| Featured Rate | |
|---|---|
 Discover Bank  | 1.90% Date: Jul 23, 2010 |
| Highest Rates Recent Rate Changes | |
| Colorado Federal Savings Bank 2 Year CD Account | 1.95% Date: Jul 29, 2010 |
| Advantage Bank, Oklahoma 2 Year CD Account | 1.90% Date: Jul 29, 2010 |
| Security Service Federal Credit Union 2 Year CD Account | 1.80% Date: Jul 29, 2010 |
| Cache Bank and Trust 2 Year CD Account | 1.77% Date: Jul 23, 2010 |
| Bank of Choice 2 Year CD Account | 1.70% Date: Jul 22, 2010 |
| Valley Bank and Trust 2 Year CD Account | 1.55% Date: Jul 30, 2010 |
| The Home State Bank Savings Account | 0.76% to 0.25% Date: Jul 26, 2010 |
| Credit Union of Colorado 6 Month CD Account | 0.50% to 0.25% Date: Jul 26, 2010 |
| Weld Schools Credit Union Savings Account | 0.05% to 0.50% Date: Jul 23, 2010 |
Welcome to Denver Banking Rates
Denver Banking Rates is here to help you get your financial house in as sound a shape as possible. Finding the best Denver bank rates and preparing for the future is what we’re all about.
Some rates include:
- Denver, CO mortgage refinance rates
- Denver insurance rates for homes and automobiles
- More banking rate information available from US Banking Rates
Our Featured Denver Bank Rate
Denver Banking Rates recommends the rates that Zions Bank has to offer. Zions Bank makes it easy to start saving wherever you are, including Denver. The current savings account rate that you can apply for today is at 1.16%, which is one of the top rates in the nation. Zions Bank has been in business for 135 years and has over 125 branches.
For inquiries contact:
One South Main StreetSalt Lake City, Utah 84133
Phone:
1-800-974-880024 Hours a Day
7 Days a Week
More Denver Banks
Credit Union of Denver 9305 West Alameda Avenue Lakewood, CO, 80226 | Security Service Federal Credit Union 2150 South Perria St Aurora, CO, 80014 | Ashoka Credit Union 525 Canyon Blvd. Boulder, CO, 80302 |
Front Range Bank 13013 West Alameda Parkway Lakewood, CO, 80228 | Coors Credit Union 816 Washington Ave Golden, CO, 80401 | Farmers Union Credit Union 5619 Dtc Parkway Greenwood Villa, CO, 80111 |
Current Denver Rates Update
The 30-year fixed mortgage rate just went lower to 4.72%, so now may be a good time for you to consider refinancing a home or buying one in Denver. Compared to the previous year, mortgage rates were at 5.59% for Denver and the rest of the country. The most recent drop of 0.7% is in reaction to the continually weakening U.S. employment picture, low housing activity after the $8,000 tax credit expired and a growing amount of foreclosures sweeping the nation.
Low Denver home loan rates are still not enough to ignite a rebound in home buying activity however. The current mortgage rate is now approaching the lowest home loan rate in recorded history, which was 4.71% in December of 2009 according to Freddie Mac. Low mortgage rates have been able to get more money into the pockets of consumers due to a flurry of refinancing activity thanks to the lower rates.
One year adjustable mortgages are at 3.91%, down from 3.95% last week. To give a better indication of where rates are from a year ago, 15-year mortgages were at 5.04% and ARM’s at 5.17%. If you plan on refinancing, odds are that home loan rates will not go much lower as they are already near historical lows. Refinancing can help you save more each month to go towards savings or other expenses.
The Psychology of Spending: Save Big by Carrying Big Bills
It seems it really is “all about the Benjamins.” A new study published by the Journal of Consumer Research,“The Denomination Effect,” has proven that people who carry around large bills (like the $100 bills with Benjamin Franklin’s portrait) are more likely to be more cautious about their casual spending than those who carry the same $100 broken out into multiple smaller bills.
In today’s economy, the need to be conservative with our spending is constantly tempted (and often thwarted) by the countless clearance sales and unbeatable prices we see as we walk past store windows or surf the web. As a result, it’s incredibly easy to stumble into a series of dropping a single $20 at one sale, and another $20 at the next and so on, until all that bargain shopping adds up to serious spending. (Even if you’ve saved over $100 with price reductions, you’re still chipping away at your savings.) And therein lies the problem, it’s easier to part with those twenties than it is to break a hundred dollar bill.
