Dear Investor,
Most bank accounts yield a laughable 1.25% - at most.
But one small, unheard-of specialty bank is offering an 8.2% annually to its members � full stop.
You haven't heard about this bank anywhere else because they don't advertise their rates on any website. They don't have a single branch outside of their Manhattan offices.
They're completely no frills.
No free pens or calendars. No mints in a bowl by the teller. No fancy safe-doors, bulletproof glass, ATMs, security guards, red-velvet ropes or polished marble floors.
Nothing but a small office in the "old-money section" of Midtown Manhattan on Park Avenue, near the Waldorf, and an 8.2% annual yield.
It might sound old fashioned, but this bank has one simple, straightforward: borrow low and lend high.
They don't mess around with high leverage, risky mortgages or any other new-fangled tricks.
And their simplistic, "old" way of banking has brought them a large degree of success.
How much? Well, they currently have a 152% profit margin.
That means, for every $10 they lend out, they get over $25 back.
That's part of the reason why they're able to pay out such high yields to their members.
Before I get ahead of myself, you should know that the minimum amount of money to get started with this bank is currently UNDER $20.
There's no monthly service fee. No check-writing fees � and no service fees whatsoever.
If this sounds hard to believe, I don't blame you.
But it's true. - Last year, Ms. Paula G. Schwartz, a 58 year old former airline employee collected over $7,208 from this bank � or about $140 every week.
- 45 year old Berta St. Cruz saw her account go up by $16,443 in the month of December, 2010 alone. She's been a member of the 8.2% bank since 2007.
These two individuals only tell part of the story...
The real money is being collected by the big banks and mutual funds on Wall Street...
- Like Vanguard � the world's largest mutual fund company. They collected $16.4 million from this 8.2% bank in 2010. They'll collect at least that much in 2011.
- T. Rowe Price is collecting 8.2% in interest from this bank too. The money management firm made $8.6 million in 2010.
- Legg Mason...Oppenheimer...Fidelity... the list goes on and on. It's basically a "who's-who" of banks and mutual funds � all collecting 8.2% a year from this secret bank.
And they're all keeping it a secret from you!
But not anymore.
I'm going to give you all of the details on how you can get started with this bank TODAY, for less than $20, and start collecting an 8.2% yield immediately.
Read on for the full story...
The Untold Story of the Market's Best Savings Vehicle
It's not hard to see why one small bank has been able to soundly trounce the savings account yields of the biggest and "best" banks in the market.
When people think of America's best banks, they think of giant behemoths like Bank of America (NYSE: BAC) or Wells Fargo (NYSE: WFC).
But those two firms still have billions of dollars of bad mortgages on their books. They both have 10 times more liabilities than they have assets.
That means that only 10% of the loans on their books need to go bad, and they're COMPLETELY broke.
As part of FDIC law, these regular, large, common banks are actually allowed to have up to 30 times more liabilities than assets.
Basically, the FDIC has given each major bank in this country more than enough rope to hang itself.
And currently, there are over 800 banks on the FDIC's bankruptcy watchlist. Banks only slightly smaller than Bank of America and Wells Fargo are in danger of becoming completely insolvent.
So it's no surprise, that as a whole, regular old banks can't afford to pay more than 1% on their savings accounts.
They're essentially broke!
In fact, Bank of America received $45 billion in TARP funds. Wells Fargo only took $25 million, on the condition that it raised over $55 billion in additional capital to bolster its balance sheet.
Not only that, but these huge banks paid out billions of dollars in bonuses to their hot-shot traders and board members.
But the bank that pays 8.2% to its members didn't take a dime of bailout funds. They didn't have to raise additional capital either.
They also don't pay out any million dollar bonuses. Their entire board of five people, including the CEO, and two co-founders made $1.2 million combined in 2010 � or less than $250,000 each on average.
Even more amazing, this bank actually paid out HIGHER yields in 2008 and 2009 than they did in 2005, 2006 and 2007. | Year | Yield | | 2005 | 7.6% | | 2006 | 9% | | 2007 | 10.3% | | 2008 | 21% | | 2009 | 18.3% | | 2010 | 9.3% | Look at the table to the right to see their yield history. This bank is so well funded, in part, because it's a very specific type of bank that's NOT ALLOWED to take on more debt than it has assets to cover. That means they can only lend out the money that they have. No more. No shady accounting tricks. No credit default swaps or risky sub-prime mortgages. This bank simply lends its capital to low risk, growth stage small businesses. And then they pay the returns to their members.
And right now, this bank is so well managed that they currently only have 60% of their funds lent out. That's a 40% safety buffer for their members.
