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If you really want to see whether banks will come across with good interest rate deals through the end of the year, pay close attention to third-quarter earnings at big banks like JPMorgan Chase (Stock Quote: JPM) and Bank of America (Stock Quote: BAC).

Those numbers are coming out in a few days and analysts aren’t exactly bullish. Bad loan losses are mounting and regional banks are struggling with asset issues (they were among the biggest lender to commercial real estate investors.)

If the quarterly numbers come in low, some banks may pull back and rein in juicy rate deals. As interest rates are down anyway, the impetus to hike certificate of deposit rates or bank savings rates isn’t strong.

But that hasn’t happened yet. Fortunately, there are some good rate deals out there right now. Let’s take a look.


Home Street Bank has a nice deal going where depositors can open a new checking account and earn up to $215 in cash for the trouble.

Besides free checking, free unlimited ATM usage and free 24-hour telephone banking, you can earn $80 for setting up a direct deposit via a Home Street checking account; $60 for using a check card at least two times, and $40 for using free online bill payment.

You can also earn another $25 for giving your old checks and your old debit card from your last bank to Home Street. Then there’s $10 more for signing up to get free e-statements.

The offer is only good for the bank’s personal checking accounts and you’ll need a minimum $100 deposit to qualify.

Find out more here.


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Do you want to double the national average for a one-year certificate of deposit?

That’s the offer on the table from Amboy Direct, which is offering a 12-month CD (eSavings Time Deposit) with a 2.1% interest rate. That’s twice as much as the 1.04% as measured by the BankingMyWay National CD Rate Tracker.

You’ll need a minimum $100 deposit, but you can keep making deposits during the first six months after the account is opened.

You’ll need to open the account online at

For more details, go here.


Here’s an interesting deal: 10% cash back on gasoline purchases if you open an Accelerator Rewards Platinum Master Card (Stock Symbol: MA) from Citizens Bank (Stock Quote: RBS).

The 10% cash back is only good for the first 90 days, but after that, you still get 3% cash back from Citizens Bank. There’s more good news. The card offers 0% APR for the first six months you own it.

You’ll also earn 1% cash back on any other purchase you make using the Citizens Bank card.

You’ll undergo a credit check when you apply.

Get the full picture here.

—For the best rates on loans, bank accounts and credit cards, enter your ZIP code at