Of Special Interest..

Since all of our CD's are different in detail, the interest rates may vary. Most of our rates are fixed, but variable interest rates can be arranged for the confident long term investor. Upon opening your CD, you will receive a disclosure document that tells you the interest rate on your CD and whether the rate is fixed or variable. Premier Finance pays interest semi annually by electronic transfer of funds which would be wired directly into your account.

"Aligning your portfolio strategy with your objectives is a critical factor in determining long term success."

If you are considering investing in a variable- rate CD, there is a "bonus rate" feature included in some packages where the interest rate increases over time according to a pre-set schedule. Other variable-rate CD's pay interest rates that track the performance of a specified market index, such as th S&P 500 or the Dow Jones Average.

                               Interest Rates:

                          Today /Last Month / Last Year

                    A.  3.9%      3.5%       3.0% 

                    B.  5.5%      5.3%       4.2%

                    C.  6.9%      6.6%       6.2%

                                A.P.Y%:

                    A. 5.00% MONTHLY

                    B. 5.42% MONTHLY

                    C. 5.42% MONTHLY

We are currently the only investment brokerage who offers the option to deny any taxable holdings from the interest of your CD's. This is the FIRST EVER tax-free version of certificates of deposit.

Our CD's are deposited into partnership banks in Guam, Germany, and Iceland, backed by U.S real estate. State and Federal taxes CANNOT be withheld. This is the first ever convenience of it's nature offered in CD investing.

Private investors in Guam, Germany, and Iceland invest in U.S real estate projects, and choose Clyde Van Barrel for the funding of their financial ventures. Clyde Van Barrel in turn offers CD's which correspond with these investments to private investors, who can now have the opportunity to cash out thier CD's without federal and  state taxes being with held.

So how does this work you might ask? Lets say that an investor has $30,000 to invest over a 10 year time frame, and would like to make the highest return on the investment possible. We may suggest an account overseas, maybe in a country in Europe or Kuwait, simply because these places do not withdraw taxes from the interest gained on accounts if you are not a "citizen" of those countries, quite similar to France. So, Kuwait for instance, would mean that the $30,000 would be invested into a Kuwaiti account, which would then become about $10,125 kuwaiti Dinars. Now over a period of 10 years this investment would gain interest, but not at the same rate that a U.S bank would gain interest, because the interest is being gained in "Kuwaiti Dinars"!!! So, 3.5% interest on a Kuwaiti Dinar would be about 11.5% interest on a U.S dollar, because the currency is 3 times greater when converted. So, in about 10 years the investor would have gained a substantial tax free interest on this investment.

The question you should always ask yourself is: Does this investment make sense for me? A high -yield, long term cd with a maturity date of 15 to 20 years may make sense for many young investors who want to diversify their financial holdings. But it might not make sense for older investors. If you decide that you have invested in a long-term, brokered CD when you intended to invest in a shorter-term instrument, simply notify the Clyde Van Barrel brokerage as soon as possible. The sooner it is brought to our attention, the sooner you can get your money back.