #insurance #quote, #online #life #insurance #broker, #toronto #life #insurance, #compare #life #insurance #quotes, #online, #life #insurance #quote #ontario, #life #insurance #rates #canada, #life #insurance #slogans #canada #life #life #insurance, #permanent #term #life #insurance, #insurance #for #life, #child #term #life #insurance, #term #life #insurance #quotes #canada, #buying #life #insurance #online, #health #and #life #insurance, #no #physical #life #insurance, #canada #life #insurance, #quote, #life #brokers, #life #insurance #rates #ontario, #affordable #life #insurance #for #seniors, #life #insurance #website, #purchase #life #insurance #online, #cheapest #life #insurance #quotes, #life #insurance #benefit, #life #insurance #free #quotes, #term #life #insurance #versus #whole #life #insurance, #find #life #insurance, #quotes #life #insurance, #life #insurance #over #70, #ontario #life #insurance #quotes, #online #life #insurance #quotes #no #medical #exam, #term #life #insurance #rating, #term #life #insurance #no #medical #questions, #quote #term #life #insurance, #online #term #insurance #quotes #about #term #life #insurance, #final #expense #whole #life #insurance, #life #insurance #over #50 #no #medical #exam, #life #term #insurance #quotes, #top #rated #term #life #insurance #companies, #life #term #life #insurance, #guaranteed #life #insurance #no #medical, #questions, #instant #online #life #insurance #quotes, #top #life #insurance #company, #online #life #insurance #application, #critical #illness #life #insurance, #affordable #life #insurance #quotes, #term #life #insurance #price, #online #term #life #insurance #quote #free #term #life #insurance #quote, #smoker #life #insurance, #insurance #online #quote #term, #cheap #life #insurance #for #seniors, #critical #life #insurance, #selling #life #insurance #online, #affordable #term #life #insurance #rate, #cheapest #life #insurance #policy, #what #is #a #term #life #insurance, #quotes #for #term #life #insurance, #rate #life #insurance #companies, #shop #for #life #insurance, #direct #life #insurance, #whole #life #insurance #rates #by #age, #whole #life #insurance #plan, #top #rated #life #insurance, #whole #life #insurance #company, #quick #life #insurance #quote, #10 #year #term #life #insurance #rates, #life #insurance #search, #what #is #life #insurance #for #cheapest #term #insurance, #guaranteed #whole #life #insurance, #life #insurance #company #rating, #term #life #insurance #prices, #life #insurance #agencies



Why we are different and better

We represent a wide range of companies that specialize in insuring people with different “risks”. If you’re a pilot, diabetic or scuba diver, for instance, we’ve got you covered. As a result, the companies we represent are often able to insure Ottawa residents who could not get term insurance other places.

No one else has our experience in finding your “best buy” from the insurance companies that we represent or in making the entire buying process customer friendly. That’s why we are by far the most experienced independent brokers for Mortgage Protection and Term Life Insurance in Ottawa, Ontario, Canada.


Licensed Life Insurance Broker and CFP since 2007.

Customer Service

Recommendations are always in your best interest period. Our priority is to make sure your family is properly protected and be in the best financial position possible.


We take the time to clearly explain the recommendations so you can make an informed decision.

Independent Broker

We find the products and services that meet or exceed your needs at the lowest cost. There is no conflict of interest or company bias with our recommendations.

Advice you can trust

In the event of your death, improper financial planning could result in your family being faced with economic hardship, debts struggles and an inadequate income. We offer strong, reliable and affordable ways to protect your family’s financial well-being after you’re gone.

We’re committed to helping Ottawa families prepare for the future. Our trustworthy life insurance specialists can help you achieve financial protection with reliable, secure, and affordable insurance planning and policy structuring that works for you. If you have further questions, don’t hesitate to contact us immediately – we’re here to help.

Ottawa No Medical Life Insurance Quotes – Free online instant Ottawa no medical life insurance quotes from Life, a life insurance broker licenced in Ontario, your online source for the best accurate, competitive and affordable life insurance rates in Ottawa, Ontario and surrounding areas

Our Standards


Your information submitted is kept confidential. It is never sold or shared with other life insurance agents or third parties.


