d***y
发帖数: 5325 | 1 开了一个该银行的reward checking account，不直到怎么样。Rate 4.09% APY 1W
limit,超过1W到2.5W的利率是1.59% APY，比很多网上银行的rate高不少，即使在
reward checking里也算比较高的几个之一，就是不知道银行的可靠性有多高。除了
rate外，还有referral的program到Feb 28 2011，被推荐人和推荐人都有50$，如果满
足2个月以上存款条件。具体信息如下(对了钱多的话似乎可以去开Coulee Bank的，利
率是3.03% APY up to 2.5w，网址是http://www.couleebank.net/，是WI州的银行，没有refer program, CCU是IL的credit union)：
Saving是必须一起开的，但没有fee.可用信用卡做initial deposit $1000，算purchus
e，但不要用citi的，他家现在所有机构的都算cash advance.要拿到refer bonus要连续
两个月满足他们checking 的条件才行。另外，refer的时候被ref... 阅读全帖 |
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d***y
发帖数: 5325 | 2 开了一个该银行的reward checking account。Rate 4.09% APY 1W
limit,超过1W到2.5W的利率是1.59% APY，比很多网上银行的rate高不少，即使在
reward checking里也算比较高的几个之一，就是不知道银行的可靠性有多高。除了
rate外，还有referral的program到Feb 28 2011，被推荐人和推荐人都有50$，如果满
足2个月以上存款条件。具体信息如下(对了钱多的话似乎可以去开Coulee Bank的，利
率是3.03% APY up to 2.5w，网址是http://www.couleebank.net/，是WI州的银行，没有refer program, CCU是IL的credit union)：
Saving是必须一起开的，但没有fee.可用信用卡做initial deposit $1000，算purchus
e，但不要用citi的，他家现在所有机构的都算cash advance.要拿到refer bonus要连续
两个月满足他们checking 的条件才行。另外，refer的时候被refer的不需要填... 阅读全帖 |
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a*****n
发帖数: 13835 | 3 【 以下文字转载自 Money 讨论区 】
发信人: canhelp2007 (Ming), 信区: Money
标 题: Exp:6/30/11, 4,09% APY free checking, $50 bonus + $50 for
发信站: BBS 未名空间站 (Tue Nov 30 17:21:32 2010, 美东)
现在延期到6月30号。可惜有1W limit,不过1W到2W5的利率也说得过去。
注：Saving是必须一起开的，但没有fee.可用信用卡做initial deposit $1000，算purchuse，但不要用citi, Amex的，citi他家现在所有机构的都算cash advance.要拿到refer bonus要连续两个月满足他们checking 的条件才行。另外，refer的时候被refer的不需要填写refer code。由refer的人fax/mail refer form到bank就可以，如果不放心可以过几天打电话confirm。refer可以在account开了以后再加也不迟。被我refer的可以发bbs mail询问我如何做12笔消费。
... 阅读全帖 |
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t******d
发帖数: 1410 | 4 http://www.viewpointbank.com/home/personal/checking/absoluteche
In order to earn the highest APY, all of the following are required.
Otherwise you will earn the lowest APY.
