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11/26/2014
 
BankDirect

1 yr CD
1.170%
11/26/2014
1.160%
$10,000.00
BankDirect, a division of Texas Capital Bank 
Congressional Bank

1 yr CD
1.170%
11/26/2014
1.160%
$50,000.00
Open a CD Online Today! Member FDIC. 
Sallie Mae

1 yr CD
1.150%
11/26/2014
1.140%
$2,500.00
Guaranteed Return. FDIC-insured. 
My e-BAnC by BAC Florida Bank

1 yr CD
1.120%
11/26/2014
1.110%
$500.00
Make sure to check our Jumbo Rates at www.bacflorida.com 
California First National Bank

1 yr CD
1.100%
11/26/2014
1.090%
$5,000.00
 
Colorado Federal Savings Bank

1 yr CD
1.100%
11/26/2014
1.090%
$5,000.00
 
GE Capital Bank

1 yr CD
1.100%
11/26/2014
1.090%
$500.00
No transaction fees. $500 Minimum Deposit. FDIC Insured. Open Now 
Silvergate Bank

1 yr CD
1.080%
11/26/2014
1.070%
$25,000.00
 
Discover Bank

1 yr CD
1.000%
11/26/2014
1.000%
$2,500.00
Rates that consistently beat the competition. Open a CD today! 
First Internet Bank of Indiana

1 yr CD
1.000%
11/26/2014
1.000%
$1,000.00
 
Home Savings Bank

1 yr CD
1.000%
11/26/2014
1.000%
$10,000.00
 
Pentagon Federal Credit Union

1 yr CD
1.000%
11/26/2014
1.000%
$1,000.00
 
The Palladian PrivateBank

1 yr CD
1.000%
11/26/2014
1.000%
$10,000.00
Open an account online today at www.palladianprivatebank.com 
VirtualBank

1 yr CD
1.000%
11/26/2014
1.000%
$10,000.00
FDIC Insured 
giantbank.com

1 yr CD
1.010%
11/26/2014
1.000%
$2,500.00
 
Chartway Federal Credit Union

1 yr CD
0.950%
11/26/2014
0.950%
$2,500.00
Visit chartway.com to open your certificate today. 
Goldwater Bank

1 yr CD
0.950%
11/26/2014
0.950%
$5,000.00
 
HeritageWest Credit Union

1 yr CD
0.950%
11/26/2014
0.950%
$2,500.00
 
Presidential Bank, FSB

1 yr CD
0.950%
11/26/2014
0.950%
$1,000.00
 
TIAA Direct

1 yr CD
0.940%
11/26/2014
0.930%
$1,000.00
TIAA-CREF Trust Company, FSB. Member FDIC 
AloStar Bank of Commerce

1 yr CD
0.900%
11/26/2014
0.900%
$1,000.00
 
Doral Direct

1 yr CD
0.900%
11/26/2014
0.900%
$500.00
 
EH National Bank

1 yr CD
0.900%
11/26/2014
0.900%
$10,000.00
 
E-LOAN

1 yr CD
0.850%
11/26/2014
0.850%
$10,000.00
Easy process. 100% online. No fees. Start earning interest now! 
Barclays

1 yr CD
0.800%
11/26/2014
0.800%
$0.00
No Minimum Balance. No Monthly Maintenance Fees. FDIC Insured. 
Lone Star Bank

1 yr CD
0.800%
11/26/2014
0.800%
$1,000.00
 
Salem Five

1 yr CD
0.800%
11/26/2014
0.800%
$10,000.00
**All deposits FDIC and DIF insured** Apply online/phone today! 
Pacific Mercantile Bank

1 yr CD
0.750%
11/26/2014
0.750%
$10,000.00
#1 Comml Bank/Assets HQ’d in Orange Co CA per OC Business Journal 
USAA

1 yr CD
0.710%
11/26/2014
0.710%
$1,000.00
Competitive rates from USAA. Strong, Stable, FDIC insured. 
TAB Bank

1 yr CD
0.650%
11/26/2014
0.650%
$1,000.00
Member FDIC. Great Rates on Savings. 
ableBanking, a division of Northeast Bank

1 yr CD
0.650%
11/26/2014
0.650%
$1,000.00
$25 New Customer Gift to give to charity (501c3). FDIC insured. 

Data Provided by Bankrate.com Rates are accurate and available as of the date seen for Bankrate customers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate. Bankrate.com has today's most competitive deposit rates. Additional details.
If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the institution you choose, please click here.



We could see higher CD rates in 2014 if the strong job numbers we saw in April’s employment report continue in the coming months. Higher monthly job creations and a lower unemployment rate will force the Federal Open Market Committee (FOMC) to increase the federal funds rate. A higher federal funds rate will force banks and credit unions to increase CD rates.

Long term CD rates have already started moving higher as financial institutions try to get ahead of the curve and lock savers in with low rates. Don’t be enticed to lock into a higher long term rate right now, you’ll regret the move in the next couple of years when rates move higher.

Average 2 year bank CD increased to 1.06 percent this week, up from the previous week’s average 2 year CD rate of 1.03 percent. 5 year CD rates are also higher this week averaging 1.72 percent, up 13 basis points from last week’s average 5 year rate of 1.59 percent. 1 Year CD rates were lower this week averaging 0.87 percent, down from last week’s average 1 year rate of 0.90 percent.

The best CD rates in our 1 year certificates of deposit rate database remain unchanged at 1.06 percent with an APY of 1.07 percent. Virtual Bank is offering that rate and yield on deposits of $10,000 or more. If you don’t have $10k to invest in a CD account, we have other banks offering CD rates just below Virtual Bank’s rate with a much lower minimum deposit.

Listed below are the best CD rates on 1 year certificates of deposit. We recommend staying invested in shorter term CDs because CD rates will be increasing sometime in the next 12 to 18 months.

Best 1 Year CD Rates

  1. Virtual Bank CD Rate 1.06% APY 1.07%
  2. EverBank CD Rate 1.05% APY 1.06%
  3. Able Banking CD Rate 1.05% APY 1.05%
  4. GE Capital Retail Bank CD Rate 1.04% APY 1.05%
  5. GE Capital Retail Bank Optimizer Plus CD Rate 1.04% APY 1.05%
  6. Silvergate Bank CD Rate 1.01% APY 1.01%
  7. My e-BAnC by BAC Florida Bank CD Rate 1.00% APY 1.01%
  8. California First National Bank CD Rate 1.00% APY 1.00%
  9. Colorado Federal Savings Bank CD Rate 1.00% APY 1.00%
  10. Home Savings Bank CD Rate 1.00% APY 1.00%

Related Posts

CD Rates

CD Rates | Best Certificate of Deposit Rates at Banks with the Highest Yields

 
Author: Brian McKay
May 5th, 2014
Posted in: CD Rates from Banks

Heading into the final month of 2013, we close out another year of dismally low CD rates. Until this past month, it seemed that bank CD rates and all other deposit rates would start increasing next year when the Federal Reserve increased the federal funds.

Find Current Rates Here: Best CD Rates

Since December 2012, the Federal Open Market Committee (FOMC), has stated time and again that they would keep the fed funds rate near zero percent until the unemployment rate falls below 6.5 percent. This past month, the Fed has started backing off of that policy statement so there’s no telling when they will increase the fed funds rate and as a result, when CD rates will move higher.

Federal Reserve Backs Off 6.5 Percent Unemployment Rate Threshold

Fed Vice Chair Janet Yellen, who is also the nominee to succeed the current Fed Chairman Ben Bernanke, said the Fed’s policy was likely to stay loose (meaning a zero percent fed funds rate) ”long after” one of the thresholds is crossed.

Ben Bernanke also hinted at a change in policy, “It is also important to note that the thresholds are not triggers.” Bernanke recently stated that rates could stay at rock bottom “well after” the 6.5 percent unemployment threshold was crossed.  In the past year, Janet Yellen has suggested waiting until the unemployment rate falls to 5.5 percent before increasing the fed funds rate. Now it appears the Fed doesn’t want to commit to a set unemployment rate to increase the fed funds rate.

When Will the Fed Increase the Federal Funds Rate?

Now that the 6.5 percent unemployment rate isn’t the threshold that will send rates higher, when will rates increase? Rates will move higher either when there is “full employment” (an unemployment rate of 5.5 percent), or a higher inflation rate. The latter is less likely since deflation has been a big concern over the past several years and the current inflation rate is at a mere 1.7 percent.

If the long term outlook for inflation does move above the Fed’s 2 percent target, interest rates would move higher. The Fed would have to increase the fed funds rate quickly to stay ahead of the inflation curve. With the current rate near zero percent, the increases would be sharp and fast.

Just to get to a more neutral point where the Fed isn’t stimulating the economy or slowing growth, the fed funds rate would have to be between 2 and 3 percent.

1 Year CD Rates Will Increase above 3.00 Percent Within a Year

Fast forward to the fourth quarter of 2014 and hopefully the unemployment rate will be closer to 5.5 percent and inflation will be higher than current levels. This would mean 1 year CD rates will be above 3.00 percent, which is considerably higher than current rates. Right now, the highest 1 year CD rates in our database are at 1.04 percent with an APY of 1.05 percent.

If you have certificates of deposit maturing, don’t renew into new CD account terms longer than 1 year. With rates expected to finally start moving higher by the end of 2014, you wouldn’t want to lock into a longer term CD.

Make sure to stay on top of the maturity dates of your CD accounts so your bank doesn’t automatically roll your funds back into a new CD. This is especially important if you have an account of 1 year or more maturing because your money will end up back in a new CD with the same term.

 
Author: Brian McKay
December 3rd, 2013
Posted in: CD Rates from Banks

As kids head back to school and we head into fall, short term CD rates have barely changed while the best CD rates on long term certificates of deposit move higher. Long term rates are moving higher because long term bond rates are moving higher. In fact, long term bond rates have been surging higher all summer.

10 year bond yields moved higher the past several months on fears the Federal Reserve will wind down the current round of quantitative easing (QE3). Rates have moved much higher even though the Fed hasn’t actually announced any changes to their buying $40 billion a month in mortgage-backed securities (MBS) and $45 billion a month in long term bonds.

10 Year Bond Yields Double While 5 Year CD Rates Increase Only 0.50%

Rates on 10 year bonds moved from around 1.60 percent four months ago to this morning’s rate of 2.89 percent. While long term 10 year bond rates have almost doubled, the highest CD rates on 5 year certificates of deposit are up about .50 percent. Since bank CD rates usually trail bond rates, we will continue to see CD rates move higher in the coming months.

Long term CD rates will catch up with the increase in long bond rates but if the FOMC does slow their purchases, rates will move even higher. Any announcement of winding down QE3 by the FOMC, which meets next week, will send 10 year bond rates into the 3.25 percent to 3.50 percent range.

Higher CD Rates on Long Term CD Accounts at the End of 2013

Long term CD rates which have already moved higher will continue moving higher if the FOMC starts winding down QE3. This will add additional pressure to banks to increase long term CD rates in order to compete with long term bond yields.

A 10 year bond rate of 3.50 percent will probably mean some banks may move 5 year CD rates as high as 2.50 to 2.75 percent. Right now the highest CD rates on 5 year CD accounts are around 2.00 percent.

We probably won’t see 5 year rates increase to those levels until the end of 2013 because of the lag time between bond rates and CD rates. Seeing 5 year rates nearing 3 percent will be nice since we have all suffered with the lowest rates for years now.

Last Time 5 Year CD Rates Averaged Above 2.00 Percent Was Back in 2009

The FDIC’s national average 5 year CD rate this week is at 0.74 percent with a rate cap of 1.49 percent. The last time you could find the majority of banks offering 5 year rates above 2.00 percent was over 4 years ago. The FDIC’s average 5 year CD rate at 2.23 percent with the rate cap at 2.98 percent was back in May 2009.

Stay Liquid in Short Term CDs, Savings Accounts, and Money Market Accounts

Long term rates are increasing right now but I still wouldn’t lock in a long term CD rate. In just a few years, 5 year rates will be back around 4 percent to 5 percent so why lock in 2.00 percent right now? A better bet is to stay liquid in a savings account or money market account.

You can also invest in short term certificates of deposit to earn a slight higher rate over a savings account or money market account. The best CD rates on 1 year certificates of deposit are just north of 1.00 percent while the best savings rates and money market rates are at 1.00 percent or slightly below.

 
Author: Brian McKay
September 10th, 2013
Posted in: CD Rates from Banks

For many years now, certificate of deposit (CD) rates have fallen to record lows as the Federal Reserve has kept interest rates near record lows. If you thought bank CD rates would increase along with the surge we have seen in bond yields and mortgage rates, you’ll be surprised to see that isn’t the case.

Certificate of Deposit Rates Likely to Remain Low Until 2015 or 2016CD rates remain near historical lows despite the fact that 30 year mortgage rates have increased from 3.50 percent on average to 4.50 percent and 10 year bond yields have increased from 1.62 percent to 2.70 percent the past month. Unfortunately, the increase in bond yields and mortgage rates won’t cross over to CD rates any time soon.

We probably won’t see any increase in CD interest rates until at least 2015 at the earliest and any significant increase in rates probably won’t happen until 2016. Last month, the average CD rate on 12 month certificates of deposit was 0.66 percent. This month the average 12 month rate is higher but only averaging 0.70 percent.

An increase of only 0.04 percent won’t help increase the income of seniors who rely on interest income for living expenses. Retirees’ income has been squeezed for years now as interest rates have fallen. Back in 2008, you could find CD rates at banks for 1 year CDs around 5.00 percent.

These days the best CD rates for 1 year CD accounts are just over 1.00 percent and there are only a handful of banks offering 1 year rates above 1.00 percent. Interest rates on all CD accounts are so low, investors in CDs are not even keeping up with the pace of inflation. The past 12 months the Consumer Price Index (CPI), the governments measure of inflation at the consumer level, has increased 1.7 percent.

You can see how investing in the highest CD rates available for 1 year CD accounts doesn’t even keep up with the pace of inflation. Even going out longer term you still won’t be able to keep up with inflation. The national average 2 year CD rate is at 0.84 percent and the national average 5 year CD rate is at 1.33 percent.

Granted, there are a few banks offering 5 year CD rates that are higher than the rate of inflation but their rates are marginally higher. The best CD rate on Monitor Bank Rate’s 5 year rate table this week is at 2.03 percent with an APY of 2.05 percent, 0.35 percent higher than the current inflation rate.

There are a couple of reasons that bank CD rates and credit union CD rates won’t be moving higher any time soon. The federal funds rate has been just above zero percent and the Federal Reserve doesn’t plan on increasing the rate until the nation’s unemployment rate falls below 6.5 percent, which the Fed believes will happen sometime in 2015.

The other factor keeping interest rates low on all deposit accounts is that banks don’t need money. Since the financial crisis, banks had to improve their balance sheets to be able to withstand another crisis. Banks are now flush with cash and are not lending as much as they used to, so there is no need to raise cash by increasing deposit rates.

The best course of action to take until interest rates increase is to stay invested in certificates of deposit of 1 to 2 years. That way you can take advantage of higher CD rates when they finally do arrive. The other alternative is to make riskier investments but as you know, you are risking your principal with those investments.

 
Author: Brian McKay
July 28th, 2013
Posted in: CD Rates from Banks

The Palladian PrivateBank CD RatesThe Palladian PrivateBank is new to our rate table and is already offering some of the best CD rates available. Palladian PrivateBank is a division of The PrivateBank and Trust Company. Both the parent company and the division have deposits insured by the FDIC for the maximum amount allowed by law under FDIC Certificate number 33306.

PrivateBank and Trust Company was established on February 6, 1991 and the bank has it’s headquarters in Chicago, Illinois. Palladian PrivateBank is offering three different certificate of deposit terms, all with competitive CD rates and well above the national average rates available. Probably the best CD rate for the CD term at the bank is on their 12 month certificate of deposit

The Palladian PrivateBank’s Current CD Rates

The Palladian PrivateBank’s CD rate on 12 month certificates of deposit is at 1.00 percent with an APY of 1.00 percent. While the bank’s 12 month CD rate isn’t the best 12 month rate in our database, the 1.00 percent rate gives it the second highest rate. The highest 12 month CD rate in our database right now is from GE Capital Retail Bank at 1.04 percent with an APY of 1.05 percent.

The current national average 12 month CD rate is slightly more than half both these bank’s rates. The current national average 12 month CD rate this week is at 0.67 percent. Both banks are also offering their 12 month rate at almost five times the FDIC national average of 0.21 percent.

The Palladian PrivateBank’s 18 month CD rate is currently at 1.05 percent with an APY of 1.05 percent. This bank’s 18 month rate is the number 1 rate in our 18 month rate database right now.

24 month CD rates offered by The Palladian PrivateBank is also at the top of our 24 month rate list. The bank’s current 2 year CD rate is at 1.10 percent with an APY of 1.10 percent. The bank is tied with the best 2 year CD rate along with Alostar Bank and My e-BAnC.

You can compare The Palladian PrivateBank’s rates along with other CD rates at banks by searching our database here: CDRates.MonitorBankRates.com.

 
Author: Brian McKay
June 21st, 2013
Posted in: CD Rates from Banks

After 5 years of declining CD rates we might actually see higher CD rates in 2014. Several things have to come to pass in order for interest rates to increase next year but they are looking more and more likely to happen. Of course the biggest part of the equation is the economy and the pace of economic growth.

GDP growth the past year has been inconsistent at times with the fastest pace of growth at 4.1 percent in the first quarter of 2012 and the slowest rate of growth at 0.4 percent in the fourth quarter of 2012. First quarter 2013 growth snapped back to 2.5 percent but growth expectations for the entire 2013 is at 1.6 percent, according to The Conference Board’s Global Economic Outlook 2013, January 2013 update.

Higher CD Rates Expected in 2014 as Federal Reserve Ends QE and Increases Fed Funds RateEstimates for GDP growth will probably be revised higher throughout 2013, and the quicker the pace of growth the more likely bank CD rates will move higher sooner than later. Long term bond yields have already moved much higher the last three weeks as the markets sense an end to the Federal Reserve’s loose monetary policies.

The Federal Reserve has been on a quest to drive long term interest rates down to spur economic growth. By keeping the federal funds rate just above zero percent and purchasing mortgage-backed securities and long term bonds, the Fed has succeed in driving interest rates to record lows. Mortgage rates, bond yields, savings rates, money market rates and CD rates have all hit record lows the past year.

30 year mortgage rates hit record lows of 3.27 percent in 2013 and 30 year bond yields hit a record low of 2.53 percent in 2012. Shorter term interest rates have also been driven to record lows by the Fed. Average 5 year CD rates at banks are under 2.00 percent and the highest CD rates on 1 year certificates of deposit are just above 1.00 percent.

The Fed’s purchasing of long term bonds and mortgage backed securities is likely to end sometime late in 2013 if economic conditions continue to improve. The Fed has also stated that they plan to increase the fed funds rate when the unemployment rate falls below 6.5 percent. The unemployment rate for April fell 0.1 percent to 7.5 percent, only 1 percent higher than the point at which the Fed will increase the fed funds rate.

While the Fed purchasing will stop in 2013, the unemployment rate won’t fall to 6.5 percent until sometime in 2014. We will probably see a rate at that level in the second quarter of 2014. At that point, the Fed will increase the fed funds rate to 0.50 percent or even 1.00 percent. A fed funds rate at 1.00 percent will mean 1 year CD rates will move to the 1.75 percent to 2.00 percent range, a nice increase from the highest rates right now of 1.04 percent.

You can find the best national CD rates by searching our rate tables here: cdrates.monitorbankrates.com.

 
Author: Brian McKay
May 28th, 2013
Posted in: CD Rates from Banks

Average bank CD rates on 2 year and 5 year certificates of deposit were lower this week while 1 year CD rates remain unchanged. 1 year CD rates at banks are averaging 0.63 percent this week but you can find many banks offering 1 year rates well above the average. The best CD rates in our 1 year CD rate database are at 1.04 percent with an APY of 1.05 percent. The bank offering that rate and yield is GE Capital Retail Bank.

Bank CD Rates March 27 2013The Federal Deposit Insurance Corporation (FDIC) has average 1 year CD interest rates even lower than the average of 0.63 percent. In this week’s National Rates and Rates Cap Survey released by the FDIC, average 1 year rates are at 0.22 percent – less than one fourth the best rate in our database. Average jumbo CD rates in the FDIC survey this week are not much higher, averaging 0.23 percent.

Average 2 year rates declined to 0.65 percent this week, down from last week’s average 2 year rate of 0.69 percent. The FDIC has average 2 year rates at 0.35 percent, down from last week’s average of 0.37 percent. The highest CD rates on 2 year certificate of deposit in our database are almost double the average at 1.15 percent with an APY of 1.16 percent. The bank offering the best 2 year rate and yield this week is Virtual Bank.

5 year CD interest rates are averaging 1.21 percent, a decline from last week’s average 5 year rate of 1.25 percent. Average 5 year rates in the FDIC survey are at 0.77 percent, a decline from last week’s average 5 year rate of 0.79 percent. The best 5 year rates in our database are from The National Republic Bank of Chicago at 1.85 percent with an APY of 1.87 percent.

Below is a list of the top CD rates for March 27, 2013:

Top 1 Year Rates and Yields

  1. GE Capital Retail Bank 1.04% APY 1.05%
  2. Home Savings Bank 1.00% APY 1.00%
  3. Colorado FSB 1.00% APY 1.00%
  4. Discover Bank 0.90% APY 0.90%
  5. Barclays Bank 0.90% APY 0.90%
  6. Virtual Bank 0.90% APY 0.90%
  7. Ally Bank 0.89% APY 0.89%

Top 2 Year Rates and Yields

  1. Virtual Bank 1.15% APY 1.16%
  2. GE Capital Retail Bank 1.14% APY 1.15%
  3. Home Savings Bank 1.14% APY 1.15%
  4. Barclays Bank 1.09% APY 1.10%
  5. California First National Bank 1.09% APY 1.10%
  6. Ally Bank 1.08% APY 1.09%
  7. Discover Bank 1.04% APY 1.05%

Top 5 Year Rates and Yields

  1. The National Republic Bank of Chicago 1.83% APY 1.85%
  2. Barclays Bank 1.83% APY 1.85%
  3. Nationwide Bank 1.73% APY 1.75%
  4. CIT Bank 1.73% APY 1.75%
  5. EverBank 1.61% APY 1.62%
  6. Discover Bank 1.59% APY 1.60%
  7. Bank of Internet 1.59% APY 1.60%
 
Author: Jason P. Jones
March 28th, 2013
Posted in: CD Rates from Banks

Over the past several years the Federal Open Market Committee (FOMC) has driven bond yields, CD rates, mortgage rates and all interest rates down to record lows. The FOMC has done this by keeping the federal funds rate near zero percent since late 2008, bought long term U.S. Treasuries and mortgage-backed securities.

