Richland state bank online login -
City in Washington, United States
City in Washington, United States
|City of Richland|
View over downtown Richland in 2018
The Windy City, City Of the Bombers, Atomic City
Location of Richland, Washington
|Coordinates: 46°16′47″N119°16′53″W / 46.27972°N 119.28139°W / 46.27972; -119.28139|
|• Type||Council–manager government|
|• Mayor||Ryan Lukson|
|• Mayor Pro Tem||Terry Christensen|
|• City||42.62 sq mi (110.38 km2)|
|• Land||39.22 sq mi (101.59 km2)|
|• Water||3.39 sq mi (8.79 km2)|
|Elevation||384 ft (117 m)|
| • Estimate |
|• Rank||US: 667th|
|• Density||1,484.46/sq mi (573.16/km2)|
|• Urban||232,954 (US: 171st)|
|• Metro||296,224 (US: 164th)|
|• CSA||357,146 (US: 103rd)|
|Time zone||UTC−8 (Pacific (PST))|
|• Summer (DST)||UTC−7 (PDT)|
99352, 99353, 99354
|GNIS feature ID||1513395|
Richland () is a city in Benton County, Washington, United States. It is located in southeastern Washington state at the confluence of the Yakima and the Columbia Rivers. As of the 2010 census, the city's population was 48,058, with a 2019 estimate from the Census Bureau putting its population at 58,225. Along with the nearby cities of Pasco and Kennewick, Richland is one of the Tri-Cities, and is home to the Hanford nuclear site.
Main article: Timeline of the Tri-Cities, Washington
For centuries, the village of Chemna stood at the mouth of the current Yakima River. Today that village site is called Columbia Point. From this village, the Wanapum, Yakama and Walla Walla Indians harvested the salmon runs entering the Yakima River. Captain William Clark of the Lewis and Clark Expedition visited the mouth of the Yakima River on October 17, 1805.
In 1904–1905, W.R. Amon and his son Howard purchased 2,300 acres (9 km2) and proposed a town site on the north bank of the Yakima River. Postal authorities approved the designation of this town site as Richland in 1905, naming it for Nelson Rich, a state legislator and land developer. In 1906, the town was registered at the Benton County Courthouse. It was incorporated on April 28, 1910, as a Washington Fourth Class City.
World War II
Richland was a small farm town until the U.S. Army purchased 640 sq mi (1,660 km2) of land – half the size of Rhode Island – along the Columbia River during World War II, evicting the 300 residents of Richland as well as those of the now vanished towns of White Bluffs and Hanford just upriver. The army turned it into a bedroom community for the workers on its Manhattan Project facility at the nearby Hanford Engineering Works (now the Hanford site). The population increased from 300 in July and August 1943 to 25,000 by the end of World War II in August 1945. All land and buildings were owned by the government. Housing was assigned to residents and token rent was collected; families were assigned to houses or duplexes; single people were placed in apartments or barracks. Everything necessary was provided, from free bus service to light bulbs, and trees were planted in people's yards by the government. Much of the city was planned by Spokane architect Gustav Albin Pherson and overseen by the Army Corps of Engineers. While there were dormitories and barracks built at the time, prefabricated duplexes and single family homes are all that survive today. Because homes were allocated based on family size and need, there were a number of floorplans available. These were each identified by a letter of the alphabet, and so came to be known as alphabet houses. 
In 1954 Harold Orlando Monson was elected the first mayor of Richland and traveled to Washington, D.C. to negotiate increased rights (such as private home ownership) for citizens in military cities across the country.
Richland's link to the Army Engineers is suggested by its street nomenclature; many of the streets are named after famous engineers. The main street (George Washington Way) is named after the first president, who was a surveyor; Stevens Drive is named after John Frank Stevens, chief engineer of the Panama Canal and Stevens Pass; Goethals Drive is named after George W. Goethals, designer of the Panama Canal; and Thayer Drive is named after Sylvanus Thayer, superintendent of West Point and later founder of the Thayer School of Engineering at Dartmouth College. The rule is that if alphabet houses reside on a given street, it is named either after an engineer or a type of tree.
The end of the war
With the end of the war, the Hanford workers' camp, originally located fifteen miles (24 km) north of Richland at the old Hanford town site, was closed down. Although many of the workers moved away as the war effort wound down, some of them moved to Richland, offsetting the depopulation that might otherwise have occurred.
