Current Interest Rates on Home Loans, Savings, Car loans – CD Rates #mortgage #caluculator


#mortgage rate charts

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Today’s Interest Rates and Financial Advice:

Financial Advice

  • 7 ways to measure your financial success

Just as blood pressure and cholesterol are valuable measures of your physical well-being, we’ve come up with the critical numbers you need to track the state of your financial health.

September 17th 2016

  • What kind of return can we expect from a 401(k)?

    Something like 5% or 6% a year is reasonable, and long-term returns from 10 big mutual funds often found in 401(k) retirement plans show you could make even more than that.

    September 16th 2016

    • Is now the right time to refinance?

    For most homeowners, the answer is “yes.” By any historical measure, home loans remain incredibly cheap, and it’s possible to land a new, cheaper mortgage even if you have below-average credit and little equity in your home.

    September 16th 2016

  • Selling a car: How to limit your risk

    Selling a car on your own almost always means getting more money for it than if you had traded it in. Use these tips to limit your risk during the sale.

    September 15th 2016

  • 7 big questions your Closing Disclosure can answer

    Borrowers applying for a mortgage after Oct. 3, 2015, get a five-page form designed to make home loans easier to understand before the deal is finalized.

    September 15th 2016

  • Turn your investments over to a robo-adviser

    Websites using the same algorithm-based asset management strategies employed by human financial advisers are the hot new thing in investing. They provide a wide range of automated services at a fraction of the cost.

    September 14th 2016


  • Banking Services: Checking, Savings, Mortgage #30 #year #mortgage #rate


    #mortgage online

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    Regions Bank

    Regions Services

    2016 Regions Bank. All Rights Reserved.

    Insurance products are offered through Regions Insurance, Inc. which is an affiliate of Regions Bank.

    Regions Investment Solutions is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers is an affiliate of Regions Bank. Regions Investment Solutions, 250 Riverchase Parkway East, Hoover, AL 35244.

    The purchase of insurance products through an affiliate is completely optional. Neither the purchase of insurance products through the bank or any of its affiliates, nor the agreement not to obtain, or a prohibition on the consumer from obtaining insurance products through an unaffiliated entity will affect any application for credit or the terms of any existing credit agreement with Regions Bank.

    Investment, Insurance and Annuity Products
    Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value | Are Not Deposits | Are Not Insured by Any Federal Government Agency | Are Not a Condition of Any Banking Activity

    Regions, the Regions logo and the LifeGreen bike are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.

    Make an Appointment (Opens in a new window)

    Make an Appointment

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    Customer information provided in order to set up this appointment will not be used to update any customer records and this information will only be used to service this appointment.

    *Investment Annuities and Insurance Products

    • Are Not FDIC Insured
    • Are Not Guaranteed
    • May Lose Value
    • Are Not Deposits
    • Are Not Insured by Any Federal Government Agency
    • Are Not a Condition of Any Banking Activity

    Banking products are provided by Regions Bank, 1900 5th Avenue North, Birmingham, AL 35203

    © 2015 Regions Bank

    You are about to leave Regions.com


    Nationwide International – secure offshore savings accounts and banking #jumbo #mortgages


    #nationwide mortgage

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    Online Banking

    Find out more Register

    Nationwide International announces proposed closure

    More.

    Bonus 45 Account

    Issue 2 includes an introductory variable rate bonus of up to 0.45% for the first 12 months. Annual interest paying up to

    More info

    1 Year Fixed Rate Bond

    Issue 14, a fixed rate for 1 year paying interest on maturity up to

    More info

    Bonus Access Account

    Issue 8 includes an introductory variable rate bonus of 0.55% for the first 12 months. Annual interest paying up to

    More info

    All interest is paid gross without the deduction of tax. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

    You may only use this website subject to you being entitled to access and use it under the laws of the country in which you are located when you make access. Applications for products and services detailed on this Website may not be accepted from certain jurisdictions due to legal, regulatory or other reasons. In any event all applications are subject to full and satisfactory completion and acceptance.

    Nationwide Building Society is authorised in the UK by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 106078. It has its head office at Nationwide House, Pipers Way, Swindon, SN38 1NW. Nationwide Building Society’s branch in the Isle of Man, trading as Nationwide International, is licensed by the Isle of Man Financial Services Authority. Nationwide Building Society’s principal place of business in the Isle of Man is 5-11 St Georges Street, Douglas, Isle of Man, IM99 1RN.


    Bi-weekly Loan Calculator – Biweekly Payment Savings Calculator #calculate #your #mortgage


    #biweekly mortgage calculator

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    Biweekly vs Monthly Loan Calculator

    Compare Bi-Weekly Savings Versus Monthly Payments

    This calculator will help you to compare the costs between a loan that is paid off on a bi-weekly payment basis and a loan that is paid off on a monthly basis. We also offer a biweekly mortgage calculator .

