DIRS.INFO The most relevant business & tech news

Pros Check mark icon A check mark. Earn competitive APY when you link to another eligible TD Bank account Check mark icon A check mark. Mobile check deposit Check mark icon A check mark. Mobile check deposit Check mark icon A check mark. Competitive APY Check mark icon A check mark.

Organizations: & $

☆ Beware: The companies that hold your crypto aren’t insured the way banks are
▼ + stars: | 2022-11-13 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +4 min

But now, in the wake of crypto exchange FTX’s implosion, crypto investors were reminded of another risk they face: Crypto accounts lack guaranteed protections when the exchange or platform provider goes belly up. But most banks and brokerages, as well as 401(k) plans, do provide federally guaranteed protections and other insurance. What’s more, customers may unwittingly agree to let the company running an exchange or platform use their digital assets. Bank and credit union accountsIf you have a checking or savings account, a money market deposit account or certificates of deposit at a bank or credit union, make sure the institution has deposit insurance. There are several types of deposit accounts you may have at one bank (e.g., personal account, business account, etc.)

Pros Check mark icon A check mark. High APY Check mark icon A check mark. No minimum opening deposit Check mark icon A check mark. No monthly service fees Check mark icon A check mark. Pros Check mark icon A check mark.

Pros Check mark icon A check mark. Earn interest Check mark icon A check mark. No monthly service fees Check mark icon A check mark. $20/month in out-of-network ATM fee refunds Check mark icon A check mark. No overdraft fees Check mark icon A check mark.

☆ Some People Are Getting 14 Times the Average Savings Account Rate. Here Are the Best Offers
▼ + stars: | 2022-11-10 | by ( ) www.wsj.com time to read: +6 min

By Martha C. WhiteAfter years of earning essentially zilch on your cash, it’s finally possible to see a real return in your savings account. (Capital One 360 Performance Savings remains our pick for Best Overall Savings Account.) Strategies to find the best savings ratesThere are a few places you can search for a savings account that offers high interest—and a couple of caveats to keep in mind. Try an aggregatorSites that aggregate banking offers can be a good place to start your search for a high-yield savings account. With lower overhead than their bricks-and-mortar counterparts, these businesses have more leeway to offer higher rates on deposits.

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.

The best online institution for getting a competitive interest rate on a high-yield savings account is BrioDirect, which pays 3.75% APY on the BrioDirect High-Yield Savings Account. Best online savings rate How to earn interest Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best brick-and-mortar savings account rate How to earn interest Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best checking/savings combo rate How to earn interest Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best money market account rate How to earn interest Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Organizations: & $

We selected Capital One 360, Synovus Bank, Regions Bank, Delta Community Credit Union, and Credit Union of Atlanta as the best banks and credit unions in Georgia. These financial institutions have savings account rates that are lower than the average savings account. Delta Community Credit Union members will need to open the Delta Community Credit Union Personal Savings Account. Robins Financial Credit Union (Federally insured by the NCUA): Robins Financial Credit Union has a free checking account, but our top credit union has lower minimum opening deposits. We reviewed the 10 biggest banks and credit unions in the state, plus any financial institutions featured in our Black-owned banks and credit unions guide and Hispanic American-owned banks and credit unions guide.

In that case, you may still be able to tap your home equity by taking out a home equity loan. After you take out a home equity loan, you'll have two loans that use your home as collateral — your original mortgage and the home equity loan. While the terms "home equity loan" and "home equity line of credit" (HELOC) are often used interchangeably, they're actually two different types of home equity debt. You may be able to get more cash with a home equity loan than with other forms of borrowing. Home equity loans typically have higher rates than HELOCs, so you'll likely pay more for a home equity loan.

☆ What rising interest rates mean for your credit, loans, savings and more
▼ + stars: | 2022-11-02 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +11 min

“Interest rates have increased at the fastest pace in 40 years,” said Greg McBride, chief financial analyst at Bankrate.com. They’re offering far higher rates – with some topping 3% currently – and have been increasing them as benchmark rates go higher. At the most recent auction in October, for instance, the 5-year TIPS had an interest rate of 1.625%. Home loans: Lock in fixed rates nowMortgage rates have been rising over the past year, jumping more than three percentage points. That said, “don’t jump into a large purchase that isn’t right for you just because interest rates might go up.

From exceeding your credit limit to fraud prevention, there are many reasons a credit card may be declined. Apply Now On Chase's website Apply Now On Chase's website Apply Now On Capital One's website6 of the most common reasons your credit card is declined1. You hit your credit limitIf you're at or near your credit limit, your card may be declined. Your credit card is expiredYour card will also be declined if it's past the expiration date. How to prevent your card from being declinedTo prevent your credit card from being declined, know your card's expiration date and notify your credit card company of international travel plans.