The Cold War boom
Fears that the Soviet Union's intentions were aggressive set off the Cold War in 1947. The capacity to produce plutonium was increased beginning in 1947. When the Soviet Union developed and tested their first nuclear weapon in 1949, the U.S. nuclear program was reinvigorated. A second post-WW II expansion began in 1950 as a result of the war in Korea. Richland's Cold War construction boom resulted in Richland's population growing to 27,000 people by 1952. Many of these people lived in a construction camp of trailers located in what is now north Richland. With time, these trailers were vacated and the core city grew. Others lived at Camp Columbia near Horn Rapids until the camp was closed in 1950. In 2005 several dozen houses built in the northern part of the core city during this boom were added to the National Register of Historic Places as the Gold Coast Historic District.
Transition to private property
The government got out of the landlord business in 1957 when the real estate was sold to the residents. Most of the people lived in duplexes; senior tenants were given the option to purchase the building; junior tenants were given the option to purchase lots in a newly platted area of north Richland. Richland was incorporated in 1958 as a chartered First Class City, an open self-governed city. As part of the transition, large areas of undeveloped land became city property. Richland's financial dependency on the federal Hanford facility changed little at this time because Hanford's mission as a weapons materials production site continued during the Cold War years.
At some point, documents and photographs of the Hanford military facilities became declassified by the U.S. government. Those digitized records are considered to be in the public domain, and are hosted on the online Hanford Document Retrieval System. Historical events, such as a visit to the property by President Richard Nixon, are also stored on the database.
After the production boom
With the shutdown of the last production reactor in 1987, the area transitioned to environmental cleanup and technology. Now, many Richland residents are employed at the Hanford site in its environmental cleanup mission.
Richland High School's sports teams are called the Bombers, complete with a mushroom cloud logo. Some of the streets platted after 1958 are named after U.S. Armygenerals (such as Patton Street, MacArthur Street, Sherman Street, and Pershing Avenue) and after various nuclear themes (Einstein Avenue, Curie Street, Proton Lane, Log Lane, and Nuclear Lane). A local museum, the Columbia River Exhibition of History, Science, and Technology, features exhibits of nuclear technology.
Washington State University, Tri-Cities was founded in northern Richland in 1989, growing out of a former Joint Graduate Center which had been affiliated with the University of Washington, Oregon State University, and Washington State University. Richland is also home to Kadlec Regional Medical Center. Columbia Basin College's Medical Training Center is near Kadlec Regional Medical Center.
The city of Richland is a full-service city providing police services, fire protection, water utility services, solid waste services, electric utilities, parks and recreational facilities and services, maintenance of city streets and public facilities, and full library services featuring a state-of-the-art library operated by the city. The city pursues community and economic development and offers housing assistance.
The Richland Community Center is adjacent to Howard Amon Park, on the east side of the Columbia River. The building was designed by ARC Architects of Seattle, Washington. Many of its rooms have views of the park and Columbia River, which make it a venue for weddings and receptions, family reunions, birthday parties, business, and community meetings. The rooms are also used for a variety of general education and personal enrichment classes including courses in computer/technology, health & fitness, dance, arts & crafts, dog training, home & gardening, language lessons, and martial arts. The Community Center also serves as a gathering place for group recreation and gaming: cribbage, pinochle, bridge, pool, dominoes, and a host of other social activities are available to the public at large.
More recently, the Richland Community Center has hosted a number of important civic events including the Green Living Awards and the Fall Carnival.
As of 2016 the city was planning to rebuild its current city hall to across Jadwin Avenue into the parking lot of the United States Federal courthouse. This decision also includes moving the fire station, which is currently across George Washington Way, to the current site of city hall. The current city hall would be sold to eligible businesses.
The City of Richland Police Department comprises approximately 58 commissioned police officers and 15 support staff.
After the end of World War II Richland continued to be a center of production and research into nuclear energy and related technology.
It has been the home of Pacific Northwest National Laboratory (PNNL) since 1965. One of the two Laser Interferometer Gravitational-Wave Observatory sites is located immediately north of Richland. Numerous smaller high technology business and expert consultants have grown up around the Richland technology center as well.