Our business model is built on providing fast life insurance quotes and utilizing technology to get policies issued & delivered quickly.


By representing over 35 of the top life insurance companies we consistently save our clients over 50% on their insurance premiums.


Licensed Life Insurance Broker and CFP since 2007.

Top 10 Reverse Mortgage Lenders- Find the Best One for You! #current #reverse #mortgage #rates


Top 10 Reverse Mortgage Lenders

Since being introduced in 2001, reverse mortgages have been allowing senior citizen home owners to take advantage of the equity in their home and receive a cash payment or a line of credit. Most reverse mortgages, also known as Home Equity Conversion Loans (HECM), are insured by the U.S. Department of Housing and Urban Development (HUD). who supervises reverse mortgage terms and requirements. While HUD doesn t make the loan, it makes sure that the borrower is protected in the event that the lender is unable to make the reverse mortgage payment or if the home value has decreased so much that the loan balance cannot be paid.

If you re still asking yourself: What is a reverse mortgage? Click here!

Considering a Reverse Mortgage Lender- What to Look for

  • Types of reverse mortgages offered. There are three types of reverse mortgages. The federal-insured reverse mortgage, more commonly known as Home Equity Conversion Loan (HECM), doesn t have many requirements, but has a higher upfront cost. The single-purpose reverse mortgage, which is low-cost and geared towards people with lower incomes, can be used for specific purposes, like home improvements and repairs, or for paying property taxes. The third kind of reverse mortgage is the proprietary reverse mortgage, which is a loan offered by a private company.
  • Fees. Reverse mortgage costs, especially Home Equity Conversion Loans. can end up being very costly. Insurance premiums, origination fees, title insurance, and other fees can be as high as a few thousand dollars, so finding a reverse mortgage lender that will disclose and explain the overall cost of the loan before signing a contract is very important.
  • Interest rates. Reverse mortgage lenders usually only offer adjustable-rate loans, but some also offer fixed-rate loans. Interest rates for reverse mortgage loans are lower than the ones for conventional loans. If several lenders offer you the same interest rates, it s always best to go with the one that is the most informed and easy to work with.
  • Accreditations and ratings. While many legitimate and trustworthy lenders are not members of the National Reverse Mortgage Lenders Association (NRMLA). choosing a reverse mortgage lender that is a member will give you more peace of mind. Members of the NRMLA must conform to a strict code of lending ethics, meaning that there is a much bigger chance that they will be reliable. A good lender will also have a good rating on websites like the Better Business Bureau (BBB). where you can also learn of any complaints against the company.

Before applying for a reverse mortgage, seniors must be aware that, while this type of loan has its advantages, it also comes with some downsides. Once you understand the whole reverse financing process and decide that it is the best choice in your situation, you need to start searching for the reverse mortgage lender that will best satisfy your needs. Here are the top 10 reverse mortgage lenders that will offer you the best balance between a good deal and a hassle free experience:

