DIRS.INFO The most relevant business & tech news

☆ Spring homebuying and selling season just kicked off. Are you ready?
▼ + stars: | 2024-02-11 | by ( Anna Bahney | ) edition.cnn.com time to read: +9 min

So if you’re planning to be in the market this year, here’s what to expect this spring — and how to be ready to pounce. Don’t wait for better prices or ratesLast year was the least affordable housing market since the 1980’s as mortgage rates spiked to 23-year highs at the end of October. But a slightly brighter season is dawning this spring. This spring is offering a bit of rate and price stability said Betty Jans, an Annapolis, Maryland-based real estate agent. “If you wait, and all of the sudden we have a little dip in rates, you’re going to be competing with everyone else that wants to buy then, too,” Jans said.

Persons: it’s, Fannie Mae, Betty Jans, Tiffany Hagler, homebuyers, ”, Jans, Berkshire Hathaway, PenFed, ” Jans, “, Mike Mravca, Mravca, ” Mravca, “ I’ve, Hillary Nash, Nash, “ It’s, you’re Organizations: Washington CNN, NFL, Super, Geard, Bloomberg, Getty, Berkshire, Taylor Properties, NAR, District of Columbia, of Housing, Urban Development, National Housing Conference Locations: Annapolis , Maryland, Larchmont , New York, Virginia , Maryland, Delaware, Washington, Washington , DC, Maryland, Virginia

☆ Best High-Yield Savings Accounts for October 2023
▼ + stars: | 2023-09-28 | by ( Martha C. White | ) www.wsj.com time to read: +18 min

With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.45%, according to the Federal Deposit Insurance Corp. Their new High-Yield Savings account offers a 3.5% APY, but you need a hefty $5,000 deposit to open the account. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform.

Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, UFB, —, Achilles, We’ve, Foster, Alliant, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Axos Bank, Webster Bank, National Bank, Zelle, Alliance Data Systems, Comenity Capital Bank, FDIC, Foster Care, Navy, Navy Federal, Savings, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Utah, Chicago, U.S, .

☆ Best High-Yield Savings Accounts of September 2023
▼ + stars: | 2023-08-31 | by ( Martha C. White | ) www.wsj.com time to read: +18 min

With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.43%, according to the Federal Deposit Insurance Corp. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform. How we pickedTo pick Buy Side from WSJ’s Best Savings Accounts, we looked for accounts that offered the best APY on deposited funds without restrictions.

Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, Foster, Alliant, —, Ivy, Achilles, We’ve, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Foster Care, Navy, Navy Federal, Bask Bank, Texas Capital Bank, Savings, LendingClub, Alliance Data Systems, Comenity Capital Bank, FDIC, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Chicago, U.S, Utah, .

Consumers Credit Union Frequently Asked QuestionsHow long does Consumers Credit Union take to approve a loan? Consumers Credit Union TrustworthinessConsumers Credit Union is a Better Business Bureau-accredited business that has an A+ grade. Consumers Credit Union CompetitorsHow Consumers Credit Union compares Consumers Credit Union Auto LoanPenFed Auto LoanNavy Federal Auto Loans Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Borrowers who pay a one-time $5 membership fee to the Consumers Cooperative Association qualify for membership with Consumers Credit Union. Navy Federal's minimum rates are more competitive than Consumers Credit Union, but you'll need an excellent credit score to qualify for them.

Persons: You'll, hasn't, Ryan Wangman Organizations: Consumers Credit Union Auto Loan, Consumers Credit, Credit Union, Consumers Credit Union, Consumers Credit Union Auto, Consumers Cooperative Association, Consumers Cooperative Association ., Auto Loan, Auto, Social, Chevron, Consumers, Union, Auto Loan Navy Federal Auto Loans, . Navy, Navy, Department of Defense, Finance, Northwestern University, Boston Globe Locations: Chicago

See Insider's picks for the best personal loans >>Compare Personal Loan RatesHere's how you can get approved for a $20,000 loan from a credit union, bank, or online lender. $20,000 loan offersThere are plenty of personal loan options out there for folks shopping around for a good deal on a $20,000 loan. You can take out a loan as low as $5,000 and as high as $100,000, so a $20,000 loan is more than doable with SoFi. How to get a $20,000 loan FAQsHow much would a $20,000 loan cost per month? The monthly cost of a $20,000 loan can vary greatly based on the annual percentage rate (APR) and the terms of your loan.