Preferred Freezer Services Warehouse
Richland is home to the largest cold-storage facility on Earth—which is also one of the largest buildings on Earth by volume.
- Battelle Memorial Institute, operating PNNL
- Bechtel National Inc., building a waste vitrification plan
- Washington River Protection Solutions (a partnership of AECOM and EnergySolutions), controlling operations of the nuclear waste tank farms
- Washington Closure Hanford (a partnership of AECOM, Bechtel, and CH2M Hill), providing waste management and cleanup efforts, including decontamination and demolition (D&D) of facilities along the Columbia River
- Mission Support Alliance (a partnership of Lockheed Martin, Jacobs Engineering Group, and Centerra Group) providing infrastructure and sitewide services
- CH2M Hill Plateau Remediation Company, responsible for D&D of facilities on the site's Central Plateau
- EnergySolutions, providing services to the U.S. government
- Energy Northwest, generating nuclear power at a nearby reactor facility
- Framatome creating nuclear fuel
- Lockheed Martin Services, Inc., providing technology services
- The U.S. Department of Energy, which operates the Hanford Site
Agriculture is important in the Richland area; the Tri-Cities area of the Columbia Basin grows excellent produce.[tone] Richland hosts an important food processor, Lamb Weston, which processes potatoes and other foods.
The production of wine in the lower Columbia Basin has become one of the area's main industries. Richland lies at the center of a viticulture area which produces internationally recognized wines in four major Washington appellations and serves as a center for wine tours. The Columbia Valley appellation which surrounds Richland contains over 7,000 hectares planted with wine grapes. On the west the Yakima Valley appellation includes 5,000 hectares. To the east, the Walla Walla Valley appellation includes 500 hectares of wine grapes.
Business and industry
The Tri-City Industrial Development Council promotes both agricultural related and technology related industries in the region.
According to Richland's 2014 Comprehensive Annual Financial Report, the top employers in the city are:
The Richland School District serves the cities of Richland and West Richland with ten elementary schools, four middle schools, and three high schools.
Columbia Basin College, primarily located in Pasco, has a small branch campus in Richland.
Washington State University, Tri-Cities, established in North Richland in 1989, sits on the western bank of the Columbia River. The university offers undergraduate and graduate degree programs. It first admitted freshmen and sophomores in the fall of 2007.
There are three 18-hole golf courses and one 9-hole course in the area.
Richland has developed a number of parks, several of them fronting on the Columbia and Yakima Rivers. The rivers provide boating, water skiing, fishing, kayaking and waterfowl hunting opportunities.
Richland is included in a bike trail system in the Tri-Cities which is named The Sacagawea Heritage Trail. The trail is a scenic river ride along the Columbia River through the Tri-Cities of Kennewick, Richland and Pasco. It is a 23-mile multipurpose blacktop loop trail on both sides of the river from Sacagawea State Park at the confluence of the Snake and Columbia Rivers up to the I-182 bridge at the Columbia Point Marina on the upper end. Three bridges join the trails on both sides, providing a number of ride options. There are numerous trailheads and access parking spots along the route.
Richland lies within a semi-arid, shrub-steppe environment, and has a number of interesting natural areas within or adjacent to the city:
- The Yakima River delta and wetlands lie within Richland and provide habitat for many birds and animals. The area around the Yakima delta provides a wooded variation of the normal shrub-steppe.
- The Badger Mountain Centennial Preserve protects Badger Mountain, located on the edge of Richland in the Richland GMA area. It provides views of the Tri-Cities as well as the Columbia and Yakima rivers. A non-profit group, Friends of Badger Mountain, worked to procure this shrub-steppe area that has the most native vegetation intact, and in 2005 built a trail to the summit. The 2-kilometer trail rises 300 meters above the trailhead in Richland.
- The Arid Lands Ecology Reserve, at the western edge of Richland on the Hanford Reservation, is the last remaining large block of undisturbed shrub-steppe habitat in the Pacific Northwest. The site has been closed to the public since the 1940s, preserving its character. It is managed as an environmental research area and wildlife reserve.