Federal Open Market Committee Will Send Interest Rates Higher in 2014The FOMC’s policies in recent years have been unprecedented and has infuriated many who believed the policies were fanning inflation. The inflation hawks have quieted down after several years of screaming about the FOMC fanning inflation and creating market bubbles in financial assets. I could see why many are afraid of another bubble after the stock market bubble of the late 1990′s and the real estate bubble in the 2000′s.

Could the naysayers be right about inflation? Probably not, since there is still so much “slack in labor and product markets,” Fed-speak for high numbers of unemployed people and low factory utilization rates. The unemployment rate will fall from current levels between now and 2014 but not to the point of causing high inflation.

Beside keeping the fed funds rate near zero percent, the Federal Reserve has also been buying interest-bearing assets to drive interest rates lower - to the tune of $85 billion a month recently. The Fed has bought so much they have a balance sheet of these assets totaling over $3 trillion dollars. One bright point everyone can agree about the Fed’s actions is that they have made hundreds of billions of dollars over the past several years, helping lower the federal deficit.

Eventually the fed will have to sell these assets and unfortunately, it will sell U.S. Treasuries at a loss to unwind their balance sheet. Another negative when the fed starts selling Treasuries is their actions will send long term bond yields higher. 10 year Treasury yields have already moved higher from a record low of 1.40 percent in July 2012 to just under 2.00 percent today.

Higher Treasury yields are welcome news for investors who buy Treasuries and hold them until maturity. Higher bond yields will eventually send interest rates higher as well. This is also welcome news for investors and especially retirees who rely on interest income in retirement. Right now the best CD rates on 1 year certificates of deposit are just above 1.00 percent.

Longer term certificates of deposit don’t pay much higher of an interest rate than shorter term certificates of deposit. Currently, the highest CD rates on 5 year certificates of deposit are just below 2.00 percent. Not much better than 1 year rates. Thankfully there is hope for higher interest rates in the future.

 
Author: Brian McKay
March 6th, 2013
Posted in: CD Rates from Banks

We recently found one of the best CD rates available at 1.50 percent APY on a 12 month certificate of deposit. Melrose Cooperative Bank is offering their 12 month 50/50 certificate of deposit at 1.49 percent with an APY of 1.50 percent. Average CD rates on 12 month certificates of deposit at 0.59 percent this week, considerably less than Melrose’s 12 month CD rate.

What is a 50/50 certificate of deposit? Melrose’s 50/50 CD gives the depositor the ability to add or withdraw up to 50 percent of the initial deposit without incurring any penalties or fees. On the bank’s website they point out that the odds of rates going up or down is 50/50 so they are giving you the ability to either add or remove funds after opening the account.

Only “new money” can earn the rate and yield – money not already on deposit at Melrose. There is a $1,000 minimum balance to open a CD and a maximum initial deposit is $100,000. The minimum balance to earn the APY is $500. Interest earned on the account is compounded and credited monthly.

Unfortunately, not everyone that lives in the United States can take advantage of this deal. You must live near this Massachusetts based bank. On the bank’s website they say the “Tax Identification Number owner must reside in Melrose or its abutting communities: Saugus, Wakefield, Malden and Stoneham.”

If you don’t live in one of these communities, you can use our CD rate database to find the highest CD rates in your area.

 
Author: Jason P. Jones
February 14th, 2013
Posted in: CD Rates from Banks

The best 1 year bank CD rates were unchanged this week as the fourth quarter GDP advance estimate report was released, showing a slowing economy at the end of 2012.  The best CD rates in our 1 year certificate of deposit rate database is at 1.04 percent and average 1 year rates remain increased three basis points from 0.69 percent to 0.72 percent.

The first estimate for fourth quarter GDP growth actually showed the economy contracted 0.1 percent in the final three months of 2012. While the report was a surprise, the news isn’t all that bad because the contraction was due to two factors, a big drop in government defense spending and lower business inventory growth.

First quarter 2012 GDP is expected to show growth of around 2.00 percent, thus avoiding back-to-back contractions in the economy, which would technically mean a recession. Another major economic report released last week was January’s unemployment report, which showed 157,000 jobs were created and the unemployment rate ticked up from 7.8 percent to 7.9 percent.

The headline jobs number of 157,000 jobs was slightly weaker than expected but the news is better for jobs created in 2012. Revisions to the payroll survey for November and December 2012 added 127,000 jobs. The average number of jobs created for the final quarter of 2012 was 200,000 per month – a lot better than previously thought.

Stronger growth and lower unemployment might mean higher interest rates in 2013. When the unemployment rate drops to 6.5 percent or below, the Federal Open Market Committee will pull back on stimulating the economy. This will mean a higher federal funds rate and in turn, CD rates at banks will move higher.

If this scenario plays out in 2013, it will be welcome news because the Fed says they plan to keep the Federal Funds Rate at near zero percent until mid-2015, two years sooner than expected. After almost 5 years of watching interest rates on all CD terms falling to record lows, it would be nice to report on higher CD rates.

 
Author: Jason P. Jones
February 2nd, 2013
Posted in: CD Rates from Banks

Current CD rates at banks remain near record lows and we don’t anticipate CD rates moving higher anytime soon – at least not in the first half of 2013. In the Federal Deposit Insurance Corporation’s Weekly Rate and Rates Cap Survey, average 12 month bank CD rates are at 0.23 percent for the week ending January 7, 2013.

Average 1 year CD interest rates are down 1 basis point from the prior week’s average. While average CD rates are very low, some of the best CD rates on 1 year certificates of deposit are many times the average. Currently on our national CD rates list the highest 1 year rates at from Colorado Federal Savings Bank at 1.04 percent with an APY of 1.05 percent.

The best regional CD rates for our list in California, Ally Bank is listed with the top rate at 0.99 percent. Of course the highest regional rates will depend on which banks are listed in your region. You can easily search both national rates and regional rates on our rate tables to ensure you’re getting the best rates.

Average 2 year CD rates at banks in this week’s FDIC survey are at 0.38 percent, unchanged from the prior week’s average rate. The best 2 year CD rates in our rate database are many times the FDIC average. The highest national 2 year CD rate is from CIT Bank at 1.19 percent with an APY of 1.20 percent, more than three times the average rate. The highest 2 year regional CD rate in the state of Florida is from Ally Bank at 1.12 percent with an APY of 1.13 percent.

Average 3 year CD bank rates are at 0.52 percent, also unchanged from the prior week’s average rate. The best 36 month CD rates in our national database are more than 2 times the FDIC average. The best rates are from Virtual Bank at 1.30 percent with an APY of 1.31 percent and CIT Bank at 1.29 percent with an APY of 1.30 percent. Below are lists of the top national 1 year, 2 year and 3 year CD rates in our database this week.

1 Year CD Rates at Banks

  1. Colorado Federal Savings Bank Rate 1.04% APY 1.05%
  2. Discover Bank Rate 1.00% APY 1.00%
  3. ableBanking Rate 1.00% APY 1.00%
  4. Ally Bank Rate 0.99% APY 0.99%
  5. Silvergate Bank Rate 0.95% APY 0.95%

2 Year CD Rates at Banks

  1. CIT Bank Rates 1.19% APY 1.20%
  2. ableBanking Rates 1.18% APY 1.19%
  3. Silvergate Bank Rates 1.15% APY 1.16%
  4. Virtual Bank Rates 1.15% APY 1.16%
  5. Discover Bank Rates 1.14% APY 1.15%

3 Year CD Rates at Banks

  1. Virtual Bank Rates 1.30% APY 1.31%
  2. CIT Bank Rates 1.29% APY 1.30%
  3. Barclays Bank Rates 1.29% APY 1.30%
  4. Discover Bank Rates 1.29% APY 1.30%
  5. Ally Bank Rates 1.24% APY 1.25%

All of the banks listed in our CD rates database have deposits insured by the FDIC for the maximum amount allowed by law. You can compare the best rates for all certificate of deposit terms by searching our database of rates.

 
Author: Jason P. Jones
January 14th, 2013
Posted in: CD Rates from Banks

2012 marks another year of extremely low CD rates on all types of certificates of deposit. The CD rate curve going from 1 month to 60 month bank CD rates is basically flat and rates on all types of certificates of deposit won’t be going higher in 2013. In fact, rates will stay low for at least two more years and probably three years more.

Right now the best CD rates at banks on 1 year certificates of deposit are at 1.04 percent with an APY of 1.05 percent, a far cry from a few years ago when you could find 1 year CD rates above 3.00 percent on average. These days the average 12 month certificate of deposit rate in the FDIC’s week’s average survey is at a measly 0.25 percent! You can’t even keep up with the inflation rate if you invest in a certificate of deposit with a rate of 0.25 percent, you might as well place your money under a mattress.

Going out longer term on the certificate of deposit rate curve two year CD rates are only slightly higher than 1 year rates. Right now the highest CD rates on 24 month certificates of deposit are at 1.19 percent with an APY of 1.20 percent, only 15 basis points above the best 12 month CD rates. The average 24 month CD rate in the FDIC rate survey this week is considerably less at 0.38 percent.

The average 36 month certificate of deposit rate in the FDIC’s survey this week is at 0.52 percent. Average jumbo CD rates on 3 year jumbo CD accounts are only 2 basis points higher. In fact, jumbo rates on all types of CD accounts are only about 1 to 2 basis points higher than regular CD accounts.

As with 12 month and 24 month rates the best 36 month rates are many times the national average rates. Right now the highest CD interest rate on 36 month certificates of deposit are much higher at 1.30 percent with an APY of 1.31 percent. Going out even longer on the rate curve doesn’t really get you that higher of a rate on your deposit.

The current national average 60 month certificate of deposit rate is at 0.84 percent this week. The best 5 year CD rates on our rate list are higher at 1.78 percent with an APY of 1.80 percent. Since rates are low on all CD terms I would stick with investing in shorter term certificates of deposit, like 1 year to 2 year CDs. That way you can take advantage of higher rates when they return sometime in 2015 or 2016.

 

 

 
Author: Jason P. Jones
December 28th, 2012
Posted in: CD Rates from Banks

There were no big changes in the best 6 month CD rates available or average 6 month CD rates this week as we head towards the fiscal cliff. Current bank CD rates on 6 month certificates of deposit are at 0.50 percent, unchanged from the previous week’s average 6 month rate. The best CD rates on our 6 month certificate of deposit rate are also changed at 0.91 percent.

Bond yields have been falling as the fiscal cliff talks (though the media) go nowhere. I believe both sides should get together and start talking about where to compromise instead of using the media to get their points across. Current 10 year bond yields are back below 1.60 percent today at 1.58 percent. When we do head over the cliff bond yields and CD rates at banks will make new record lows in 2013.

Surprisingly stock prices have increased the past several days but that will change as the markets come to the realization that chances are we are going over the cliff. In the long run a dose of higher taxes for everyone and less government spending will be a positive, unfortunately the current pain of falling back into another recession makes that hard to swallow.

Here is a quick list of the best short term (6 month) CD rates available on our rate list:

  • Doral Bank Rates 0.91%
  • GiantBank.com 0.80%
  • Colorado FSB 0.80%
  • Ascencia 0.78%
  • AloStar Bank of Commerce 0.76%
  • Able Banking 0.75%
  • Discover Bank 0.75%
  • Ally Bank 0.74%
  • E-Loan.com 0.71%

The top CD rates listed here on 6 month certificates of deposit are all above the current national average rate. All the banks listed here and all the banks on our rate tables have deposits insured by the FDIC to the maximum amount allowed by law. Search and compare CD interest rates for all types of certificate of deposit terms by searching our rate tables.

 
Author: Jason P. Jones
December 5th, 2012
Posted in: CD Rates from Banks

Now that the election is over we can all get back to investing and saving. Oops, wait a minute, we have that “fiscal cliff” problem on the horizon. Once the fiscal cliff issues are resolved many economists feel the economy will start booming. Let’s hope they are right for a number of reasons including forcing interest rates higher.

Speaking of higher interest rates and including higher CD rates, we have already seen a few banks increase their CD rates this week, which is nice to see. The best CD rates on our 12 month certificate of deposit rate list used to be at 1.11 percent but now we have a new best rate of 1.12 percent. I look forward to the days of reporting on rates moving 25 or even 50 basis points higher at once.

The best rates have moved 1 basis point higher but the average bank CD rates remained the same, which I guess is positive, at least average rates didn’t move any lower this week. In the Weekly Rates and Rate Caps released by the Federal Deposit Insurance Corporations (FDIC) average 1 year CD rates at banks are at 0.25 percent.

The new best rate on our 12 month certificate of deposit rate list is from at 1.11 percent with an APY of 1.12 percent. Able banking moved up to the top of the list by increasing their rate by 1o basis points which increased the APY 12 basis points. The second best 1 year rate on our list is still from Alostar Bank of Commerce at 1.10 percent with an APY of 1.11 percent.

Here is a quick list of the highest CD rates on 12 month certificates of deposit this week:

Highest 12 month CD Rates

    1. AbleBanking 1.10% APY 1.12%
    2. Alostar Bank of Commerce 1.10% APY 1.11%
    3. CIT Bank 1.09% APY 1.10%
    4. Bank of Internet 1.09% APY 1.10%
    5. California First National Bank 1.05% APY 1.06%
    6. NexBank 1.05% APY 1.05%
    7. Ally Bank 1.04% APY 1.05%
    8. Sallie Mae Bank 1.04% APY 1.05%
    9. Colorado Federal Savings Bank 1.04% APY 1.05%
    10. MetLife Bank 1.04% APY 1.05%

As for getting the fiscal cliff problems resolved we can all do our part by contacting our Congressional representatives and let them know you voted for them to get things done!

 
Author: Lisa Graham
November 13th, 2012
Posted in: CD Rates from Banks

The best bank CD rates on our 3 year certificates of deposit rate list are well above the the FDIC national average rate. This week’s FDIC average CD rate on 3 year certificates of deposit are at 0.52 percent. The best 3 year CD rate on our rate list is at 1.41 percent, almost three times the FDIC average. Our best 3 year rate is also considerably higher than the FDIC average 3 year jumbo CD rate of 0.58 percent.

The bank offering 3 year rates well above average 3 year CD rates at banks is CIT Bank. Current CIT Bank CD rates are at 1.41 percent with an APY of 1.42 percent for account balances of at least $1,000. CIT Bank is currently offering the best CD rates on our 3 year list. CIT Bank’s 3 year rate is also higher than the FDIC average 5 year CD rate of 0.91 percent this week.

Other banks offering rates well above the average on our list include Discover Bank. Current Discover Bank CD rates on 36 month certificates of deposit are at 1.34 percent with an APY of 1.35 percent. The minimum opening deposit for a Discover Bank certificate of deposit is $2,500.

Two more banks are offering the third highest 3 year rate on our list at 1.30 percent with an APY of 1.31 percent. Doral Bank 3 year CD interest rates and Virtual Bank 3 year CD interest rates are both at 1.30 percent with an APY of 1.31 percent. Doral Bank’s minimum opening deposit is $1,000 while Virtual Bank’s minimum opening deposit is $10,000. Here are the top 3 year CD rates on our list this week:

3 Year Bank CD Rates

  • CIT Bank Rates 1.41% APY 1.42%
  • Discover Bank Rates 1.34% APY 1.35%
  • Virtual Bank Rates 1.30% APY 1.31%
  • Doral Bank Rates 1.30% APY 1.31%
  • Barclays Bank Rates 1.29% APY 1.30%
  • Able Banking Rates 1.29% APY 1.30%
  • Ally Bank Rates 1.28% APY 1.29%
  • California First National Bank Rates 1.28% APY 1.29%
 
Author: Robert Till
October 24th, 2012
Posted in: CD Rates from Banks

No big moves in average 2 year CD rates or the best CD rates this week. The current national average 2 year CD rate in Bankrate’s survey this week is at 0.91 percent. The current FDIC average 2 year rate is less than half at 0.42 percent. The highest CD rates on 24 month certificates of deposit are higher than both average rates this week. The best rate on our 2 year CD rate list this week is from Alostar Bank at 1.25 percent with an APY of 1.26 percent.

The highest 24 month rate is only 15 basis points higher than the highest 1 year CD rates this week. That being said investing in either term certificate of deposit is a good move. Investing in longer term certificates of deposit probably isn’t a good move since CD rates at banks will be moving higher in the next few years.

The biggest question is when will rates move higher? At this point we believe rates won’t start heading higher until at least 2015 or possibly sooner if the economy picks up steam. Recent economic data released on housing, employment and consumer sentiment has us optimistic that CD bank rates will move higher before 2015.

The second highest 2 year CD rate on our national rate list is from two well-known national online banks, CIT Bank and Barclays Bank. Current CIT Bank CD rates and Barclays Bank CD rates on 24 month certificates of deposit are at 1.24 percent with an APY of 1.25 percent. These bank rates on 24 month rate are just 1 basis point below Alostar Bank’s 2 year rate. Below is a list of the top 10 two year CD rates this week:

Best CD Rates on 2 Year Certificates of Deposit

  1. Alostar Bank CD Rate 1.25% APY 1.26%
  2. CIT Bank CD Rate 1.24% APY 1.25%
  3. Barclays Bank CD Rate 1.24% APY 1.25%
  4. Able Banking CD Rate 1.18% APY 1.19%
  5. Doral Bank CD Rate 1.16% APY 1.17%
  6. Discover Bank CD Rate 1.14% APY 1.15%
  7. California First National Bank CD Rate 1.13% APY 1.14%
  8. OneWest Bank CD Rate 1.09% APY 1.10%
  9. USAA Bank CD Rate 1.09% APY 1.10%
  10. Giant Bank CD Rate 1.09% APY 1.10%

Just a few years ago 1 year bank CD rates just above 1.00 percent were pathetic, now very few banks are offering 1 year rates above 1.00 percent. The worst CD rates on our 24 month rate list are also well below these rates and well below the national average rates. The worst 2 year CD rate on our rate list this week is from iGOBanking at a measly 0.15 percent with an APY of 0.15 percent. Feel free to use your rate tables to search for the highest CD rates for any certificate of deposit term.

 
Author: Jason P. Jones
October 17th, 2012
Posted in: CD Rates from Banks

Regardless of which party wins the election it will be interesting seeing which direction the economy will go in with the financial cliff coming our way. The Fed is doing what it can to get things moving again though in the process is hurting holders of interest bearing assets like certificates of deposit. 24 month CD rates are averaging only 0.42 percent, how can any retiree live off of interest income with rates so low.

The best CD rates on 2 year certificates of deposit are better when compared the national average rate but on its own getting a 1.25 percent return is low. I remember when the highest CD rates on 2 year certificates of deposit were 4 to 5 percent several years ago. These days the highest CD rates on 5 year CD rates are even in the 4 to 5 percent range.

Don’t expect these low CD rates at banks to increase in the next several years, some economists are comparing our current economic growth to the lost decade in Japan. In both Japan’s case in the 1990′s and the United States right now we had a credit bubble which created unrealistic real estate prices which eventually collapsed sending the economy into a deep recession followed by 10 years or more of slow growth and interest rates near zero percent.

Millions of retirees counting on interest income from certificates of deposit are left out in the cold. The Federal Reserve even acknowledged this in the past statement they released on economic policy. Millions of people who believe they were going to retire haven’t because their return on investment in risk free assets is so dismal.

The highest bank CD rates right now are from Alostar Bank of Commerce at 1.25 percent with an annual percentage yield of 1.26 percent. The best CD rates on 1 year certificates of deposit are also from the same bank at 1.10 percent with an APY of 1.11 percent. The current national average 1 year bank CD rate is only 0.26 percent so a 1 year rate above 1.00 percent looks good as well.

Feel free to search our CD bank rates list for the highest CD interest rates for certificates of deposit terms ranging from 30 days to 5 years.

 
Author: Jason P. Jones
October 4th, 2012
Posted in: CD Rates from Banks

1 year CD rates at banks are still the best certificate of deposit deal for the term. Let’s face it, all CD rates are low these days but you’re probably better off sticking with 1 year certificates of deposit instead of longer term certificates of deposit. Bank CD rates will probably stay low for another three years since the Federal Reserve is keeping the Fed funds rate at near zero percent until then.

If the economy picks up steam before mid-2015 which is quite possible, CD rates will move higher. Two recent positive housing reports and a positive consumer confidence report last week points to better times ahead. For now the best CD rates on 1 year certificates of deposit are averaging just above 1.00 percent which doesn’t sound that great but when you compare the rate to the current national average 12 month bank CD rate of 0.26 percent things start to look a lot better.

Right now the highest CD rates on our 1 year certificate of deposit rate list are at 1.10 percent with an APY of 1.11 percent. AloStar Bank of Commerce is offering 1 year bank CD rates at 1.10 percent with an APY of 1.11 percent. AloStar Bank’s CD rate is more than 4 times the FDIC national average rate. In fact, AloStar Bank’s rate is also higher than the FDIC’s 5 year national average rate of 0.94 percent.

The second best CD rate on our national rate list is from CIT Bank and Bank of Internet USA. The banking arm of the small and medium business loan company CIT and Bank of Internet are offering 12 month CD rates at 1.09 percent with an APY of 1.10 percent. CIT Bank’s CD rate on 1 year certificates of deposit is also more than 4 times the FDIC average.

CD Rates at Banks Highest 1 Year Rates

  • AloStar Bank of Commerce CD Rate 1.10% APY 1.11%
  • CIT Bank CD Rate 1.09% APY 1.10%
  • Bank of Internet 1.09% APY 1.10%
  • SallieMae CD Rate 1.04% APY 1.05%
  • MetLife Bank CD Rate 1.04% APY 1.05%
  • Colorado Federal Savings Bank CD Rate 1.04% APY 1.05%
  • Ally Bank CD Rate 1.03% APY 1.04%
  • Doral Bank CD Rate 1.01% APY 1.01%
  • E-Loan CD Rate 1.00% APY 1.01%
  • ableBanking CD Rate 1.00% APY 1.00%
  • Discover Bank CD Rate 1.00% APY 1.00%
  • EH National Bank CD Rate 1.00% APY 1.00%
  • California First National Bank CD Rate 1.00% APY 1.00%

The CD bank rates listed above are all several times the FDIC’s national average 1 year CD rate and also higher than FDIC’s national average 5 year CD rate. You can find a list of the best CD rates for all certificate of deposit terms on our rate tables.