Here are Insider's top picks for same-day or next-day funding:Best quick personal loans LightStream Personal LoanUpstart Personal LoanAvant Personal LoanBest Egg Personal LoanRocket Loans Personal LoanOppLoans Personal LoansLendingPoint Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Same day Editor's rating 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star APR 5.99% to 21.49% with AutoPay (Rates as of 10/25/2022. This lender topped Insider's list of best personal loans in 2022, and quick funding is yet another bonus. Other fast personal loans we consideredNot all banks that offer personal loans will fund them quickly. Fast cash personal loan credit requirementsLender Minimum credit score LightStream 660 Upstart 600 Avant 600 Best Egg 640 LendingPoint 580 Rocket Loans 620 OppLoans No minimumThe best quick personal loan for you will largely depend on your credit score.

Pros Check mark icon A check mark. No minimum opening deposit Check mark icon A check mark. Debit card included Check mark icon A check mark. Eligible for new accounts after your child turns 13 Check mark icon A check mark. But if you'd like to open a savings account for your child, it only lets you open one of the bank's regular savings accounts as a joint bank account.

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.

$500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Today's savings account ratesBelow, you'll find our picks for the best savings accounts right now. Pros Check mark icon A check mark. Earn up to 15% cash back at local retailers if you use a SoFi debit card Check mark icon A check mark. Eligible for new accounts after your child turns 13 Check mark icon A check mark. Just like a savings account opened through a brick-and-mortar bank, most online savings accounts are FDIC insured up to $250,000.

Best banks and credit unions in Florida Bank of AmericaAllyVystar Credit Union Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Editor's rating 3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Category Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best for a savings account Savings APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best credit union Savings APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best bank for opening a checking account: Bank of AmericaWhy it stands out: Bank of America has over 500 branches around Florida and a $100 sign-up bonus offer.

The average rate for a 3-month CD is 0.19% APY, and 0.83% APY for a 5-year CD, according to the FDIC. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. 1.50% to 4.50% APY Terms Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

☆ College-bank partnerships aim to help students—but the products can be costly
▼ + stars: | 2022-10-24 | by ( Kamaron Mcnair | ) www.cnbc.com time to read: +3 min

But regulators and consumer advocates have concerns about whether these services are actually helping students' financial health. Colleges and universities have, for a long time, partnered with banks and credit unions to provide financial services like checking accounts and credit cards to students. The Department of Education provides regulation for these arrangements to help ensure colleges are acting in students' best interests when entering into these partnerships. Tier 2: The financial institutions usually pay the schools to advertise general products like checking accounts and credit cards for any interested student. "We have been seeing a shift in recent months and years away from some of the fees that we still see assessed on these college products," a CFPB official said.

☆ BOJ's Kuroda says must watch FX impact on economy
▼ + stars: | 2022-10-21 | by ( ) www.reuters.com time to read: 1 min

TOKYO, Oct 21 (Reuters) - Bank of Japan Governor Haruhiko Kuroda said on Friday the central bank must closely watch how financial and currency market moves could affect the country's economy and prices. "Japan's economy is likely to recover as the impact of the coronavirus pandemic and supply constraints ease," Kuroda said in a speech to an annual meeting of credit unions. "Uncertainty over Japan's economic outlook is extremely high," he added, pointing to risks such as the fallout from the pandemic, the war in Ukraine and overseas economic developments. Register now for FREE unlimited access to Reuters.com RegisterReporting by Sakura Murakami and Leika Kihara; Editing by Jacqueline WongOur Standards: The Thomson Reuters Trust Principles.

The bottom line: Municipal Credit Union is an excellent lender with great rates for borrowers who qualify and a range of term lengths. Municipal Credit Union has both low minimum and maximum rates on its loans, perfect for borrowers with a variety of credit scores. How Municipal Credit Union personal loans compareHow Municipal Credit Union compares Municipal Credit Union Personal LoanNavy Federal Credit Union Personal LoanFirst Tech Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. However, First Tech Federal Credit Union and Municipal Credit Union have similar minimums. See our ratings methodology for personal loans »Frequently asked questionsIs Municipal Credit Union trustworthy?

Signing up for a new high-yield savings account online can take as little as five minutes. But high-yield savings accounts pay significantly higher rates than the national average, and the interest earned is usually deposited into your account monthly. Compare high-yield savings account optionsShop around for the best high-yield savings account that fits your needs. On your online account, you'll be able to see account balances, make transfers from one account to another, and see your transaction history. There are three main things to consider when choosing a savings account: APY A high APY is especially important if you are looking for a high-yield savings account, rather than a regular savings account at an in-person bank.

Average CD rates vs. highest CD ratesThe FDIC keeps tabs on national rates for bank accounts that pay interest, like savings accounts and CDs. You can use the table below to see how the most competitive CD rates compare to average CD rates. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Search resuls for: "Credit Unions"

25 mentions found