- North of Richland, the Hanford Reach, the last free-flowing stretch of the Columbia River in the U.S., provides sightseeing and salmon fishing. This free-flowing stretch flows through the Hanford Reach National Monument, which was created by Presidential proclamation in 2000, and is managed by the U.S. Fish and Wildlife Service. Volunteers are working to construct an interpretive center on Richland's Columbia Point at the confluence of the Yakima and Columbia; in 2006, $22M of the necessary funds were in hand and construction was expected later that year.[needs update]
- The Amon Creek Natural Preserve in the south part of town protects wetlands around the creek and has several trails.
Sports teams in the immediate area include the Tri-City Americans WHL ice hockey team (which plays in Kennewick), and the Tri-City Dust Devils Single-A baseball team (affiliated with the Los Angeles Angels) which plays in Pasco.
Washington State University Tri-Cities has a number of club sports teams, including in rugby (2016 Northwest Cup Champions), volleyball, men's soccer and women's soccer.
Richland is located at 46°16′47″N119°16′53″W / 46.27972°N 119.28139°W / 46.27972; -119.28139 (46.279657, −119.281377).
According to the United States Census Bureau, the city has a total area of 39.11 square miles (101.29 km2), of which, 35.72 square miles (92.51 km2) is land and 3.39 square miles (8.78 km2) is water. Elevation at the airport is 120 m (394 ft).
In the late 1970s, Richland sought to annex 5 square miles (13 km2) of unincorporated land in Franklin County on the east side of the Columbia River, anticipating development following the construction of Interstate 182. The move was blocked by Pasco, who had planned to annex much of the area themselves. The Richland city government filed an appeal against the Franklin County Boundary Review Board in 1983 following their approval of Pasco's claim; the Washington Supreme Court affirmed the Franklin County decision.
Richland receives about 7 inches (180 mm) of precipitation per year, giving it a semi-arid desert climate and resulting in a shrub-steppe environment. Summers are hot with infrequent thunderstorms, while winters are milder than all of Eastern Washington with snow falling only occasionally. On June 29, 2021, the maximum temperature of 118 °F (48 °C) was recorded in Richland which tied the all-time record high temperature in the state of Washington.
|Climate data for Richland, Washington|
|Record high °F (°C)||71|
|Mean maximum °F (°C)||58.3|
|Average high °F (°C)||40.7|
|Average low °F (°C)||26.4|
|Mean minimum °F (°C)||1.0|
|Record low °F (°C)||−21|
|Average precipitation inches (mm)||0.99|
|Average snowfall inches (cm)||2.6|
Based on per capita income, one of the more reliable measures of affluence, Richland ranks 83rd of 522 areas ranked in the state of Washington—the highest rank achieved in Benton County.
As of the census of 2010, there were 48,058 people, 19,707 households, and 12,974 families residing in the city. The population density was 1,345.4 inhabitants per square mile (519.5/km2). There were 20,876 housing units at an average density of 584.4 per square mile (225.6/km2). The racial makeup of the city was 87.0% White, 1.4% African American, 0.8% Native American, 4.7% Asian, 0.1% Pacific Islander, 2.7% from other races, and 3.2% from two or more races. Hispanic or Latino people of any race were 7.8% of the population.
There were 19,707 households, of which 31.0% had children under the age of 18 living with them, 51.6% were married couples living together, 10.0% had a female householder with no husband present, 4.2% had a male householder with no wife present, and 34.2% were non-families. 28.2% of all households were made up of individuals, and 10.1% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 2.97.
The median age in the city was 39.4 years. 24.2% of residents were under the age of 18; 8.1% were between the ages of 18 and 24; 24.7% were from 25 to 44; 28.4% were from 45 to 64; and 14.6% were 65 years of age or older. The gender makeup of the city was 49.0% male and 51.0% female.
As of the 2000 census, there were 38,708 people, 15,549 households, and 10,682 families residing in the city. The population density was 1,111.8 people per square mile (429.2/km2). There were 16,458 housing units at an average density of 472.7 per square mile (182.5/km2). The racial makeup of the city was 89.55% White, 1.37% African American, 0.76% Native American, 4.06% Asian, 0.11% Pacific Islander, 1.85% from other races, and 2.31% from two or more races. Hispanic or Latino people of any race were 4.72% of the population.
There were 15,549 households, out of which 34.1% had children under the age of 18 living with them, 56% were married couples living together, 9.3% had a female householder with no husband present, and 31.3% were non-families. 27.2% of all households were made up of individuals, and 9.4% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 3.02.