 
Author: Jason P. Jones
October 1st, 2012
Posted in: CD Rates from Banks

First Choice Bank based in Lawrenceville, New Jersey, is offering certificates of deposit with terms ranging between 6 months and 60 months. While First Choice Bank doesn’t have the best CD rates around the bank’s rates are competitive with other CD rates at banks and the FDIC’s national average rates. The bank’s highest CD rates are naturally on the bank’s longest certificates of deposit.

Current 5 year CD interest rates at First Choice Bank are at 1.78 percent with an APY of 1.80 percent. That CD rate and yield is just below the best 5 year CD rate on our rate list. CIT Bank’s 5 year CD rates top our list at 1.83 percent with an APY of 1.85 percent. First Choice Bank’s 5 year rate is almost double the FDIC national average rate of 0.94 percent.

First Choice Bank’s 12 month CD rates are competitive but we have several other bank CD rates on our 12 year CD rates list that are above First Choice Bank’s 1 year rate. Current 1 year CD interest rates at First Choice Bank are at 0.80 percent with an APY of 0.80 percent. The current FDIC national average 12 month rate is at 0.26 percent. On our 12 month rate list we have several bank rates are are above 1.00 percent.

CD Rates First Choice Bank

  • 6 Months CD Rates 0.45% APY 0.45%
  • 6-9 month CD Rates 0.55% APY 0.55%
  • 12 month CD Rates 0.80% APY 0.80%
  • 18 month CD Rates 1.00% APY 1.00%
  • 24 month CD Rates 1.14% APY 1.15%
  • 36 month CD Rates 1.29% Yields 2.10%
  • 48 month CD Rates 1.49% APY 1.50%
  • 60 month CD Rates 1.78% Yields 1.80%

The minimum opening deposit for a certificate of deposit at First Choice Bank is $1,000. The certificate of deposit rates and terms listed above are also available for IRA CD accounts, Roth IRA CD accounts and SEP CD accounts. You can see how First Choice Bank’s CD rates compare with CD bank rates from other banks listed below.

 
Author: Jason P. Jones
September 20th, 2012
Posted in: CD Rates from Banks

For awhile now CIT Bank certificates of deposit have had very competitive CD rates. CIT Bank’s certificates of deposit are available in three different types. The first time is their regular CD accounts CIT Bank referrers to as CD term accounts. The second type of CD accounts are jumbo CD accounts which have jumbo CD rates associated with them. The last type of account is CIT Bank’s Achiever CD accounts. The Achiever CD accounts have a higher minimum opening deposit and higher CD rates than their regular bank CD rates.

Regular term CD accounts have a minimum opening deposit of only $1,000. Interest earn on term CDs is compounded daily which allows you to earn more than a CD account that has interest compounded monthly which is what many banks do. There are no opening account fees or monthly fees to chip away at any interest earned on the account.

Here is a current list of term CD rates and APY at CIT Bank:

  • 6 Month CD Rate 0.45% APY 0.45%
  • 1 Year CD Rate 1.05% APY 1.06%
  • 2 Year CD Rate 1.19% APY 1.20%
  • 3 Year CD Rate 1.41% APY 1.42%
  • 5 Year CD Rate 1.83% APY 1.85%

CIT Bank CD rates on regular term CD accounts are well above the Federal Deposit Insurance Corporation’s national average rates.

Here are the FDIC’s current national average rates.

  • 1 month CD Rate Average 0.07
  • 3 month CD Rate Average 0.11
  • 6 month CD Rate Average 0.17
  • 12 month CD Rate Average 0.26
  • 24 month CD Rate Average 0.43
  • 36 month CD Rate Average 0.6
  • 48 month CD Rate Average 0.75
  • 60 month CD Rate Average 0.97

Jumbo CD rates at CIT Bank are very competitive now and are some of the best jumbo bank CD rates available. Jumbo certificates of deposit at CIT Bank are available in terms of 2 years, 3 years and 5 years. The minimum opening jumbo CD account balance is $100,000. Interest earned is compounded daily to maximize earnings.

Here is a list of current CIT Bank jumbo CD rates:

  • 2 Year CD Rates 1.24% APY 1.25%
  • 3 Year CD Rates 1.43% APY 1.44%
  • 5 Year CD Rates 1.88% APY 1.90%

Jumbo CD rates at CIT Bank are also well above the FDIC’s weekly national average jumbo CD rates.

Here is a complete list of the FDIC’s average jumbo CD interest rates this week:

  • 1 month Average Jumbo CD rate 0.08
  • 3 month Average Jumbo CD rate 0.12
  • 6 month Average Jumbo CD rate 0.18
  • 12 month Average Jumbo CD rate 0.28
  • 24 month Average Jumbo CD rate 0.45
  • 36 month Average Jumbo CD rate 0.61
  • 48 month Average Jumbo CD rate 0.76
  • 60 month Average Jumbo CD rate 0.98

CIT Bank’s Achiever certificates of deposit have a couple features that differ from the bank’s term and jumbo CD accounts. With the bank’s Achiever CD accounts you can increase the CD interest rate if CIT Bank increases the rate after you open an account. This feature is similar to other bank’s bump-up CD accounts or Ally Bank’s Raise Your Rate CD account.

Another feature with the Achiever CD accounts is you can deposit more money into the account after you open it. You can add more money whenever you want and as many times as you want. Interest earned on this account is also compounded daily to maximize earnings.

Achiever CD accounts are available in terms of 1 year and 2 year terms. Curent 1 year Achiever CD rates are at 1.09 percent with an APY of 1.10 percent. 2 year Achiever CD rates are at 1.24 percent with an APY of 1.25 percent. The minimum opening balance for this type of CD account is $25,000.

Opening a CD account at CIT Bank is quick and easy. The easiest way to open an account is online here: CIT Bank CD Account Application. To see how CIT Bank CD rates compare with other CD rates at banks use our rate tables. You’ll find that CIT Bank is in the top 5 CD rates available for many different CD terms.

 
Author: Jason P. Jones
September 12th, 2012
Posted in: CD Rates from Banks

Doral Bank Direct CD rates are very competitive and well above the national average CD rates. Doral Bank Direct’s CD rates on 12 month certificates of deposit are currently at 1.01 percent with an APY of 1.02 percent. Current bank CD rates in Bankrate’s national average CD rate survey are at 0.71 percent. CD rates at banks for 12 month certificates of deposit in the FDIC’s national rate survey are even lower at 0.27 percent.

The highest CD rates right now on our 1 year CD bank rates list are at 1.09 percent with an APY of 1.10 percent. CIT Bank CD rates on 1 year certificates of deposit are at 1.09 percent with an APY of 1.10 percent. Another 1 year CD interest rates on our rate list that are higher than Doral Bank Direct’s rates include Bank of Internet USA which is also offering 1 year rates at 1.09 percent with an APY of 1.10 percent.

Probably the best CD rate deal at Doral Bank Direct  right now are on the bank’s shortest term certificate of deposit. Current 6 month CD rates at Doral Bank Direct are currently at 0.91 percent with an APY of .092 percent. The current national average 6 month CD rate in Bankrate’s survey is at 0.47 percent. The FDIC’s national average 6 month CD rate is at 0.17 percent.

CD Rates Doral Bank Direct

  • 6 Month CD Rates 0.91% APY 0.92%
  • 9 Month CD rates 0.96% APY 0.97%
  • 12 Month CD Rates 1.01% APY 1.02%
  • 18 Month CD Rates 1.10% APY 1.11%
  • 24 Month CD Rates 1.18% APY 1.19%
  • 36 Month CD Rates 1.34% APY 1.35%
  • 48 Month CD Rates 1.48% APY 1.50%
  • 60 Month CD Rates 1.71% APY 1.73%

Doral Bank Direct’s CD interest rates have come down over the past year which is the norm for all bank CD rates since interest rates in general have gone lower. The yield spread between the shortest and longest term certificates of deposit is flat. That being said you’re better off staying invested in shorter term certificates of deposit right now.

Some of the features of Doral Bank Direct’s certificates of deposit include the ability to withdraw the interest earned on the account without penalty. CD interest earned is credited quarterly but you can request monthly, semi annual or annual payments. The minimum opening deposit is $1,000. The minimum account balance to earn interest is $1,000. Accounts can be opened online or by mail. You can open accounts online on Doral Bank Direct’s website here: Doral Bank Direct CD Application.

 
Author: Lisa Graham
August 31st, 2012
Posted in: CD Rates from Banks

Ally Bank CD bank rates on 1 year certificates of deposit are currently more then 3 times the Federal Deposit Insurance Corporation (FDIC) average 1 year CD rates of 0.09 percent. Current Ally Bank CD rates are at 1.00 percent with an APY of 1.01 percent.

Ally Bank’s 12 month bank CD rates are also more than 3 times the FDIC’s national average 12 month jumbo CD rates of 0.28 percent. You can find CD rates at banks higher than Ally Bank’s rate but not much higher. CIT Bank is currently offering 12 month CD interest rates at 1.09 percent with an APY of 1.10 percent. CIT’s rates are the best CD rates on our rate list.

While CIT Bank has a higher 1 year certificate of deposit rate the bank also has a higher minimum deposit than Ally Bank. CIT Bank’s minimum deposit for that rate and yield is $25,000 while Ally Bank’s doesn’t have a minimum deposit to earn the rate and yield posted above.

CD Bank Rates at Ally Bank

  • 3 months CD Rates 0.44% APY 0.44%
  • 6 months CD Rates 0.75% APY 0.75%
  • 9 months CD Rates 0.74% APY 0.74%
  • 12 months CD Rates 1.00% APY 1.01%
  • 18 months CD Rates 0.94% APY 0.94%
  • 3 years CD Rates 1.33% APY 1.34%
  • 5 years CD Rates 1.73% APY 1.74%

Raise Your Rates CD Rates

  • 2 Years CD Rates 1.13% APY 1.14%
  • 4 Years CD Rates 1.48% APY 1.49%

No Penalty CD Rates

  • 11 Month CD Rates 0.92% APY 0.92%

As you can see Ally Bank CD interest rates are competitive when you compare the bank’s rates with the other CD rates at banks on our rate tables. For example Ally’s 5 year CD rates are at 1.73 percent but their rate isnt’ the highest CD rates on our list.

That distiction belongs to Discover Bank. Current Discover Bank CD rates on 5 year certificates of deposit are 1 basis point higher at 1.74 percent with an APY of 1.75 percent.

 
Author: Brian McKay
August 25th, 2012
Posted in: CD Rates from Banks

FirstBank which has been around since 1963 is offering CD rates that are higher than the national average rates. FirstBank’s best CD rates are on the bank’s 5 year Premier certificates of deposit.

Right now current CD rates on 5 year Premier CDs are at 1.19 percent with an APY of 1.20 percent. 5 year bank CD rates in the FDIC’s national average rate survey are at 1.01 percent.

The highest CD rates on 5 year CDs on our rate table are considerably higher than FirstBank’s 5 year rate. CIT Bank CD rates on 5 year CDs are at 1.83 percent with an APY of 1.85 percent. Discover Bank CD rates and Third Federal Savings and Loan CD rates on 5 year CDs are at 1.75 percent APY. Ally Bank CD rates on 5 year CDs are at 1.73 percent with an APY of 1.74 percent.

Premier have higher CD rates because you have to deposit $10,000 to open an account. Regular CD rates are lower because the minimum opening deposit on regular CD accounts is only $100.

While regular CD bank rates are lower rates are still better than the national average and not much lower than Premier rates. Current 5 year CD rates on regular CD accounts earn are at 1.09 percent with an APY of 1.10 percent.

FirstBank CD Rates

Regular CD Rates

  • 91 Day CD Rate 0.10% APY 0.10%
  • 182 Day CD Rate 0.15% APY 0.15%
  • 1 Year CD Rate 0.20% APY 0.20%
  • 2 Year CD Rate 0.40% APY 0.40%
  • 3-1/2 CD Rate 0.50% APY 0.50%
  • 5 Year CD Rate 1.09% APY 1.10%

Premier CD Rates

  • 91 Day CD Rates 0.15% APY 0.15%
  • 182 Day CD Rates 0.25% APY 0.25%
  • 1 Year CD Rates 0.30% APY 0.30%
  • 2 Year CD Rates 0.50% APY 0.50%
  • 3-1/2 CD Rates 0.60% APY 0.60%
  • 5 Year CD Rates 1.19% APY 1.20%

You can compare how all these rates from FirstBank stand up against other CD rates at banks by searching our rate tables below. To give you can idea how high CD rates are on our list FirstBank’s 1 year Premier CD rates are at 0.30 percent while CIT Bank rates on 1 year CDs are at 1.09 percent with an APY of 1.10 percent.

 
Author: Jason P. Jones
August 13th, 2012
Posted in: CD Rates from Banks

Average 1 year CD rates are nothing to write home about these days. The FDIC’s national 1 year bank CD rates are averaging 0.27 percent. Bankrate’s national average is considerably higher at 0.71 percent. Thankfully the best CD rates on 1 year certificates of deposit are higher than both averages.

Right now three banks are offering the highest 1 year CD rates on our rate list. CIT Bank CD rates, Doral Bank CD rates and Bank Of Internet CD Rates on 1 year certificates of deposit are all at 1.09 percent with an APY of 1.10 percent.

CIT Bank and Doral Bank were at the top of our rate list but Bank of Internet recently increased their 1 year CD rates which catapulted them to the top tying with CIT Bank and Doral Bank for the best CD rate.

The second highest CD rate on our list is from MetLife Bank. The bank is currently offering 1 year bank CD rates at 1.04 percent with an APY of 1.05 percent.

The third best CD rate on our list belongs to Ally Bank. Current Ally Bank CD rates on 1 year certificates of deposit are at 1.03 percent with an APY of 1.04 percent. Ally Bank 1 year CD rates were also recently raised.

Highest CD Rates on 1 Year Certificates of Deposit

  • CIT Bank CD Rates 1.09% APY 1.10%
  • Bank of Internet USA CD Rates 1.09% APY 1.10%
  • Doral Bank CD Interest Rates 1.09% APY 1.10%
  • MetLife Bank CD rates at Banks 1.04% APY 1.10%
  • Ally Bank CD rates 1.03% APY 1.04%
  • EH National Bank Rates 1.03% APY 1.03%
  • AloStar Bank of Commerce Rates 1.00% APY 1.01%
  • ableBanking CD Interest Rates 1.00% APY 1.00%
  • Ascencia, a div. of PBI Bank CD Rates 0.95% APY 0.95%
  • California First National Bank Rates 0.93% APY 0.93%
  • Discover Bank CD Rates 0.90% APY 0.90%
  • AIG Bank CD Rates 0.90% APY 0.90%
  • Barclays Bank CD Rates 0.90% APY 0.90%

To get the best CD rates at banks for any certificate of deposit term you can search our rate lists below. Rates are updated daily so check back with us for the most current CD rates available.

 
Author: Robert Till
August 11th, 2012
Posted in: CD Rates from Banks

Average CD rates on 5 year certificates of deposit are unchanged this week at 1.40 percent. The FDIC’s national average 5 year CD rate is even less at 1.03 percent. Average jumbo CD rates are not might higher in the FDIC’s survey. Current 5 year jumbo bank CD rates are at 1.04 percent. 

Thankfully you can find CD interest rates higher than the average rates. Right now the best CD rates for 5 year certificates of deposit on our rate list are at 1.91 percent APY.

The National Republic Bank of Chicago is currently offering 5 year bank CD rates at 1.90 percent with an APY of 1.91 percent. I doubt you’ll find CD rates at banks higher than that rate for a 5 year CD.

The second highest 60 month CD rates on our list is from CIT Bank. Current 5 year CD rates at CIT Bank are offered at 1.83 percent with an APY of 1.85 percent. CIT Bank CD rates on 1 year CD rates top our 1 year rate list at 1.09 percent with an APY of 1.10 percent.

Three different bank rates are tied for the third highest CD rate on our list. Third Federal Savings and Loan CD rates, Discover Bank CD rates and iGOBanking CD rates on 5 year CDs are all at 1.75% APY.

Ally Bank has the fourth best CD rate on our 5 year national rate list. Current Ally Bank CD rates on 5 year CDs are offered at 1.73 percent with an APY of 1.74 percent.

Best CD Rates on 5 Year Certificates of Deposit

  • The National Republic Bank of Chicago Rates 1.90% APY 1.91%
  • CIT Bank CD Rates 1.83% APY 1.85%
  • Third Federal Savings and Loan CD Rates 1.74% APY 1.75%
  • Discover Bank CD Rates 1.73% APY 1.75%
  • iGOBanking CD Interest Rates 1.73% APY 1.75%
  • Ally Bank CD Rates 1.73% APY 1.75%
  • American Bank CD Rates 1.69% APY 1.70%
  • Intervest National Bank CD Bank Rates 1.69% APY 1.70%

There are many more bank CD rates listed on our 5 year rate table. You can search for and compare any CD term on our rate tables to find the best rates around.

 
Author: Brian McKay
August 4th, 2012
Posted in: CD Rates from Banks

Hudson City Savings Bank’s says its able to give depositors higher CD rates since the bank’s costs are so low, as a result they past the savings onto depositors. While Hudson City Savings Bank doesn’t offer the best CD rates their rates are competitive and higher than the national averages.

The highest CD rates of course on the bank’s longest term certificates of deposit which are 5 year CDs. Today’s 5 year bank CD rates are at 1.615 percent with an annual percentage yield (APY) of 1.65 percent.

The second longest CD term at the bank are 4 year certificates of deposit. 4 year CD bank rates right now are at 1.371 percent with an APY of 1.40 percent. That CD rate is higher than most CD rates at banks for 4 year certificates of deposit

Hudson City CD Rates

  • 91-Day Simple CD Rates 0.40% Yield 0.40%
  • 4-Month Daily (365/365) Bank CD Rates 0.40% Yield 0.40%
  • 5-Month Daily (365/365) CD Interest Rates 0.40% Yield 0.40%
  • 6-Month Simple CD Rates 0.40% Yield 0.40%
  • 7-Month Daily (365/365) CD Rates 0.45% Yield 0.45%
  • 9-Month Daily (365/365) CD Rates 0.45% Yield 0.45%
  • 1-Year Daily (365/360) CD Rates 0.64% Yield 0.65% 
  • 13-Month Daily (365/360) CD Rates 0.69% Yield 0.70%
  • 18-Month Daily (365/360) CD Rates 0.88% Yield 0.90%
  • 2-Year Daily (365/360) CD Rates 0.98% Yield 1.00%
  • 30-Month Daily (365/360) CD Rates 0.98% Yield 1.00%
  • 3-Year Daily (365/360) CD Rates 1.18% Yield 1.20%
  • 4-Year Daily (365/360) CD Rates 1.37% Yield 1.40%
  • 5-Year Daily (365/360) CD Rates 1.61% Yield 1.65%

Hudson City Savings Bank is based in the Northeast. The bank branches in New York, New Jersey and Connecticut. Opening a certificate of deposit is quick and easy on the bank’s website. You can open an account here: Hudson City Savings Bank CD Application.

You can also compare the bank’s CD interest rates with other bank’s rates by searching our rate lists:

 
Author: admin
July 28th, 2012
Posted in: CD Rates from Banks

Solera National Bank which is a small local bank headquartered in Lakewood, Colorado, is offering several different types of certificate of deposit accounts. Solera National Bank CD rates are not the best CD rates around but the bank CD rates are competitive.

The three types of certificates of deposit at Solara National Bank include their Cornerstone Fixed Rate Certificates of Deposit, Step Up Certificates of Deposit and OpportunityVariable Rate Certificates of Deposit.

Step Up Certificates of Deposit and Opportunity Variable Rate Certificates of Deposit have interesting features which make these certificates of deposit unique and different from the bank’s regular certificates of deposit.

The highest CD rates right now at Solara National Bank are on 5 year Cornerstone Fixed Rate Certificates of Deposit. The current Cornerstone CD rate on 5 year CDs are at 1.50 percent with an annual percentage yield (APY) of 1.50 percent.

As i mentioned above Solera’s CD rates are not the highest CD rates around since you can open a 3 year CD at CIT Bank at 1.41 percent with an APY of 1.42 percent.

Solera National Bank CD Rates

Cornerstone Fixed Rate Certificates of Deposit

  • 3 Month CD Rates 0.30% APY 0.30
  • 6 Month Bank CD Rates 0.45% APY 0.45%
  • 1 Year CD Interest Rates 0.55% APY 0.55%
  • 18 Month CD Rates at Bank 0.60% APY 0.60%
  • 2 Year CD Rates 0.70% APY 0.70%
  • 30 Month CD Rate 0.75% APY 0.75%
  • 3 Year CD Rates 1.00% APY 1.00%
  • 4 Year CD Rates 1.15% APY 1.15%
  • 5 Year CD Rates 1.50% APY 1.50%

The minimum opening deposit on the Cornerstone Certificates of Deposit is $1,000. Additional deposits into the Cornerstone CDs isn’t permitted which isn’t unusual. Though you can add addition monies into the IRA CD account.

Step Up Certificate of Deposit

  • 1 Year CD Rates 0.50% APY 0.50%
  • 2 Year CD Rates 0.65% APY 0.65%
  • 3 Year Bank CD Rate 0.90% APY 0.90%

The Bank’s Step Up Certificates of Deposit are variable rate CDs and you may increase (step up) your CD rate one time during the term of the certificate of deposit to the prevailing rate.

Opportunity Variable Rate Certificate of Deposit and IRA CDs

  • 1 Year CD Rate 0.55% APY 0.55%
  • 2 Year CD Rate 0.70% APY 0.70%

The bank’s Opportunity Variable Rate Certificates of Deposit are also variable  rate accounts. Additional deposits to the Variable Rate products are permitted during the term. The minimum opening deposit is $1,000 and $500 or IRA accounts.

For a list of today’s CD rates at Solera National Bank’s or to open an account go to: Solera National Bank.

You can search for compare many different CD rates at banks below by searching our rate tables.

 
Author: Robert Till
July 23rd, 2012
Posted in: CD Rates from Banks

Average CD rates at banks have been dismal for several years now. What was the highest CD rates on 1 year certificates of deposit are not even the highest 5 year certificate of deposit rates around.

