United States Banking Rates strives to answer your biggest financial questions. Whether youve just moved to United States, you dream to own your own home, or save for the future with CDs and investments, we can help you find the right United States bank rates. Some rates include:
- United States mortgage refinance rates
- United States CD rates and savings account rates
- More bank rate information available from US Banking Rates
Our Featured US Bank Rate
Banking Rates recommends the rates that FNBO Direct has to offer. FNBO Direct is an online bank, making it easy to save more from anywhere, including . The current savings account rate at FNBO Direct is 1.25%, which is in the top 5% of all savings accounts. Earn interest 5x faster than traditional savings accounts.
For inquiries contact:FNBO Direct
P.O. Box 3707
Omaha, NE 68103-0707
24 hours a day
7 days a week
More US Banks
900 S. Utah
Idaho Falls, ID, 83402
Hb Telco Credit Union
375 Third Street Sw
Huron, SD, 57350
495 East Kemper Road
Cincinnati, OH, 45246
HSBC Bank USA National Association
1718 Montauk Highway
Mastic, NY, 11950
First NBC Bank
740 Brownswitch Road
Slidell, LA, 70458
800 Sw 152nd St
Burien, WA, 98166
Treasury Secretary Timothy Geithner is in active negotiations with the biggest banks in the country to settle the foreclosure mess that has dragged down the entire country for the past 3 years. Other parts of the world were also impacted in the increasingly global economy, where foreign investors who bet on housing lost out big. Geithner and the banks know that there are a huge number of lawsuits in the pipeline awaiting the financial lenders, and a broad settlement is likely the best way to avoid them. Such a coordinated effort will require much time and skill, but a sweeping settlement and reform is the best way to quickly heal the housing market.
The ailing economy, high unemployment and massive foreclosure rates can largely be blamed on one thing – the failure to regulate bank mortgage activities and a lack of transparency in mortgage related investment products like CDO’s. Former FDIC chairman Bill Isaac believes regulators passed on a great opportunity to really reform the banking system and how banks are allowed to operate in relation to mortgages. As such, he sees another crisis as imminent as the conditions that led up to the worst economic situations since the Great Depression are all still in play.
The stock market has enjoyed 2 years of strong gains thanks to an impressive bull market, but will it continue in 2011? Experts are once again split down the middle as to whether the stock market still represents valuable investment this year. Retail investors have only been pumping money into stocks since December, meaning most of the growth was from mutual funds and other companies that invested. Many retail investors actually sold stocks during the bull market run and are now heading back in. Your strategy for maximizing investment earnings this year will have much to do with whether you invested in 2008, 2009 or are only thinking about it right now.
Underwater mortgages, or mortgages where home values are less than the amount owed on the loan, are on the rise again across the U.S. While many people would like to sell their homes, some mortgage lenders are taking longer than necessary in the foreclosure process. Other homeowners are simply mailing in the keys and walking away. Underwater mortgages usually lead to foreclosure, which isn’t good for the economy or lenders. In fact, most lenders will have to write off the loss for the original amount the home sold for on their balance sheets, which hurts their profitability.
If you’re wondering how your neighbors are spending, you don’t have to – they’re taking out new auto loans and buying cars. This is helping consumer borrowing in general, but still isn’t a sign of recovery in consumer spending. Much of the recovery expected to occur this year and next is dependent on the ability of consumers to borrow and buy, in turn stimulating the economy. Borrowing in the auto loan category rose 6.9%, but credit card usage dropped from December to January by 6.4%. Put simply, consumers are still sending a mixed signal. During boom times, consumers borrowing and credit should show signs of growth month over a month. Businesses use these reports when deciding whether or not it’s a good time to expand and grow, which in turn promotes more hiring to complete the growth cycle. This clearly is not the case at the moment, but it seems to be a good sign for the economy nonetheless.
The U.S. government today released an unemployment report with many positive signs for a recovering labor market, including a rise in payrolls of 192,000 – the unemployment rate now stands at 8.9%. While an economic recovery is something everyone wishes for, there could be a negative impact on interest rates for auto loans or mortgages. The Fed introduced about $600 billion into the money supply via Quantitative Easing II, and in order to control inflation, they would have to raise interest rates and allow the money to contract once more. This means that while you may now find employment since being unemployed, the interest rates on consumer goods like cars will also rise alongside it.
Mortgage rates have dropped for a 3rd consecutive week as inflation and double dip fears affect the housing market. Already 5 years have passed since the housing peak in 2006, and yet housing is still in trouble. In fact, Yale economist and founder of the Case-Schiller Index noted recently that there was a “substantial risk” of home prices dropping another 15-25%. That doesn’t sound all that positive for real estate purchases this year.
As tensions in the Middle East rise after political uprisings in Egypt, Tunisia and now Libya, many Americans are beginning to understand the effects of global politics on our local economies. If a revolt were to take place in an oil producing country, oil production would drop dramatically or simply halt altogether while the country sorts itself out. Nations largely dependent on importing oil for daily operations, like the United States, would immediately feel the impact of such an event. Gas prices at the pump would skyrocket as the price of a barrel of oil would easily shoot past the $100/barrel mark it’s at currently.
US Banking Rates is a free resource for consumers to help them find the right Rates that best suit their needs. US Banking Rates works with thousands of Banks, Lenders, Mortgage Companies, Credit Card Companies and other financial institutions to bring you the most up-to-date interest rates, savings rates and loan rates.
You have worked hard to save your money, now it’s time to make your money work hard for you. Investing your money is the easiest way to make your net worth grow, even while you sleep. Depending on the amount of funds you have to invest and your investment goals, you will want to research the different options carefully.