Looking into the psychological aspects of spending, the study concluded that people have come to overvalue large denomination bills, and undervalue small denomination bills. While you may be willing to part with a ten dollar bill without hesitation, the impulse to spend the same ten dollars is checked when it requires breaking a bill with a larger denomination even if the spending is exactly the same.
But why are we so wary of breaking the big bills? It may be something as simple as not wanting to cram our wallets with all the smaller bills, or it could be our awareness that once that $100 bill is broken, we’re much more likely to start spending those fives, tens and twenties on smaller purchases that could easily be thought of as impulse buys.
Don’t have $100 to begin with? It works the same with much smaller figures too. In the study, 89 undergraduate students (the ultimate bargain-hunters, eaters of instant-Ramen and saddled with student loans) were given a single dollar to spend at their will. About half were given a crisp single dollar bill, while the other half were handed 4 shiny quarters. The results? 26% of the students who carried the single bill broke it and spent it, while 63% of the students carrying coins fixed their sugar cravings and bought candy.
So if you’re looking for new ideas to curb your spending, try carrying cash (it’s much easier to SEE how much you’re spending when you watch your wallet shrink than when you swipe a piece of plastic), and try carrying big bills. Most importantly, learn to value your money properly. Ten dollars is still ten dollars as a single bill or as one of ten that you get back after you break out Benjamin Franklin.
Life Changes Affecting Denver Banking Rates
- Your daughter’s getting married, and only the best will do.
- You’ve spent so much time in Denver that you need to buy a timeshare in Vail.
- Your spouse was in an accident, and you need to supplement your income.
Get the Best Rates in Denver, CO
Denver Banking Rates is a free resource for consumers to help them find the right rates that best suit their needs. Denver Banking Rates works with thousands of Banks, Lenders, Mortgage Companies, Credit Card Companies and other financial institutions to bring you the most up-to-date interest rates, savings rates and loan rates.
Denver Banking Rates also can match you with the best local companies based on your current credit rating and credit score. No matter what your credit score is, Denver Banking Rates has special relationships with companies who can get you what you are looking for; including: the best Refinance Rates, great CD and Savings Rates, low interest rates for Auto Loans, and thousands of low rate credit cards to match everyone’s needs.
If you do not know your Current Credit Score, you can also access a Free Credit Report and Score through our partner Go Free Credit. This will not only give you your current Credit Report and Credit Score, but also keep you aware of items that can damage your credit score and protect you against identity theft.
Let us know what type of Rate that you are interested in, and your current Credit Score, and we will find the best companies that you should work with. Our service is 100% free to all consumers along with our Free Rate Alerts to keep you up-to-date on interest rates and rate news from our experts.tes. Take your time, research our partners, find the best Rates for you. You can also email us anytime with questions you have about comparing rates, rate quotes, interest rates or other information you need to better understand how to get the best rates for you!
Free Rate Resources in Denver, CO
Denver Banking Rates is rapidly becoming the premier Denver interest rate source. By working with thousands of financial companies, Denver Banking Rates has up-to-date Interest Rates, news and Rate information across many products and services including:
- Denver Home Loan Rates
- Denver Savings Rates
- Denver Credit Card Rates
- Denver Student Loan Rates
- Denver Auto Loan Rates
- Denver Insurance Rates
- Denver CD Rates
Denver Banking Rates specializes on putting people together with companies who want their business. If you have a great Credit Score, Denver Banking Rates has banks, lenders and credit card companies who can get you the lowest rates based on your situation, if you have a not-so-great Credit Score, Denver Banking Rates has just as many partners who can find the best rates for your based on your needs.
Our site will add thousands of new partners every year that want to work with you to get you the Best Rates. Take your time, research our partners, find the best Rates for you. You can also email us anytime with questions you have about comparing rates, rate quotes, interest rates or other information you need to better understand how to get the best rates for you!
Best Denver Banking Rates
Current Denver Banking News
Check Rates in These Cities Near Denver: | Serving the Following Denver Zip Codes: | |||||||||||||||
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