1. Receive Direct Deposit or actively use free online bill pay (one payment
per month must be processed)
2. Receive your monthly bank statements and notices on your account
electronically. Statements will be available through Online Banking. (For
security reasons, we require users to log in to Online Banking at least once
eve... 阅读全帖 |
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m*****a
发帖数: 2609 | 5 除了citi signup bonus, AA mile不是很好得到。注意到bankdirect有个account能得
到AA miles，所以分析了一下
http://www.bankdirect.com/products/checkingmileage.aspx
背景:
1. 里程估价：US-China round trip costs 70K AA miles或者$1.2K on average。 因
此我对AA mile的估价是1.7cent/mile (如果你兑换Biz class or first class，这个
数字好看多，但我个人不会用）
2. 利息：monthly 0.1K AA miles/$1k (up to $200K deposit)。这里忽略那些one-
time奖励，因为时间长就average掉了。
核心公式：
The Annual Pecentage Yield
=(X*0.1*12*0.017-144)/X
=2.04%-144/X
"X" is the dollar amount you keep in the account
举例... 阅读全帖 |
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s*****r
发帖数: 4016 | 6 有点类似之前的CCU，不过cap要高不少，大家觉得如何？
3.01% APY for up to $25,000
是FIDC担保的银行
nationwide
First National Bank in Ohio is offering a high-yield reward checking account
that can be opened online from any state. It's nice to have a new
nationwide reward checking account. Hopefully, it'll remain nationally
available. As we have seen many times in the last year, if there's too much
demand for the account, the bank will often reduce availability. One reason
they may see more demand than expected is that the curr... 阅读全帖 |
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p****x
发帖数: 4260 | 8 ☆─────────────────────────────────────☆
pete (请不要逼我灌水) 于 (Thu Aug 7 02:09:40 2008) 提到:
有人用吗？ any comments?
http://www.turbochecking.com/
Charter Bank Introduces TurboChecking
6.01% APY* on balances to $25,000
1.01% APY* on balances above $25,000
.25% APY* if requirements are not met
No ATM Fees Nationwide
Overdraft Privilege
Free Online Bill Pay |
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p****x
发帖数: 4260 | 9 ☆─────────────────────────────────────☆
phynix (饱乐) 于 (Mon Nov 3 12:59:19 2008) 提到:
http://www.turbochecking.com/
Charter Bank Introduces TurboChecking
* 6.01% APY* on balances to $25,000
* 1.01% APY* on balances above $25,000
* .25% APY* if requirements are not met
* No ATM Fees Nationwide
* Overdraft Privilege
* Free Online Bill Pay
NOT an introductory offer! Earn 6.01% Annual Percentage Yield (rate of 5.84%
) on your balances of $0 to $25,000, 1.01% Annual Percen |
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d********f
发帖数: 8289 | 10 为啥我看不到呢？
Share Draft Checking ( Dividend Rate: 0.000%, APY§: 0.000% ) ?
Other Product Interest(s)
Please let us know if you would like to receive information for other
products and services:
Credit Card
Credit Cards ?
FPS
Financial Planning Services ( Dividend Rate: , APY§: )
Home Loans
Mortgage / Equity Loans ?
Loans
Auto Loan ?
InstaCash-Line of Credit ?
Signature/Personal Loan ?
§APY denotes Annual Percentage Yield |
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z****l
发帖数: 5282 | 11 ☆─────────────────────────────────────☆
jinjinid (jinjin) 于 (Sat Nov 5 00:40:56 2005) 提到:
好像这里 ing ed presidential 很热门，
hsbc online saving 的 apy 也很高啊，
为什么大家那么少讨论它，有什么trick吗？
☆─────────────────────────────────────☆
prospect (好好想想) 于 (Sat Nov 5 00:41:20 2005) 提到:
这不刚出炉了FAQ么.
好像这里 ing ed presidential 很热门，
hsbc online saving 的 apy 也很高啊，
为什么大家那么少讨论它，有什么trick吗？
☆─────────────────────────────────────☆
enright (enright) 于 (Sat Nov 5 00:43:16 2005) 提到:
There are dozens of bank with hig |
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j********i
发帖数: 143 | 12 Although the APY has been the same for the past 2.5 years, we have been
notified that on October 4, 2010 the rate will be dropping to 3.01% APY and
2.97% interest rate.
From Danversbank's email
看来没有活路了! |
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t******d
发帖数: 1410 | 13 the same rewarding checking I have is 3.30% APY. It seems that no more 5%
APY reward checking soon |
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c*********7
发帖数: 19373 | 14 copy from ft。看着不错，可以有1W limit,不过1W到2W5的利率也说得过去。
4,09% APY free checking, $50 bonus + $50 for a friend
Consumer Credit Union
offers $50 for referring a friend to their interest checking account + gives
your friend $50 too!