One of the best CD rates on 5 year certificates of deposit right now is from Third Federal Savings & Loan. Current 5 year bank CD rates at Third Federal Savings & Loan are offered at 1.74 percent with an annual percentage yield of 1.75 percent.

I remember just before the financial crisis 1 year CD internet rates were between 3.50 percent and 5.00 percent. Now most 1 year rates are below 1.00 percent and the highest CD rates on 1 year CDs are just above 1.00 percent.

Third Federal Savings & Loan’s 5 year rate of 1.75 percent is almost 40 basis points higher than the current national average 5 year rate of 1.36 percent. The FDIC’s national average 5 year CD rate is even lower at 1.06 percent.

Other CD rates at Third Federal are not as competitive as the bank’s 5 year rate. Current 6 month rates at Third Federal are at 0.35 percent with an APY of 0.35 percent. On our rate list Discover Bank is offering 6 month rates at 0.75 percent with an APY of 0.75 percent.

CD Rates at Third Federal Savings & Loan

  • 6 Month Rates 0.35% APY 0.35%
  • 1 Year Rates 0.40% APY 0.40%
  • 2 Year Rates 0.60% APY 0.60%
  • 5 Year Rates 1.74% APY 1.75%

You can search for and compare the best certificate of deposit rates from many different banks by searching your rate tables here: Highest CD Rates.

 
Author: Jason P. Jones
July 8th, 2012
Posted in: CD Rates from Banks

There are very few banks these days that have 5 year CD rates at 2.00 percent or above. Bay Bank Federal Savings Bank, is one bank that is current offering one of the best CD rates available on a 5 year certificate of deposit. The current 5 year bank CD rate is at 2.00 percent with an APY of 2.02 percent. The 5 year interest rate is one of the highest CD rates available today.

Chances are you haven’t heard of Bay Bank since the bank is small. The bank is headquartered in Lutherville, Maryland. The bank’s FDIC cert number is 59004 and deposits at the bank have been insured since July 2010.

 Bay Bank has several different types of certificates of deposit, all with very competitive CD interest rates and better than most CD rates at banks. The types of CD accounts include regular certificates of deposit, Premier CD accounts and Advantage 1 Premier CD accounts.

Regular certificate of deposit accounts have a minimum opening deposit of $1,000. The other two types of certificates of deposit, Premier CD accounts and Advantage 1 Premier CD accounts have a minimum opening deposit of $10,000.

CD Rates at Bay Bank

Regular CD Rates and APY

  • 3 Month Rate 0.25% APY 0.25%
  • 6 Month Rate 0.50% APY 0.50%
  • 9 Month Rate 0.60% APY 0.60%
  • 12 Month Rate 0.75% APY 0.75%
  • 18 Month Rate 0.85% APY 0.85%
  • 24 Month Rate 1.25% APY 1.26%
  • 36 Month Rate 1.50% APY 1.51%
  • 48 Month Rate 1.75% APY 1.76%
  • 60 Month Rate 2.00% APY 2.02%

Premier CD Rates an APY

  • 3 Month Rate 0.30% APY 0.30%
  • 6 Month Rate 0.55% APY 0.55%
  • 9 Month Rate 0.65% APY 0.65%
  • 12 Month Rate 0.75% APY 0.75%

Advantage 1 Premier CD Rates an APY

  • 9 Month Rate 0.60% APY 0.60%
  • 18 Month Rate 0.85% APY 0.85%
  • 24 Month Rate 1.15% APY 1.16%
  • 36 Month Rate 1.40% APY 1.41%
  • 48 Month Rate 1.65% APY 1.66%
  • 60 Month Rate 1.90% APY 1.91%

Bay Bank’s Advantage 1 Certificate of Deposit offers preferred CD rates and a one-time CD interest rate increase option for deposits of $10,000 or more with a maturity of at least 18 months.

As with any certificate of deposit account there are early withdrawal penalties. Bay Bank’s early CD withdrawal penalties are standard, three-month interest penalty for 3 – 6 month CDs; a six month interest penalty may be imposed upon withdrawal of principal on 12 – 60 month CDs.

For a current CD rates list you can visit the bank’s website at baybankmd.com

 
Author: Robert Till
July 4th, 2012
Posted in: CD Rates from Banks

Current certificate of deposit rates at AIG Bank are lower then they were a year ago but that isn’t a surprise considering CD rates and other deposit rates keep making all-time record lows. To give you can example current CD rates on 6 month certificates of deposit are being offered at 0.50 percent.

Back in July 2012 6 month AIG Bank CD rates were higher at 1.05 percent with an APY of 1.06 percent. These days the best CD rates on 1 year certificates of deposit are just above this rate. CIT Bank is offering 1 year CD rates at 1.09 percent with an APY of 1.10 percent for account balances of $25,000 or more.

 Current 12 month bank CD rates at AIG Bank are being offered at 0.88 percent with an APY of 0.88 percent. The current national average 12 month CD rate is less an AIG’s rate at 0.68 percent. Back in July 2010 CD rates at banks were averaging 1.39 percent or a 12 month CD and AIG Bank had rates at 1.48 percent with an APY of 1.49 percent.

Moving onto longer certificate of deposit rates at AIG, current 18 month rates are also offered at 0.88 percent which is lower than last July’s rate of 1.59 percent with an APY of 1.60 percent.

Current 2 year rates are averaging 1.04 percent with an APY of 1.05 percent which is still lower than CIT Bank’s current 1 year rate for account balances of $25k or more.

3 year bank CD rates at AIG are currently at 1.14 percent with an APY of 1.15 percent. 60 month rates which are the highest CD rates offered at AIG are going for 1.59 percent with an APY of 1.60 percent.

 
Author: Lisa Graham
July 1st, 2012
Posted in: CD Rates from Banks

As with all CD rates at banks for the past several years American Express Bank CD rates have been lowered. While current CD rates at American Express Bank are better than the FDIC’s averages the bank’s rates are not the highest CD rates around.

For example, the longest term certificate of deposit at American Express is 60 months. The current CD interest rate on 5 year certificates of deposit are going for 1.09 percent with an APY of 1.10 percent. The current national average 5 year CD rate in the FDIC’s national average rate is 1.07 percent.

One of the best CD rates on 1 year CIT Bank CD rates is at 1.09 percent with an APY of 1.10 percent. Higher than both the 5 year national average and Amex Bank’s 5 year CD rate.

American Express Bank CD Rates

  • 6 Months Rate 0.40% APY 0.40%
  • 12 Months Rate 0.55% APY 0.55%
  • 18 Months Rate 0.60% APY 0.60%
  • 24 Months Rate 0.80% APY 0.80%
  • 36 Months Rate 0.90% APY 0.90%
  • 48 Months Rate 0.90% APY 1.00%
  • 60 Months Rate 1.09% APY 1.10%

A rate you can get right now at Amex Bank which is probably the best rate right now is on the Amex Bank Online Savings Account. The current savings account rate is 0.85 percent with an APY of 0.85 percent.

The Amex savings rate of 0.85 percent with better than 2 year CD rates and only 5 basis points lower than both Amex’s 36 month CD rate and 48 month CD rate.

Amex Bank also offers a CD calculator you can use to help you figure out how much interest you will earn on your CD deposit. It’s also depressing to see how much interest you’ll earn at Amex or any where else these days.

 
Author: Jason P. Jones
June 24th, 2012
Posted in: CD Rates from Banks

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.

 
Author: Robert Till
August 31st, 2011
Posted in: CD Rates from Banks
Sallie Mae Bank, the banking arm of the student loan company Sallie Mae is advertisting some of the highest CD rates currently available from any bank or credit union. Sallie Mae Bank current 1 year bank CD rates are at 1.19% with a CD yield of 1.20%. The current national average 1 year CD rate as reported by MonitorBankRates.com is less than half that rate at 0.51%.
Find the best CD rates by searching our CD rates lists in your state or zip: Best CD Rates.
 
Sallie Mae’s 1 year rate was tied with 1 year bank CD rates at Discover Bank but Discover recently lowered their rate to 1.14% with an APY of 1.15%, the same rate as 1 year CD rates at Ally Bank.

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.

 
Author: Jason P. Jones
August 26th, 2011
Posted in: CD Rates from Banks

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.

 
Author: Lisa Graham
August 4th, 2011
Posted in: CD Rates from Banks

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.

 
Author: Jason P. Jones
July 23rd, 2011
Posted in: CD Rates from Banks

Currently on our New York list of the highest 3 year CD rates Bank of Internet has the highest rate. Bank of Internet’s 3 year bank CD rate is 1.84% with a CD yield of 1.86%. That rate is higher than the national average 3 year rate of 1.14% as reported by MonitorBankRates.com.

Find the best CD rates at banks by searching our rate tables here: Bank CD Rates.

The second best rate on our list of New York CD rates is Broadway National Bank with a CD interest rate of 1.83% and a yield of 1.85%.

Another local bank has the third best CD rate in New York. Flatbush Federal S&L is offering 36 month CD rates at 1.80% with a yield of 1.82%.

Ponce de Leon FSB and State Bank Long Island have the fourth highest CD rate on our list. Both banks are offering 3 year rates at 1.78% with an yield of 1.80%.

Rounding out the top 5 CD Rates in New York are six different banks. Discover Bank, Roslyn Savings Bank, Ridgewood Savings Bank, Brooklyn FSB, Long Island Commercial and First Central Savings Bank are all offering 36 month rates at 1.73% with a yield of 1.75%.

 
Author: Lisa Graham
July 19th, 2011
Posted in: CD Rates from Banks

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

 
Author: Robert Till
July 15th, 2011
Posted in: CD Rates from Banks

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.

 
Author: Robert Till
June 29th, 2011
Posted in: CD Rates from Banks

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.

 
Author: Brian McKay
June 17th, 2011
Posted in: CD Rates from Banks

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

 
Author: Jason P. Jones
June 1st, 2011
Posted in: CD Rates from Banks

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?

 
Author: Brian McKay
May 25th, 2011
Posted in: CD Rates from Banks

California Community Bank, a small bank with branches in California is offering one of the highest CD rates on a 2 year certificate of deposit. The current 2 year bank CD rate is 1.55% with a bank CD yield of 1.56%. That rate is higher than current national average 2 year CD rate of 0.96%.

For the best CD rates at banks and credit unions search our rate tables at CDRates.MonitorBankRates.com.

California Community Bank’s certificates of deposit terms do have a lot of flexibility. Certificate of deposit accounts are available with terms ranging between 7 days to 5 years and every term in between those terms.

California Community Bank’s other certificate of deposit rates are not the best rates available but they are competitive. 12 to 17 month CD rates are at 1.00% with an APY of 1.00%. The best CD rates on 12 month CDs can be found at high as 1.29%.

7 day to 29 day certificate of deposits have a current CD interest rate of 0.25% with an APY of 0.25%. 1 to 2 month certificates of deposit have a rate and yield of 0.40%.

CD Rates California Community Bank

7 to 29 Days 0.25% Yield 0.25% 
1 to 2 Months 0.40% Yield 0.40% 
3 to 5 Months 0.50% Yield 0.50% 
6 to 11 Months 0.75% Yield 0.75% 
12 to 17 Months 1.00% Yield 1.00% 
18 to 23 Months 1.25% Yield 1.26% 
24 to 35 Months 1.55% Yield 1.56% 
36 to 47 Months 1.80% Yield 1.81% 
48 to 59 Months 2.01% Yield 2.03% 
60 Months 2.40% Yield 2.43% 

You probably haven’t heard of California Community Bank, they have branch locations in Escondido, Vista, Encinitas and San Diego, California. The bank’s deposits are FDIC insured. The bank is also a publicly traded company on the Over The Counter Bulletin Board (OTCBB) under the symbol “CABK.

 
Author: Robert Till
May 17th, 2011
Posted in: CD Rates from Banks

Certificates of deposit are time deposit accounts that investors open at banks, credit unions, brokerage houses and thrifts. Certificates of deposit rates are usually better than savings account rates, money market rates and checking account rates. 

Search and compare bank CD rates at CDRates.MonitorBankRates. You can find the highest CD rates from national banks and local banks.

When you open a certificate of deposit account you invest your money for a fixed period of time. Most banks offer certificate of deposit terms between 30 days and 5 years. There are certificates of deposit available with terms longer than 5 years.

The longest term certificates of deposit opened with the highest deposit amounts will probably have the best CD rates. You’d be surprised how much rates differ between financial institutions that offer the same certificate of deposit terms. That is why you should compare CD rates at banks like you would comparison shop any item you buy.

When you invest your monies in a certificate of deposit your money is “locked up” for the certificate of deposit term. You can have access to some or your entire principal before the maturity date but you pay a penalty for this privilege. When you compare rates make sure to also see what the early withdrawal penalties are.

This point is probably the most important point, when you’re looking at rates make sure the financial institutions certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC). Accounts insured by the FDIC are insured for up to $250,000 per depositor, per account.

If you open a certificate or share certificate at a credit union make sure the credit union’s deposits are insured by the National Credit Union Administration (NCUA). Accounts insured by the NCUA are insured for up to $250,000 per deposit, per account.

 Following is a check list you should have when searching for CD rates and opening an account..

  • What certificate of deposit term is best for my needs? Basically when will you need the money you’re investing?
  • When does the certificate of deposit mature?
  • Is the certificate of deposit callable? A callable certificate of deposit can be canceled by the financial institution at anytime.
  • Is the CD rate on the account fixed or variable? Fixed rates stay the same and variable rate change.
  • How is CD interest compounded? Daily, weekly, monthly, quarterly or annually. The more frequent interest is compounded the higher the annual percentage yield will be.
  • What are the early withdrawal penalties if I cash in the certificate of deposit before the maturity date?

There are many resources online that you can use to find the highest rates. MonitorBankRates.com has one of the more extensive rate tables you can use to get the best rates.

 
Author: Robert Till
May 13th, 2011
Posted in: CD Rates from Banks

Discover Bank is still offering some of the best CD rates available right now. The bank’s current 12 month CD rates are at 1.19 percent with a CD yield of 1.20 percent. That rate is considerably higher than the current national average 12 month rate of 0.593 percent as reported by MonitorBankRates.com.

Find the best CD rates in your area by search our rate lists at CDRates.MonitorBankRates.com.

Discover Bank’s 3 month CD interest rate is also one of the highest 3 month rates available right now. The bank’s current 3 month interest rate is 0.55 percent with a yield of 0.55 percent.

Discover Bank’s Current CD rates

  • 3 Months Rate 0.55% Yield 0.55%
  • 6 Months Rate 0.9% Yield 0.9%
  • 9 Months Rate 1.00% Yield 1.00%
  • 12 Months Rate 1.19% Yield 1.20%
  • 18 Months Rate 1.29% Yield 1.30%
  • 24 Months Rate 1.39% Yield 1.40%
  • 30 Months Rate 1.49% Yield 1.5%
  • 3 Years Rate 1.73% Yield 1.75%
  • 4 Years Rate 1.98% Yield 2.00%
  • 5 Years Rate 2.27% Yield 2.30%
  • 7 Years Rate 2.57% Yield 2.60%
  • 10 Years Rate 2.96% Yield 3.00%

Open a Discover Bank CD account here: Discover Bank CDs

 

 
Author: Robert Till
March 29th, 2011
Posted in: CD Rates from Banks

Searching for the highest CD rates in Jacksonville, Florida? Right now on our list of 12 month CD rates in Jacksonville, FL, Tennessee Commerce Bank has the highest CD rate. Tennessee Commerce Bank’s current 12 month bank CD interest rate is 1.29 percent with a bank CD yield of 1.30 percent. Tennessee Commerce Bank’s 12 month interest rate is more than double the current national average 12 month rate of 0.599 percent.

Compare bank CD rates and credit union CD rates in your state by using our CD rates list at CDRates.MonitorBankRates.com.

Bank of Internet USA has the second best CD rate in Jacksonville. Bank of Internet’s current 12 month bank CD rate is 1.25 percent with a bank CD yield of 1.26 percent. Bank of Internet’s rate is also more than double the national average rate.

The third best rate on our Jacksonville rate list is from three different banks – Nationwide Bank, Ally Bank and Union National Bank. 12 month rates at these banks are 1.24 percent with a yield of 1.25 percent.

The fourth highest rate on our list is from Discover Bank. The bank’s current 12 month rate is 1.19 percent with a yield of 1.20 percent. AIG Bank rounds out the top 5 rates on our list. AIG Bank’s current 12 month CD rates are at 1.14 percent with a CD interest yield of 1.15 percent.

CD Rates Jacksonville, Florida

Tennessee Commerce Bank 1.29% Yield 1.30% Min $2500
Bank of Internet USA 1.25% Yield 1.26% Min $1000
Ally Bank 1.24% Yield 1.25% Min $ 1
Nationwide Bank 1.24% Yield 1.25% Min $10,000
Union National Bank 1.24% Yield 1.25% Min $5000
Discover Bank 1.19% Yield 1.20% Min $2500
AIG Bank 1.14% Yield 1.15% Min $2500
Giantbank.com 1.10% Yield 1.11% Min $2500
Pentagon Federal Credit Union 1.00% Yield 1.00% Min $1000
PenFed 1.00% Yield 1.00% Min $1000
First Internet Bank of IN 1.00% Yield 1.00% Min $1000
EverBank 1.00% Yield 1.00% Min $1500
Sallie Mae 1.00% Yield 1.00% Min $ 1
Georgia Bank & Trust 1.00% Yield 1.00% Min $500

 
Author: Brian McKay
March 15th, 2011
Posted in: CD Rates from Banks

Searching our CD rates list in Miami, Florida, we found Bank of Internet has the highest 1 year CD rate. Bank of Internet is offering 1 year CD interest rates at 1.30 percent with a CD interest yield of 1.31 percent. Bank Of Internet’s current rate is more than double the current national average 12 month rate of 0.60 percent.   

The second best 1 year rate on our list in Miami, Florida is from Ally Bank. The bank is offering 1 year bank CD rates at 1.28 percent with a CD yield of 1.29 percent. Ally Bank’s rate is also more than double the current national average rate.

Pentagon Federal Credit Union and Union National Bank have the third highest 1 year CD rate on our list in Miami. Both the bank and credit union are offering 1 year CD rates at 1.25 percent with a yield of 1.26 percent.

Miami, Florida CD Interest Rates

Bank of Internet USA 1.30% Yield 1.11% Min  $1000
Ally Bank 1.28% Yield 1.29% Min  $ 1
PenFed 1.25% Yield 1.26% Min  $1000
Nationwide Bank 1.24% Yield 1.25% Min  $10,000
Discover Bank 1.24% Yield 1.25% Min  $2500
AIG Bank 1.14% Yield 1.15% Min  $2500
Giantbank.com 1.10% Yield 1.11% Min  $2500
Ameriprise Bank FSB 1.04% Yield 1.05% Min $10,000
EverBank 1.04% Min  $1500
Tennessee Commerce Bank 1.00% Min  $2500
Sallie Mae 1.00% Min  $ 1ING DIRECT 1.00% Min  $ 1
First Internet Bank of IN 1.00% Min  $1000

 
Author: CD Rates
February 20th, 2011
Posted in: CD Rates from Banks

Searching our CD rates list in Atlanta, Georiga we found Bank of Internet has the best 12 month CD rate. Bank of Internet’s current 1 year bank CD rate is 1.30 percent with a bank CD yield of 1.31 percent. The national average 12 month CD rate is about half Bank of Internet’s rate. The current national average 12 month CD rate of 0.67percent as reported by MonitorBankRates and Informars.  

The second highest 12 month rate on our list in Atlanta, GA is from Ally Bank. The bank’s current 12 month CD rate is 1.28 percent with a bank CD yield of 1.29 percent.

Union National Bank and Pentagon Federal Credit are tied with the third best interestrate on our list in Atlanta. Both PenFedand Union National are offering 1 year rates at 1.25 percent with a yield of 1.26 percent.

Atlanta, Georgia CD Interest Rates

Bank of Internet USA 1.41% Min  $1000
Discover Bank 1.30% Min  $2500
Sallie Mae 1.30% Min  $ 1
Ally Bank 1.29% Min  $ 1
PenFed 1.26% Min  $1000
Nationwide Bank 1.25% Min  $10,000
Giantbank.com 1.21% Min  $2500
AIG Bank 1.15% Min  $2500
Tennessee Commerce Bank 1.05% Min  $2500
EverBank 1.03% Min  $1500
Maine Bank & Trust Company 1.01% Min  $1000
ING DIRECT 1.00% Min  $ 1
First Internet Bank of IN 1.00% Min  $1000

 
Author: Jason P. Jones
February 9th, 2011
Posted in: CD Rates from Banks

Elkhorn Valley Bank and Trust of Norfolk, Nebraska, is offering some of the highest CD rates available in Nebraska. In fact, you probably won’t find CD rates at banks or credit unions higher than Elkhorn Valley Bank and Trust’s rates. Bank CD rates at Elkhorn Valley Bank and Trust are avilable in terms ranging between 6 months and 60 months.

6 month CD rates at the bank are some of the best CD rate available. Elkhorn Valley Bank and Trust’s current 6 month CD interest rate is 1.19 percent with a CD interest yield of 1.20 percent. Elkhorn Valley Bank and Trust’s 6 month interest rate is almost three times the current national average 6 month rate of 0.41 percent. In fact, the bank’s 6 month rate is better than most 12 month CD rates currently available.

Speaking of 12 month CD rates, Elkhorn Valley Bank and Trust’s current 12 month certificate of deposit rates are at 1.69 percent with a CD yield of 1.70 percent. The bank’s 1 year rates are more than double the current national average rate of 0.672 percent.

CD Rates Elkhorn Valley Bank and Trust

  • 6 Month Rates 1.19% CD Yields 1.20%
  • 1 Year Rates 1.69% CD Yields 1.70%
  • 2 Year Rates 1.79% CD Yields 1.80%
  • 3 Year Rates 1.99% CD Yields 2.00%
  • 4 Year Rates 2.08% CD Yields 2.10%
  • 5 Year Rates 2.18% CD Yields 2.20%
 
Author: Lisa Graham
February 3rd, 2011
Posted in: CD Rates from Banks

Bank of Internet has the highest 24 month bank CD rate on our list in Chicago, Illinois. Bank of Internet is currently offering 2 year CD rates at 1.59 percent with a CD yield of 1.60percent. Bank of Internet’s 2 year rate is a lot higher than the current national average rate of 0.94 percent.

The second best CD rate on our 2 year list in Chicago, IL is from Ally Bank. Ally is offering 2 year CD interest rates at 1.51 percent with a yield of 1.52 percent. Ally also gives the you the option of “bumping up” the rate once during the term.