    Should You Split Your Monthly Payment?

    When you start paying back your loan payments, on longer loans (such as mortgages) the majority of your monthly payments will be interest. The larger your loan balance, the more interest you will pay. As your principle is paid down, your interest payments will decrease, as well, and the ratio of your payments will shift toward paying more principle each month.

    One popular way that some homeowners other borrowers pay down their principle more quickly is to make biweekly payments. Instead of paying one monthly payment, they pay half the payment twice a month.

    How Bi-Weekly Payments Work

    The concept of a twice-monthly payment is a bit misleading. Bi-weekly is not the same as twice a month. There are 52 weeks in the year, which means that on a biweekly payment plan, you would make 26 payments per year. However, there are only 12 months in the year, and if you were making two payments each month, you would only be making 24 payments a year.

    By making payments every other week, you are actually paying an additional loan payment each year. Therefore, if your monthly payment is $1,500 a month, you would pay $18,000 a year with monthly payments. If you made payments every other week, you would end up paying $19,500 for the year.

    Advantages

    The primary advantage of more frequent payments is paying down your principle balance faster, reducing the amount of interest you pay and shaving years off your loan. For example, if you have a 30-year $250,000 mortgage at a 5 percent interest rate, you will pay $1,342.05 per month, not counting property taxes and insurance. You would pay $233,139.46 in interest over the life of the loan making the standard monthly payments. If you switched to a biweekly plan, you would pay only $189,734.44 in interest and will cut four years and nine months off the life of your loan. Depending on the terms of your loan, switching payment frequency could cut your loan by as much as eight years.

    You don’t necessarily have to pay every other week to get the savings. You can just divide your mortgage payment by 12 and add 1/12th the amount to your payment each month. Therefore, if your regular payment is $1,500 a month, you would pay $1,625 each month instead. Some people also use tax refunds, performance bonuses other similar streams to help create a 13th yearly payment.

    Make sure that any additional payments you make will be applied directly to the principle.

    The same sort of benefits which happen on mortgages also apply to other forms of lending. Typically other loans have a shorter duration for interest to accrue, but they also typically come with higher interest rates. Cars depreciate quickly unsecured loans have higher rates of interest to compensate for the risk of non-payment.

    Precautions

    Unfortunately, switching may not be as simple as writing a check every two weeks. If you are already on an automatic payment plan, you will need to find out from your lender if you can cancel or change it. You will then need to find out if your lender will even accept biweekly payments, or if there is a penalty for paying off your loan early.

    Some services offer to set up bi-weekly payments for you. However, these companies may charge you a fee for the service (as much as several hundred Dollars), and they may only make the payment on your behalf once a month (negating any savings).

    Instead, you must make the payment directly to the lender yourself, and you must be sure that it will be applied right away and that the extra will be applied toward your principle.

    As long as you have strong will, it’s better to make the payments directly instead of signing up for an automatic payment plan since it will give you more flexibility in case of lean times.

    Determining Your Savings

    Use the above calculator to determine how much you can save by switching to bi-weekly mortgage payments. You’ll also find out how much more quickly you can pay off your loan. Play with different amounts to see how much you can save by paying more each month.


    Best Chase Checking, Savings Accounts Deals – Coupons #chase #bank #savings #interest #rate


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    Best Chase Checking, Savings Accounts Deals & Coupons

    How to Waive the Monthly Maintenance Fee

    The Chase Savings account is a basic savings account that has a $5 monthly fee, which can be waived by meeting any of this criteria:

    • Maintain a minimum daily balance of $300 or more
    • Have at least one repeating transfer of $25 or more from a Chase personal checking account
    • Are under 18 years of age
    • Link this account to a Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account

    Compare to Other Online Savings Accounts

    Reporting Bonuses on Taxes

    Chase will send a Form 1099-INT at the end of the year that will include the money that you earned from the account bonus. You will have to pay taxes on those bonuses according to your personal tax rate.

    Other Ways to Get Direct Deposits Into a Chase Account

    Getting a direct deposit may be an issue for some people, especially if you don’t want to reroute your direct deposit away from an existing checking account. Or, you don’t have a job that pays via direct deposit.

    Luckily, there are other forms of income that are still considered valid direct deposits. For example, government benefits, earnings from selling on eBay and Amazon and other side income also qualify as direct deposits when deposited electronically to your Chase account.

    To ensure that a direct deposit was posted to your account, set up account alerts to notify you that your direct deposit has arrived.