Account not bad at all either: 4,09% APY up to $10,000, no fees
P.S. Redirect doesn't work perfectly at this moment (appears to be server
issue)
P.P.S. As not a current customer, I myself thinking how to use this referral
offer. Please, post your ideas.
http://www.fatwallet.com... 阅读全帖 |
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w*********s
发帖数: 46 | 15 同求refer， f*******[email protected]
Thx.
copy from ft。看着不错，可以有1W limit,不过1W到2W5的利率也说得过去。
4,09% APY free checking, $50 bonus + $50 for a friend
Consumer Credit Union
offers $50 for referring a friend to their interest checking account + gives
your friend $50 too!
Account not bad at all either: 4,09% APY up to $10,000, no fees
P.S. Redirect doesn't work perfectly at this moment (appears to be server
issue)
P.P.S. As not a current customer, I myself thinking how to use this referral
offer. Please, post y... 阅读全帖 |
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s********r
发帖数: 297 | 16 大家好，小弟手上有5万刀的血汗老本存款，用free checking存着APY太低了，麻烦大
家给推荐一个APY 高点的 FDIC会员的saving或checking account。谢谢大家了。 |
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s*****r
发帖数: 4016 | 17 其实这个 3.01%APY有点类似danversbank，不过他家用的是master card。
而且最近有传闻说要被收购，可能不会继续保持这么高的APY了。 |
|
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D*C
发帖数: 215 | 19 前两天看到版上有人提到这个，就研究了一下，希望有经验的同志分享信息。
1. Fees：
https://www.mangomoney.com/simple-fees#savings
Debit Card：$5/month；waived if you loaded $500 in the prior 30 day cycle
excluding card-to-card transfers.
Savings Account：free
由于这个帐号只适合于薅一些interests，所以其他的fees应该都是不必要的。
2. APY
前$5000 6%，超出部分0.1%
6%需要有Direct Deposit Service，否则是2%
Direct Deposit Service定义：You qualify as enrolling in Direct Deposit
Service when you complete two Direct Deposits totaling $50.00 within 90 days
of opening your account. Your accou... 阅读全帖 |
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D*C
发帖数: 215 | 20 前两天看到版上有人提到这个，就研究了一下，希望有经验的同志分享信息。
1. Fees：
https://www.mangomoney.com/simple-fees#savings
Debit Card：$5/month；waived if you loaded $500 in the prior 30 day cycle
excluding card-to-card transfers.
Savings Account：free
由于这个帐号只适合于薅一些interests，所以其他的fees应该都是不必要的。
2. APY
前$5000 6%，超出部分0.1%
6%需要有Direct Deposit Service，否则是2%
Direct Deposit Service定义：You qualify as enrolling in Direct Deposit
Service when you complete two Direct Deposits totaling $50.00 within 90 days
of opening your account. Your accou... 阅读全帖 |
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a********4
发帖数: 459 | 21 由于继brinks 和 netspend 之后 连续开了westunion 和 ace elite， 后面两个账户
被block
打客服被transfer 到更高一级的部门 。被告知一个人只能开3个账户，于是让她删了
westunion 并解锁ace elite ，
临了（我也没主动问她）被告知所有账户的saving 只能有一个能有 high interest.
想了想自己netspend 和brinks 在第二季度都收到了正常5%apy interest ，所以觉得
这个csr 在唬人。于是还是让她保留了ace elite。
但是还是想给大家提个醒： 这也可能成为netspend 系列账户赖账的理由。
想问问板上开了netspend系列 3个账户或以上的大神是否所有账户都收到了$5000 5%
apy? |
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n*******c
发帖数: 1100 | 22 头1万5%apy之后0.01（要求也不算难）
cc funding 100
fdic
考古之后看起来nra/ra申请也不是问题，只是不知道这个apy能维持多久
链接2楼 |
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n*******c
发帖数: 1100 | 23 头1万5%apy之后0.01（要求也不算难）
cc funding 100
fdic
考古之后看起来nra/ra申请也不是问题，只是不知道这个apy能维持多久
链接2楼 |
|
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p******x
发帖数: 691 | 25 What is the difference between APR and APY?