In the city the population was spread out, with 27.2% under the age of 18, 7.5% from 18 to 24, 27.1% from 25 to 44, 25.4% from 45 to 64, and 12.8% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 96 males. For every 100 females age 18 and over, there were 93.2 males.
The median income for a household in the city was $53,092, and the median income for a family was $82,354 (Money CNN). Males had a median income of $52,648 versus $30,472 for females. The per capita income for the city was $25,494. About 5.7% of families and 8.2% of the population were below the poverty line, including 10.8% of those under age 18 and 5.6% of those age 65 or over.
Richland is served by Richland Airport, located in the city, as well as the Tri-Cities Airport, located in nearby Pasco. Both have only domestic flights. Also in Pasco is an Amtrak station, where the Portland-Chicago Empire Builder makes a stop.
Ben Franklin Transit provides bus transportation within Richland and the Tri-Cities area.
Richland's sister city is:
- ^"Kiwanis Club of Atomic City, Richland, Washington".
- ^Ryan Lukson at ci.richland.wa.us
- ^"2019 U.S. Gazetteer Files". United States Census Bureau. Retrieved August 7, 2020.
- ^ ab"U.S. Census website". United States Census Bureau. Retrieved 2012-12-19.
- ^ ab"Annual Estimates of the Resident Population for Incorporated Places in Washington: April 1, 2010 to July 1, 2019". United States Census Bureau. May 2020. Retrieved May 27, 2020.
- ^"US Board on Geographic Names". United States Geological Survey. October 25, 2007. Retrieved January 31, 2008.
- ^"Annual Estimates of the Resident Population for Incorporated Places in Washington: April 1, 2010 to July 1, 2019". United States Census Bureau. May 2020. Retrieved May 26, 2020.
- ^Meany, Edmond S. (1923). Origin of Washington geographic names. Seattle: University of Washington Press. p. 244.
- ^"Home Blown: The History of the Homes of Richland". City of Richland. Archived from the original(pdf) on 2011-07-18. Retrieved 2010-11-14.
- ^"Hanford.gov". Archived from the original on 2013-02-14.
- ^"Green Living Awards". Archived from the original on 2013-10-17. Retrieved 2013-10-17.
- ^Herald, Tri-City (September 28, 2013). "Community Center to Hold Green". Tri-City Heral. Archived from the original on August 9, 2014. Retrieved October 17, 2013.
- ^City website, Richland (April 4, 2016). "Swift Corridor and Future City Hall". Archived from the original on August 22, 2016. Retrieved June 24, 2016.
- ^Schilling, Sara; Herald, Tri-City. "Richland Police Department honors officers".
- ^"City of Richland CAFR". Archived from the original on 2016-01-29. Retrieved 2015-07-25.
- ^"Archived copy". Archived from the original on 2017-02-11. Retrieved 2017-02-09.CS1 maint: archived copy as title (link)
- ^"US Gazetteer files: 2010, 2000, and 1990". United States Census Bureau. February 12, 2011. Retrieved April 23, 2011.
- ^"US Gazetteer files 2010". United States Census Bureau. Archived from the original on January 12, 2012. Retrieved 2012-12-19.
- ^Metcalf, Gale (August 13, 1980). "Pasco, Richland tangle on Franklin annexation". Tri-City Herald. p. 1.
- ^"Court upholds Pasco in annexation battle with Richland". Tri-City Herald. Associated Press. January 26, 1984. p. B1.
- ^Richland v. Boundary Review Board, 100 Wn.2d 864 (Washington Supreme Court January 26, 1984).
- ^Cary, Annette (July 9, 2021). "Hottest day ever near Tri-Cities. It's just one of many records smashed in heat wave". Tri-City Herald. Retrieved September 9, 2021.
- ^"RICHLAND, WASHINGTON (457015)". Western Regional Climate Center. Retrieved April 25, 2016.
- ^"Census of Population and Housing". Census.gov. Retrieved June 4, 2016.
- ^Garcia, Mark (7 February 2018). "Astronaut Candidate Kayla Barron". National Aeronautics and Space Administration. Retrieved 9 December 2020.
- ^Culverwell, Wendy (October 25, 2019). "Mattis could receive Congressional Gold Medal under Newhouse proposal". Yakima Herald-Republic. Retrieved 2019-10-29.