The most they've ever had lent out? 91%.
That means if you're a member of this bank, they won't ever use your money to place huge over-leveraged bets. By law, they can only lend out up to 100% of their assets.
And the fact that they keep excess reserves on hand means that they're ready to loan money out to people who need it, when they need it most.
As you can see, this "safe and boring" type of banking is much less risky than regular banking, and in a world of massive bailouts, defaults and risk, it's actually much more profitable.
But how, exactly, does this bank make such outsized profits, and who are they lending to that allows them to pay 8.2% to their members?
The Only Bank that Always Lends to Small Business
The reason this bank can make 150%+ profit margins is that it has the ability to cherry-pick who it lends to.
I'm talking about small business owners who run firms in the $20 million to $200 million range.
CEOs at these companies are in a very unique position of being too big to secure a line of credit from most banks, but too small to "go public" or to get funding from a venture capital group.
But they need cash to grow. They need access to capital in order to fund projects that will let them go public, or to make the next step to being self-sustainable.
They've tried going to Wall Street banks, but no one on Wall Street has the interest or capability of understanding how to fund a small business.
They've tried talking with angel investors or venture capitalists, but they already have too much debt or leverage � or maybe the venture capitalists just aren't interested.
So they have to go, hat in hand to this specialized Manhattan bank to get the funds they need.
In exchange, this Manhattan bank gets collateral from these companies in the form of liens against their assets. They also become partial owners of the company. They typically also become members of the board.
This company thrives in situations where other lenders won't lend � like what happened in 2008 and 2009. Banks didn't lend � mostly because they didn't have anything to lend. Venture capitalists were going out of business.
But this small Manhattan bank had money to lend, and their profits soared. A bulk of those profits (over 90%!) were paid directly to their members in the form of record yields.
In fact, they have to pay out over 90% of their profits to their members BY LAW. A Banking System that HELPS America's Small Businessmen
Currently, this bank is funding the growth of dozens of American companies in the $20 million to $200 million range.
They're basically one of the few financial institutions in this country that are helping small businesses. They're able to cherry-pick the strongest small companies to lend money to, and they collect a tidy profit.
This type of bank has actually existed for more than 30 years.
Back in 1979, the United States was in the bowels of recession. Gold was on the rise. Oil prices had spiked and spiked again in the period of a few years.
Millions of Americans were unemployed, and there didn't seem to be any hope on the horizon.
Sound familiar?
But then President Jimmy Carter announced plans for a new type of lending facility. It would be set up explicitly to lend money to small American businesses.
The catch?
This new lending facility would have to pay out over 90% of its profits to its members. In exchange, it would be allowed to pay ZERO corporate taxes.
That way, Americans were encouraged to invest in small businesses. Small businesses received the funding they needed.
And this new type of bank could pass on the profits to the very people who capitalize them in the first place: income hungry American investors. It was win-win-win.
Since then, hundreds of small businesses have received the income they needed. Tens of thousands of Americans are employed in sustainable American businesses.
And today, there's one specialized Manhattan bank that's still leading the charge.
They're backing over 150 different companies all over the country � in nearly every single state of the union, and in just about every sector of the economy.
They're funding everything from telecommunications, retail, real estate, manufacturing, education, healthcare, investment firms, technology, even beverage and food companies.
So their portfolio is diversified geographically as well as among different sectors.
They're certainly not your average bank � but they're effective at what they do, and they pay their members handsomely.
Okay, there's one thing you need to know to find out the name of this bank.
What You Need to Know Now
As I said, the bank with the 8.2% yield t isn't your typical bank.
You probably haven't heard about this bank, or even known that such a type of bank exists. Except for some Wall Street insiders and bankers, no one else really knows about it either.
But besides the huge payout, there's something else different about how this bank does business.
You see, in order to become a depositor with this bank, by law, you have to become an owner.
As you'll soon see, becoming an owner in this bank is really very simple and fast. You don't need to fill out any paperwork. You don't need a huge amount of cash - as I said, it costs less than $20 to get started.
In fact, all you need is a brokerage account.
That's because you need to be a shareholder of this bank in order to receive your 8.2% payouts.
It may sound confusing, but it's very simple. This bank pays out the lion's share of its profits in the form of quarterly checks to its owners, or depositors. 
I'll give you the full details on exactly how to become an owner of this specialized bank in a research report I just finished called "The 8.2% Manhattan Bank Account."
In it, you'll learn everything you need to know about how to get started as a member - including how to make an initial deposit, as well as how much you can expect to make over the coming months.
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