Online Bank Rate Update: November 1, 2007

Bank Rate Specials [CDs, money markets, checking, and savings]

10.00% APY from Wauwatosa Savings Bank on the first $1,000 of a new checking account balance. Rate guaranteed until April 1, 2008

10.00% APY from Affinity Bank on their savings account for kids only (applies to balances up to $500 and only California residents are eligible).

6.25% APY from North Middlesex Savings Bank on balances up to $100,000 on their checking account when requirements [12 posted debit card transactions, (excluding ATMs), receive account statement electronically (when available); access online banking once and receive a recurring direct deposit] are met.

6.25% APY from Cumberland County Bank on their FREE reward checking account. The account has no minimum balances and no fees, but to earn the 6.25% yield customers must monthly have 10 check card transactions, one direct deposit/ACH debit, and receive e-statements. Branch visit in Tennessee required.

6.25% APY from Bank of Putnam County on their E-Rate checking account. E-Rate requirements per month: 10 check card transactions, receive e-statement, one direct deposit or ACH auto debit and access internet banking. If you meet these conditions during the qualification cycle, you will earn 6.25% APY on your balance up to $50,000 and 1.01% APY on the portion of your balance over $50,000. If you do not meet the above requirments, you will earn 0.25% APY. APY accurate as of 8-13-07. Requires branch visit in Tennessee.

6.01% APY from Everbank on their introductory offer checking account. ($1,500 minimum)

6.01% APY from Clinton Savings Bank on their Total Access checking account for balances between $1 and $49,999. Minimum opening balance is $10.

6.01% APY from First Banking Center in Wisconsin on a Rewards checking account for balances up to $25,000. Requirements to earn 6.01% APY include making at least 10 Check-Mate Card purchases (excluding ATM transctions, receive a monthly electronic statement, and one direct deposit or ACH auto debit per month. $1 minimum opening deposit.

6.01% APY from First Clover Leaf Bank on their free Gold Leaf Checking account if qualifications met including 10 debit card transaction per statement cycle, one direct deposit or ACH auto debit, three online bill payments, and electronic delivery of statements.

6.00% APY from Commercial Bank of Texas on their 6-year CD for customers who open a Star or Premier checking account. ($5,000 minimum to open CD, $700 in the Star Checking account or $1,000 in the Premier checking account required to avoid fees)

6.00% APY from MidFirst Bank on their 7-year Callable CD. Bank has option to call, but the CD is non-callable for 1 year. Requires branch visit in Arizona.

6.00% APY from Liberty Pointe Bank on their 12-month CDs purchased at their grand opening of their Brookly, New York branch office on November 4th. Requires opening a checking account with direct deposit to receive the 6.00% APY. ($50,000 maxmimum)

5.70% APY from Countrywide Bank on their 1-year CD for California residents. Call 1-866-885-5693 for details. ($10,000 minimum)

5.65% APY from IndyMac Bank on their 4-month CD. ($5,000 minimum)

5.60% APY from First National Bank on balances up to $25,000 in their Ultimate Checking account. ACH/Direct deposit and 15 monthly VISA check card transactions required.

5.60% APY from Towne Bank Arizona on their 6-month and 1-year CDs. Arizona residents only. ($10,000 minimum)

5.50% APY from B&L Bank on their 18-month and 19-month CDs. Mid-Missouri residents only. ($500 minimum)

5.50% APY from IndyMac Bank on their 9-month CD. ($5,000 minimum)

5.50% APY from T Bank on their 1-year CD. ($1,000 minimum)

5.50% APY from Bank of Illinois on VIP Elite Checking account for balances up to $25,000. Requirements to qualify include 10 or more check card transactions a month, one direct deposit a month , and an electronic delivery of statements.

5.45% APY from Countrywide Bank on their 9-month CD. ($10,000 minimum)

5.35% APY from Eastern Savings Bank on their 5-year CD term. Maryland residents only. ($95,000 minimum)

5.35% APY from Equity Bank on their 7-month CD. ($1,000 minimum)

5.25% APY from IndyMac Bank on their 5-month CD. ($5,000 minimum)

5.25% APY from Principal Bank on their 14-month CD term. ($1,000 minimum)

5.25% APY from TransCapital Bank on their 3-year, 4-year, and 5-year CDs. Branch visit in Florida required.

5.24% APY from Gloucester County Federal Savings Bank on savings accounts balances of $100,000 and over. 90-day rate guarantee.

5.20% APY from Capital One Bank for Costco members on the Capital One money market account (20 basis points higher than the basic money market yield). Costco Executive Members receive a $50 bonus when they opne their first money market account with a minimum of $5,000 within the first 30 days. More.

5.15% APY from LaSalle Bank on their 5-month Manager’s special CD. $10,000 minimum deposit.

5.05% APY on savings account at E*Trade Bank which can be linked to your brokerage account ($1 minimum, no fees)

5.05% APY from FNBO Direct on their online savings account (no minimum balance).

4.90% APY from ING Direct on their ING Direct Electric Orange checking account with tiered yields of 4.90% (+$100,000), 4.75% ($50,000-$99,999), and 3.25% ($0-$49,999). This checking account from ING Direct is paperless with ING providing a platform to send money to any person or business via electric checks