-
Financial Rates:
3.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- Variety of personal deposit accounts
- Low opening requires amounts
- Business accounts available
- Online CDs offers competitive rates
Cons:
- Cannot open all accounts online
- Tiered interest rates for MMA
- Low interest rates
- High yield accounts have high opening sum
-
Financial Rates:
4.0
-
Customer Service:
3.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- No monthly fees for accounts
- Checking account earns interest
- Accounts earn competitive interest rates
- Reimbursement of ATM fees
Cons:
- Highest rate requires a large sum
- Limited variety of accounts offered
- MMA and CDs have high opening amount
- Person to person payment has a fee
Home Savings offers a variety of personal deposit accounts. They offer interest earning and free checking accounts. They offer a checking account for students and those over 50 years old. They offer a holiday savings account and savings accounts for kids and youth. Home Savings offers an online savings account and CDs. The CDs range from 28-days to five-year terms.
Most accounts have low opening requires amounts. The online savings account requires $50 to open. The holiday savings and youth savings accounts require $10 to open. Most checking accounts requires $25 to open. The interest earning checking does require $100 and must be opened in a branch location. The regular CDs require $500 to open.
Home Savings offers a variety of business accounts. They offer checking and savings accounts for small or commercial businesses. Lending options, money market accounts, and deposit services are also offered for businesses. You must visit a branch location to open business accounts.
Home Savings offers two CDs, for new investments, with competitive rates. The terms are an 18-month and 36-month CD. Money deposited in these CDs cannot be from other accounts in Home Savings accounts. The interest rates are competitive with other online CD accounts. These CDs require $500 to open and can be opened online.
Not all Home Savings accounts can open online. Some accounts require visiting a branch location, including the interest-earning checking account. Visit a branch to open the holiday savings account and savings accounts for kids.
The MMA and the Platinum savings accounts have tiered interest rates. These accounts require a $100,000 balance to earn the best rates. Balances lower than $100,000 still earn interest, just lower rates.
Most Home Savings accounts do not offer competitive interest rates. Some accounts have tiered interest rates. Other accounts have interest rates similar to typical brick and mortar bank rates. Only a few accounts offer rates competitive with online accounts.
The high yield Home Savings accounts have high required opening amounts. The Platinum savings account requires $5,000 to open. The money market account requires $10,000 to open. The money market account can be opened online. To open the Platinum Savings requires a branch location.
giantbank.com accounts are free. The checking and money market accounts do not have a monthly maintenance fee. There is no required amount to keep in either of the accounts. CDs only have a fee if you withdraw the money before the maturity date.
The giantbank.com checking account earns interest. You can have money directly deposited into the checking account. There is not a monthly fee. The required amount to open the checking account is only $100.
The accounts at giantbank.com earn competitive interest rates. The rates are slightly lower than other online-only accounts. However, they are much higher than other brick and mortar bank rates. The interest rates for the accounts are tiered. The more money you have in the account, the higher the interest rates you earn.
giantbank.com has a variety of ATMs in network that customers are not charged a fee for using. If a different financial institution charges a fee, giantbank.com will refund the fee.
To earn the highest interest rates, giantbank.com requires a large account balance. The money market account requires a $100,000 balance to earn the highest rates. MMA balances over $1,000 earn interest, just a slightly lower rate. The checking account requires $10,000 in the account to earn the highest interest rates. The CDs require $2,500 to open and earn interest.
giantbank.com only offers personal deposit accounts. There are no business accounts available. The personal deposit accounts include checking and money market accounts, and CDs. There is only one checking and money market account to choose from. The CDs range in terms from 91-days to 5-years.
The amount required to open a giantbank.com money market account or CDs is high. The money market account requires $1,000 to open. Each of the different CD terms require $2,500 to open. There is no monthly fee for the money market account.
giantbank.com accounts offer person to person payment through PayPal. There is a fee for each transaction. The fee is $0.50 per transaction made. You can upload bank information into Quicken or QuickBooks for a fee.
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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.