Top 10 Reverse Mortgage Lenders

  1. Liberty Home Equity Solutions. Formerly known as Genworth Financial Home Equity Access (GFHEA), this company was founded in 2003, and has since helped improve the lives of over 27,000 seniors. Liberty Home Equity Solutions has more than 450 associates in the U.S. and is one of the largest reverse mortgage lenders in the country.
  2. Security One Lending. Licensed in 40 U.S. states, Security One Lending (S1L), launched its business back in 2006, and today it is recognized as one of California’s best reverse mortgage lenders. In 2011, actor Pat Boone became S1L’s celebrity spokesman.
  3. American Advisors Group. AAG (American Advisors Group) is one of the nation’s leading reverse mortgage lenders. Better Business Bureau (BBB) gave the company an A+ rating, and AAG is approved by U.S. Department of Housing and Urban Development. American Advisors Group has over 450 employees, and it is licensed in 43 U.S. states.
  4. One Reverse Mortgage. According to the 2012 U.S. Department of Housing and Urban Development (HUD) HECM Endorsement Summary Report, One Reverse Mortgage is America’s largest Home Equity Conversion Mortgage originator. A Quicken Loans company, One Reverse Mortgage was founded in 2001, and employs over 250 persons dedicated to providing quality services to senior clients.
  5. Generation Mortgage Company. This privately held company launched its business in 2002 in Atlanta, Georgia. Generation Mortgage Company is accredited by the Better Business Bureau, and is an approved Ginnie Mae issuer.
  6. Urban Financial Group. Founded in 2003 in Oklahoma, Urban Financial Group is licensed in the following states: Oklahoma, Colorado, Illinois, Indiana, Kansas, Michigan, Missouri and Wisconsin. The “Reverse it!” division of Urban Financial Group is the largest provider of wholesale reverse mortgage loans.
  7. Proficio Mortgage Ventures. Headquartered in Florida, Proficio Mortgage has been providing mortgage solutions to the elderly for the last 8 years. The company is licensed to work in 49 states, and it is a subsidiary of Proficio Bank.
  8. Reverse Mortgage USA. Since 2003, Reverse Mortgage USA has been a member of the National Reverse Mortgage Lenders Association. The company is considered the top reverse mortgage educator in the country.
  9. Cherry Creek Mortgage Co. Established in 1987, the company has over 600 employees that provide lending services to thousands of clients. Cherry Creek Mortgage Co. (CCMC) provides reverse mortgage loans through its division, 1 st Reverse Mortgage USA since 2004.
  10. NewDay Financial. NewDay Financial is one of the country’s top mortgage lenders. The company was established in 2002, and received its BBB accreditation the same year.

Moving Forward with Your Mortgage

A reverse mortgage loan is a good choice for seniors over 62 who don t plan on moving into another home in the next two to three years. While it may feature a higher cost with a few risks, under the right circumstances, with the help of professional financial counseling, and by using a good lender, a reverse mortgage loan can be an excellent option for you. For more information, contact a qualified reverse mortgage specialist before proceeding. It never hurts to get more than one quote to make sure you are getting the best deal possible!

Term Life Insurance Rates #term #life #insurance,term #life #insurance #quotes,term #life #insurance #rates,what #is #term #life #insurance,life #insurance #rate,life #insurance #rates,rates #on #life #insurance


Term Life Insurance

Term life insurance offers an affordable solution to those who need a significant amount of life insurance protection on a modest budget. Term life provides temporary coverage, typically for terms ranging from 10-30 years. Unlike whole life insurance. term insurance does not build cash value over time, nor does it serve as an investment tool. However, when a term policyholder dies, his/her beneficiaries will receive the full amount of the policy’s death benefit, usually tax-free.

In our term life insurance section, you will find valuable tips on how to obtain the lowest life insurance rates for your demographic. You can also browse articles on topics like types of term plans, instant coverage, and how to purchase term coverage most efficiently. Everything you need to know about term life insurance is here, including an opportunity to request a free quote on the policy of your choice.

Term Life Insurance Quotes

We have made it easy to find term life insurance rates that are affordable. With our unique method, you can compare term life insurance quotes from leading providers. The entire process can be completed online, accommodating your own schedule. Consider us your ultimate term life insurance guide, providing all of the information you need to make an informed decision. After you determine your budget and the level of protection you desire, use our simple form to get competitive term life insurance quotes delivered quickly. Should you require some extra assistance, please feel free to contact our toll free number listed above. We are committed to answering any questions you may have about term life insurance or how to get the lowest rates. This superior customer service initiative is what separates us from others. Don’t wait any longer to protect your loved ones and most valuable assets in the event of your premature death. Get term life insurance quotes and the peace of mind that comes from knowing you are covered.