- ^Jimmy McLarnin, Top Boxer Called Baby Face, Dies at 96
- ^"Sister cities". hccg.gov.tw. Hsinchu City. Retrieved 2021-05-07.
- Kate Brown, Plutopia: Nuclear Families, Atomic Cities, and the Great Soviet and American Plutonium Disasters. Oxford: Oxford University Press, 2013.
- Barbara J. Kubik, Richland, Celebrating Its Heritage. Richland, WA: City of Richland, Washington, 1994.
- Paul Loeb, Nuclear Culture: Living & Working in the World's Largest Atomic Complex. Philadelphia, PA: New Society Publishers, 1986.
- Christine F. Noonan, Federal City Revisited: Atomic Energy and Community Identify in Richland, Washington. PhD dissertation. Ball State University, 2000.
- S.L. Sanger, Hanford and the Bomb: An Oral History of World War II. Seattle, WA: Living History Press, 1989.
|Wikivoyage has a travel guide for Richland.|
Richland State Bank Login
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State Bank of Lincoln provides banking services. The bank offers financial, personal, business and loan facility services. The bank was founded in 1867
State Bank of Lincoln online services are designed to give the members a fast and secure access to all the banking services offered. There is also a mobile app that customers can download on their smartphones so that they can bank even when they are on the go. We have covered steps that can help you to easily manage your bank account online. The steps involve: logging in, changing password and signing up.
How to login
The login process is very straightforward for members who have valid login details. The quick steps that you will need to follow have all been covered here:
Step 1-Open https://www.sblincoln.com/
Step 2-Type in a valid user ID and also your password and then click login to continue
You need to make sure that all the details you have provided here as logins are correct
How to reset your password
Members who have registered already and have an online account with the bank can change the password to continue accessing the banking services over the internet. Here are steps to follow to reset your password:
Step 1-Type in your login details. Because the password is wrong, you will get an error and you will navigate to the page shown below
Step 2-Click forgot password
Step 3-Type in your netteller internet banking ID, email subject and email address on file and click continue
How to sign up
The signing up process is easy and this is because the bank wants as many customers as possible to enroll for the online banking services. The steps you need to follow to enroll have all been covered here:
Step 1-Click options & help on the top right corner of the website
Step 2-Click apply now
Step 3-Fill the form you see there, print it and take it to the nearest branch for registration
Manage your State Bank of Lincoln account online
- Review your transaction history
- Schedule a payment
- Pay your bills
- Customer support
Highest Yielding CD Rates for Aberdeen, SD
What are Certificates of Deposit (CDs)?
CDs, often also called time deposits, are a savings vehicle similar to a savings or money market account, but guaranteeing a fixed rate in return for a consumer’s commitment to keep the money deposited until a specified date (the maturity date). Only in rare circumstances, and with the payment of a penalty, can the money be withdrawn early, and then it is at the bank’s discretion.
What are advantages and disadvantages of certificates of deposit compared to a savings account?
Since the rate is fixed, you avoid the risk of falling savings rates. You take on the risk of rising rates. Rates are above savings rates to compensate you for the risk of rising rates and to provide you with a premium for agreeing to keep your money on deposit until maturity. You should consider the rates above carefully in comparison with the best savings rates that may be available to you. Depending on your view of the direction of rates and the trajectory at which you believe they will rise, you may be more inclined to stick with shorter maturities (1-year) or you may find that that the premium of any CDs over savings rates does not provide adequate compensation.
What are the top current CD rates?
The table above lists best CD rates currently offered for several different maturities (lengths). Rates on longer maturities are ordinarily higher as they provide greater compensation for the risk of rising rates and provide you with a greater premium of depositing your money for a longer time.
Are the funds in certificates of deposit insured?
CDs in FDIC-insured or NCUA-insured institutions are insured so long as you remain within relevant insurance limits, ordinarily to a maximum of $250,000 within an ownership category. If you hold a CD that is accruing interest during the course of CD, you may wish to consider depositing no more than such amount that will, when combined with any other accounts you have at the bank or credit union, exceed $250,000 at maturity.
What is a reasonable Early Withdrawal Fee?
