Prescott Banking Rates

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About Prescott Banking Rates

Comparing interest rates on deposit accounts or loans is not the long, tedious process it once was. Now with Prescott Banking Rates, you can quickly and easily sort through the best interest rates available from the top local credit unions and banks in the Prescott, AZ area.

Our Featured Prescott Bank Rate

Prescott Experts

Eileen Rivera
SkyOne Federal Credit Union CEO

Checking accounts have been the subject of controversy lately, prompting Americans to examine their current accounts and whether a different bank or credit union could offer a better deal. Local credit union CEO at SkyOne FCU answers a few common questions about local Prescott checking accounts. Prescott Banking Rates: Why should a person choose a local Prescott checking account over one from a national institution? SkyOne: Local presence isn’t necessary -- with direct deposit and an debit/ATM card accessing your account is easy and doesn’t involve driving to a branch and standing in line to get things done. Plus, with remote deposit capture, online banking and mobile banking this access becomes even more convenient. SBR: What should a checking customer consider before choosing a local checking account? SkyOne: In today’s technology driven society, it’s less about the physical location of a financial institution but more about the following four reasons: Product Fit: Do the product features fit with what the consumer needs? Service: When you contact the institution are they responsive to your needs? Do they treat you like a friend or a number? Price: Do you need an account that pays high dividends? Are you getting nickel and dimed to access your own money? What fees are you being charged? Convenience: How easy does the institution make it for you to access your money? Can you go to any ATM or a branch network (like shared branches) to make deposits or withdrawals? Do they offer online and mobile banking? And how much do they charge for these services, if anything? SBR: What advice do you have if a person Seattle wants to switch checking accounts, but is concerned about the hassle of transferring direct deposits and automatic payments? SkyOne: No matter which financial institution you choose, there will be some legwork the consumer needs to do. The new institution should be able to provide the consumer with all the tools they need to make the switch, such as a switch kit that provides step-by-step instructions on what they need to change. Some even offer form letters that are already completed with the consumer’s new information. It’s just a matter of printing the letter, signing and sending it off to the financial institution you’re leaving. At the end of the day, the time you take to make the switch to an FI that works for you will be worth it rather than staying with an institution that you’re unhappy with. SBR: Prescott checking accounts aren’t investments, so what are the benefits of a high-yield checking account as compared to one that doesn’t earn interest? SkyOne: High-yield checking accounts typically pay higher dividend/interests rates for larger balances. While most high-yield checking accounts require a large minimum balance in order to receive dividends, it does provide liquidity that some investments don’t offer. If you need to be able to get to your money when you need it, this may be the right solution for you. For some, dividends will be higher on an investment account, but it might be worth accepting a lower dividend rate in a high-yield checking account to be able to withdraw those funds quickly and easily. But be aware that higher-yielding checking accounts could come with large minimum balance requirements and monthly fees if that balance is not maintained. SBR: Do you offer any online or mobile checking/banking services? SkyOne: Yes, we offer many options to our members. We have both online and mobile banking options available, better known as iSky and iSky Mobile. We even have SMS/Text Message banking where a member can text a command, such as balance or a transfer, to their online account at the credit union using their mobile device. Within seconds, they receive the information or confirmation that the action was successful. We also recently introduced iPhone and Android apps to access our online banking platform from anywhere. Members can check balances, make transfers, view transactions, locate a shared branch or Co-Op ATM nearby. Plus, we offer all these options to our members at no cost.

More Banks and Credit Unions in Prescott and Surrounding Areas

Country Bank Arizo
107 East Willis Street
Prescott, AZ 86301
National Bank of Arizona
563 Finnie Flat Rd
Camp Verde, AZ 86322
Meridian Bank
2001 West Wickenburg Way
Wickenburg, AZ 85390
Meridian Bank
2001 W Wickenburg Way Ste 2
Wickenburg, AZ 85390
Coconino Credit Union
2800 S Woodlands Village Blvd
Flagstaff, AZ 86001

As the first quarter of 2012 comes to a close, it’s a great time to stop and take a closer look at your finances. Is your budget still in tact? Are you meeting and exceeding your savings goals? If you can’t answer “yes,” you should make a change now — and one of the easiest things you can do is deposit your money in accounts with a more competitive Prescott interest rates. Institutions with the Best Prescott Interest Rates Today

Now that it’s 2012, it’s a perfect time to inspect your financial situation and look for ways to improve them. Try taking a closer look at your bank accounts– One positive change you can make right now is transferring your money to a higher earning investment. Some of the local financial institutions are offering great Prescott CD rates, so find out if there’s a credit union or bank close by offering a great rate. Best Prescott CD Rates in January 2012

A lot of Prescott investors understand how turbulent risky investments can be. However, Prescott, AZ 1-year CD rates still lend an opportunity for investors to claim higher gains with minimal risk overall. Prescott CD rates are not only an affordable route for many new investors, they offer various term lengths that cater to a range of budgets. Best 1-Year CD Rates in Prescott, AZ

Are you considering financing a new car? While you might be considering details like make, year and price range, another important thing to consider is the interest rate you secure on your loan. Prescott auto loan rates tend to fluctuate in terms of affordability, so it’s essential you investigate the best lenders and rates before agreeing to the terms. Best 36-Month Auto Loan Rates in Prescott

If you, along with many other potential homeowners, have been enticed by dropping mortgage rates and are planning on financing your first home, now might actually be the perfect time. Keep in mind, just because average Prescott mortgage rates are at their lowest doesn’t mean every lender will be offering an affordable financing option. In order to lower the overall expense of your home purchase as much as possible, it’s recommended you research the rates available locally and find the very best. Current Best Mortgage Rates in Prescott, AZ

The holidays are coming up quickly and it’s imperative your finances can accommodate all the expenses that go hand-in-hand with this time of year. Are you worried you might end up in the red in 2012? A high-yield Prescott savings account can help you put away some extra cash over the next few months. Top Savings Account Interest Rates in Prescott, AZ Today

If you are thinking about purchasing a house, but traditional fixed rate mortgages aren’t for you, look into an adjustable rate mortgage instead. ARMs work differently than regular mortgages, and currently, you could find an exceptionally affordable interest rate on one. Where to Get the Best Prescott Mortgage Rates on an ARM

Don’t worry if the winter weather is getting you down, the Prescott CD rates available these days are looking pretty good. Anyone who has been lagging on getting a savings plan in place can really benefit. These community banks and credit unions may have the interest rates that will get you in gear. Where Are the Current Highest Prescott CD Rates?

At a point when Prescott mortgage rates are the lowest they’ve ever been, it’s recommended you take advantage of the opportunity to get amazingly low-interest financing before rates go back up. If you’ve been thinking about buy a home, now may be the best time to do it. You may never be able to get rates these low again. Lowest Prescott 30-Year Fixed Mortgage Rates

Whether you have a tight budget or have plenty of money to spare, it doesn’t make sense for you to pay more for your property than necessary. Locating the best mortgage rates in Prescott and securing a low loan rate is the key to keeping the cost of your next home purchase down. Best 15-Year Fixed Mortgage Rates in Prescott, AZ