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VERIBANC® provides safe and sound bank ratings on all U.S. federally insured financial institutions in "plain English". Detailed research and risk analysis are also available. For over 25 years, our bank rating system has helped consumers, business people, and government offices manage banking risk and protect their deposits and investments against bank failure and fraud.
Since our inception we have maintained our zero tolerance for bias, no Bank, Thrift, or Credit Union has ever paid us to rate them. We have never accepted advertising or referral fees. You can be assured that you are getting the best information with VERIBANC's guarantee: there is no potential for conflict of interest.
Safety Ratings Are Available For |
The Quarter Ending December 31, 2007 |
Institution Type |
Effective Date |
Commercial and Savings Banks |
March 6, 2008 |
Credit Unions |
February 22, 2008 |
Savings Associations (Thrifts) |
February 20, 2008 |
Our CD Rate Analyzing Service is now available.
Click here for details.
HIGHEST STANDARD CD RATES as of
Thursday, May 08, 2008
| Highest A.P.Y.'s |
Maturities (Terms) in Months |
| 3 |
6 |
9 |
12 |
18 |
24 |
30 |
36 |
48 |
60 |
National
|
4.60 |
5.25 |
5.35 |
5.50 |
5.40 |
5.61 |
5.05 |
5.80 |
5.90 |
6.33 |
| AOOSD†
|
3.52 |
3.75 |
3.55 |
4.10 |
4.18 |
4.25 |
3.80 |
4.50 |
4.50 |
4.60 |
| Blue Ribbon*
|
4.60 |
3.84 |
3.67 |
3.95 |
4.18 |
4.18 |
3.90 |
4.18 |
4.25 |
4.50 |
| † AOOSD - Accept Out-Of-State Deposits |
* Blue Ribbon Banks - Have a rating of Green with Three Stars and have met
an additional 20 very stringent criteria. |
The B.E.S.T. Banking Investment
Balanced - our rating system blends predictability of bank failure with bank ratings degradation. This balance provides our clients with added value that actually tracks the performance of the banking industry. Click here to see why balance is important.
Effective - VERIBANC's ROR (Return On Ratings) is over 99 percent. We are able to detect banking problems with a high degree of reliability. Click here to see our track record.
Seasoned - over the past twenty-five years (through the difficult and the good times of the banking industry) our rating system has been tested. Our system's performance has produced remarkably consistent results.
Transparent - we are the only bank rating company that has always published our track record. Because of our transparency, several insurance companies have audited and approved its use for insuring deposits in excess of the FDIC's $100,000 limit.
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