Finding The Best Rates

Owning a solid life insurance policy is critical to the financial security of your loved ones, but that does not mean a good policy must place an unnecessary drain on your personal finances. With a little searching, you’ll find that the best term life insurance rates are actually very accessible and surprisingly affordable. Term policies are the most economical option of all life insurance policies, and can help you reduce the cost of such a policy even further by connecting you with the best term life insurance quotes. Read on to discover the secrets to finding great term life insurance at highly competitive rates:

  • Don’t smoke. Smokers pay steep premiums for life insurance, and tobacco users are unlikely to be eligible for the best term life insurance rate class with most providers. For the lowest rates, give up the nicotine habit.
  • Drink in moderation. Consuming more than one to two alcoholic beverages per day may also preclude you from term life insurance best rates online. If you choose to drink, do so only moderately.
  • Watch your weight. Being even slightly overweight may prevent you from qualifying for the best term life insurance policy, so think about trying to lose a few pounds before you search for the best rate term life insurance coverage.
  • Keep your benefit reasonable. Of course the best insurance life term policy will include sufficient coverage for your beneficiaries in the event of your death, but take care not to overinsure yourself. The best rate term life insurance policies will be much more affordable if you choose a reasonable death benefit.

Mortgage rates in Kansas City, Missouri #mortgage #rates, #kansas #city, #missouri, #mo, #30 #year #fixed #mortgage


Rates Blog

  • Email
    • Tweet
    • Email

    Picturing your new home and wondering about mortgage rates in Kansas City, MO. Put your dream in motion by exploring our site for indispensable resources to find the best rates available.

    Whether you are purchasing a new home or refinancing, we provide the ability to check local mortgage rates in Kansas City with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Missouri and the country.

    Rates are subject to fluctuation throughout the day and week. Check us to find accurate and current information on mortgage rates today.

    Mortgage rates in Kansas City, Missouri

    Here are the mortgage rates as of 10 a.m. Sunday in Kansas City, MO. The 30-year fixed mortgage rates vary from 4.18 percent to 4.67 percent.

    Bankrate wants to hear from you and encourages comments. We ask that you stay on topic, respect other people’s opinions, and avoid profanity, offensive statements, and illegal content. Please keep in mind that we reserve the right to (but are not obligated to) edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused.

    By submitting a post, you agree to be bound by Bankrate’s terms of use. Please refer to Bankrate’s privacy policy for more information regarding Bankrate’s privacy practices.

    November 11, 2012 at 3:23 pm

    I would like to know what bank or mortgage Co own the house at 4100 sunrisedrive kcmo 64123?

    High Yield CD and MMA Rates

    Today’s Top Stories

    View rates in your area:

    View rates in your area:

    View rates in your area:

    Calculate your monthly mortgage payment.

    Compare rates daily across CD & Investment products.

    Displays refinance-related stories and articles.

    Claes Bell. CFA, is the mobile editor for He is a co-author of “Future Millionaires’ Guidebook,” available at all major e-book retailers.

    How we make money is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

    Store Credit Cards – Pros and cons of store cards #credit #cards #with #low #intrest #rates


    Store credit cards – Are they a good deal?

    Credit Cards » Is A Store Credit Card A Good Deal?

    “Would you like to save an extra 15 percent today?”

    It’s a commonly asked question at retailers. Your sales clerk has likely practiced their pitch to convert you, a some-time shopper, into a full-time store credit card holder and touted the perks and benefits of doing so.

    But just because a store offers you a tempting discount to sign up on the spot doesn’t mean you should.

    Consider what owning a store card means beyond that initial price break. If your goal simply is to build credit, a secured credit card may be another option.

    Pros and cons of store credit cards

    1. Establishes a credit history
    2. Helps build credit
    3. Special perks
    1. High interest rates
    2. Low credit limits
    3. Another spending temptation


    1. Establishes a credit history

    Store credit cards generally fall into two different categories. Private-label retail cards, which are issued on a “closed loop,” meaning they can only be used at the retailer that sponsors it. Although these types of cards lack ubiquity, they are generally easy for people with low credit scores to obtain.

    “If you are a loyal shopper at a store, (retailers) don’t want to have the experience of telling you that you’ve been rejected for a card,” says Michael Misasi, a senior analyst with payments research and consulting firm Mercator Advisory Group.

    In other words, the underwriting standards associated with store cards are usually more lax than those of traditional credit cards.

    That means private-label retail cards can be “a good point of entry for someone trying to establish credit,” says Christopher Viale, board chairman of the Association of Independent Consumer Credit Counseling Agencies.

    The other kind are co-branded store credit cards, which are sponsored by the retailer but backed by one of the major networks: Visa, Mastercard, American Express or Discover.

