Find Certificate of Deposit - CD Rates in Your Area

Have more than $250,000 to invest but still want the insurance protection of the FDIC? There is a way to have FDIC insurance protection for more than $250,000 without having to open and maintain certificate of deposit accounts at many different banks.

The Certificate of Deposit Account Registry Service offers up to $50 million in FDIC insurance protection while having one account and dealing with one bank. The only downside is the CD rates that CDARS member banks offer might not be the highest CD rates around.

Find the best CD rates at banks and credit unions by searching our CD rates table here: Best CD rates. You can also find a list of the best savings account rates here: Best Savings Account Rates.

When you invest in certificates of deposit with CDARS the service spreads your monies out among many different CDARS member banks keeping your deposits below the $250,000. Doing so makes sure your investment is still guaranteed by the FDIC.

Another big benefit to using the service is only have to deal with one bank, have one statement and earn the same bank CD rate on your entire deposit. The CDARS is available to individuals, businesses, nonprofit organizations, public fund managers, trustees and financial advisors.

You can find a list of member banks by either searching by the bank’s name or the state. You can search the CDARS netword here: CDARS Network.

Sallie Mae is also advertising 36 month certificates of deposit with a current CD interest rate of 1.29% with a CD interest yield of 1.30%. 60 month certificate of deposit rates are advertised at 2.07% with a yield of 2.09%. 

Sallie Mae CD Account Benefits

• Interest is compounded daily and credited to the account monthly.
• Early withdrawal penalties are 3 months of simple interest for CD accounts 12 months or less.
• Early withdrawal penalties for CD accounts greater than 12 months are 6 months simple interest.
• Accounts are insured by the Federal Deposit Insurance Corporation for up to $250,000. FDIC Cert number is 58177.
• No minimum balance
• No monthly fees

Opening a CD account at Sallie Mae Bank is quick and easy. For a list of current CD rates and to open an account go to: Sallie Mae CD Account Application.

Grand Bank, N.A, headquartered in Hamilton Square, New Jersey, is offering some of the best CD rates available at any bank or credit union. Both short term CD rates and long term CD rates are good deals at the bank. 3 month bank CD rates are at 0.50% with a bank CD yield of 0.50%. That rate is higher than the national average 3 month rate of 0.23% as reported by MonitorBankRates.com.

You can get a list of the highest CD rates at banks and credit unions by searching our rate tables here: Highest CD Rates.

Grand Bank’s 6 month CD interest rates are currently at 0.90% with a CD yield of 0.90%. The bank’s 6 month rate is better than most 12 month CD rates at banks. Grand Bank’s rate is more than three times the current national average rate of 0.27%.

Grand Bank’s other bank CD rates are also considerably higher than the average rates.  1 year certificate of deposit rates are currently at 1.19% with a CD yield of 1.20%. Current 60 month CD rates are going for 2.76% with a CD yield of 2.80%.

The bank is also advertising two No Penalty CD rates. A 6 month No Penalty rate of 0.60% and a 12 month No Penalty rate of 0.70%.

CD Rates from Grand Bank

• 3 Month Rate .50% Yield 0.50%
• 6 Month Rate 0.90% Yield 0.90%
• 12 Month Rate 1.19% Yield 1.20%
• 15 Month Rate 1.21% Yield 1.22%
• 18 Month Rate 1.24% Yield 1.25%
•  24 Month Rate 1.73% Yield 1.75%
• 36 Month Rate 1.98% Yield 2.00%
• 48 Month Rate 2.08% Yield 2.10%
• 60 Month Rate 2.76% Yield 2.80%

Use our free CD calculator to calculate your investment return when investing in certificates of deposit.

Millennium Bank based in Junction City, Kansas, is offering some of the best bank CD rates available right now. Millennium Bank’s current CD rates on 12 month certificates of deposit are at 1.45% with a CD yield of 1.46%. That rate is much higher than the national average 12 month rate of 0.53% as reported by MonitorBankRates.com.

Compare CD rates at banks by searching our rate tables here: CD Rates at Banks. You can also compare the best savings rates here: Best Savings Account Rates.

Millennium Bank’s shorter term CD rates are also very competitive. Current 91 day bank CD rates are at 0.60% with a bank CD yield of 0.60%. The national average 3 month rate is much less at 0.24%.182 day CD rates are at 1.00% with a yield of 1.01%. The national average 6 month rate is only 0.28%.