An Early Withdrawal Fee (also called an Early Termination Fee) is the fee charged by a bank for early termination of a CD (termination before maturity). This fee is ordinarily expressed by the bank in terms of months of interest, rather than as a flat fee, and if the CD is cancelled before that period has passed may reduce principal. A reasonable fee for early withdrawal from a CD (early termination of a CD) is said to make the CD more liquid. Rates & Info believes that a reasonable early withdrawal fee for a CD of less than one year is 3 months’ interest and a reasonable early withdrawal fee for a CD of 18 months to 5 years is 6 months’ interest. In a rising interest rate environment or one where you require liquidity, you should avoid CDs with more onerous Early Withdrawal Fees. Under any circumstance, you may wish to also favor No Penalty CDs. You may wish to read this important article in a competing website which indicates that banks may retain the right not to allow early termination even with payment of this fee.
Should I invest in CDs?
Your own risk tolerance level and personal situation determines your allocation to cash versus risk assets. Cash can be apportioned between savings accounts and CDs. However, if you feel interest rates will rise quickly, you should keep all of your cash in high-interest savings accounts.
The graph above shows how the average rates for CD accounts have trended over the last several years.
The graph above shows the difference in rate between average 5-year CD rates and average 1-year CD rates.
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14 best entertainment apps for students
Give your smartphone or tablet a boost and get more out of it. TikTok Short videos that conquered the world. Videos with funny voiceover, dancing cats and dogs, DIY instructions, and recipes for new dishes - subscribe to their creators and make cool videos on your smartphone yourself! To say the truth, this app takes a lot of time. Before installing it be sure that you have extra hours. Getessay writerhelp and relax! Twitch The app doesn't just feature streams (online broadcasts) from gamers. There are music channels and channels with knitting, plant care, or just about everyday life. Pure For those who are bored with Tinder. The main feature of the service is anonymity: you only need mail to register, chats are encrypted and are automatically deleted after 24 hours. Snapchat The application blew up the internet thanks to funny masks and unusual effects. Here you can not only communicate and share bright moments but also play online games, see on the map where your friends are now and how they are doing, see stories shot nearby. GeForce Now A platform that allows you to play heavy computer games on your smartphone - even if they are not adapted for Android. All data is processed in the cloud, and you get a ready-to-play video stream. Thus, you only need a fast and stable Internet to play cool gameplay. TV Time Movie and TV Series Tracker. The app picks up options based on your viewing history and keeps track of new episodes. You can also leave reviews of projects here to help other users make choices. Lazy IPTV An app for watching a wide variety of TV channels on your smartphone. Sports, movies, popular shows - choose what interests you and stop fighting for the TV remote control! To find channels you need playlists: you can find them on the 4PDA forum and other resources. Equalizer Music Player Booster Equalizer will improve the sound quality so you can enjoy listening to music or audio tracks in movies. You can also set a special sound atmosphere so that you can get deeper into your favorite mobile game and notice every movement of the enemy or monster. CoolReader One of the best e-book readers. In it, you will be able to set up a comfortable design and brightness of the screen, and even pages will rustle when you flip through them. Many formats, dictionaries, day and night profiles are supported. Onefootball A good app for soccer fans. In it, you will find match results, news, transfer reports, statistics, videos of the best moments, and a lot of other relevant information. Strava Barely the best app for runners and cyclists. It will help you keep track of your progress - even if you do not exercise professionally, but just like to explore new paths and actively spend time. The app synchronizes with smartwatches and fitness trackers, builds routes on maps and allows you to share them on social networks, and helps you find like-minded people. Google Lens A smart app that allows you to scan your surroundings, recognize objects, copy text, search for products, and much more. It is your "virtual eyes" with artificial intelligence: with Google Lens, you can find everything on the Internet that falls within the "field of view" of your smartphone camera. For example, to determine the breed of a cat or a clothing brand, to translate the text of a pointer into the language you understand, and so on. Waze A simple and convenient navigator with additional functions. For example, it allows you to share information with other users: to report a pothole, road works, police ambush, and so on. The maps in Waze are quite accurate, the sounding is convenient, there are tips on the lanes and smart route rebuilding if there is a traffic jam ahead. Yummly A versatile menu planner: it allows you to create recipes, taking into account the products that are in your fridge, and make shopping lists. The app takes into account your preferences and allergies, helping you to diversify your meals and not to buy unnecessary items.Read More
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