    These cards can be used at nearly any retailer, just like a traditional credit card product. Unfortunately, underwriting standards on co-branded cards are the same as traditional credit card products, so consumers with thin credit files won’t qualify.

    2. Helps build credit

    Folks looking to establish or rebuild a credit history may find a friend in store cards. Retail store card issuers are more likely to approve people with lower credit scores, making this a great way to build your credit – just as long as you don’t carry a balance.

    Co-branded store cards, however, are harder to qualify for because the issuers typically price for risk — meaning that people with higher credit scores will get lower interest rates.

    The long-term effect of using a store card wisely can add points to your credit score. Using these cards sparingly and keeping statement balances low can reduce your debt-to-credit limit ratio, which makes up 30 percent of your credit score.

    3. Special perks

    Both types of store cards should feature a one-time sign-up discount plus accelerated rewards at that particular merchant. A co-branded store card may even include some type of base earnings rate — around one point per dollar — on spending outside of the sponsoring store.

    Some store card rewards programs may also feature other special benefits, such as bonus coupons, free gift wrapping, free shipping, free alterations or exclusive financing offers.
    Stores “often have invitation-only shopping events or exclusive sales for their cardholders,” Misasi says.

    Whether these benefits are worthwhile will depend at least partially on how often you shop at a particular retailer. You might also have to do a little number-crunching. Also examine reward credit cards to see if you can get a better deal.

    “In certain situations, you can get a materially better combination of discount and reward (with the card) than you’d get without the card,” says Brad Wilson, founder of deals site Brad’, but “even if you get a better deal, there is the hassle and cost of opening and maintaining an account that is not going to get a lot of use beyond the one special purpose.”


    1. Expensive debt

    Coming out ahead with a store credit card can be tricky, largely because the annual percentage rates on these products tend to run high.

    In fact, a recent ;survey from ;found that the average APR on the credit cards from America’s largest retailers was 23.84 percent, which is significantly higher than the ;current national average for variable rate credit cards (Rates hover around 16.5 percent.)

    Plus, while the specifics vary, a store card’s rewards program is “always about getting the customer back into the store to spend more money,” says Madeline K. Aufseeser, CEO and co-founder of Tender Armor, makers of credit card fraud prevention software.

    So, undisciplined shoppers could easily rack up a bill they can’t afford to pay off at the end of the month, which would negate the value of any rewards or discounts they’ve earned on the purchases.

    “If there is even a remote possibly that you’d carry a balance, you should pass,” Wilson says.

    2. Credit score problems

    Another potential drawback to store cards: The credit limits on these products tend to run low, a penchant that could wind up hurting your credit score.

    “If you have a $300 credit limit and you put $200 on (the card), your credit utilization is going to be high,” says Beverly Harzog, author of “Confessions of a Credit Junkie: Everything You Need to Know to Avoid the Mistakes I Made.”

    Experts generally recommend keeping your ;credit utilization rate ; — essentially how much debt you are carrying versus how much credit has been extended to you — below 20 percent to 30 percent. The lower, the better.

    And utilization isn’t the only factor that to consider. Each card application will also generate a ;hard inquiry ;on your credit report.

    So, yes, “if you open up a bunch of different retail store cards or any sort of credit cards in a short amount of time, that would hurt your score,” says Anthony Harrison, founder and principal of Sprauve-Harrison Communications and a former FICO senior consumer credit specialist.

    3. Should you apply?

    As with most credit card considerations, it all depends.

    If you tend to carry a balance, you should shop around for a low-interest credit card instead. If you shop a lot at one particular retailer, aren’t prone to carrying a balance and have a credit score that can handle a new inquiry, the card could prove worthwhile.

    However, if you do decide to take your favorite retailer up on an offer, make sure to carefully read the terms and conditions. Check to see, for instance, if the card carries an annual fee and what the go-to APR will be once any deferred-interest promotions lapse.

    You should also ask at the register how you can pay your bill, because in order to qualify for the promotional discount, that day’s purchases will typically be charged to the new card.

    “When people open these cards, sometimes they sort of forget about it,” says Linda Sherry, director of national priorities at Consumer Action, a national nonprofit advocacy and education organization.

