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ING Direct raised the yield on many terms of its Orange CDs

Posted on September 30th, 2008 in Top Bank Deals by SuFu
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ING Direct raised the yield on many terms of its Orange CDs today. But the 18-month yield fell from 4.50% to 4.25% APY. To get the 4.50% yield now requires the 24-month term. Below is the full list of the old and new yields.

ING Direct Old and New CD yields as of 9/30/08Term        Old APY     New APY

 6 month      3.75%     3.75%

 9 month      3.75%     3.75%

12 month      4.00%     4.25%

18 month      4.50%     4.25%

24 month      4.00%     4.50%

30 month      4.00%     4.25%

36 month      4.00%     4.25%

48 month      4.00%     4.25%

60 month      4.25%     4.50%

ING Direct also increased the rates for the top tiers of its Electric Orange Checking Account. The yields for the $50K and $100K tiers were raised by 10 basis points to 3.30% APY and 3.50% APY. The bottom tier yield remains at 1.75% APY.

ING Direct’s bank deposit products are FDIC insured (FDIC Certificate # 35489)

If you’d like to earn a $25 bonus by using my referral link, please send me an email to sufu@creditandbankdeals.com along with your first and last name and email address.

MY PERSONAL CREDIT CARDS & BANK ACCOUNTS

Posted on September 24th, 2008 in Top Bank Deals, Top Credit Cards by SuFu
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Here is a list of the credit cards and bank accounts that I still actively use for my finances. I have many other cards and accounts, but they mainly serve as secondary purposes. A big part of the reason why I have so many credit cards is because I take part in the App-O-Rama game. If you don’t already know what that is you can just do a google search and you’ll get a ton of information on it. But to give a quick rundown, its basically using 0% Balance Transfer offers in order to put money into an interest earning savings account. Offers are usually up to a year, so within that year you are accumulating interest on that money without dealing with any risk (if you know what you’re doing). After the offer year is up, you just pay off the card balances with the money that you put into your savings accounts. Check out my accounts below:

CREDIT CARD/BANK NAME

ISSUER

USAGE

Platinum BusinessCard with Unlimited Rewards

Advanta

Credit Limit: $12,500 This card was used in my App-O-Rama. $11,500 was transferred to my savings account using the 0% Balance Transfer offer for a full 15 months. I was able to call Advanta to get the balance transfer fee waived. This is my only Advanta card, so I did not need to reallocate credit lines for this balance.

SimplyCash® Business Card from American Express

American Express

Credit Limit: $6,000 I use this card for all my business purchases. You get 5% cash back on gas, office supplies and wireless bills; and 1% on all other purchases. You also get cash back at variable rates on other business purchases (like at Fedex Kinkos, Hertz car rentals, etc). The card also gave me 0% on purchases for a full 12 months so I only paid my minimum balance each month so that I was able to keep more money in my savings account for that full year.

Chase Freedom(SM) Credit Card

Chase

Credit Limit: $3,000 I use this card for all of my personal purchases excluding gas. It gives you 3% cash back on your top 3 category purchases for any given month, and 1% on all other purchases. This card also gives you a bonus $50 cash back after your first purchase with the card.

Chase Flexible Rewards(SM) Platinum Visa®

Chase

Credit Limit: $32,000 This card was used in my App-O-Rama $30,000 was transferred to my savings account using the 0% Balance Transfer offer for a full 12 months. I did have to pay a $75 balance transfer fee, but this was worth it to put the $30,000 in the interest earning savings account. The credit lines from my other Chase cards were reallocated into this card for such a high credit limit.

Discover® Open Road(SM) Card

Discover

Credit Limit: $3,000. I only use this card for purchasing gas as it gives a full 5% cash back on gas wherever Discover I accepted, and I haven’t had an occurrence where it wasn’t accepted.

BOA Financial Rewards® Platinum Plus®

Bank of America

Credit Limit: $31,200 This card was used in my App-O-Rama $30,000 was transferred to my savings account using the 0% Balance Transfer offer for 6 months. I picked a 6 month offer because this offer did not have a balance transfer fee.

Discover Business Card


Discover

 Credit Limit: $18,800 This card was used in my App-O-Rama $18,000 was transferred to my savings account using the 0% Balance Transfer offer for 12 months. I did have to pay a $50 balance transfer fee on this offer though.

Washing Mutual Online Savings Account


*Unfortunately, this

deal can no longer

be had due to Wamu’s downfall

Washington Mutual

Balance for App-O-Rama: $89,500 from Balance Transfers + personal balance from savings = $114,000. Interest rates for this online savings account have fluctuated from 3.3% up to the current 4.0%. As of this writing on this 24th day of September, 2008 I have accumulated $1,524 in interest paid this year.

*Note* Deals/Offers on credit cards are always changing routinely, so keep up to date with the best 0% Balance Transfer offers through my site.

Earn Up To $50 In Bonus Cash For Signing Up Through Lending Club

Posted on February 28th, 2008 in Top Bank Deals by SuFu
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Here’s an interesting opportunity. Basically, Lending Club is a social lending network where members can borrow and lend money among themselves at better rates. You can visit the site for more information on how things work.

Now, to get down to the bottom line. There is a referral opportunity with a cash bonus for both the referrer and the referred. Quoted from Lending Club:
“When you refer friends to Lending Club and they become borrowers or lenders, we will deposit a bonus into each of your Lending Club accounts. You will each earn:

  • $25 when your friend becomes a lender or borrower OR
  • $50 when your friend opens a lender account with an initial deposit of $1,000 or more

As more good people join, the whole Lending Club community will benefit.”

So, you can open an account for free and deposit as little as $1 to earn $25 in Bonus Cash. Or, you can deposit $1000 into your Lending Club account as available money (note: the funds are NOT available to the lending community until you decide they are) and earn $50 in bonus cash.

I personally have successfully opened a free account and deposited $1000 in funds to receive my $50 bonus cash. After my account was verified with a few cents being withdraw from my checking account and deposited into my lending club account, $25 in bonus cash was credited to my account. A few days after, another $25 was credited to my account. If that second $25 bonus doesn’t show up soon after the initial $25 bonus, you can send an email to support and they will add the credit soon after as they did for me.

After you receive your bonus you can decide on whether or not to withdraw all your funds back into your checking account immediately with no consequences, or you can decide to contribute to the Lending Club community and earn some interest money by lending your funds. I chose the former option, but its up to you to decide what to do with your money :)

If you would like to be referred for the bonus cash opportunity, please send me an email at creditandbankdeals@gmail.com and provide your email address for a referral email. You can then also refer your friends for more bonus cash!