First comment from this forum :
09-26-2006 (101 posts)
"Get 5.25% APY with a $5,000 balance or more.
I believe this is the best rate out there right now--and for those that don't mind moving their money between these online savings banks, a pretty slick deal.
THIS IS BETTER THAN ING, EMIGRANT, CITI, ETC.
Also some pretty slick CD rates up to 5.5% for those inclined to lock up their money. ..."
see this forum at : http://forums.slickdeals.net/showthread.php?s=8ef4eaa287e5e862e008b99b21337481&t=336102
Thursday, December 20, 2007
Thursday, December 13, 2007
Link to a forum : E-Loan
First comment from this forum :
01-05-2006 (7 posts)
"Is e-loan even a bank?
Is the acct with e-loan or are they offering a rate from some other bank? "
see this forum at : http://www.bestcashcow.com/forum/showthread.php?t=76
01-05-2006 (7 posts)
"Is e-loan even a bank?
Is the acct with e-loan or are they offering a rate from some other bank? "
see this forum at : http://www.bestcashcow.com/forum/showthread.php?t=76
Link to a forum : eloan.com
First comment from this forum :
Sep 16th, 2003 (9 posts)
"Just an FYI... if you go with eloan, which I think I will. Call and ask for a better rate, they will tell you they don't counter offer etc. I was told no. Then I got an e-mail back 5 mins later telling me my new interest rate is now over 2 points lower
BTW Capital One's peoplefirst.com gave me a rate that was laughable, so high I think they must have been smoking something and yes my credit is good 
"
see this forum at : http://www.mini2.com/forum/finance-insurance/40587-eloan-com.html
Sep 16th, 2003 (9 posts)
"Just an FYI... if you go with eloan, which I think I will. Call and ask for a better rate, they will tell you they don't counter offer etc. I was told no. Then I got an e-mail back 5 mins later telling me my new interest rate is now over 2 points lower
BTW Capital One's peoplefirst.com gave me a rate that was laughable, so high I think they must have been smoking something and yes my credit is good "see this forum at : http://www.mini2.com/forum/finance-insurance/40587-eloan-com.html
Monday, December 3, 2007
Link to a forum : E-LOAN 5% APY savings
First comment from this forum :
see this forum at : http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=656378
"Quick Tags
eloan loan savings APY e-loan high yield
Quick Summary
$5,000 initial deposit
Minimum Balance
Quoting directly from their T&Cs:
"You will be expected to maintain a balance of at least $500.00 in your Savings Account. If your balance is less than $500.00 for ninety (90) calendar days or more during any 12-month period, your Account may be closed."
"For security purposes, we will not allow any withdrawals from your E-LOAN account to be made by an outside institution."
* This includes pulls initiated from your linked account. All transfers must be made through E-LOAN.
Interest Rates (APY)
09/26/06 - 5.25% (< $5,000 balance), 5.50% (>= $5,000 balance)
09/28/06 - 5.50% on any balance ($5k initial deposit still holds)
12/06/06 - 5.38% on any balance
01/16/07 - 5.25% on any balance
09/20/07 - 5.00% on any balance
10/02/07 - 4.75%
Hard Inquiry?
No hard inquiry after new account opening
Withdraw limits
Savings account withdrawals are limited to six per calendar month. However, you are free to make unlimited deposits into your online account from your linked account.
ACH Speed
Money credited to the account the same day it's debited from the external account for the initial account opening deposit.
Deposits by ACH?
Although you can only withdraw money via the linked account, you can make deposits into ELOAN via ACH through a non-linked account.
The routing number is 111925359. You will notice when you login to your ELOAN account, that the first 6 digits of your account number are hidden with X's.
You can find your full account number by going to "View Statements" - you should see your account number under the column labeled "Account Number"
Yodlee Users
Yes, E-LOAN is available on Yodlee (v. 6?), but not through BoA (v. 5?)
Quicken / MS Money Transaction Downloading
No (they say it's a "long term goal").
Terms and Conditions
Click here for the complete terms and conditions of this account.