    You could easily miss your first card payment, incurring late fees, interest and other potential penalty charges. The missed payment could also cost your credit score ;70 to 90 points. depending on your current credit score.

    “Don’t leave the store before you ask … ‘When can I expect the bill to arrive and how can I log in online to look at it,'” Sherry says.

    Special Events Liability #insurance, #liability, #events, #party, #sporting #events, #general #liability, #event #host, #cgl, #liquor #liability, #party #insurance, #special #event, #function, #service #of #alcohol, #low #premium, #great #rates, #third #party #injury, #weddings, #meeting, #family #reunions, #festivals #street #party, #theatre, #film #shoot, #rodeo, #craft #show, #online #application, #canada, #short #term, #event #insurance, #


    This program provides Event Hosts with protection in the event of lawsuits arising out of single/multi-day functions with or without service of alcohol.

    Designed for
    • Hosts of single/multi day events who are seeking coverage (other than 1 day reception style event – ALL events with live entertainment or sports MUST be submitted on this form) OR
    • Hosts of single/multi day events where NO alcohol will be served (however, liquor extensions are available)

    We offer limits of liability from $1,000,000.00 to $5,000,000.00 with deductibles from $1,000.00.

    Coverage included: Commercial General Liability, including Third Party Property Damage/Bodily Injury, Medical Payment ($2,500.00pp/$25,000.00 max), Non-Owned Auto, Food and Beverage Product Coverage, Cross Liability, Employees/Volunteers as Additional Insured and Tenant’s Legal Liability ($500,000.00 +)


    Are you running an exhibitor booth, vendor booth or kiosk at an event, flea market or mall?

    Having a wedding?

    You might want to look at our NEW Weddinguard package. It Includes three(3) 24 hour periods of liability coverage as well as cancellation coverage and much more. The cost is comparable to our Party Alcohol rates; be sure to check it out!

    All other special events

    Meetings, family reunions, music festivals, concerts, ball tournaments, street parties, conventions, film shoots, hockey tournaments, theatrical performances, youth dances, film festivals, camps, rodeos, craft shows and more.

    Please note that we are unable to provide you with a quote for events more than 120 days inadvance.


    Contact information

    Please dial 1-800-265-8098 EXT: 828 or 1-800-661-1608 EXT 828 to reach a Special Events Underwriter

    Loan Rates, WEPCO Federal Credit Union, title loan rates.#Title #loan #rates


    Loan Rates


    APR* is listed as low as

    All APR s* are listed as low as

    All APR s* are listed as low as

    All APR s* are listed as low as

    APR* is listed as low as

    20 Years and Older

    APR* is listed as low as

    **Minimum financing of $15,000 for 72 Mo

    **Minimum financing of $10,000 for 60 Mo


    Motorcycle loans require title and insurance.

    100% Financing of MSRP or book value including tax and title

    Minimum financing of $15,000


    APR* is listed as low as

    All APR s* are listed as low as


    All APR s* are listed as low as


    All APR s* are listed as low as


    All APR s* are listed as low as


    10 Year Draw 10 Year Payback Available

    *APR Annual Percentage Rate. WEPCO assumes no responsibly for errors or omissions. Please contact the credit union to verify current rate(s) or additional information. The APR on an open-end loan is subject to change during the term of the loan. Any loan not marked as open-end is closed-end. Rates are subject to terms and conditions.

    Closed end loans have a specified term for pay back, a stated payment and a fixed interest rate.

    An example of a closed end loan repayment would be 12 monthly payments of $88.38 at an APR of 11% for $1,000 borrowed. For this example, please contact a loan officer at any Credit Union office, or use our web site Loan Calculator. For this example, the rate will not increase during the term of the loan.

    The finance charges includes just the interest charged on the outstanding balance. The rate is variable and subject to change.

    WEPCO Federal Credit Union uses a risk based lending policy to determine a member s interest rate. In grading a loan application, the credit bureau provides WEPCO Federal Credit Union with a calculated national risk score, which is then matched to a letter score of A+, A, B, C, or D. Rates have been set according to a corresponding letter grade. The letter grade of an A+ would receive our best rate, while tiers A, B, C, and D grades would each receive a slightly higher interest rate. Rates are based on credit risk, vehicle year, term and amount financed.

