-
Financial Rates:
2.0
-
Customer Service:
5.0
-
Website Experience:
4.0
-
Bank Fees:
4.0
Pros:
- Low opening required balances
- Some CDs offer competitive rates
- Variety of different types of accounts
- Business accounts are available
Cons:
- Cannot open all accounts online
- Most account rates are not competitive
- Accounts have monthly fees
- Branch locations only in New York
-
Financial Rates:
3.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
Bank Fees:
3.0
Pros:
- Competitive interest rates on accounts
- Variety of accounts offered
- Low opening required amounts
- Only one account has a monthly fee
Cons:
- Must join credit union to open accounts
- Accounts have tiered interest rates
- Cannot open all accounts online
- High yield checking has requirements
Most Dime accounts have a low required opening amount. All the checking accounts only require $25 to open. The money market account requires $1,000, and CDs require $500. The club savings accounts only require $5 to open.
Some Dime CD terms offer competitive interest rates. The rates with the most competitive terms are the 4, 24, 36, 48, and 80-month CDs. The rates for these accounts are competitive with other online CDs. Dime CDs can be opened in a branch location.
Dime offers a variety of personal accounts. The accounts include:
- Statement savings account
- Student savings account
- Money market savings account
- Club savings accounts
- Personal checking
- Fabulous 50 Interest checking
- Direct Interest checking
- Prime Dime Interest checking
- CDs from three months to 84-months
- Retirement accounts
- Personal mortgage and lending options
Dime offers many business accounts. Savings, checking, and money market accounts are available for businesses. CDs and lines of credit are available. Business account holders have access to different money management options. Online and mobile banking are also available for business accounts.
You cannot open Dime accounts online. To open a CD and savings account, you must visit a branch location. To open a checking account, you can call customer service or visit a local branch. Dime has branch locations in New York.
Most of the interest rates offered on Dime accounts are not competitive. The interest rates are similar to typical brick-and mortar-rates. Only a few CDs offer interest rates competitive with online-only accounts.
Some Dime accounts have monthly fees. The fees range from $4 to $10 a month. Waive the fees by keeping a set account balance. Those balances range from $500 to $1,500, depending on the account.
All Dime branch locations are in New York. If you do not live close to a branch, you are not able to open those accounts. You must visit a branch location to open Dime accounts. They have 28 branch locations around New York.
Wings Financial accounts offer competitive interest rates. The checking account rates are competitive with online account rates. The savings and money market account offer rates that are lower than online accounts. These account interest rates are higher than typical bank rates.
A good variety of accounts are available through Wings Financial. They offer checking, savings, and money market account. Specific holiday savings accounts are available. They offer CDS, personal loans, and credit cards. Personal investment and insurance opportunities are available. Some business accounts are also offered.
Accounts with Wings Financial have low opening required amounts. The checking accounts require either $1 or $5 to open. The savings accounts do not have a required amount or require $5 to open. Each CD term requires $500 to open. The money market account does require $5,000 to open.
Only the World Class Money Market account has a monthly fee. That fee is $10 per month. To waive that fee each month you must keep an account balance of $5,000. No other Wings Financial accounts have a monthly fee.
Before you can open accounts with Wings Financial, you must first join the credit union. To be eligible to join requires living or working in Minnesota or Wisconsin county, or Seattle-Tacoma, Washington. Family members of Wings Financial members are eligible. Aviation workers are eligible. You can join Wings Financial Foundation to become eligible to join the credit union.
Some Wings Financial accounts have tiered interest rates. To earn the most competitive interest rate in the money market account requires a balance of $25,000. The investment MMA requires a balance of $100,000 to earn the best rate. The savings account requires $50,000 to earn the best rate. Wings Financial CDs requires $90,000 to earn the best rate.
Not all Wings Financial accounts can be opened online. Their special CDs require visiting a branch location to open. The high yield checking account requires a branch location to open.
You must meet requirements to earn the competitive rates of the high yield checking account. That includes making 15 debit card transactions over $5 and have a direct deposit over $300 each month. You must also sign up to receive e-Documents. If you meet these requirements, you earn the competitive interest rate. The competitive interest rate applies to account balances under $25,000.
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| Savings (Rate as of 11/21/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 3.92% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 11/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC No monthly maintenance fee, $0 to open, easily grow your money | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.