Statements and Interest
Statements are issued at the end of any month in which there is account actitivity. If there is no activity other than interest, statements are issued quarterly. Interest is credited on the monthly anniversary of your account opening. For example, if you opened the account on the 14th, interest will be credited on the 14th of every month. The interest date and the statement date are not the same. So, your first statement may not show any interest having been credited (because it was issued before the first interest payment date).
HELP!!! My deposit shows up as a debit!!!
In the Account History section, all transactions -- both deposits and withdrawals -- show up as a debit at first with a balance of 0.00. One or two business days later, it changes to a credit (if applicable) and the correct balance shows up. We don't know why, it just happens.
HELP!!! They are withholding part of my interest payment.
On your account application, you probably checked the box that said "I am subject to backup withholding." If so, taxes will be withheld from your interest payments. The bank will issue a Form 1099-INT at the beginning of next year showing the withholding. You may claim a credit for the amount withheld when you file your federal Form 1040.
HELP!!! It says my account balance is $0.00
In the Transaction History portion of your Account Details page, when a new transaction is entered, the Balance column next to the new transaction always says $0.00. Don't panic. The 0.00 will be replaced by your actual account balance in one or two business days. The Account Balance at the top of the page and on the summary page should be correct. "
eloan loan savings APY e-loan high yield
Quick Summary
$5,000 initial deposit
Minimum Balance
Quoting directly from their T&Cs:
"You will be expected to maintain a balance of at least $500.00 in your Savings Account. If your balance is less than $500.00 for ninety (90) calendar days or more during any 12-month period, your Account may be closed."
"For security purposes, we will not allow any withdrawals from your E-LOAN account to be made by an outside institution."
* This includes pulls initiated from your linked account. All transfers must be made through E-LOAN.
Interest Rates (APY)
09/26/06 - 5.25% (< $5,000 balance), 5.50% (>= $5,000 balance)
09/28/06 - 5.50% on any balance ($5k initial deposit still holds)
12/06/06 - 5.38% on any balance
01/16/07 - 5.25% on any balance
09/20/07 - 5.00% on any balance
10/02/07 - 4.75%
Hard Inquiry?
No hard inquiry after new account opening
Withdraw limits
Savings account withdrawals are limited to six per calendar month. However, you are free to make unlimited deposits into your online account from your linked account.
ACH Speed
Money credited to the account the same day it's debited from the external account for the initial account opening deposit.
Deposits by ACH?
Although you can only withdraw money via the linked account, you can make deposits into ELOAN via ACH through a non-linked account.
The routing number is 111925359. You will notice when you login to your ELOAN account, that the first 6 digits of your account number are hidden with X's.
You can find your full account number by going to "View Statements" - you should see your account number under the column labeled "Account Number"
Yodlee Users
Yes, E-LOAN is available on Yodlee (v. 6?), but not through BoA (v. 5?)
Quicken / MS Money Transaction Downloading
No (they say it's a "long term goal").
Terms and Conditions
Click here for the complete terms and conditions of this account.
Statements and Interest
Statements are issued at the end of any month in which there is account actitivity. If there is no activity other than interest, statements are issued quarterly. Interest is credited on the monthly anniversary of your account opening. For example, if you opened the account on the 14th, interest will be credited on the 14th of every month. The interest date and the statement date are not the same. So, your first statement may not show any interest having been credited (because it was issued before the first interest payment date).
HELP!!! My deposit shows up as a debit!!!
In the Account History section, all transactions -- both deposits and withdrawals -- show up as a debit at first with a balance of 0.00. One or two business days later, it changes to a credit (if applicable) and the correct balance shows up. We don't know why, it just happens.
HELP!!! They are withholding part of my interest payment.
On your account application, you probably checked the box that said "I am subject to backup withholding." If so, taxes will be withheld from your interest payments. The bank will issue a Form 1099-INT at the beginning of next year showing the withholding. You may claim a credit for the amount withheld when you file your federal Form 1040.
HELP!!! It says my account balance is $0.00
In the Transaction History portion of your Account Details page, when a new transaction is entered, the Balance column next to the new transaction always says $0.00. Don't panic. The 0.00 will be replaced by your actual account balance in one or two business days. The Account Balance at the top of the page and on the summary page should be correct. "
see this forum at : http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=656378
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