Persons: —, It's, You'll, you'll, SoFi, Wells Organizations: Service, Social, National Credit Union Administration, Wells Fargo, Wells, PenFed Credit, Avant, Chevron Locations: Wells Fargo, Massachusetts , Ohio, New Mexico, Georgia

Credit score and history: Your credit score and history are key to getting your loan approved for a personal loan. How to qualify for a $10,000 loan with bad creditA good credit score is essential when getting approved for a $10,000 loan. $10,000 loan offersIf you're looking to take out a $10,000 loan, here are some lenders worth considering:LightStream is best for borrowers with excellent credit scores, but you can still qualify with a score as low as 660. How to get a $10,000 loan FAQsHow much would a $10,000 loan cost per month? The cost per month for a $10,000 loan can vary greatly based on the regular annual percentage rate (APR) and the terms of your loan.

Persons: —, you've, They're, LightStream, SoFi, Avant Organizations: Service, Social, National Credit Union Administration, SoFi, PenFed Credit, Avant, Chevron Locations: prequalification, Massachusetts , Ohio, New Mexico, Georgia

See Insider's picks for the best personal loans >>Compare Personal Loan RatesHow to get a $5,000 loanYou'll need to meet some lender qualification requirements before you can be approved for a $5,000 loan. How to qualify for a $5,000 loan with bad creditCredit scores are key in determining whether or not you'll be able to pay back your loan. Insider's Featured Personal Loan Companies LightStream Personal LoanMarcus Personal LoanSoFi Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How to get a $5,000 loan FAQsHow much would a $5,000 loan cost per month? The monthly cost of a $5,000 loan can vary greatly based on the regular annual percentage rate (APR) and the terms of your loan.

Persons: —, You'll, they'll, Goldman Sachs, Avant, you've Organizations: Service, Social, National Credit Union Administration, PenFed Credit, Chevron Locations: Massachusetts , Ohio, New Mexico, Georgia

PenFed Auto Loans Frequently Asked QuestionsIs PenFed good for auto loans? What credit score is needed for a PenFed auto loan? PenFed Auto Loans CompetitorsHow PenFed compares PenFed Auto LoanNavy Federal Auto LoansPNC Auto Loans Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How we rate auto loansWe rate all auto loan products in our reviews and guides on a 1-5 scale. See our ratings methodology for auto loans »Ryan Wangman, CEPF Loans Reporter Ryan Wangman is a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.

Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). Our Experts for the Best Personal Loans With No Origination FeesWe consulted personal loan and financial experts to give their insights into finding the best personal loans with no origination fees. Personal Loan With No Origination Fees Frequently Asked QuestionsCan you get a personal loan without an origination fee? How to Choose the Best Personal Loan With No Origination FeesTo select the best personal loan for you, look at the factors that are most important to you. Methodology: How we chose the best personal loans without origination feesWe rate all personal loan products in our reviews and guides on a 1-5 scale.

Connexus Credit Union Personal Loan Pros and ConsConnexus Credit Union Personal Loan Pros Low minimum APR. Yes, Connexus Credit Union is a legitimate financial institution insured by the National Credit Union Administration. Connexus Credit Union TrustworthinessConnexus Credit Union has an A+ rating from the Better Business Bureau. Connexus Credit Union CompetitorsSide-by-side snpashot Connexus Credit Union Personal LoanPenFed Credit Union Personal LoanNavy Federal Credit Union Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Connexus Credit Union Personal Loan vs. PenFed Credit Union Personal LoanConnexus's personal loans also have higher minimum and maximum amounts than personal loans from PenFed.

Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). Our Experts for the Best Personal Loans With No Origination FeesWe consulted personal loan and financial experts to give their insights into finding the best personal loans with no origination fees. See our full ratings methodology for personal loans »Best personal loans without origination fees LightStream Personal LoanSoFi Personal LoanDiscover Personal LoanWells Fargo Personal LoanPenFed Credit Union Personal LoanUSAA Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Personal Loan With No Origination Fees Frequently Asked QuestionsCan you get a personal loan without an origination fee? How to Choose the Best Personal Loan With No Origination FeesTo select the best personal loan for you, look at the factors that are most important to you.

☆ Record-high credit card debt outpaces savings for nearly one-third of the country — here's what you can do
▼ + stars: | 2023-02-25 | by ( Elizabeth Gravier | Jason Stauffer | ) www.cnbc.com time to read: +7 min

Here's what credit cardholders with debt can doThe following advice can help set you on the path toward solvency if you feel you're drowning in credit card debt. Transfer debt to a balance transfer credit card If you're carrying a credit card balance month to month that you just can't pay off, your first priority should be putting a halt to the interest it's accruing. And, once you can pause the interest accrual on your credit card, you can then also focus on growing your savings. Consolidate debt with a personal loan Those with credit card debt may want to also think about taking out a personal loan to consolidate their debt into one monthly payment. Bottom lineIf you're struggling under the burden of credit card debt, you're far from alone.

Details Regular Annual Percentage Rate (APR) 7.49% to 18.00% Fees $29 late fee Editor's Rating 3.75 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Navy Federal Personal Loan Amounts and Interest RatesNavy Federal Credit Union has personal loan amounts that range from $250 to $50,000. How Navy Federal Credit Union Personal Loans WorkNavy Federal Credit Union offers unsecured personal loans, which are loans that don't require collateral, such as a house or car. Navy Federal Personal Loans Frequently Asked QuestionsAre Navy Federal personal loans legitimate? Yes, Navy Federal Credit Union is a legitimate credit union federally insured by the National Credit Union Administration.

Alliant Credit Union Personal Loan Amounts and Interest RatesAlliant Credit Union offers personal loans from $1,000 to $50,000, with an APR range that starts at 10.49%. How Alliant Credit Union Personal Loans WorkAlliant Credit Union offers unsecured personal loans to qualified borrowers. Alliant Credit Union TrustworthinessThe Better Business Bureau has rated Alliant Credit Union an A+. Yes, Alliant Credit Union is a legitimate credit union federally insured by the National Credit Union Administration. Rates are capped by the National Credit Union Administration at 18%, so if you have poorer credit, you might get a better rate with a credit union than another lender.

USAA Classic Checking 4.25 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.01% on balances of $1,000 or more Minimum Deposit Amount $25 View Full Details Learn moreUSAA Classic Checking 4.25 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.01% on balances of $1,000 or more Minimum Deposit Amount $25 View Full Details Learn more at USAA's secure site. Access to 1,200 free USAA ATMs Check mark icon A check mark. Read our review Read Our Review A looong arrow, pointing rightUSAA vs. Navy Federal CD comparisonsUSAA Bank CD Navy Federal Credit Union Standard Certificate Term lengths 30 days to 7 years 3 months to 7 years Minimum opening deposit $1,000 $1,000 APY 0.01% to 3.71% 0.45% to 4.45% Early withdrawal penalties 30 days to 1 year of interest 90 days to 1 year of interest Types of CDs Standard CDs, Jumbo CDs Standard share certificates, Jumbo share certificates Next steps Learn more Learn moreWinner: Navy Federal Navy Federal and USAA CDs are comparable in many ways, but Navy Federal wins when it comes to interest rates. Winner: Navy Federal Navy Federal is a default winner for this category because USAA doesn't have a money market account. At Navy Federal, you'll need to open the Navy Federal Credit Union Share Savings Account to become a member.

Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Virtual debit card, physical debit card, and access to Apple Pay, Google Pay, Samsung Pay Check mark icon A check mark. Pros Check mark icon A check mark. Check writing included Check mark icon A check mark.

