There are 5 essential elements to a financial emergency plan:

It’s difficult to believe the holidays are just about here, but that means it’s more important than ever to prep your budget for outings, presents and travel. Are you worried you might end up in the red in 2012? A high-yield Birmingham savings account can help you put away some extra cash over the next few months.

Everyone has a preference when it comes to where they like to bank. Some prefer the convenience of national chains, while others may actually belong to a credit union. A large number of local residents happen to prefer the smaller, community-oriented Birmingham banks.

When looking around for a new bank account near you, you likely look for the highest Birmingham interest rate as a way to determine which account is best. While interest rates are extremely important, the deposit account with the very highest rate near you isn’t the only good option.

The holiday season is getting nearer and you’re most likely preparing to start gift shopping soon. Is your budget ready to handle the added expenses the end of the year always brings? If the answer is no, it’s time to beef up you current savings. One of the easiest ways you can do this is by obtaining a more competitive interest rate on your savings account. So where can you find the highest savings rates in Birmingham today?

CD rates aren’t as high as they used to be–twenty years ago, they garnered around 10% on your 60-month investment. Now, however, Birmingham CD rates are just over 2% on a 5-year term.

The foundation of having no money problems is really very simple. You just need to live by three laws, or as some financial experts call it – the 3 Rules of Money Management.

Have you been saving money this summer? If you’ve been spending more on vacations and shopping this season than you care to admit, there’s no reason you can’t get your finances back on track today. There are many banks and credit unions in Birmingham, AL offering great savings accounts that will maximize your deposits. Below are the best Birmingham savings account rates today.

Birmingham community banks tend to be a popular choice because of the competitive rates they offer, but credit unions in Birmingham also offer some of the best rates, as well You can see a list of the credit unions in Birmingham with the highest interest rates below, along with the average CU rates across various deposit accounts.

Whether you’re looking for a simple savings account or longer-term commitment like a certificate of deposit, the interest rate it earns is very important. The best rates depend on where you live, as some locales have higher rates that others. That’s why knowing the average interest rates in your home town, like the average Birmingham interest rates, will help you determine which banks and credit unions near you have the best offers on deposit accounts.