Discover Bank, Pentagon Federal Credit Union and Nationwide are tied with the third highest CD rate in Chicago. All three banks are offering 24 month rates at 1.49 percent with a yield of 1.50 percent.

Rounded out the top 5 rates is EverBank. The bank is offering 2 year certificate of deposit rates at 1.44 percent with a yield of 1.55 percent.

Chicago, Illinois CD Rates

Bank of Internet USA Rates 1.59% Yield 1.60% Min $1000 
Ally Bank Rates 1.51% Yield 1.52% Min $ 1 
Discover Bank Rates 1.49% Yield 1.50% Min $2500 
PenFed Rate 1.49% Yield 1.50% Min $1000 
Nationwide Bank Rate 1.49% Yield 1.50% Min $10,000 
EverBank Rates 1.44% Yield 1.45% Min $1500 
Tennessee Commerce Bank Rates 1.39% Yields 1.40% Min $2500 
Ameriprise Bank FSB Rates 1.39% Yields 1.40% Min $10000 
First Internet Bank of IN Rates 1.34% Yields 1.35% Min $1000 
AIG Bank Rates 1.34% Yields 1.35% Min $2500 
Giantbank.com Rates 1.30% Yields 1.31% Min $2500 
Foster Bank Rates 1.28% Yields 1.29% Min $1000 
ING DIRECT Rates 1.24% Yields 1.25% Min $ 1 
American Express Bank FSB Rates 1.24% Yields 1.25% Min $ 0 
E-LOAN.com Rates 1.09% Yields 1.10% Min $10,000

 
Author: CD Rates
January 26th, 2011
Posted in: CD Rates from Banks

The national average 12 month CD interest rate is currently 0.617 percent. You can find bank interest rates higher than the national average. We searched our 12 month CD rates list in Northern California and found Bank of Internet USA is offering 12 month rate at 1.40 percent with a yield of 1.41 percent. We also found Discover Bank and Sallie Mae both offering 1 year rates at  1.29 percent with a yield of 1.30 percent.

If you’re thinking about investing in a short term certificates of deposit we also have rate lists for 3 month and 6 month certificates of deposit. The highest 3 month CD rate on our list in Northern California La Jolla Bank. The bank is currently offering 3 month rates at 0.70 percent with a yield of 0.70 percent.

Second on our 3 month Northern CA list is Ally Bank with a rate and yield of 0.64 percent. The third best rate on our list goes to three different banks. Discover Bank, Nationwide Bank and Luther Burbank Savings are all offering 3 month rates and yields at 0.60 percent.

Moving onto 6 month rates are some of the same banks. Bank of Internet has the highest 6 month rate at 1.10 percent with a yield of 1.11 percent. Second on our 6 month CA list is La Jolla Bank with a rate and yield of 1.05 percent. Third on our list is Ally Bank with a bank CD rate of 1.04 percent with a bank yield of 1.04 percent. Discover Bank is fourth on our list with an interest rate and yield of 1.00 percent.

Find the best CD rates from banks and credit unions in your area by seaching our interest rate lists here: CD Interest Rates. We also offer a free CD calculator and free CD ladder calculator you can use to help you figure out your return on your investment.

 
Author: Brian McKay
January 24th, 2011
Posted in: CD Rates from Banks

The current 12 month national CD rate is averaging 0.61 percent today. Just last week 12 month rates were averaging 0.70 percent, almost 10 basis points higher. If you’re looking for 12 month CD rates at banks and credit unions you can find rates higher than the national average CD interest rate. Searching our Norther New Jersey CD rate list we found Bank of Internet USA has the highest bank CD rate. Bank of Internet is currently offering 12 month bank CD rates at 1.40 percent with a bank CD yield of 1.41 percent. That rate is more than double the current national average 12 month CD rate.

The second best bank CD interest rate on our list in Northern, NJ are from two different banks. Sallie Mae Bank and Discover Bank are both offering 12 month CD interest rates at 1.29 percent with a bank CD interest yield of 1.30 percent. These rates are still double the national average.

Ally Bank has the third highest CD rate on our list in Northern, NJ. The current 12 month CD rate at Ally Bank is 1.28 percent with a bank CD interest yield of 1.29 percent.

The only credit union on our list in the top five is Pentagon Federal Credit Union. The credit union’s 12 month CD rates at available at 1.25 percent with a yield of 1.26 percent.

The lowest CD rate available on our list in Northern, NJ is from Wachovia Bank. The bank’s current rate on 12 month certificates of deposit is only 0.15 percent.

CD Interest Rates Northern, NJ

  • Bank of Internet USA Rate 1.40% Yield 1.41% Min $1000
  • Discover Bank Rate 1.29% Yield 1.30% Min $2500
  • Sallie Mae Rate 1.29% Yield 1.30% Min $ 1
  • Ally Bank Rate 1.28% Yield 1.29% Min $ 1
  • PenFed Rate 1.25% Yield 1.26% Min $1000
  • Nationwide Bank Rate 1.24% Yield 1.25% Min $10,000
  • Giantbank.com Rate 1.20% Yield 1.21% Min $2500
  • AIG Bank Rate 1.14% Yield 1.15% Min $2500
  • Tennessee Commerce Bank Rate 1.04% Yield 1.05% Min $2500
  • EverBank Rate 1.04% Yield 1.04% Min $1500
  • Beal Bank Rate 1.01% Yield 1.01% Min $1000
  • ING DIRECT Rate 1.00% Yield 1.00% Min $ 1
  • First Internet Bank of IN Rate 1.00% Yield 1.00% Min $1000
  • Ameriprise Bank FSB Rate 1.00% Yield 1.00% Min $10,000
 
Author: Jason P. Jones
January 20th, 2011
Posted in: CD Rates from Banks

The current national average 12 month CD interest rate is 0.68 percent this morning. Of course there are rates from banks and credit unions that are higher than the national average. We searched our 12 month rate tables in the State of Tennessee and found Bank of Internet is offering 12 month rates double the national average rate. The bank’s current 1 year CD rate is 1.40 percent with a CD yield of 1.41 percent.

Next on our list of the top 12 month rates in TN is from Discover Bank and Sallie Mae Bank. Both banks are offering 1 year bank CD rates at 1.29 percent with a yield of 1.30 percent.

Moving onto the best 3 month TN CD rates. The highest 3 month rates on our CD list are from Cornerstone Community Bank and Bank of Bartlett. Both banks are offering 3 month rates at 0.70 percent with yields at 0.70 percent. The current national average 3 month rate is only 0.27 percent.

Ally Bank is close behind with the second best 3 month rate. Ally Bank’s current rate is 0.64 percent with a CD yield of 0.64 percent. Although Ally’s rate is the second best rate on our list their rate is still more than double the average 3 month CD rates at banks and credit unions.

Top 12 month CD Yields in Tennessee

  • Bank of Internet USA 1.41% Min $1000 
  • Discover Bank 1.30% Min $2500 
  • Sallie Mae 1.30% Min $ 1 
  • Ally Bank 1.29% Min $ 1 
  • Pentagon Federal Credit Union 1.26% Min $1000
  • Nationwide Bank 1.25% Min $10,000

Top 3 Month CD Yields in Tennessee

  • Cornerstone Community Bank 0.70% Min $1000 
  • Bank of Bartlett 0.70% Min $1000 
  • Ally Bank 0.64% Min $ 1 
  • Discover Bank 0.60% Min $2500 
  • Giantbank.com 0.60% Min $2500 
  • Nationwide Bank 0.60% Min $10,000 
  • Tennessee Commerce Bank 0.55% Min $2500 
  • EverBank 0.55% Min $1500
 
Author: CD Rates
January 8th, 2011
Posted in: CD Rates from Banks

Bank of Internet, based in San Diego, California, tops our 1 year CD rates list in the State of Delaware. Bank of Internet’s 1 bank CD interest rate is 1.40 percent with a CD yield of 1.41 percent. The minimum opening deposit is $1,000. Discover Bank has the second highest bank CD rate on our list in Delware. Discover Bank’s 12 month CD interest rate is 1.34 percent with a CD yield of 1.35 percent. The minimum opening deposit is $2,500. Last week Discover Bank, Nationwide Bank and Giantbank.com were tied for second place but Nationwide and Giantbank recently lowered their CD rates.

Ally Bank has the third best CD rate on our Delware CD rates list. Ally Bank’s current 12 month bank CD rate is 1.31 percent with a CD yield of 1.32 percent. The minimum opening balance for a certificate of deposit account at Ally is only $1.

Find the best CD rates in your state and city by using our CD rate tables. MonitorBankRates.com has a list of CD rates for Wilmington, DE, Dover, DENewark, DE an every other city in Delaware and the United States.

Delaware CD Rates & CD Yields

Bank of Internet USA 1.41% CD Yields Min $1000 
Discover Bank 1.35% CD Yields Min $2500 
Ally Bank 1.32% CD Yields Min $ 1 
Giantbank.com 1.31% CD Yields Min $2500 
American Express Bank FSB 1.30% CD Yields Min $ 0 
Sallie Mae 1.30% CD Yields Min $ 1 
PenFed 1.26% CD Yields Min $1000 
ING DIRECT 1.25% CD Yields Min $ 1 
Nationwide Bank 1.25% CD Yields Min $10,000 
Tennessee Commerce Bank 1.15% CD Yields Min $2500 
AIG Bank 1.10% CD Yields Min $2500 
EverBank 1.01% CD Yields Min $1500 
First Internet Bank of IN 1.00% CD Yields Min $1000 
Ameriprise Bank FSB 0.95% CD Yields Min $10,000 
Flagstar Bank 0.95% CD Yields Min $500 
Artisans Bank 0.80% CD Yields Min $1500 
E-LOAN.com 0.75% CD Yields Min $10,000 
HSBC Advance 0.70% CD Yields Min $1000 
Allstate Bank 0.60% CD Yields Min $1000 
Citibank 0.50% CD Yields Min $10,000 
BankDirect 0.50% CD Yields Min $10,000 
Capital One Direct Banking 0.50% CD Yields Min $5000 
PNC Bank 0.50% CD Yields Min $1000 
Bank of America 0.45% CD Yields Min $10,000 
Wilmington Savings Fund Society 0.40% CD Yields Min $10,000 
Zions Bank 0.35% CD Yields Min $1000 12 mo
Chase 0.20% CD Yields Min $10,000 
Wachovia Bank 0.15% CD Yields Min $10,000 
Applied Bank 0.15% CD Yields Min $2500

 
Author: CD Rates
November 21st, 2010
Posted in: CD Rates from Banks

The best 1 year CD rate on our CD rates table in San Jose, California is from Bank of Internet headquartered in San Diego, California. Bank of Internet’s current 12 month CD rate is 1.47 percent with a CD yield of 1.48 percent. The minimum opening deposit for a CD account at Bank of Internet is $1,000.

We have a three way tie for the second highest CD rate on our San Jose, California CD rate table. GiantBank.com, Nationwide Bank and Discover Bank all have a current bank CD rate of 1.34 percent with a bank CD yield of 1.35 percent.

Ally Bank has the third best CD rate on our list in San Jose, CA. Ally Bank’s current CD rate is 1.33 percent with a CD yield of 1.34 percent. The minimum opening certificate of deposit account balance at Ally Bank is only $1.

American Express Bank has the fourth best CD rate on our list. American Express is currently offering their 12 month CD rate at 1.29 percent with a CD yield of 1.30 percent. There is no minimum opening account balance for an Amex certificate of deposit.

San Jose, California CD Rates & CD Yields

Bank of Internet USA CD Rate 1.40% CD Yield 1.41% Min $1000 
Giantbank.com CD Rate 1.34% CD Yield 1.35% Min $2500 
Nationwide Bank CD Rate 1.34% CD Yield 1.35% Min $10,000 
Discover Bank CD Rates 1.34% CD Yield 1.35% Min $2500 
Ally Bank CD Rates 1.33% CD Yields 1.34% CD Min $ 1 
American Express Bank FSB CD Rate 1.29% CD Yield 1.30% Min $ 0 
Sallie Mae CD Rate 1.39% CD Yield 1.40% Min $ 1 
Pentagon Federal Credit Union CD Rate 1.25% CD Yield 1.26% Min $1000 
ING DIRECT CD Rates 1.24% CD Yields 1.25%Min $ 1
La Jolla Bank CD Interest Rates 1.19% Bank CD Yields 1.20% Min $10,000  
Tennessee Commerce Bank CD Rate 1.14% CD Yield 1.15% Min $2500
Luther Burbank Savings CD Rates 1.09% Savings CD Yields 1.10% Min $1000 
AIG Bank CD Interest Rates 1.09% CD Interest Yields 1.10% Min $2500
EverBank CD Yield 1.01% Min $1500 
First Internet Bank of IN CD Yields 1.00% Min $1000

 
Author: CD Rates
November 10th, 2010
Posted in: CD Rates from Banks

The best 12 month CD rate on our CD rates table in Winter Haven, Florida is from Bank of Internet USA based in San Diego, California. Bank of Internet’s current 12 month CD rate is 1.47 percent with a CD yield of 1.48 percent.

Next on our Winter Haven, FL CD rate list is Sallie Mae Bank with a CD interest rate of 1.39 percent with a CD yield of 1.40 percent. Tied for third on our list of Winter Haven bank CD rates and Winter Haven credit union CD rates is GiantBank.com, Nationwide Bank and Discover Bank. All three bank’s have a current bank CD rate of 1.34 percent with a bank CD yield of 1.35 percent.

Ally Bank has the fourth highest Winter Haven CD rate on our list. Ally Bank’s current CD rate is 1.33 percent with a CD yield of 1.34 percent. American Express Bank rounds out the top 5 rates with a rate of 1.29 percent and a CD yield of 1.30 percent.

Pentagon Federal Credit Union (PenFed) has the sixth highest CD rate on our list. PenFed is also has the highest credit union CD rate on our list. PenFed’s current credit union CD Rate is 1.25 percent with a credit union CD yield of 1.26 percent.

Winter Haven Florida Best CD Rates & CD Yields

Bank of Internet USA CD Rate 1.47% CD Yield 1.48% Min $1000 
Sallie Mae CD Rate 1.39% CD Yield 1.40% Min $ 1 
Giantbank.com CD Rate 1.34% CD Yield 1.35% Min $2500 
Nationwide Bank CD Rate 1.34% CD Yield 1.35% Min $10,000 
Discover Bank CD Rates 1.34% CD Yield 1.35% Min $2500 
Ally Bank CD Rates 1.33% CD Yields 1.34% CD Min $ 1 
American Express Bank FSB CD Rate 1.29% CD Yield 1.30% Min $ 0 
Pentagon Federal Credit Union CD Rate 1.25% CD Yield 1.26% Min $1000 
ING DIRECT CD Rates 1.24% CD Yields 1.25%Min $ 1 
Tennessee Commerce Bank CD Rate 1.14% CD Yield 1.15% Min $2500 
AIG Bank CD Interest Rates 1.09% CD Interest Yields 1.10% Min $2500
EverBank CD Yield 1.01% Min $1500 
First Internet Bank of IN CD Yields 1.00% Min $1000

 
Author: CD Rates
November 2nd, 2010
Posted in: CD Rates from Banks

Bank CD rates and credit union CD rates have been declining for just over two years now. The current national average 1 year CD rate is 0.78 percent, not a great return on your savings. There are 1 year CD rates and CD yields that are considerably higher than the national average interest rate.

You can use our CD rate tables to find the highest CD rates. Right now on our CD rate list in New York, New York, Bank of Internet USA tops the list with a 12 month CD rate of 1.47 percent with a CD yield of 1.48 percent. The bank also tops our list in Brooklyn, New York with the same CD rate and CD yield.

For shorter term CD rates in New York, NY, First Central Savings Bank has the best 3 month CD rate on our list. First Central Savings Bank is current offering their 3 month bank CD rate at 1.01 percent with a bank CD yield of 1.01 percent.

First Central Savings Bank also tops our 6 month CD rate list and 18 month CD rate list in New York, NY. The bank’s current 6 month CD interest rate is 1.14 percent with a bank CD yield of 1.15 percent. Their 18 month rate is 1.53 percent with an APY of 1.54 percent. Astoria Federal Savings is second on our 18 month list. Astoria Federal Savings’ 18 month CD rate is 1.49 percent with an APY of 1.50 percent.

Bank of Internet also has the best 24 month bank CD rate on our New York list. The bank’s current 24 month CD rate is 1.77 percent with an APY of 1.79 percent. Eastbank has the second best 2 year CD rate. The bank’s current 2 year CD rate is 1.73 percent with an APY of 1.75 percent.

 
Author: CD Rates
October 8th, 2010
Posted in: CD Rates from Banks

Certificate of deposit rates are so low these days interest rates have no where to go but higher. The big question is when will rates go higher? At this point we can only speculate but we hope interest rates will start heading higher sometime in 2011.

That being said we recommend investing in short term certificate of deposit of less than 12 months. Preferably 3 month to 6 month certificate of deposit is probably best so you take advantage of higher interest rates when they finally do arrive.

Right now the current national average 3 month CD rate is only 0.29 percent. You can find 3 month certificate of deposit rates higher than the national averages. To make your search easier we have compiled a list of the highest CD rates at banks and highest credit unions in the state of New Jersey. We also have listed the lowest CD rates for your amusement.

The highest 3 month CD rate on our New Jersey list of 3 month CD rates is offered by BankDirect. The bank’s current 3 month CD rate is 0.75 percent with an annual percentage yield (APY) of 0.75 percent. The minimum opening certificate of deposit account balance is $10,000.

Ally Bank has the second best 3 month bank CD rate in New Jersey. Ally Bank’s 3 month interest rate is 0.74 percent with an APY of .074 percent. The minimum opening balance at Ally is only $1.

The worst 3 month NJ CD rate belongs to Wachovia Bank. The bank’s current 3 month CD rate is 0.01 percent. Next in line with the second worst 3 month CD rate is Bank of America. Bank of America’s 3 month CD rate is 0.03 percent.

Just across the Hudson River in New York, First Central Savings Bank is offering 3 month rates at 1.01 percent. Across the Delaware River in Pennsylvania, BankDirect also tops the PA 3 month interest rate list with a rate of 0.75 percent.

Highest 3 Month CD Rates in New Jersey

  • BankDirect 0.75% APY Min $10,000
  • Ally Bank 0.74% APY Min $ 1
  • Discover Bank 0.70% APY Min $2500
  • Third Federal 0.70% APY Min $500
  • Nationwide Bank 0.70% APY Min$10,000
  • Giantbank.com 0.65% APY Min $2500
  • EverBank 0.60% APY Min $1500
  • Tennessee Commerce Bank 0.60% APY Min $2500

Lowest 3 Month CD Rates in New Jersey

  • Wachovia Bank 0.01% APY Min $10,000 
  • Bank of America 0.03% APY Min $10,000 
  • HSBC Advance 0.05% APY Min $1000 
  • Regions Bank 0.05% APY Min $2500 
  • Chase 0.10% APY Min $10,000 
  • SunTrust Bank 0.10% APY Min $10,000 
  • Zions Bank 0.10% APY Min $1000 
  • Citibank 0.20% APY Min $10,000 
  • Allstate Bank 0.25% APY Min $1000 
  • Coastline FCU 0.25% APY Min $1000
 
Author: Robert Till
September 24th, 2010
Posted in: CD Rates from Banks

Are you searching and comparing CD rates in Denver, Colorado? Did you know the current national average 12 month certificate of deposit rate is only 0.85 percent? Of course you can find CD rates higher than the average rates.

Right now on the CD rate tables for Denver, Colorado on MonitorBankRates.com Sallie Mae Bank and Flagstar Bank are both offering 12 month bank CD rates at 1.54 percent with an annual percentage yield of 1.55 percent. Both bank’s CD rates are almost double the current national average 12 month CD rate.

Next on our list of the Best CD Rates in Denver, Colorado is Bank of Internet USA. Bank of Internet’s current 1 year CD rate is 1.47 percent with an APY of 1.48 percent. Giantbank.com has the third best CD rate on our list for Denver, Colorado. Giantbank’s current 1 year bank CD interest rate is 1.45 percent with an APY of 1.46 percent.

Following is a list of the best CD rates at banks and credit unions in Denver, CO.

Best CD Rates: Denver, Colorado

  • Sallie Mae 1.55% APY Min $ 1 
  • Flagstar Bank 1.55% APY Min $500 
  • Bank of Internet USA 1.48% APY Min $1000 
  • Giantbank.com 1.46% APY Min $2500 
  • Discover Bank 1.45% APY Min $2500 
  • Ally Bank 1.44% APY Min $ 1 
  • AIG Bank 1.41% APY Min $2500 
  • Nationwide Bank 1.40% APY Min $10,000 
  • Tennessee Commerce Bank 1.35% APY Min $2500 
  • PenFed 1.31% APY Min $1000 
  • American Express Bank FSB 1.30% APY Min $ 0 
  • EverBank 1.15% APY Min $1500 
  • BankDirect 1.11% APY Min $10,000 
  • ING DIRECT 1.00% APY Min $ 1 
  • First Internet Bank of IN 1.00% APY Min $1000 
  • HSBC Advance 0.90% APY Min $1000

Use our free CD calculator to calculate your return when investing in a certificate of deposit. Thinking of doing a CD ladder? Use our free CD ladder calculator to figure our your return.

 
Author: CD Rates
August 29th, 2010
Posted in: CD Rates from Banks

Corridor State Bank of Iowa City, Iowa, is advertising some of the very best CD rates currently available from any bank or credit union in Iowa. Corridor State Bank is advertising certificates of deposit with terms ranging between 3 months and 5 years.

Corridor State Bank is also advertising a special 19 month certificate of deposit. The bank’s 19 month certificate of deposit currently has a bank CD rate of 2.03 percent with an annual percentage yield of 2.05 percent. The bank’s 19 month CD interest rate is more than double the current national average 18 month CD rate of 0.91 percent.

Corridor State Bank’s 12 month CD rate is one of the best 12 month CD rates available. The current 12 month CD rate is 1.54 percent with an APY of 1.55 percent. That CD rate is one of the highest CD rates on our CD rate list in Iowa. Sallie Mae Bank and Flagstar Direct are also currently offering 12 month CD rates of 1.54 percent with an APY of 1.55 percent.