CD Rates Millennium Bank

91 Day CD Rate 0.60% CD Yield 0.60% 
182 Day CD Rate 1.00% CD Yield 1.01% 
9 Month CD Rate 1.10% CD Yield 1.11% 
1 Year CD Rate 1.45% CD Yield 1.46% 
2 Year CD Rate 1.70% CD Yield 1.72% 
3 Year CD Rate 1.90% CD Yield 1.92% 
4 Year CD Rate 2.10% CD Yield 2.13% 
5 Year CD Rate 2.50% CD Yield 2.53%

In addition to offering some of the highest CD rates Millennium Bank is also offering some of the highest savings rates right now, read more here: Millennium Bank Savings Account Rates.

For a current list of CD interest rates at Millennium Bank go to: Millennium Bank CD Rates.

Denham Savings of Dedham, Massachusetts, is offering some of the highest certificate of deposit rates available from any bank or credit union. Denham Instituition for Savings is advertising bank CD rates with terms of 3 months to 5 years.

Search and compare CD rates by using our rate tables here: Highest CD Rates.

The bank’s current 3 month rate is 0.40% with a CD yield of 0.40%. 3 month CD rates at banks are averaging less than that rate at 0.24%.

Other short term CD interest rates that are good deals at the bank include their 6 month CD rate of 0.60% and their 12 month CD rate of 0.90%.

Long term CD rates include the bank’s 4 year rate of 1.85% with an APY of 1.87% and the bank’s 5 year rate of 2.25% with an APY of 2.27%.

Denham CD Application and CD Rates

Quaint Oak Bank of Southampton, Pennsylvania, is offering some of the highest CD rates available from any bank or credit union. Unlike most other banks right now Quaint Oak Bank actually raised their CD rates recently. The bank’s highest CD rates are on their 5 year certificates of deposit. Current 5 year bank CD rates are at 2.77% with an bank CD yield of 2.85%. That rate is one of the top CD rates available right now.

Compare CD rates from several different banks and credit unions at CDRates.MonitorBankRates.com.

Other CD interest rates at Quaint Oak Bank that are very competitive right now include the bank’s 6 month CD rates. Current 6 month rates are at 0.83% with a bank CD yield of 0.85%. The national average 6 month rate is only 0.372% as reported by MonitorBankRates.com.

Current 1 year CD rates are also better than most 12 month CD rates at banks. The bank’s 1 year rate is at 1.13% with a yield of 1.15%. The current national average 1 year CD rate is only 0.581%.

 Quaint Oak Bank CD Rates

6 Month CD Rates 0.83% CD Yields 0.85%
12 Month CD Rates 1.13% CD Yields 1.15%
18 Month CD Rates 1.27% CD Yields 1.30%
24 Month CD Rates 1.42% CD Yields 1.45%
36 Month CD Rates 2.05% CD Yields 2.10%
48 Month CD Rates 2.34% CD Yields 2.40%
60 Month CD Rates 2.77% CD Yields 2.85%

The CD rates listed above are for both regular and IRA certificates of dpeosit. The minimum opening deposit is $500. For a list of current bank CD rates go to quaintoak.com.

We have compiled a list of the best CD rates in New Orleans, LA, with certificate of deposit terms of  3 months, 6 months and 12 months. The best 3 month certificate of deposit rate on our list in New Orleans is from Tennessee Commerce Bank (TCB). The bank’s current 3 month CD rate is 0.55% with a 3 month CD yield of 0.55%.

Get the best CD rates in your state by searching our CD rate tables at CDRates.MonitorBankRates.com

For the highest 6 month certificates of deposit rate on our list in New Orleans Ally Bank has the best CD rate. Ally Bank’s current 6 month bank CD rate is 0.94% with a bank CD yield of 0.94%.

E-Loan.com tops our list of best 1 year CD rate. E-Loan’s current 12 month certificate of deposit rate is 1.25%with an APY of 1.26%.

Here are lists of the highest CD rates from banks and credit unions complied from our rate lists for New Orleans.

