Gaming equipment (which non-gamers mis-call “toys”) can get expensive and saving for them might be something you consider a life-long endeavor. Short and medium term CD accounts might be the way. Here's a look at what Chase CD rates offer right now for the shor-term investor.

The six month term CD rates at Chase Bank are only 0.25% APY, but a special 9 month term gives a nice 1.10% APY instead. Those are both available online.

The one year term Chase Bank CD rates are also 0.25% APY, but a special thirteen month term gives a 1.25% APY, which is definitely worth that extra month. If you can go out to eighteen months, you'll get a 1.75% APY.

Certificates of deposit are great for specific savings since they allow you to deposit a set sum of money (Chase's minimum deposit is $1,000 on a CD) and then get a fixed rate of return on it. So if CD rates at Chase Bank for your term are 1.0%, you'll see a set return of $10/term. The longer terms compound more often, so a year could see that $1,000 turn out an extra $60 or more.

Plus, CD accounts are no-risk investments, so your money is guaranteed. Chase CD rates change regularly, but all accounts are FDIC insured to the fullest extent of the law so you won't lose out.

There are others that can qualify for this modification program if they can prove that by making their current home mortgage it would cause irrefutable financial hardship to the homeowner and their family. There is current a form that can be filled out with the Bank of America to submit your qualifications for this program.

If accepted you may receive lower interest rates and this is the best outcome. For others a deferment of payments will only be a temporary fix. This is an attempt by the bank to still get the entire original mortgage loan out of you. Insist on a lower interest rate that is permanent for your loan. The Bank of America has already lost their court case because of some of their shady dealings in the mortgages they wrote.

Most of all be patient and remember the person you are dealing with at the bank is just a person like you and me. Be respectful but firm. The Bank of America does not need any more homes going into foreclosure and they will do what they can to prevent it for their sake, not yours.

A lower interest rate is how the Bank of America Loan Modification Program could save you money. If you would like to know more about this, please visit Bank of America Online Banking.