Corridor State Bank CD Rates

  • 3 Month CD Rates 0.90% APY 0.90%
  • 6 Month CD Rates 1.00% APY 1.00%
  • 9 Month CD Rates 1.25% APY 1.25%
  • 12 Month CD Rates 1.54% APY 1.55%
  • 16 Month CD Rates 1.74% APY 1.75%
  • 18 Month CD Rates 1.88% APY 1.90%
  • 24 Month CD Rates 2.08% APY 2.10%
  • 30 Month CD Rates 2.23% APY 2.25%
  • 36 Month CD Rates 2.28% APY 2.30%
  • 48 Month CD Rates 2.57% APY 2.60%
  • 60 Month CD Rates 2.86% APY 2.90%

Find the highest CD rates by searching our CD rate tables at MonitorBankRates.com. You can also use our free CD calculator and CD ladder calculator.
 
Author: Robert Till
August 14th, 2010
Posted in: CD Rates from Banks

Flagstar Direct, the online banking arm of Flagstar Bank, is advertising two of the best CD rates currently available. Flagstar Direct is advertising one of the highest 6 month CD rates and one of the highest 12 month CD rates available.

Flagstar Direct’s 6 month CD rate is 1.24 percent with an annual percentage yield of 1.25 percent. That 6 month CD rate is one of the best CD rates available from any bank or credit union. Flagstar Direct’s 6 month CD rates also beats the current national average 6 month CD rate of 0.63 percent. In fact, their CD rate is almost double the national average rate.

For more information about Flagstar Direct’s 6 month CD rate or to open an account visit: Flagstar Direct 6 month CD Yield of 1.25%.

Flagstar Direct’s current 12 month CD rate is 1.54 percent with an annual percentage yield of 1.55 percent. Flagstar Direct’s 12 month CD rate is almost double the current national average 12 month CD rate of .083 percent. Flagstar Direct’s 12 month CD rate is also the highest 12 month CD on our CD rate tables.

For more information about Flagstar Direct’s 12 month CD rate visit or to open an account: Flagstar Direct 12 month CD Yield of 1.55%.

The benefits of Flagstar Direct online certificates of deposit include:

  • Competitive yields
  • A minimum opening deposit of $500
  • Security with an FDIC-insured account

Certificate of deposit rates change constantly, for a list of current CD interest rates go to flagstardirect.com. Use monitorbankrates.com’s free CD calculator to calculate your return on your certificate of deposit investment.  We also offer a free CD ladder calculator so you can calculate your return on a CD ladder.

 
Author: CD Rates
August 4th, 2010
Posted in: CD Rates from Banks

Ally Bank is currently offering some of the highest CD rates available right now at any bank or credit uion. Ally Bank is advertising certificate of deposit terms ranging from 3 months to 60 months. Ally Bank also offers two other types of certificates of deposit. A No Penalty certificate of deposit and a Raise Your Rate certificate of deposit.

The No Penalty certificate of deposit is available in an 11 month CD term with a current CD rate of 1.34 percent with an annual percentage yield of 1.35 percent. Ally Bank’s 11 month CD rate is higher than most 12 month CD rates from banks and credit unions. With a No Penalty CD you can withdraw your money with interest at anytime after the first 6 days.

Ally Bank’s Raise Your Rate certificate of deposit is available in a term of 2 years. The current Raise Your Rate CD rate is 1.90 percent with an APY of 1.92 percent. You can the option of raising your CD rate once during the certificate of deposit term.

The 24 month CD rate an is an excellent CD rate in general but considering you can raise the CD rate once during the term the rate is even better. Most “Bump-Up” or “Raise the Rate” certificates of deposit have rates a lot lower than Ally Bank’s 2 year CD rate.

Ally CD Rates

  • 3 Month Bank CD Rates 0.69% APY 0.69%
  • 6 Month Bank CD Rate 1.13% APY 1.14%
  • 9 Month CD Rate 1.00% APY 1.00%
  • 12 Month CD Rates 1.47% APY 1.48%
  • 18 Month CD Interest Rates 1.59% APY 1.60%
  • 3 Year CD Interest Rate 2.22% APY 2.24%
  • 4 Year CD Rates at Bank 2.43% APY 2.46%
  • 5 Year CD Rates at Bank 2.90% APY 2.94%

Certificate of deposit rates can change constantly for a current list of Ally Bank’s CD interest rates go to Ally.com

 
Author: Brian McKay
July 30th, 2010
Posted in: CD Rates from Banks

Bank of Internet is currently offering some of the best CD rates available right now. The bank’s certificate of deposit are available in terms ranging between 3 months to 60 months and every month in between. The minimum opening certificate of deposit balance at Bank of Internet is $1,000.

Bank of Internet’s 3 month to 5 month CD rates are at 0.35 percent with an annual percentage yield of 0.35 percent. That CD rate is competitive with the current national average rates.

Bank of Internet’s longer term CD rates are better deals right now. Certificates of deposit with terms of 6 months to 11 months have a current CD interest rate of 0.75 percent with an APY of 0.75 percent.

Current 12 month CD rates to 23 month CD rates are at 1.25 percent with an APY of 1.26 percent. To give you an idea of how their CD rates compete the current national average 12 month CD rate at banks and credit unions is 0.83 percent.

Bank of Internet - CD Rates

  • 3 to 5 Months Bank CD Rates 0.35% APY 0.35%
  • 6 to 11 Months Bank CD Rate 0.75% APY 0.75%
  • 12 to 23 Months Bank CD Interest Rates 1.26% APY 1.25%
  • 24 to 35 Months Bank CD Interest Rate 1.94% APY 1.92%
  • 36 to 47 Months CD Rates at Bank 2.28% APY 2.25%
  • 48 to 59 Months CD Rates 2.50% APY 2.47%
  • 60 month CD Rates 2.82% APY 2.78%

CD rates change all the time. For a current list of bank CD rates at Bank of Internet go to bankofinternet.com.

 
Author: CD Rates
July 26th, 2010
Posted in: CD Rates from Banks

Black River Country Bank of Black River Falls, Wisconsin, is advertising some of the best CD rates available right now. Black River Country Bank is advertising CD rates with deposit terms between 6 months and 5 years. The minimum opening certificate of deposit balance is $1,000.

Black River Country Bank’s short term CD rates are some of the best CD rates available. The bank’s 6 month CD interest rate is 1.30 percent with an annual percentage yield of 1.31 percent. That 6 month CD rate is more than double the current national average 6 month CD rate of 0.63 percent.

Black River Country Bank’s 12 month CD interest rate is one of the highest 12 month CD rates available from any bank or credit union. The bank’s current 12 month CD is 1.60 percent with an annual percentage yield of 1.61 percent. That CD rate beats the current national average 12 month CD rate of 0.83 percent.

Black River Country Bank CD Rates

  • 6 Month CD Rates 1.30% APY 1.31%
  • 1 Year Bank CD Rates 1.60% APY 1.61%
  • 2 Year CD Interest Rates 2.00% APY 2.02%
  • 3 Year CD Rate 2.30% APY 2.32%
  • 4 Year Bank CD Rate 2.60% APY 2.63%
  • 5 Year CD Rates at Bank 3.00% APY 3.03%

CD interest rates change constantly. For a current list of Black River Country Bank’s CD rates go to brcbank.com.

 
Author: CD Rates
July 21st, 2010
Posted in: CD Rates from Banks

Colorado Federal Savings Bank is adverting some of the highest CD rates available today. Colorado FSB is advertising certificates of deposit with terms of 6 months to 60 months. The minimum opening certificate of deposit balance is $5,000.

Colorado Federal Savings Bank’s short term CD rates are some of the best short term rates available. The bank’s current 6 month CD interest rate is 1.14 percent with an annual percentage yield of 1.15 percent. That 6 month CD rate beats the current national average 12 month CD rate of 0.83 percent.is almost double the national average 6 month CD rate and is better than the national average 12 month CD rate of 0.83 percent.

Colorado Federal Savings Bank’s 12 month CD rates are some of the best 12 month CD rates available. The bank’s current 12 month CD interest rate is 1.44 percent with an APY of 1.45 percent.

The bank’s 24 month CD rates are currently at 1.93 percent with an APY of 1.95 percent. The bank’s 24 month CD rate is 0.65 percent better than the current national average 24 month CD rate of 1.30 percent.

The bank’s 36 month bank CD rates are at 2.27 percent with an APY of 2.30 percent. The bank’s longest term CD rates, 60 month CD rates are 2.76 percent with an APY of 2.70 percent.

Colorado Federal Savings Bank’s current CD interest rates can be found at coloradofederalbank.com.

 
Author: CD Rates
July 17th, 2010
Posted in: CD Rates from Banks

Aurora Bank of Wilmington, Delaware currently has some of the highest CD rates. The bank is advertising regular CD rates, IRA CD rates and jumbo CD rates. Certificates of deposit terms range between 6 months and 5 years. The bank’s short term CD rates are better deals than their long term CD rates.

The minimum deposit of all certificates of deposit is $1,000. CD interest rates are tiered based on the certificate of deposit balance. Of course the best CD rates are their jumbo CD rates which require a minimum opening deposit of $100,000.

Current 6 month CD interest rates are advertised at 1.22 percent with an annual percentage yield of 1.23 percent for account balances of $1,000 to $4,999.  That CD rate is a lot higher than the current national average 6 month CD rate as reported by MonitorBankRates.comand Informars.

The bank’s 6 month jumbo CD rates are even better. Current 6 month jumbo CD rates are at 1.25 percent with an APY of 1.26 percent.

Aurora Bank CD Rates

Account Balances of $1,000 to $4,999

  • 6 Month CD Rate 1.22% APY 1.23%
  • 12 Month CD Rates 1.48% APY 1.49%
  • 18 Month CD Interest Rates 1.70% APY 1.71%
  • 24 Month CD Interest Rate 1.92% APY 1.94%
  • 36 Month Bank CD Rates 2.25% APY 2.28%
  • 48 Month Bank CD Rate 2.47% APY 2.50%
  • 60 Month CD Rates at Banks 2.78% APY 2.82%

Account Balances of $5,000 to $9,999

  • 6 Month CD Rates 1.22% APY 1.23%
  • 12 Month CD Rates 1.48% APY 1.49%
  • 18 Month CD Rates 1.70% APY 1.71%
  • 24 Month CD Rates 1.92% APY 1.94%
  • 36 Month CD Rates 2.25% APY 2.28%
  • 48 Month CD Rates 2.47% APY 2.50%
  • 60 Month CD Rates 2.78% APY 2.82%

Account Balances of $10,000 to $24,999

  • 6 Month CD Rates 1.22% APY 1.23%
  • 12 Month CD Rates 1.48% APY 1.49%
  • 18 Month CD Rates 1.70% APY 1.71%
  • 24 Month CD Rates 1.92% APY 1.94%
  • 36 Month CD Rates 2.25% APY 2.28%
  • 48 Month CD Rates 2.47% APY 2.50%
  • 60 Month CD Rates 2.78% APY 2.82%

Account Balances of $25,000 to $99,999

  • 6 Month CD Rates 1.22% APY 1.23%
  • 12 Month CD Rates 1.48% APY 1.49%
  • 18 Month CD Rates 1.70% APY 1.71%
  • 24 Month CD Rates 1.92% APY 1.94%
  • 36 Month CD Rates 2.25% APY 2.28%
  • 48 Month CD Rates 2.47% APY 2.50%
  • 60 Month CD Rates 2.78% APY 2.82%

Account Balances of $100,000 and up

  • 6 Month CD Rates 1.25% APY 1.26%
  • 12 Month CD Rates 1.51% APY 1.52%
  • 18 Month CD Rates 1.73% APY 1.75%
  • 24 Month CD Rates 1.95% APY 1.97%
  • 36 Month CD Rates 2.29% APY 2.32%
  • 48 Month CD Rates 2.51% APY 2.54%
  • 60 Month CD Rates 2.81% APY 2.85%

For a current list of CD rates at Aurora Bank visit aurorabankfsb.com.

 
Author: CD Rates
July 14th, 2010
Posted in: CD Rates from Banks

New Dominion Direct is offering some of the highest CD rates available. New Dominion Direct is advertising fixed CD rates, variable CD rates and fixed IRA bank CD rates. The bank’s fixed CD rates are better than the variable CD rates.

Seraching for CD rates? You can compare bank CD rates and credit union CD rates at CDRates.MonitorBankRates.com to find the best CD rates in your area.

Fixed certificates of deposit are available in terms range between 3 months and 5 years. Variable certificates of deposit are available in terms of 1 year term, 18 months, 2 years and 30 months. The minimum opening certificate of deposit balance is $3,000. IRA certificates of deposit have a minimum opening balance of $500.

New Dominion Direct’s current 3 month CD rate is 0.76 percent with an annual percentage yield of 0.77 percent. That bank CD rate is almost double the current national average 3 month CD rate of 0.41 percent.

New Dominion Direct CD Rates

Fixed Bank CD Rates

  • 3 Month CD Rates 0.76% APY 0.77%
  • 6 Month CD Rate 1.17% APY 1.18%
  • 9 Month CD Rates 1.17% APY 1.18%
  • 12 Month CD Rates 1.49% APY 1.51%
  • 18 Month CD Rates 1.65% APY 1.67%
  • 24 Month CD Rates 1.95% APY 1.97%
  • 30 Month CD Rates 2.03% APY 2.06%
  • 36 Month CD Rates 2.46% APY 2.50%
  • 48 Month CD Rates 2.56% APY 2.60%
  • 60 Month CD Rates 2.71% APY 2.75%

Variable Bank CD Rates

  • 1 Year CD Rates 0.35% APY 0.35%
  • 18 Month CD Rates 0.40% APY 0.40%
  • 2 Year CD Rates 0.45% APY 0.45%
  • 30 Month CD Rates 0.45% APY 0.45%

IRA CD Rates

  • 3 Month CD Rates 0.76% APY 0.77%
  • 6 Month CD Rates 1.17% APY 1.18%
  • 12 Month CD Rates 1.49% APY 1.51%
  • 24 Month CD Rates 1.95% APY 1.97%
  • 36 Month CD Rates 2.46% APY 2.50%
  • 48 Month CD Rates 2.56% APY 2.60%
  • 60 Month CD Rates 2.71% APY 2.75%

CD interest rates change constantly, for a current list of New Dominion Direct’s CD rates go to newdominiondirect.com. To compare CD rates at banks and credit unions visit MonitorBankRates.com.

 
Author: CD Rates
July 12th, 2010
Posted in: CD Rates from Banks

Liberty Bank for Savings 0f Chicago, Illinois, is offering two promotional CD rates. The bank’s promo CD rates are a Special 66 month CD rate and a Special 48 month IRA CD rate. In addition to the special CD rates the bank is also offering regular CD rates, Individual Retirement Account (IRA) CD rates and “Gift” CD rates.

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

The bank’s promo Special 66 month CD rate is currently at 3.05 percent with an annual percentage yield of 3.10 percent. The 66 month certificate of deposit is 6 months longer than the typical long term CD of 60 months but the CD rate is only slightly higher than the best 60 month CD rates available right now. Their CD rate is higher than the current national average 60 month CD rate of 2.30 percent.

The current 48 month IRA CD rate is 2.47 percent with an APY of 2.50 percent. That IRA CD rate is on the higher end of 48 month CD rates available at any bank or credit union. That CD rate also beats the current national average 48 month CD rate of 1.95 percent.

Liberty Bank for Savings Bank CD Rates

CD Rates & APY

  • 91 Day Bank CD Rate 0.40% APY 0.40%
  • 6 Month CD Rates 0.55% APY 0.55%
  • 1 Year CD Rates 0.70% APY 0.70%
  • 1 1/2 Year CD Rates 0.80% APY 0.80%
  • 2 Year CD Rates 1.24% APY 1.25%
  • 2 1/2 Year CD Rates 1.34% APY 1.35%
  • 3 Year CD Rates 1.54% APY 1.55%
  • 3 1/2 Year CD Rates 1.74% APY 1.75%
  • 5 Year CD Rates 1.98% APY 2.00%

IRA CD Rates & APY

  • 1 Year IRA CD Rates  0.80% APY 0.80%
  • 1 1/2 Year IRA CD Rates 0.90% APY 0.90%
  • 3 Year IRA CD Rates 1.65% APY 1.64%
  • 5 Year IRA CD Rates 2.10% APY 2.08%
  • 7 Year IRA CD Rates 2.10% APY 2.08%

Liberty Gift CD Rates & APY

  • 1 Year CD Rates 0.70% APY 0.70%
  • 2 Year CD Rates 1.25% APY 1.24%
  • 3 Year CD Rates 1.55% APY 1.54%
  • 5 Year CD Rates 2.00% APY 1.98%

Liberty Bank for Savings has been in business since 1898 and is a member of the Federal Deposit Insurance Corporation (FDIC). Certificate of deposit accounts are insured for up to $250,000. CD rates at banks change constantly, for a current list of Liberty Bank for Savings CD rates visit libertybank.com. To compare CD rates from several banks and credit unions go to MonitorBankRates.com.

 
Author: Brian McKay
July 4th, 2010
Posted in: CD Rates from Banks

Central Illinois Bank is advertising three promotional CD rates. Promo CD rates are available for certificates of deposit terms of 12 months, 24 months and 60 months.

Looking for the highest bank CD rates and credit union CD rates? Search our CD rate tables at MonitorBankRates.com to find the highest CD rates in your area.

Central Illinois Bank’s 12 month promotional certificate of deposit has a current CD rate of 1.09 percent with an annual percentage yield of 1.10 percent. That bank CD rate beats the current national average 12 month CD rate of 0.85 percent.

The bank’s 24 month promo certificate of deposit currently has a CD rate of 1.78 percent and an APY of 1.80 percent. The current national average 24 month CD rate at banks and credit unions is 1.37 percent. Their 24 month promo CD rate also is better than the 36 month national average CD rate of 1.75 percent.

The current 60 month CD rate at Central Illinois Bank is 2.57 percent with an APY of 2.60 percent. That rate is slightly higher than the national average 60 month CD rate of 2.29 percent.

Find the best CD rates at CDRates.MonitorBankRates.com.

 
Author: CD Rates
July 2nd, 2010
Posted in: CD Rates from Banks

Thomaston Savings Bank of Thomaston, Connecticut, is advertising some of the best CD rates currently available. Thomaston Savings Bank is advertising regular certificate of deposit rates and jumbo certificate of deposit rates. CD deposit terms range between 91 days and 5 years for both regular certificates of deposit and jumbo certificates of deposit.

Looking for the highest CD rates at banks and credit unions? Find the best CD rates by using our CD rates table at CDRates.MonitorBankRates.com.

Thomaston Savings Bank’s highest CD rate is on their 5 year jumbo certificate of deposit. The current 5 year jumbo CD rate is 3.10 percent with an annual percentage yield of 3.15 percent. The regular 5 year CD rate is almost as high as their jumbo rate. The current 5 year CD rate is 3.05 percent with an APY of 3.10 percent. That rate is a lot higher than the current 5 year national average CD rate of 2.30 percent.

Thomaston Savings Bank CD Rates

Regular CD Rates & APY

  • 91 Day CD Rates .60% APY .60%
  • 6 Month CD Rates 0.75% APY 0.75%
  • 9 Month CD Rates 0.85% APY 0.85%
  • 12 Month CD Rates 1.04% APY 1.05%
  • 16 Month CD Rates 1.24% APY 1.25%
  • 18 Month CD Rates 1.39% APY 1.40%
  • 24 Month CD Rates 1.73% APY 1.75%
  • 30 Month CD Rates 1.98% APY 2.00%
  • 4 Year CD Rates 2.57% APY 2.60%
  • 5 Year CD Rates 3.05% APY 3.10%

Jumbo CD Rates & APY

  • 91 Day CD Rates .65% APY .65%
  • 6 Month CD Rates 0.80% APY 0.80%
  • 9 Month CD Rates 0.90% APY 0.90%
  • 12 Month CD Rates 1.09% APY 1.10%
  • 16 Month CD Rates 1.29% APY 1.30%
  • 18 Month CD Rates 1.44% APY 1.45%
  • 24 Month CD Rates 1.75% APY 1.80%
  • 30 Month CD Rates 2.03% APY 2.05%
  • 4 Year CD Rates 2.62% APY 2.65%
  • 5 Year CD Rates 3.10% APY 3.15%

CD interest rates can change constantly. For a current list of Thomaston Savings Bank CD rates go to thomastonsavingsbank.com.

 
Author: Brian McKay
June 29th, 2010
Posted in: CD Rates from Banks

First Federal Bank of Charleston, South Carolina, is advertising several different types CD rates that have some of the best CD rates available. The bank is advertising regular CD rates, Money Builder CD rates, Jumbo CD rates, Escalator CD rates, Goal Setter CD rates, 3 Year Win Win CD rates and Educator CD rates.

Searching for the highest CD rates at banks and credit unions? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.

Regular CD rates are available in two tiers. Balances up to $19,999 earn a tier 1 CD rate and balances of $20,000 or more earn a tier 2 CD rate. Regular certificate of deposit terms range between 3 months and 5 years. Tier 2 CD rates are not available for all terms.

Regular CD Rates & APY

  • 3 Month – Tier 1 CD Rate 0.35% APY 0.35%
  • 3 Month – Tier 2 CD Rate 0.40% APY 0.40%
  • 5 Month CD Rate 0.65% APY 0.65%
  • 6 Month – Tier 1 CD Rate 0.35% APY 0.35%
  • 6 Month – Tier 2 CD Rate 0.50% APY 0.50%
  • 7 Month CD Rate 1.00% APY 1.00%
  • 9 Month – Tier 1 CD Rate 0.35% APY 0.35%
  • 9 Month – Tier 2 CD Rate 0.50% APY 0.50%
  • 14 Month CD Rate 1.50% APY 1.50%
  • 15 Month CD Rate 0.60% APY 0.60%
  • 18 Month – Tier 1 CD Rate 0.60% APY 0.60%
  • 18 Month – Tier 2 CD Rate 0.60% APY 0.60%
  • 1 Year – Tier 1 CD Rate 0.50% APY 0.50%
  • 1 Year – Tier 2 CD Rate 0.70% APY 0.70%
  • 2 Year – Tier 1 CD Rate 1.35% APY 1.35%
  • 2 Year – Tier 2 CD Rate 1.60% APY 1.60%
  • 3 Year – Tier 1 CD Rate 2.30% APY 2.30%
  • 3 Year – Tier 2 CD Rate 2.55% APY 2.55%
  • 5 Year – Tier 1 CD Rate 3.00% APY 3.00%
  • 5 Year – Tier 2 CD Rate 3.00% APY 3.00%

For a complete list of First Federal Bank certificate of deposit rates and more information about the bank visit firstfederal.com.