Organizations: & $

Pros Check mark icon A check mark. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Virtual debit card, physical debit card, and access to Apple Pay, Google Pay, Samsung Pay Check mark icon A check mark. Pros Check mark icon A check mark.

The bottom line: Pentagon Federal Credit Union is a solid choice for conventional, FHA, or VA mortgages thanks to its competitive rates. Pentagon Federal Credit Union vs. Navy Federal mortgagesPenFed Credit Union Navy Federal Credit Union Types of home loans Conforming, jumbo, FHA, VA, HELOC Types of home loans Conforming, jumbo, VA Standout feature Power Buyer certification Standout feature Alternative credit data Get Started Compare RatesPenFed and Navy Federal Credit Union are both solid options if you want a lender that emphasizes services and products for military members or families. How Pentagon Federal Credit Union mortgages workPenFed is featured in our best banks and credit unions for military members and their families guide. Is Pentagon Federal Credit Union trustworthy? Pentagon Federal Credit Union mortgage FAQWhat credit score do PenFed mortgages use?

A comparative few credit cards on the market specify that EV charging stations will receive bonus rewards. Popular charging stations include:TeslaChargePointEVgoLet's examine how to get the most return for EV charging expenses. These cards do not officially list EV charging stations in their bonus categories, so your results may vary. Electric vehicle charging station credit cards frequently asked questions (FAQ)Is there an EV charging stations map? The above credit cards offer effective bonuses between 2% and 4.5% back for EV charging stations.

Chase Premier Plus Checking℠ 3.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5 out of 5 Stars Annual Percentage Yield (APY) 0.01% effective as of 7/1/2022. Interest rates are variable and subject to change Minimum Deposit Amount $0 Fees $25 View Full Details Learn MoreChase Premier Plus Checking℠ 3.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5 out of 5 Stars Annual Percentage Yield (APY) 0.01% effective as of 7/1/2022. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE.

Review: Is the PenFed Pathfinder Rewards Visa Signature Card best for you? How to earn rewards with the PenFed Pathfinder Rewards Visa SignatureThe PenFed Pathfinder® Rewards Visa Signature® Card earns unlimited points in all categories with no spending caps. How to use rewards from the PenFed Pathfinder Rewards Visa SignatureIt's important to note that PenFed Pathfinder® Rewards Visa Signature® Card doesn't have airline and hotel transfer partners. Other Visa Signature card benefits include shopping, golf, wine, food, and entertainment discounts and access to the Visa Signature Luxury Hotel Collection. The PenFed Pathfinder® Rewards Visa Signature® Card is worth it for PenFed Credit Union members who want a rewards card that earns up to 4 points per dollar for a modest annual fee.

Refunds up to $15 per month in out-of-network ATM fees Check mark icon A check mark. Link to another USAA account for free overdraft protection Check mark icon A check mark. Read our review Read Our Review A looong arrow, pointing rightUSAA vs. Navy Federal CD comparisonsWinner: Tie Both Navy Federal and USAA pay a much higher interest rate than the national average CD rate. Winner: Navy Federal Navy Federal is a default winner for this category because USAA doesn't have a money market account. At Navy Federal, you'll need to open the Navy Federal Credit Union Share Savings Account to become a member.

$0 Apply now On PenFed Credit Union's website Apply now On PenFed Credit Union's website Apply now On PenFed Credit Union's websiteHow Navy Federal Credit Union bank accounts compare Navy Federal Credit Union Share Savings AccountNavy Federal Free Active Duty Checking™ AccountNavy Federal Credit Union Standard CertificateNavy Federal Credit Union Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How Navy Federal Credit Union worksNavy Federal Credit Union has 247 branches around the world, including ones on some military bases. How to join Navy Federal Credit UnionNavy Federal is a credit union for people associated with the military. Navy Federal Credit Union trustworthiness and BBB ratingThe Better Business Bureau currently has an NR rating for Navy Federal Credit Union. Navy Federal Credit Union vs. Pentagon Federal Credit UnionNavy Federal has several types of checking accounts, so you may find one that's a good fit.

Search resuls for: "PenFed"

25 mentions found