Joint Mortgage

Newt Needs Cain to Hang Around
Gingrich, the known commodity, looks good when the only other contender on the right is the rotting hulk of the Cain campaign, but if Cain is out of the picture a month before the Iowa caucuses, there’s still time for conservatives to reconsider their pick.

World Bank Approves $255 Million Plan for Haiti
The World Bank will spend $255 million to help house Haitians, clean up neighborhoods and send thousands of children to school over the next year under a plan approved Thursday by the agency's board.

Special Report Online: 11/30
How best to handle Iran?

Barney Frank Spinning His Legacy?
Former Bush adviser sets the record straight on Barney Frank's congressional legacy

Barney Frank Won't Have to Worry About Money in Retirement
As a steward of the nation’s purse during the financial crisis Congressman Barney Frank may not have succeeded, but he did quite well personally. Unusually, Mr. Frank’s personal finances sailed right through the downturn. In 2006 he reported assets valued between $525,020 and $1.6 million by 2010 Mr. Franks’ net worth had soared to between $1.9 million and $4.6 million, with nary a down year in between. 

So far a few banks and credit unions have increased their IRA CD offerings.  One, a small community bank in Texas, had a 2.53% APY for 2-years with a one-time bump option.  The rate didn't last long so I won't name them.  However, I might in the future so you may want to stay in touch.   Wink, Wink, nod, nod.  The big player seems to be Alliant Credit Union.  They actually have CD rate specials quite often.  If you are an existing member the process is much faster than trying to become a member and then get a CD done.  So even if you run out of time, I think it would be a good idea to complete their process.  The hardest thing with them is they don't guarantee the rate beyond the current day.  So if you put the IRA process into gear and the rate drops, you're out of luck.  Anyone can become a member by first joining the National PTA.  This is $25,  I believe.  You then can complete the Alliant member application.  Be forewarned that their online process has proven difficult for many in the past.  It asks a series of questions about information it pulls from the credit bureaus and I've known several people that claimed the information was erroneous and thus they couldn't complete it online.  You can always go the route of snail mail if necessary.  Anyway, the current highest IRA CD rates are as follows:1y - 2.30% APY
2Y - 2.55% APY
3Y - 3.00% APY
5Y - 3.25% APY.Their NCUA# is 67955 and they are based in the windy city of Chicago, IL.  They are quite large with over $6 Billion in assets.  As of March 2009 data, they have a 4-star rating.Another big player is Ally Bank, but they don't offer rates for IRA CDs.  People's Trust Federal Credit Union has an 18-month IRA for 2.12% APY.  They are based in Houston, TX.  They have a 2-star rating.  People's NCUA # is 177.  Looks like they have been around for a while.  I did have to make quite a few clicks to get to the rates.  I hate that.  The link below should save you some time.If you're wanting to stick with a bank try Nationwide Bank, FDIC# 34710.  Their process isn't too difficult.  They are about $2.25 Billion in assets, had a nice second quarter profit, and 4.5 stars.  Rates are:1Y - 2.05% APY
2Y - 2.35% APY
3Y - 2.60% APY
5Y - 3.20% APY.

Finding the Best IRA Certificate of Deposit Rates just takes a little searching.