 
Author: CD Rates
June 21st, 2010
Posted in: CD Rates from Banks

Marathon Bank, headquartered in New York, is advertising some of the best short term CD rates currently available. Marathon Bank is advertising regular CD rates, jumbo CD rates and Individual Retirement Account (IRA) CD rates. The minimum opening deposit for regular certificate of deposit account and IRA certificate of deposit accounts is $1,000. Jumbo certificate of deposit accounts  have a minimum opening balance of $100,000.

Looking for the best CD rates at banks and credit unions? Use our rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.

Marathon bank’s current 3 month CD rate is 1.04 percent with an annual percentage yield of 1.05 percent. That CD rate is higher than the current national average 12 month CD rate of 0.86 percent.  The bank’s 1 month jumbo CD rate is also one of the best CD rates available right now. The current 1 month jumbo CD rate is 0.74 percent with an APY of 0.75 percent.

Marathon Bank is also advertising a 7 month liquid CD rate. The current liquid CD rate is 0.99 percent with an APY of 1.o0 percent for both regular CDs and IRA CDs. The minimum opening deposit for a liquid CD is $5,000.

Marathon Bank CD Rates

Regular CD Rates

  • 3-Month CD Rates 1.04% APY 1.05%
  • 4-Month CD Rates 1.04% APY 1.05%
  • 5-Month CD Rates 1.09% APY 1.10%
  • 6-Month CD Rates 1.14% APY 1.15%
  • 11-Month CD Rates 1.34% APY 1.35%
  • 12-Month CD Rates 1.39% APY 1.40%
  • 13-Month CD Rates 1.39% APY 1.40%
  • 18-Month CD Rates 1.68% APY 1.70%
  • 24-Month CD Rates 1.83% APY 1.85%
  • 30-Month CD Rates 2.03% APY 2.05%
  • 36-Month CD Rates 2.22% APY 2.25%
  • 60-Month CD Rates 2.71% APY 2.75%

IRA CD Rates

  • 3-Month CD Rates 1.04% APY 1.05%
  • 4-Month CD Rates 1.04% APY 1.05%
  • 5-Month CD Rates 1.09% APY 1.10%
  • 6-Month CD Rates 1.14% APY 1.15%
  • 11-Month CD Rates 1.34% APY 1.35%
  • 12-Month CD Rates 1.39% APY 1.40%
  • 13-Month CD Rates 1.39% APY 1.40%
  • 18-Month CD Rates 1.68% APY 1.70%
  • 24-Month CD Rates 1.83% APY 1.85%
  • 30-Month CD Rates 2.03% APY 2.05%
  • 36-Month CD Rates 2.22% APY 2.25%
  • 60-Month CD Rates 2.71% APY 2.75%

Marathon Bank Jumbo CD Rates

Jumbo CD Rates

  • 1-Month Jumbo CD Rates 0.74% APY 0.75%
  • 2-Month Jumbo CD Rates 0.99% APY 1.00%
  • 3-Month Jumbo CD Rates 1.04% APY 1.05%
  • 4-Month Jumbo CD Rates 1.09% APY 1.10%
  • 5-Month Jumbo CD Rates 1.09% APY 1.10%
  • 6-Month Jumbo CD Rates 1.14% APY 1.15%
  • 11-Month Jumbo CD Rates 1.34% APY 1.35%
  • 12-Month Jumbo CD Rates 1.39% APY 1.40%
  • 13-Month Jumbo CD Rates 1.39% APY 1.40%
  • 18-Month Jumbo CD Rates 1.68% APY 1.70%
  • 24-Month Jumbo CD Rates 1.83% APY 1.85%
  • 30-Month Jumbo CD Rates 2.03% APY 2.05%
  • 36-Month Jumbo CD Rates 2.23% APY 2.25%
  • 60-Month Jumbo CD Rates 2.71% APY 2.75%

Bank CD rates change all the time. For a current list of Marathon Bank’s CD interest rates visit mnbny.com.

 
Author: CD Rates
June 15th, 2010
Posted in: CD Rates from Banks

Amegy Bank of Texas is advertising regular CD rates, IRA CD rates, jumbo CD rates, jumbo IRA CD rates, Internet CD rates and jumbo Internet CD rates. Internet certificates of deposit are only available in terms of 3 months, 6 months and 12 months. All other certificates of deposit are available in terms between 30 days and 5 years.

Amegy Bank’s current Internet CD rates are higher than their regular CD rates, jumbo CD rates and IRA CD rates. The bank’s current 12 month Internet CD rate is 1.19 percent with an annual percentage yield of 1.20 percent. Their current jumbo Internet CD rate has the same rate and yield.

Searching for CD rates at banks and credit unions? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates available.

Amegy Bank CD Rates

Personal CD Rates

  • 30 Day CD Rates 0.25% APY 0.25%
  • 60 Day CD Rates 0.30% APY 0.30%
  • 90 Day CD Rates 0.35% APY 0.35%
  • 180 Day CD Rates 0.60% APY 0.60%
  • 330 Day CD Rates 0.90% APY 0.90%
  • 1 Year CD Rates 1.00% APY 1.00%
  • 18 Month CD Rates 1.09% APY 1.10%
  • 2 Year CD Rates 1.29% APY 1.30%
  • 30 Month CD Rates 1.49% APY 1.50%
  • 3 Year CD Rates 1.74% APY 1.75%
  • 5 Year CD Rates 2.23% APY 2.25%

IRA CD Rates

  • 30 Day IRA CD Rates 0.25% APY 0.25%
  • 60 Day IRA CD Rates 0.30% APY 0.30%
  • 90 Day IRA CD Rates 0.35% APY 0.35%
  • 180 Day IRA CD Rates 0.60% APY 0.60%
  • 330 Day IRA CD Rates 0.90% APY 0.90%
  • 1 Year IRA CD Rates 1.00% APY 1.00%
  • 18 Month IRA CD Rates 1.09% APY 1.10%
  • 2 Year IRA CD Rates 1.29% APY 1.30%
  • 30 Month IRA CD Rates 1.49% APY 1.50%
  • 3 Year IRA CD Rates 1.74% APY 1.75%
  • 5 Year IRA CD Rates 2.23% APY 2.25%

Personal Jumbo CD Rates

  • 30 Day Jumbo CD Rates 0.25% APY 0.25%
  • 60 Day Jumbo CD Rates 0.30% APY 0.30%
  • 90 Day Jumbo CD Rates 0.35% APY 0.35%
  • 180 Day Jumbo CD Rates 0.60% APY 0.60%
  • 330 Day Jumbo CD Rates 0.90% APY 0.90%
  • 1 Year Jumbo CD Rates 1.00% APY 1.00%
  • 18 Month Jumbo CD Rates 1.09% APY 1.10%
  • 2 Year Jumbo CD Rates 1.29% APY 1.30%
  • 30 Month Jumbo CD Rates 1.49% APY 1.50%
  • 3 Year Jumbo CD Rates 1.74% APY 1.75%
  • 5 Year Jumbo CD Rates 2.23% APY 2.25%

IRA Jumbo CD Rates

  • 30 Day IRA Jumbo CD Rates 0.25% APY 0.25%
  • 60 Day IRA Jumbo CD Rates 0.30% APY 0.30%
  • 90 Day IRA Jumbo CD Rates 0.35% APY 0.35%
  • 180 Day IRA Jumbo CD Rates 0.60% APY 0.60%
  • 330 Day IRA Jumbo CD Rates 0.90% APY 0.90%
  • 1 Year IRA Jumbo CD Rates 1.00% APY 1.00%
  • 18 Month IRA Jumbo CD Rates 1.09% APY 1.10%
  • 2 Year IRA Jumbo CD Rates 1.29% APY 1.30%
  • 30 Month IRA Jumbo CD Rates 1.49% APY 1.50%
  • 3 Year IRA Jumbo CD Rates 1.74% APY 1.75%
  • 5 Year IRA Jumbo CD Rates 2.23% APY 2.25%

Internet CD Rates

  • 90 Day Internet CD Rates 0.55% APY 0.55%
  • 180 Day Internet CD Rates 0.80% APY 0.80%
  • 12 month Internet CD Rates 1.19% APY 1.20%

Internet Jumbo CD Rates

  • 90 Day Internet CD Rates 0.55% APY 0.55%
  • 180 Day Internet CD Rates 0.80% APY 0.80%
  • 12 month Internet CD Rates 1.19% APY 1.20%

For a list of current CD interest rates at Amegy Bank go to amegybank.com.

 

 
Author: CD Rates
June 8th, 2010
Posted in: CD Rates from Banks

Fidelity Homestead Savings Bank headquartered in New Orleans, Louisiana, is offering some of the highest bank CD rates currently available from any bank or credit union. The bank is advertising regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit.

The bank is also advertising Plus CD rates and an 18 month variable rate IRA certificate of deposit. The bank’s Plus certificates of deposit allow you to change the CD rate once during the term if the CD rate increases.

The current 18 month variable IRA CD rate is 1.83 percent with an annual percentage yield (APY) of 1.85 percent. The minimum opening deposit for this IRA certificate of deposit is $100.

Fidelity Homestead Savings Bank Plus CD Rates and CD APY

  • 1 Year Plus Bank CD Rate 1.64% CD Yield 1.65%
  • 1 Year Plus IRA Bank CD Rate 1.73% CD Yield 1.55%
  • 3 Year Plus CD Interest Rate 2.37% CD Yield 2.40%
  • 3 Year Plus IRA CD Interest Rate 2.62% CD Yield 2.65%
  • 5 Year Plus CD Rate 2.96% CD Yield 3.00%
  • 5 Year Plus IRA Highest CD Rate 3.20% CD Yield 3.25%

Fidelity Homestead Savings Bank CD Rates and CD APY

  • 3 Months Best CD Rate 1.14% APY 1.15%
  • 6 Months CD Rate 1.24% APY 1.25%
  • 1 Year CD Rate 1.73% APY 1.75%
  • 1 1/2 Year Bank CD Rate 1.73% APY 1.75%
  • 2 Year CD Rate 1.88% APY 1.90%
  • 2 1/2 Year Best CD Interest Rate 1.98% APY 2.00%
  • 3 Year Banks CD Rates 2.47% APY 2.50%
  • 5 Year Banks CD Rate 2.96% APY 3.00%

Fidelity Homestead Savings Bank IRA CD Rates and CD APY

  • 1 Year IRA CD Interest Rate 1.83% APY 1.85%
  • 1 ½ Year Best IRA CD Rates 1.83% APY 1.85%
  • 2 Year High IRA CD Rate 1.98% APY 2.00%
  • 2 ½ Year CD Rate 2.08% APY 2.10%
  • 3 Year Bank IRA CD Rate 2.71% APY 2.75%
  • 5 Year IRA Interest CD Rates 3.20% APY 3.25%

CD interest rates change constantly. For a current list of Fidelity Homestead Savings Bank CD rates visit fidelityhomestead.com

 
Author: CD Rates
June 3rd, 2010
Posted in: CD Rates from Banks

Community Bank of Bergen County is advertising regular certificate of deposit rates and Individual Retirement Account (IRA) certificate of deposit rates. Regular certificates of deposit are available in terms ranging from 91 days to 5 years. IRA certificates of deposit are available in terms between 18 months and 5 years.

Searching for the best CD interest rates at credit unions and banks? Use our CD rate tables at CDRates.MonitorBankRates.com to find the highest CD rates.

Community Bank of Bergen County is also advertising bank CD rates for balances of $25,000 or more though the rates are the same for any CD account balance.

The minimum account balance to earn the advertised CD rate and CD yield for regular CD accounts is $1,000. IRA CD accounts have a minimum of $500.

The current 5 year bank CD rate is 3.25 percent with an annual percentage yield of 3.30 percent. That rate is one of the highest CD rates around. In fact, you may not find CD rates at banks or credit unions higher than Community Bank of Bergen County’s rate.

Community Bank of Bergen County CD Rates

Regular CD Rates and CD Yields

  • 91 Days CD Rate 0.60% APY 0.60%
  • 182 days CD Rate 0.70% APY 0.70%
  • 9 Months CD Rate 1.00% APY 1.00%
  • 9 Months ($25,000+) CD Rate 1.00% APY 1.00%
  • 1 Year CD Rate 1.20% APY 1.21%
  • 1 Year($25,000+) CD Rate 1.20% APY 1.21%
  • 18 Months CD Rate 1.65% APY 1.66%
  • 18 Months ($25,000+) CD Rate 1.65% APY 1.66%
  • 2 Years CD Rate 1.80% APY 1.81%
  • 2 Years ($25,000+) CD Rate 1.80% APY 1.81%
  • 30 Months CD Rate 1.80% APY 1.81%
  • 30 Months ($25,000+) CD Rate 1.80% APY 1.81%
  • 3 Years CD Rate 2.75% APY 2.78%
  • 3 Years ($25,000+) CD Rate 2.75% APY 2.78%
  • 5 Years CD Rate 3.25% APY 3.29%
  • 5 Years ($25,000+) CD Rate 3.25% APY 3.30%

CD Interest rates change frequently. For the most current list of Community Bank of Bergen County’s CD rates go to cbbc125.com.

 
Author: Brian McKay
May 30th, 2010
Posted in: CD Rates from Banks

The current national average 5 year CD rate is 2.27 percent this week.  Granted, even five year rates are not that great these days considering back in 2008 you could find 12 month CD rates more than double the current five year rate. The interest rate increases that looked likely to happen earlier this year now might happen in the fourth quarter or early next year. The reason being is the financial trouble in Europe might derail the world economic recovery.

Looking for the highest CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the highest bank CD rates and credit union CD rates in your area.

Although the national average rates are dismal, we have 5 year CD rates listed on our CD rate tables that are higher than the national average rate. We have compiled a list of the top 5 year CD rates from banks and credit unions in Long Beach, CA.

EverBank has the highest 5 year CD rate on our list of best CD rates in Long Beach. The bank’s current 5 year CD rate is 3.09 percent with an annual percentage yield of 3.14 percent. The minimum opening certificate of deposit account balance is $1,500.

Tennessee Commerce Bank and Nationwide Bank are tied for second on the list of best CD rates. Both banks are currently offering 5 year bank CD rates at 3.01 percent with an APY of 3.05 percent. The minimum opening certificate of deposit account balance is $2,500. Nationwide Bank’s minimum opening deposit is $10,000.

Fourth on list of best CD rates is Pentagon Federal Credit Union (PenFed). Their current 5 year CD rate is 2.96 percen with an APY of 3.00 percent. The minimum opening deposit to receive this APY for a 5 year CD account is $1,000.

Best CD Rates in Long Beach, California

  • EverBank 3.14% APY Min $1500
  • Tennessee Commerce Bank 3.05% APY Min $2500
  • Nationwide Bank 3.05% APY Min $10,000
  • PenFed 3.00% APY Min $1000
  • First Federal Bank of California 3.00% APY Min $10,000
  • AIG Bank 3.00% APY Min $2500
  • Sallie Mae 3.00% APY Min $ 1
  • La Jolla Bank 3.00% APY Min $10,000
  • Ally Bank 2.99% APY Min $ 1
  • Capital One Direct Banking 2.96% APY Min $5000
  • Discover Bank 2.95% APY Min $2500
  • First Internet Bank of IN 2.95% APY Min $1000
  • American Express Bank FSB 2.95% APY Min $ 0
  • Ameriprise Bank FSB 2.90% APY Min $10,000
  • Bank of Internet USA 2.86% APY Min $1000
  • CapitalSource Bank 2.65% APY Min $10,000
  • Provident Credit Union 2.50% APY Min $1000
  • First Federal S&L 2.50% APY Min $1000
  • Bank of America 2.50% APY Min $10,000
  • Citibank 2.50% APY Min $10,000
  • First Republic Bank 2.50% APY Min $5000
  • Fremont Bank 2.50% APY Min $10,000
  • EmigrantDirect.com 2.50% APY Min $1000
  • E-LOAN.com 2.50% APY Min $10,000
  • Allstate Bank 2.30% APY Min $1000
  • Northern Trust 2.30% APY Min $10,000
  • Union Bank 2.26% APY Min $10,000
  • Bank of the West 2.25% APY Min $10,000
  • Mechanics Bank 2.25% APY Min $10,000
  • U.S. Bank 2.25% APY Min $10,000
  • Giantbank.com 2.21% APY Min $2500
  • Lockheed Federal Credit Union 2.14% APY Min $1000
  • Bank of Marin 2.14% APY Min $10,000
  • California Bank & Trust 2.10% APY Min $10,000
  • Westamerica Bank 2.07% APY Min $10,000
  • First Bank & Trust 2.00% APY Min $1000
 
Author: Brian McKay
May 26th, 2010
Posted in: CD Rates from Banks

Average 12 month CD rates are now just under .90 percent at 0.896 percent. You can find 12 month CD rates higher than the national average rates. Using our CD rate tables we searched for the highest 12 month CD rates in Fall River, Massachusetts.

Looking for the best CD rates? Search our CD rate tables at CDRates.MonitorBankRates.com to find the highest CD rates in your area.

Sallie Mae Bank is number one with the best CD rate in Fall River. The bank’s current 12 month CD rate is 1.54 percent with an annual percentage yield of 1.55 percent. Last week Sallie Mae Bank was tied with Tennessee Commerce Bank with the highest CD rate but TCB recently lowered their 12 month bank CD rate to 1.49 percent with an APY of 1.50 percent.

Second on the list of the best bank CD rates is Bank of Internet. The bank is currently offering their 12 month CD rate at 1.53 percent with an APY of 1.54 percent.

TCB, Discover Bank, Ally Bank and American Express Bank are all tied for third on the list of 12 month CD rates at banks and credit unions. The banks are currently offering 12 month CD rates 1.49 percent with an APY of 1.50 percent.

Best CD Rates – Fall River, MA

  1. Sallie Mae 1.55% APY Min $ 1
  2. Bank of Internet USA 1.54% APY Min $1000
  3. Discover Bank 1.50% APY Min $2500
  4. Ally Bank 1.50% APY Min $ 1
  5. American Express Bank FSB 1.50% APY Min $ 0
  6. Tennessee Commerce Bank CD Rates 1.50% APY Min $2500
  7. AIG Bank 1.49% APY Min $2500
  8. Giantbank.com 1.46% APY Min $2500
  9. Nationwide Bank 1.40% APY Min $10,000
  10. Pentagon Federal Credit Union CD Rates 1.31% APY Min $1000
  11. EverBank 1.20% APY Min $1500
  12. BankDirect 1.11% APY Min $10,000
  13. Allstate Bank 1.10% APY Min $1000
  14. ING DIRECT CD Rates 1.00% APY Min $ 1
  15. First Internet Bank of IN 1.00% APY Min $1000
  16. Domestic Bank CD Rates 1.00% APY Min $500
 
Author: CD Rates
May 19th, 2010
Posted in: CD Rates from Banks

Bank of Smithtown with locations throughout Long Island, New York, is advertising regular certificates of deposits, Individual Retirement Account (IRA) certificates of deposit and Student certificates of deposit. CD terms range between 3 months and 60 months. Bank of Smithtown CD rates are not necessarily the highest CD rates available but their rates are competitive with the national average CD rates.

Searching for bank CD rates and credit union CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.

The minimum opening deposit is $2,500 for regular CDs. IRA CDs and Student CDs have a minimum opening balance of $1,000. Bank of Smithtown CD rates are competitive with the national average CD rates.

Bank of Smithtown is also offering an 18 month variable CD rate IRA/Keogh certificate of deposit. The current 18 month variable CD rate is 1.00 percent with an annual percentage yield of 1.00 percent.

Bank of Smithtown CD Rates

  • 3 Month CD Rate 0.50% APY 0.50%
  • 6 Month CD Rate 0.60% APY 0.60%
  • 7 Month CD Rate 0.60% APY 0.60%
  • 9 Month CD Rate 0.60% APY 0.60%
  • 12 Month CD Rate 0.80% APY 0.80%
  • 13 Month CD Rate 0.80% APY 0.80%
  • 15 Month CD Rate 0.85% APY 0.85%
  • 18 Month CD Rate 1.00% APY 1.00%
  • 2 year CD Rate 1.50% APY 1.50%
  • 30 Month CD Rate 1.69% APY 1.70%
  • 3 Year CD Rate 1.79% APY 1.80%
  • 5 year CD Rate 2.23% APY 2.25%

Certificates of deposit are insured by the FDIC for up to $250,000. For a current list of Bank of Smithtown CD rates visit bankofsmithtownonline.com.

 
Author: Brian McKay
May 17th, 2010
Posted in: CD Rates from Banks

Sovereign Bank is advertising their special promotional Save and Invest Certificate of Deposit Package.  The Save and Invest CD Package includes a 6 month certificate of deposit and a 36 month certificate of deposit.  The special promotional CD rate and package is only available until June 4, 2010. You’ll have to visit a Sovereign Bank branch to open a Save and Invest CD Package.

Looking for the best CD rates at banks and credit unions? Use our CD rate tables at CDRates.MonitorBankRates.com to find highest CD rates in your area.

Their current 6 month certificate of deposit rate is one of the highest CD rates available today. The current 6 month CD rate is 1.98 percent with an annual percentage yield (APY) of 2.00 percent. That rate is higher than the current national average 6 month CD interest rate of 0.697 percent.

The 36 month certificate of deposit give you an opportunity to earn a higher rate of return than a traditional certificate of deposit. The 36 month certificate of deposit performance is based on the performance of the S&P 500 Index.

Your CD principal is 100% guaranteed but you can earn a lot more than a traditional certificate of deposit if the S&P 500 increases over the 36 month period.

Current Sovereign Bank CD interest rates and more information about their Save and Invest CD Package can be found at sovereignbank.com

 
Author: Brian McKay
May 16th, 2010
Posted in: CD Rates from Banks

Costco and Capital One Direct, the banking arm of the credit card company Capital One, are offering regular certificates of deposit and jumbo certificates of deposit. Available CD terms are between 18 months to 10 years. Regular certificate of deposit accounts have a minimum opening deposit of $5,000. Jumbo certificate of deposit accounts have a minimum opening balance of $100,000.

Searching for the highest CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best bank CD rates and credit union CD rates.

Though their CD rates are competitive with the national average, the best CD rates are higher. If you’re interested in locking in a long term CD, the 10 year CD rate is 3.25 percent with an annual percentage yield (APY) of 3.30 percent.

