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Saturday, September 4, 2004

Rate Report



The Enquirer

The following is a sample of the highest rates available at Greater Cincinnati banks, and savings and loans.

Information was provided by each institution as of Sept. 2, and is subject to change. Minimum deposits are $1,000, except where noted. Enquirer research by Shirley Dees.

6-month certificate of deposit

InstitutionYield
CenterBank ($500)2.15%
Greater Cincinnati C.U. ($500)2.07%
Eagle Savings Bank2.05%
Columbia Savings Bank ($2,500)2.05%
Peoples Community Bank2.00%
Cottage Savings ($500)2.00%
Anderson Bank ($500)2.00%
Foundation Bank1.86%
Spring Valley Bank 1.85%
Cincinnatus S&L1.50%
Franklin Savings ($500)1.50%
Cincinnati Federal S&L 1.30%
Oak Hill Banks 1.25%
Winton S&L ($500)1.25%
1st National Bank1.15%
AdvantageBank ($500)0.90%

1-year certificate of deposit

InstitutionYield
CenterBank ($500)2.55%
Peoples Community Bank2.50%
Eagle Savings Bank2.50%
Greater Cincinnati C.U. ($500)2.32%
Foundation Bank ($500)2.30%
Columbia Savings Bank ($2,500)2.28%
Cottage Savings ($500)2.25%
Spring Valley Bank2.05%
Franklin Savings ($500)2.00%
Cincinnatus S&L2.00%
Winton S&L ($500)1.75%
1st National Bank1.50%
Oak Hill Banks1.50%
Anderson Bank ($500)1.50%
AdvantageBank ($500)1.50%
Cincinnati Federal S&L1.50%

2-year certificate of deposit

InstitutionYield
CenterBank ($500)3.30%
Peoples Community Bank3.25%
Greater Cincinnati C.U. ($500)3.03%
Foundation Bank ($500)3.01%
Spring Valley Bank2.95%
Eagle Savings Bank2.95%
1st National Bank2.85%
Cincinnatus S&L2.75%
Cottage Savings ($500)2.75%
Cincinnati Federal S&L2.75%
Franklin Savings ($500)2.63%
Columbia Savings Bank ($500)2.55%
Oak Hill Banks2.25%
Winton S&L ($500)2.25%
AdvantageBank ($500)2.25%
Anderson Bank ($500)2.00%

5-year certificate of deposit

InstitutionYield
Greater Cincinnati C.U. ($500)4.57%
Peoples Community Bank4.50%
1st National Bank4.50%
Foundation Bank ($500)4.26%
CenterBank ($500)4.25%
Franklin Savings ($500)4.25%
Eagle Savings Bank4.25%
Cincinnati Federal S&L4.25%
AdvantageBank ($500)4.05%
Cottage Savings ($500) 3.85%
Columbia Savings Bank ($500)3.65%
Winton S&L ($500)3.50%
Oak Hill Banks3.35%




MONEY
Changes in check-processing lie ahead
What is Check 21?
Deal with universal life policy prudently
Best-performing mutual funds
Rate Report
High bank yields

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