For loans or investments that involve compounding interest, there are two
popular interest rate related terms. Annual Percentage Rate, or APR, is a
measure of how much interest will be on an annual basis without taking into
account compound interest. Annual Percentage Yield, or APY, is the same
measure of interest rate, but accounting for compound interest - a better
measure of how much you will pay in interest. Banks and credit card issuers
often expr |
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f**********r
发帖数: 18251 | 26 【 以下文字转载自 Chemistry 讨论区 】
发信人: crazyman (嘉天之锡), 信区: Chemistry
标 题: 小护士资金链断裂，雪天裸体跪求3% APY的小额贷款。。。。
发信站: BBS 未名空间站 (Sat Jan 15 16:48:41 2011, 美东)
【 以下文字转载自 Crazymanfans 俱乐部 】
发信人: supertech (一起上炕), 信区: Crazymanfans
标 题: 小护士资金链断裂，雪天裸体跪求3% APY的小额贷款。。。。
发信站: BBS 未名空间站 (Sat Jan 15 16:43:53 2011, 美东)
3千也行，5千也可。上万的我也借。。。 |
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w*********r
发帖数: 42116 | 27 保险公司给我来了封信，让我去存钱，APY 2.25%。 |
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a******9
发帖数: 20431 | 28 保险公司还能存钱？
：保险公司给我来了封信，让我去存钱，APY 2.25%。 |
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K****D
发帖数: 30533 | 29 Overall: -38.89%
S&P 500: -38.49%
Trading: -38.40%
Remarks:
1) 3rd consecutive year to be beaten by S&P. So consistent. Wow!
2) Both overall and trading APY finished so near to S&P, interesting.
(Although there is 2-3% dividend from S&P, but my goal has always
been the NAV S&P values.)
3) 2008 is the first year that I finished tracking yield on EVERY SINGLE
trading day. I believe this gives me a way to evaluate my performance,
as well as the effect of different strategies.
4) My trading account |
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a*****r
发帖数: 26 | 30 奇怪，明明profit是负数，怎么APY是0％呢？应该也是负数才对呀。
请帮我分析下可能的计算错误在哪里吧。谢谢。 |
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K****D
发帖数: 30533 | 31 Agreed, it often means the APY is too negative and XIRR couldn't converge,
hehe. |
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K****D
发帖数: 30533 | 32 APY: 23.73%
Beat S&P 500 by 0.28% -- the first time above S&P in the past 4
years.
Similar to 2008, I completed 2009 with almost identical number
with S&P (I lost to index by 0.4% last year), the only difference
is that luck is on my side this time.
I had a dream run in the last week and the losing game suddenly
turned 180 degree. I did nothing, but my portfolio held on
very well. With the help of a little bit dividend that I didn't
update into my numbers, I finished the last week +3% while the |
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s**********n
发帖数: 868 | 33 APY: 24.3%
I won the last day and won the year, haha:) |
|
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d**********2
发帖数: 16 | 35 Max ＝ 25k with APY 3.05% for only 5 months, that translates to about $300
interest earned.
Source:
https://www.depositaccounts.com/banks/usalliance-financial.html
Anyone has experience dealing with this bank before? What about the credit,
service, accessibility or hidden trick of this bank?
Thanks. |
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z****l
发帖数: 5282 | 36 For general information and branch location, please go to
Website: http://www.middlesexbank.com/
Minimum balance to open: $250
All savings deposits are insured. FDIC insures $100000,
DIF insures the excess amount.
accepts MA deposits only
5.25% APY may be offered after 3/21.