Best 3 month CD Yields:

• Tennessee Commerce Bank Yield 0.55% Min $2500 
• Discover Bank Yield 0.50% Min $2500 
• E-LOAN.com Yield 0.50% Min $10,000 
• Nationwide Bank Yield 0.50% Min $10,000 
• Ally Bank Yield 0.49% Min $ 1 

Best 6 month CD Yields:

• Ally Bank Yield 0.94% Min $ 1 
• Discover Bank Yield 0.90% Min $2500 
• Giantbank.com Yield 0.85% Min $2500 
• Nationwide Bank Yield 0.80% Min $10,000 
• ING DIRECT Yield 0.75% Min $ 1 

Best 12 month CD Yields:

• E-LOAN.com Yield 1.26% Min $10,000 
• Bank of Internet USA Yield 1.21% Min $1000 
• Discover Bank Yield 1.20% Min $2500 
• Ally Bank Yield 1.20% Min $ 1 
• Sallie Mae Yield 1.20% Min $

Use our free CD rates widgets to display national average CD rates on your website.

Right now on our list of national 2 year CD rates Bank of Internet has the highest rate. Bank of Internet’s current 2 year CD interest rate is 1.49% with a CD yield of 1.50%. That rate is considerably higher than the current national average 2 year rate of 0.937% as reported by MonitorBankRates.com.

Find the best CD rates at banks and credit unions by searching our rate tables at CDRates.MonitorBankRates.com.

The second best 2 year rate on our list is from Union National Bank. 2 year bank CD rates at Union National Bank are currently at 1.48% with a yield of 1.49%. You might not have heard of Union National Bank they are based in Elgin, Illinois and are starting to make a national presence.

The third highest CD rate on our list is from Ally Bank. Ally Bank’s 2 year Raise Your Rate CD has a rate of 1.47% with a yield of 1.48%. With this CD account you get to raise the rate once during the term if CD interest rates rise.

The fourth best rate is from Tennessee Commerce Bank. The bank’s current 2 year rate is 1.44% with a yield of 1.45%. Rounding out the top 5 CD rates is Discover Bank and AIG Bank. Both banks are offering 24 month CD rates at 1.39% with a yield of 1.40%

Highest National 2 Year CD Rates

Bank of Internet USA 1.49% Yield 1.50% Min $1000 
Union National Bank 1.48% Yield 1.49% Min $5000 
Ally Bank 1.47% Yield 1.48% Min $ 1 
Tennessee Commerce Bank 1.44% Yield 1.45% Min $2500 
Discover Bank 1.39% Yield 1.40% Min $2500 
AIG Bank 1.39% Yield 1.40% Min $2500 
EverBank 1.35% Yield 1.36% Min $1500 
First Internet Bank of IN 1.32% Yield 1.35% Min $1000 
Nationwide Bank 1.34% Yield 1.35% Min $10,000 
Pentagon Federal Credit Union 1.24% Yield 1.25% Min $1000 
American Express Bank 1.24% Yield 1.25% Min $ 0 
Giantbank.com 1.20% Yield 1.21% Min $2500 
Third Federal 1.14% Yield 1.15% Min $500 
ING DIRECT 1.00% Yield 1.00% Min $ 1 
EmigrantDirect.com 1.00% Yield 1.00% Min $1000 
E-LOAN.com 1.00% Yield 1.00% Min $10,000

Right now on our database of national CD rates Tennessee Commerce Bank tops our list. Tennessee Commerce Bank is currently offering bank CD rates at 1.29% with a bank CD yields at 1.30%. Tennessee Commerce Bank’s rate is more than double the current national average 12 month rate of 0.568% as reported by MonitorBankRates.com.

Find the best CD rates at banks and credit unions by searching our rate lists at CDRates.MonitorBankRates.com. We list both national and local CD rates.

The second highest CD rate on our list of national rates is from a bank in Elgin, Illinois. Union National Bank is offering 12 month CD interest rates at 1.21% with a CD yield of 1.22%. Union National Bank’s rate is also more than double the current national average.

The third best CD rate on our list is from an online bank based in San Diego, California. Bank of Internet USA is offering 1 year CD rates at 1.20% with a yield of 1.21%.

Two banks are listed with the fourth best rate on our list. Discover Bank and Ally Bank are both offering 1 year rates at 1.19% with a yield of 1.20%.

Rounding out the top 5 national CD rates is AIG Bank and Nationwide Bank. Both banks are offering 12 month rates at 1.14% with a yield of 1.15%.

Just to give you an idea of how many banks are not really interested in collecting deposits these days at the low end of our rate list is Citizens Bank. The bank is offering 1 year CD rates at a measly 0.05%.

Right after them is Wachovia Bank with a rate of 0.15%. Several big banks are also offering really low rates. HSBC Bank, Chase Bank and Bank of America are all offering 1 year rates at 0.20%.

Why collect deposits when you can borrow from the Fed for next to nothing?