    The purpose in offering risk based loans is to help as many members as possible. We recognize that certain members represent more risk than others. We will not grant loans where the probability of repayment is very doubtful. We recognize the importance of managed risk. We also recognize members who are charged unfavorable rates with other lenders, and we could help with a managed risk program that saves these members substantial money while helping them rebuild their credit

    Title loan rates Title loan rates Title loan rates Title loan rates Title loan rates Title loan rates

    Quick Links

    • Title loan ratesMembership
    • Title loan ratesATM Network
    • Title loan ratesApplications
    • Title loan ratesDirect Deposit Form
    • Title loan ratesFeedback Form
    • Title loan ratesEmployment Opportunity
    • Title loan ratesGallery
    • Title loan ratesUpdate Member Info
    • Title loan ratesReorder Checks
    • Title loan ratesDisclosures

    Title loan rates

    links of footer_above portion

    WEPCO Federal Credit Union

    Routing Transit #252178201

    • Title loan rates
    • Title loan rates

    Home insurance basics #home #insurance, #home #insurance #rates, #homeowners #insurance, #ho-3


    Home insurance basics

    Home insurance protects what is typically the biggest investment you’ll make: Your house. Yet this investment can disappear in matter of minutes or seconds if there’s a fire or natural disaster. Insurance is meant to come to the rescue in these times of calamity.

    A home insurance policy covers much more than damage to your house. There are additional coverage types within a policy that can save you from financial disaster, with limits often set as a percentage of the dwelling’s coverage amount. (Check your own policy for limits.)

    • Your belongings. (Often 50 percent of the dwelling amount.)
    • Certain structures outside your house, such as your garage or fence. (Often 10 percent of the dwelling amount.)
    • Loss of use, meaning additional living expenses you incur if you can’t live at home due to damage. This could include hotel bills, restaurant meals and laundry costs. (Often 20 percent of the dwelling amount.)
    • Liability, for cases where you are sued for damages or injuries to someone else.
    • Medical bills for people injured on your property or by your pet.

    Other items may be covered under your home insurance, with specific limits for each, so check your policy or ask your agent:

    • Downed trees
    • Replacement of lawn, trees and shrubs
    • Debris removal
    • Power outages, including food spoilage
    • Grave markers
    • Unauthorized charges to your credit cards

    You may need extra coverage for valuables such as jewelry, your computer equipment, antiques and other pricey possessions, where their value exceeds the coverage limits in your policy.

    Home insurance does not cover earthquakes or floods you’ll need to buy separate policies for those if you want coverage for those disasters. And in some areas of the country you need to buy windstorm coverage separately.

    Mortgage lenders usually require customers to purchase home insurance. Don’t rely on the coverage levels mandated by your mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. That’s why it’s important to check with your agent or insurance company to make sure you have adequate coverage.

    Types of home insurance policies

    You may hear the term “standard home insurance policy.” Home insurance policies are often similar because there are two organizations that supply policy forms to insurers: ISO and the American Association of Insurance Services. Some home insurance companies choose to use their own policies. Whichever type your insurer is using, the policy has to be approved by your state insurance department.

    Your premiums will vary, and as with other forms of insurance, you can expect to find a wide range of rates among insurance companies for the exact same level of coverage. That’s why it’s important to shop around.

    Here are the basic types of home insurance policies:

    Perils covered in HO-2, HO-4 and HO-6 policies

    1. Fire or lightning

    Copyright 1984-2017 Quinstreet, Inc.

    All rights reserved is a part of the family

    Disclaimer: The insurance products on are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on (including the order in which they appear). QuinStreet does not include all insurance companies or all types of products available in the marketplace.

    To save more,
    tell us who you are!
    I am.

    Copyright 1984-2017 Quinstreet, Inc.

    All rights reserved is a part of the family

    Disclaimer: The insurance products on are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on (including the order in which they appear). QuinStreet does not include all insurance companies or all types of products available in the marketplace.

    Compare home quotes & save!

    Enter a valid US zip code!