CD terms from 3 months to 71 months.
Interest may be withdrawn without penalty.
Early withdrawal penalty:
1 year or longer term, 180 days interest,
shorter than 1 year, 90 days interest. |
|
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x****g
发帖数: 325 | 38 刚刚收到他们的email
FNBO 9月 28号之后的利率是5.05 APY |
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p****x
发帖数: 4260 | 39 ☆─────────────────────────────────────☆
passwd (当回rib妹) 于 (Fri Oct 17 22:14:34 2008) 提到:
第一个，现在存CD还可靠吗？在这个大环境下？
第二个，CD的APY和interest rate有什么区别？有联系吗？
谢谢。
☆─────────────────────────────────────☆
SONYYY (So, what's up?) 于 (Fri Oct 17 22:15:15 2008) 提到:
放床底下吧，可靠的很
☆─────────────────────────────────────☆
passwd (当回rib妹) 于 (Fri Oct 17 22:16:26 2008) 提到:
不觉得，有老鼠。。。
☆─────────────────────────────────────☆
SONYYY (So, what's up?) 于 (Fri Oct 17 22:17:53 2008) 提到:
当然是换成黄金放了。。。
顺便把地址发给我 |
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w***z
发帖数: 1848 | 40 【 以下文字转载自 Investment 讨论区 】
发信人: windz (风子), 信区: Investment
标 题: BOA有个3.35 APY的一年CD
发信站: BBS 未名空间站 (Sun Nov 23 15:49:46 2008)
这个deal怎么样？钱不太敢放股市了，打算放点在CD。 |
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a*****s
发帖数: 3643 | 41 4%的APY只对$25K有效，多了就是1%。如果我存了$30K，那4% apply to $25K, 1% to $
5K呢，还是1% to total $30K？ |
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s*****n
发帖数: 2174 | 42 APY 是复利, 如果月息是 x,
(1+x)^12 = 1.015
也就是月息 0.124% |
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e***c
发帖数: 1858 | 43 TNND，一个月前还1.25%呢，把我吸引过去了，现在都1.10%了
有没有其他比较好的rewards checking或者savings推荐啊？APY稍高一点，存款政策要
灵活一点的 |
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k******e
发帖数: 720 | 44 美元天天贬值，现在有什么信用卡，0%APY和0 transfer fee的deal么
谢谢啊.... |
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j********i
发帖数: 143 | 45 关键是现在saving的APY太低了, 有什么好的saving可以推荐一下吗?谢谢!!! |
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j*e
发帖数: 1987 | 46 Rewards Checking减成本的方法主要是两个：1.降息，2.从全国性改成地域性。我以前
搞的一个Southern Missouri Bank，它全国性的时候申的，后来改成地域性后，非地域
内的老客户它不要求关掉，所以我一直他家的5% APY keep到现在.
现在这家也不排除将来会改成地域性，趁现在机会抓住一个是一个。 |
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j****n
发帖数: 1346 | 47 同求refer，j*******[email protected]
Thanks.
purchuse，但不要用citi的，他家现在所有机构的都算cash advance.要拿到refer
bonus要连续两个月满足他们checking 的条件才行。另外，refer的时候被refer的不需
要填写refer code。由refer的人fax/mail refer form到bank就可以，如果不放心可以
过几天打电话confirm。refer可以在account开了以后再加也不迟。
gives
Free Rewards Checking account. This progressive account pays you an AMAZING
4.09% Annual Percent Yield (APY) interest on balances up to $10,000. And
don’t worry about paying ATM fees or any administrative fees. There are
none! Plus, Consumers Credit Union co... 阅读全帖 |
|
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j*e
发帖数: 1987 | 49 才拿了1个月4%。靠。4% APY的越来越少了。NY那个要15笔消费，又有hard，又只有2万
，不大想搞。 |
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M*****c
发帖数: 2753 | 50 最近高APY的checking saving 都降了。。。 |
|