    Rules on Closing Your Account

    Understandably, Chase offers lucrative sign-up bonuses to attract new customers, who they hope will become loyal and long-term customers. The bank doesn’t want people who are just going to open a new account for the bonus and then leave.

    To combat this behavior, Chase states in the fine print that it will deduct the amount of the bonus if the checking or savings account is closed within 6 months of opening.

    Limits on the Chase Bonuses You Can Get

    In another measure to deter people from opening accounts just for bonuses, Chase also places a limit on one checking account bonus and one savings account bonus per person per calendar year. Your information is saved in their systems and the bank will know if you’ve opened an account before.

    Past Chase Deals & Bonuses

    Advertiser Disclosure: Many of the savings offers and credit cards appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts and credit cards available. Credit score ranges are provided as guidelines only and approval is not guaranteed.

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

    User Generated Content Disclosure: These responses 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.

    2017 MyBankTracker


    Current Interest Rates on Home Loans, Savings, Car loans – CD Rates #best #rate #mortgage


    #mortgage rate charts

    #

    Today’s Interest Rates and Financial Advice:

    Financial Advice

    • 7 ways to measure your financial success

    Just as blood pressure and cholesterol are valuable measures of your physical well-being, we’ve come up with the critical numbers you need to track the state of your financial health.

    September 17th 2016

  • What kind of return can we expect from a 401(k)?

    Something like 5% or 6% a year is reasonable, and long-term returns from 10 big mutual funds often found in 401(k) retirement plans show you could make even more than that.

    September 16th 2016

    • Is now the right time to refinance?

    For most homeowners, the answer is “yes.” By any historical measure, home loans remain incredibly cheap, and it’s possible to land a new, cheaper mortgage even if you have below-average credit and little equity in your home.

    September 16th 2016

  • Selling a car: How to limit your risk

    Selling a car on your own almost always means getting more money for it than if you had traded it in. Use these tips to limit your risk during the sale.

    September 15th 2016

  • 7 big questions your Closing Disclosure can answer

    Borrowers applying for a mortgage after Oct. 3, 2015, get a five-page form designed to make home loans easier to understand before the deal is finalized.

    September 15th 2016

  • Turn your investments over to a robo-adviser

    Websites using the same algorithm-based asset management strategies employed by human financial advisers are the hot new thing in investing. They provide a wide range of automated services at a fraction of the cost.

    September 14th 2016


  • Bank of Clarke County – Personal Checking #bank #of #clarke #county, #bank #of #clark #county,


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    PERSONAL

    1. Personalized wallet checks (quantity and style determined by bank).
    2. Rush delivery (overnight) payment incurs a charge.
    3. Bank of Clarke partners with other financial service providers for this service. Please request additional information from any account officer.
    4. Bank of Clarke partners with other financial service providers for this service. Please request additional information from any account officer.
    5. Eaglelink gives you credit for your total deposits you have with us. If you maintain a total deposit relationship of $4,000 minimum for Eagle Checking or $5,000 minimum for Eagle NOW, Bank of Clarke County will waive minimum balance requirements and monthly service fees. With EagleLink, personalized wallet checks, and cashier’s checks are provided at no cost to the customer. $10/month if total relationship drops below the minimum levels.
    6. $7 if monthly minimum balance drops below $1,000.
    7. $7 if monthly minimum balance drops below $200.

    EAGLEMAX Premium Checking

    Bank of Clarke County’s highest yielding checking account

    EagleMax is a variable rate account which has different Annual Percentage Yields (A.P.Y.’s) depending on the collected balance in the account.

    This account offers:

    A maintenance fee of $15.00 will be charged only if the minimum balance drops below the required $50,000 during a statement cycle. Please call or email Customer Service to obtain the current A.P.Y.’s and complete details of this account.

    Eagle NOW

    Variable rate account which pays interest on the average collected balance in the account

    This account offers:

    This account also qualifies for EAGLELINK.

    A maintenance fee of $7.00 will be charged only if the balance drops below the required $1,000 during a statement cycle. Please call or email Customer Service (bcc_contact.html) to obtain the current A.P.Y.’s and complete details of this account.

    Golden Eagle Checking

    This account is available to our customers 55 years of age and older

    This account offers:

    There is no maintenance fee and no minimum balance requirements. This is not an interest-bearing account.

    Eagle Checking

    This account offers:

    This account does not pay interest and there is a $7.00 maintenance fee if the minimum balance drops below $200 during a statement cycle.

    Student Eagle Checking

    Available to our customers 23 years of age and younger who are full time students

    This account offers:

    There is no maintenance fee and no minimum balance requirements. This is not an interest-bearing account.

    Eagle Free Checking

    This account does not pay interest and there are no minimum balance requirements. The customer will receive a monthly truncated statement (i.e. no check images will be included).