There is also a Costco Member Incentive for opening a certificate of deposit account. By opening a Capital One Direct Banking account of any kind through Costco and depositing at least $5000 within 30 days of opening the account, you’ll receive $60 if you’re a Costco Executive Member or $20 if you’re a Gold Star or Business Member.

Capital One Bank – Costco Bank CD Rates

Bank CD Rates and APY

  • 18 months CD Rate 1.00% APY 1.01%
  • 2 years CD Rate 1.29% APY 1.30%
  • 30 months CD Rate 0.80% APY 0.80%
  • 3 years CD Rate 1.93% APY 1.95%
  • 4 years CD Rate 2.52% APY 2.55%
  • 5 years CD Rate 3.00% APY 3.05%
  • 7 years CD Rate 3.25% APY 3.30%
  • 10 years CD Rate 3.25% APY 3.30%

Jumbo Bank CD Rates and APY

  • 18 months CD Rate 1.00% APY 1.01%
  • 2 years CD Rate 1.29% APY 1.30%
  • 30 months CD Rate 0.80% APY 0.80%
  • 3 years CD Rate 1.93% APY 1.95%
  • 4 years CD Rate 2.52% APY 2.55%
  • 5 years CD Rate 3.00% APY 3.05%
  • 7 years CD Rate 3.25% APY 3.30%
  • 10 years CD Rate 3.25% APY 3.30%

For more information about opening a Costc0 – Capital One Bank certificate of deposit and the most recent list of CD rates, visit Capital One Direct Certificates of Deposit.

 
Author: Brian McKay
May 12th, 2010
Posted in: CD Rates from Banks

Arvest Bank is advertising certificates of deposit with tiered CD rates. Their certificates of deposit are available in terms of 6 months, 1 year and 2 years. The minimum opening deposit is $1,000. Interest is compounded and credited to the certificate of deposit account quarterly.

The bank’s highest CD rate is on their 2 year certificate of deposit with a balance of $95,000 or more. Their current CD rate is 1.80 percent with an annual percentage yield of 1.81 percent. That CD rate isn’t the best CD rate available but it is competitive with other 2 year rates from banks and credit unions.

Arvest Bank 6 Month Bank CD Rates

  • Balance $1,000-$9,999 Rate 0.80% APY 0.80%
  • Balance $10,000-$49,999 Rate 0.95% APY 0.95%
  • Balance $50,000-$94,999 Rate 1.05% APY 1.05%
  • Balance $95,000 & up Rate 1.15% APY 1.15%

Arvest Bank 12 Month Bank CD Rates

  • Balance $1,000-$9,999 Rate 1.10% APY 1.10%
  • Balance $10,000-$49,999 Rate 1.25% APY 1.26%
  • Balance $50,000-$94,999 Rate 1.35% APY 1.36%
  • Balance $95,000 & up Rate 1.45% APY 1.46%

Arvest Bank 24 Month Bank CD Rates

  • Balance $1,000-$9,999 Rate 1.45% APY 1.46%
  • Balance $10,000-$49,999 Rate 1.60% APY 1.61%
  • Balance $50,000-$94,999 Rate 1.70% APY 1.71%
  • Balance $95,000 & up Rate 1.80% APY 1.81%

CD rates change constantly.  For the most current list of  their CD rates, go to arvest.com.

 
Author: Brian McKay
May 6th, 2010
Posted in: CD Rates from Banks

Middlesex Savings Bank headquartered in Natick, MA, is advertising regular certificates of deposit with terms ranging between 3 months and 71 months. The minimum opening deposit is $250. The bank is also advertising fixed rate Individual Retirement Account (IRA) certificates of deposit and variable rate IRA certificates of deposit.

Looking for the highest CD rates? Use our CD Rate Tables to find the highest CD rates in your area. CDRates.MonitorBankRates.com.

Middlesex Savings Bank’s shorter term CD rates are competitive with other bank CD rates and credit union CD rates. The bank’s rates also beat the national average CD rates. Current 3 month to 5 month CD rates are 0.65 percent with an annual percentage yield (APY) of 0.65 percent. The current national CD rate is 0.43 percent.

The bank’s longer term CD rates are not the best CD rates around and are also just below the national CD rates. The bank is currently offering a 60 month CD rate of 2.23 percent with an APY of 2.25 percent. The national 60 month CD rate is currently averaging 2.30 percent.

Bank CD Interest Rates and APY

  • 3-5 Month CD Rate 0.65% APY 0.65%
  • 6-11 Month CD Rate 0.90% APY 0.90%
  • 12-23 Month CD Rate 1.24% APY 1.25%
  • 24-35 Month CD Rate 1.74% APY 1.75%
  • 36-47 Month CD Rate 2.08% APY 2.10%
  • 48-59 Month CD Rate 2.13% APY 2.15%
  • 60-71 Month CD Rate 2.23% APY 2.25%

Bank IRA CD Interest Rates and APY

  • 3-5 Month CD Rate 0.65% APY 0.65%
  • 6-11 Month CD Rate 0.90% APY 0.90%
  • 12-23 Month CD Rate 1.24% APY 1.25%
  • 24-35 Month CD Rate 1.74% APY 1.75%
  • 36-47 Month CD Rate 2.08% APY 2.10%
  • 48-59 Month CD Rate 2.13% APY 2.15%
  • 60-71 Month CD Rate 2.23% APY 2.25%
  • 12-18 Month Adjustable CD Rate 1.24% APY 1.25%

Cerificate of deposit rates change constantly, for a current list of CD rates visit middlesexbank.com.

 
Author: Brian McKay
May 2nd, 2010
Posted in: CD Rates from Banks

Citizens Union Savings Bank of Fall River, MA, is advertising regular certificates of deposit, two “Certificate of Deposit Specials” and an 18 month variable rate IRA certificate of deposit. The bank’s Preferred NOW Checking Account customers are entitled to an additional 10 basis points (0.10%) on all certificates of deposit. The Special CDs have some of the best CD rates available.

Use our CD Rate Tables to find the highest CD rates in your area. CDRates.MonitorBankRates.com

The two Special CDs are an 8 month certificate of deposit and 15 month certificate of deposit. The current 8 month Special CD rate is 1.00 percent with an annual percentage yield (APY) of 1.00 percent. The 15 month Special CD interest rate is currently at 1.44 percent with an APY of 1.45 percent. The Special CDs have a minimum opening deposit of $500.

The bank’s 18 month (IRA) variable rate CD currently has a CD rate of 0.95 percent with an APY of 0.95 percent. The minimum opening deposit is $100.

CD Interest Rates and APY

  • 30 – 90 Days 0.35% Rate 0.35% APY
  • 91 – 181 Days 0.70% Rate 0.70% APY
  • 182 – 272 Days 0.85% Rate 0.85% APY
  • 273 – 364 Days 0.95% Rate 0.95% APY
  • 1 Year 1.20% Rate 1.21% APY
  • 2 Years 1.65% Rate 1.66% APY
  • 3 Years 2.00% Rate 2.02% APY
  • 4 – 5 Years 2.15% Rate 2.17% APY

Since CD rates at banks change constantly visit Citizens Union Savings Bank’s website for a list of current CD rates: citizensunionbank.com.

 
Author: Brian McKay
May 2nd, 2010
Posted in: CD Rates from Banks

Park Bank of Madison, Wisconsin is advertising two special CD rates that are some of the best CD rates available. The first CD rate special is a 4 month certificate of deposit. The current CD rate is 1.40 percent with an annual percentage yield of 1.50 percent. That CD rate beats most 12 month CD rates offered by banks and credit unions these days.

The second CD rate special is a 10 month certificate of deposit. The 10 month CD rate is currently at 1.64 percent with an APY of 1.65 percent. That rate also beats most 12 month CD rates available right now and is better than the national average 24 month CD rate of 1.43 percent.

Park Bank has been in business since 1966. Certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000. Since CD rates change constantly visit parkbank.com for their current list of CD rates.

 
Author: Brian McKay
May 1st, 2010
Posted in: CD Rates from Banks

6 month CD rates are currently averaging 0.715 percent. We searched our CD rate tables for the best bank CD rates in Honolulu, Hawaii. The best CD rate on the list is from Discover Bank. The bank’s current 6 month CD interest rate is 1.24 percent with an annual percentage yield of 1.25 percent. Discover Bank’s 6 month CD rate is higher than the average 12 month national CD rate of 0.98 percent.

Find the Best Bank CD rates by using our CD rate tables: CDRates.MonitorBankRates.com.

Ally Bank is second on the list of best bank CD rates. Ally Bank’s current 6 month CD rate is 1.14 percent with an APY of 1.15 percent. Ally Bank also offers innovate certificates of deposit like their “Raise Your Rate CD” and their “No Penalty CD.”

GiantBank.com is third on the list of best 6 month bank CD rates. The bank’s current 6 month rate is 1.10 percent with an APY of 1.11 percent. Giantbank is the online banking division of Landmark Bank.

Best Bank CD Rates

  • Discover Bank 1.25% APY Min $2500
  • Ally Bank 1.15% APY Min $ 1
  • Giantbank.com 1.11% APY Min $2500
  • PenFed 1.06% APY Min $1000
  • EverBank 1.05% APY Min $1500
  • Nationwide Bank 1.05% APY Min $10,000
  • AIG Bank 1.01% APY Min $2500
  • American Express Bank 1.00% APY Min $ 0
  • BankDirect 0.90% APY Min $10,000
  • Bank of Internet 0.75% APY Min $1000
  • ING DIRECT 0.75% APY Min $ 1
  • First Internet Bank of IN 0.75% APY Min $1000
  • Bank of Internet USA 0.75% APY Min $1000
  • Tennessee Commerce Bank 0.75% APY Min $2500

If you find 6 month CD rates higher than the rates we have listed, let us know and we will have them added to the CD rates database.

 
Author: Brian McKay
April 30th, 2010
Posted in: CD Rates from Banks

Kearny Federal Savings Bank, headquartered in Fairfield, New Jersey, is advertising several types of certificates of deposit. Their certificates of deposit include regular CDs, IRA CDs and Step-Up CDs. One of the bank’s best CD rates is on their 30 day CD, the current CD rate is 0.98 percent with an annual percentage yield (APY) of 1.00 percent. That rate is higher than the current 12 month national CD rate of 0.98 percent. The minimum opening deposit for their 30 day CD is $25,000.

The bank’s 12 month certificate of deposit currently has a CD interest rate of 1.23 percent with an APY of 1.25 percent. The bank’s fixed 12 month IRA certificate of deposit has an even higher CD rate – the current CD rate is 1.47 percent with an APY of 1.50 percent.

Looking for CD rates at banks and credit unions? Use our CD Rate Tables to find the highest CD Rates. CDRates.MonitorBankRates.com.

Kearny Federal Savings CD Rates and APY

Regular Bank CD Rates and APY

  • 30 Day CD 0.98% Rate 1.00% APY $25,000 Minimum
  • 91 Day CD 1.03% Rate 1.05% APY $1,000 Minimum
  • 4 Month CD 1.03% Rate 1.05% APY $1,000 Minimum
  • 6 Month CD 1.08% Rate 1.10% APY $1,000 Minimum
  • 1 Year CD 1.23% Rate 1.25% APY $500 Minimum
  • 17 Month Step-Up CD Rate 1.71% 1.7%% APY $1,000 Minimum
  • 2 Year CD 1.95% Rate 2.00% APY $500 Minimum
  • 29 Month Step-Up CD Rate 2.19% APY 2.25% $1,000 Minimum
  • 3 Year CD 2.44% Rate 2.50% APY $500 Minimum
  • 5 Year CD 2.68% Rate 2.75% APY $500 Minimum

Individual Retirement Account certificates of deposit are available in fixed rates and adjustable rates.

IRA Bank CD Rates and APY

  • 1 Year Variable Rate CD 1.27% Rate 1.30% APY $100 Minimum
  • 1 Year Fixed Rate CD 1.47% Rate 1.50% APY $500 Minimum
  • 17 Month Step-Up CD 1.71% Rate 1.75% APY $1,000 Minimum
  • 2 Year Fixed Rate CD 1.95% Rate 2.00% APY $500 Minimum
  • 29 Month Step-Up CD 2.19% Rate 2.25% APY $1,000 Minimum
  • 3 Year Fixed Rate CD 2.44% Rate 2.50% APY $500 Minimum
  • 5 Year Fixed Rate CD 2.68% Rate 2.75% APY $500 Minimum

For a list of more current rates visit kearnyfederalsavings.com.

 
Author: Brian McKay
April 29th, 2010
Posted in: CD Rates from Banks

Milford Bank of Milford, Connecticut is advertising certificates of deposit with terms of 91 days to 5 years. The minimum opening certificate of deposit balance $1,000. Interest on certificate of deposit accounts is compounded and credited monthly.

The bank is also offering a special promotional 21 month certificate of deposit that currently has a CD rate of 1.49 percent with an annual percentage yield of 1.50 percent.

Milford Bank CD Rates and APY

  • 91 Day CD 0.50% Rate 0.50% APY
  • 6 Month CD 0.50% Rate 0.50% APY
  • 1 Year CD 1.00% Rate 1.00% APY
  • 18 Month CD 1.34% Rate 1.35% APY
  • 2 Years CD 1.49% Rate 1.50% APY
  • 3 Years CD 1.98% Rate 2.00% APY
  • 4 Years CD 2.23% Rate 2.25% APY
  • 5 Years CD 2.72% Rate 2.75% APY

Certificate of deposit rates change constantly, so be sure to check directly with Milford Bank for current rates at milfordbank.com or call 203-783-5777.

 
Author: Brian McKay
April 28th, 2010
Posted in: CD Rates from Banks

First County Bank of Stamford, Connecticut is advertising certificates of deposit with terms between 2 months and 60 months. In addition to regular certificates of deposit, First County Bank is also advertising IRA certificates of deposit with terms of 12 months, 30 months and 60 months. The minimum deposit to open a regular certificate of deposit and obtain the APY is $1,000. IRA CD accounts have a minimum of $500.

The bank is also offering an 18 month “Bump Rate” certificate of deposit that currently has a CD rate of 1.39 percent with an annual percentage yield (APY) of 1.40 percent.

The bank’s highest CD rate is on their 60 month certificate of deposit. The current 60 month CD rate is 2.72 percent with an annual percentage yield of 2.75 percent.

Bank CD Rates

  • 60 Day CD Rate .50% APY .50%
  • 91 Day CD Rate .50% APY .50%
  • 6 Month CD Rate .74% APY.75%
  • 12 Month CD Rate 1.14% APY 1.15%
  • 24 Month CD Rate 1.75% APY 1.75%
  • 36 Month CD Rate 2.23% 2.25%
  • 48 Month CD Rate 2.47% 2.50%
  • 60 Month CD Rate 2.72% 2.75%

IRA Bank CD Rates

  • 1 Year CD Rate 1.14% APY 1.15%
  • 30 Month CD Rate 1.98% APY 2.00%
  • 5 Year CD Rate 2.72% APY 2.75%

For their list of current bank CD rates and IRA bank CD rates go to firstcountybank.com or call 1-203-462-4400.

     
    Author: Brian McKay
    April 28th, 2010
    Posted in: CD Rates from Banks

    E-Loan, a wholly-owned subsidiary of Banco Popular North America, is offering bank certificates of deposit with terms ranging from 1 month to 72 months. The minimum opening certificate of deposit balance is $10,000. There are penalties for early withdrawals.

    E-Loan’s CD interest rates are tiered but currently have the same rates and yields for all certificate of deposit account balances. E-Loan’s bank CD rates are not the best CD rates around but they are still competitive.

    E-Loan’s highest CD rate is on their 72 month certificate of deposit. The current CD rate is 2.57 percent with an annual percentage yield (APY) of 2.60 percent. Their shortest term certificate of deposit, 1 month CD, has a current CD rate of 0.25 percent and an APY of 0.25 percent.

    Current Bank CD Rates and APY

    • 1 Month CD 0.25% Rate 0.25% APY
    • 2 Month CD 0.30% Rate 0.30% APY
    • 3 Month CD 0.40% Rate 0.40% APY
    • 6 Month CD 0.55% Rate 0.55% APY
    • 9 Month CD 0.65% Rate 0.65% APY
    • 1 Year CD 0.85% Rate 0.85% APY
    • 18 Month CD 1.14% Rate 1.15% APY
    • 2 Year CD 1.49% Rate 1.50% APY
    • 3 Year CD 1.74% Rate 1.75% APY
    • 4 Year CD 2.03% Rate 2.05% APY
    • 5 Year CD 2.47% Rate 2.50% APY
    • 6 Year CD 2.57% Rate 2.60% APY

    Certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. For more information about E-Loan and a list of current CD rates visit eloan.com.

     
    Author: Brian McKay
    April 26th, 2010
    Posted in: CD Rates from Banks

    First Central Savings Bank of Long Island, New York, is offering some of the best CD rates available right now. The bank is advertising certificates of deposit with terms from 3 months to 5 years. The minimum opening certificate of deposit account balance is $500.

    The bank’s 12 month CD rate is currently at 1.52 percent with an annual percentage yield (APY) of 1.53 percent. That rate is higher than most CD rates from credit unions or banks available right now. The bank’s 5 year certificate of deposit currently has a CD interest rate of 2.81 percent with an APY of 2.85 percent.

    CD Rates and APY

    • 3 Month 1.08% Rate 1.09% APY
    • 6 Month 1.26% Rate 1.27% APY
    • 9 Month 1.39% Rate 1.40% APY
    • 10 Month 1.43% Rate 1.44% APY
    • 12 Month 1.52% Rate 1.53% APY
    • 14 Month 1.60% Rate 1.61% APY
    • 18 Month 1.75% Rate 1.76% APY
    • 24 Month 1.97% Rate 1.99% APY
    • 36 Month 2.29% Rate 2.32% APY
    • 48 Month 2.52% Rate 2.55% APY
    • 60 Month 2.81% Rate 2.85% APY

    For more information about opening a certificate of deposit account at First Central Savings Bank and a list of current CD rates go to firstcentralsavings.com.

     
    Author: Brian McKay
    April 21st, 2010
    Posted in: CD Rates from Banks

    Bank of Arizona is advertising regular certificates of deposit, jumbo certificates of deposit and Individual Retirement Account certificates of deposit. Regular certificates of deposit and jumbo certificates of deposit have CD terms as short as 7 days and as long as 7 years. IRA certificates of deposit have terms between 6 months and 7 years.

    The bank’s CD rates are not the best CD rates around but they are competitive with the national average rates. The bank’s highest CD rate available right now is their longest term jumbo CD. The current 7 year jumbo CD rate is 3.31 percent with an annual percentage yield (APY) of 3.35 percent. 7 year IRA certificates have a current rate of 3.25 percent with an APY of 3.30 percent.

    Regular Bank CD Rates and APY

    • 7 Days 0.05% Rate 0.05% APY
    • 30 Days 0.05% Rate 0.05% APY
    • 60 Days 0.15% Rate 0.15% APY
    • 90 Days 0.20% Rate 0.20% APY
    • 120 Days 0.20% Rate 0.20% APY
    • 180 Days 0.35% Rate 0.35% APY
    • 270 Days 0.40% Rate 0.40% APY
    • 1 Year 0.60% Rate 0.60% APY
    • 18 Months 0.90% Rate 0.90% APY
    • 2 Years 1.29% Rate 1.30% APY
    • 3 Years 1.94% Rate 1.95% APY
    • 4 Years 2.33% Rate 2.35% APY
    • 5 Years 2.67% Rate 2.70% APY
    • 7 Years 3.26% Rate 3.30% APY

    Jumbo Bank CD Rates and APY

    • 7 Days 0.10% Rate 0.10% APY
    • 30 Days 0.10% Rate 0.10% APY
    • 60 Days 0.20% Rate 0.20% APY
    • 90 Days 0.25% Rate 0.25% APY
    • 120 Days 0.25% Rate 0.25% APY
    • 180 Days 0.40% Rate 0.40% APY
    • 270 Days 0.45% Rate 0.45% APY
    • 1 Year 0.65% Rate 0.65% APY
    • 18 Months 0.95% Rate 0.95% APY
    • 2 Years 1.34% Rate 1.35% APY
    • 3 Years 1.99% Rate 2.00% APY
    • 4 Years 2.38% Rate 2.40% APY
    • 5 Years 2.72% Rate 2.75% APY
    • 7 Years 3.31% Rate 3.35% APY

    IRA CD Rates at Banks and APY

    • 6 Month 0.35% Rate 0.35% APY
    • 1 Year 0.60% Rate 0.60% APY
    • 18 Month 0.90% Rate 0.90% APY
    • 2 Years 1.29% Rate 1.30% APY
    • 30 Month 1.29% Rate 1.30% APY
    • 3 Years 1.93% Rate 1.95% APY
    • 4 Years 2.32% Rate 2.35% APY
    • 5 Years 2.66% Rate 2.70% APY
    • 7 Years 3.25% Rate 3.30% APY

    For more information about Bank of Arizona and a list of current CD interest rates visit: bankofarizona.com.

     
    Author: Brian McKay
    April 16th, 2010
    Posted in: CD Rates from Banks

    First Internet Bank headquartered in Indianapolis, Indiana, is offering certificates of deposit and IRA certificates of deposit. The CD account terms are between 3 months and 60 months. The minimum opening deposit is $1,000. The bank’s CD rates are not the best CD rates around but they are competitive with other banks and credit unions.

    The bank’s highest CD rate and most competitive rate is on their 5 year certificate of deposit. The current 5 year CD interest rate is 2.91 percent with an annual percentage yield (APY) of 2.95 percent.

    CD Rates and APY

    3 Months 0.50% Rate 0.50% APY
    6 Months 0.75% Rate 0.75% APY
    12 Months 1.00% Rate 1.00 % APY
    18 Months 1.19% Rate 1.20 % APY
    24 Months 1.59% Rate 1.60 % APY
    36 Months 2.13% Rate 2.15% APY
    48 Months 2.47% Rate 2.5% APY
    60 Months 2.91% Rate 2.95% APY

    Certificate of deposit accounts are insured by the FDIC for up to $250,000. For a list of more current CD rates go to firstib.com.

     
    Author: Brian McKay
    April 12th, 2010
    Posted in: CD Rates from Banks

    Lafayette Ambassador Bank, headquartered in Easton, Pennsylvania is offering regular certificates of deposit and IRA certificates of deposit with terms between 30 daysand 72 months. In addition to regular certificates of deposit the bank is also offering 12 month variable rate certificates of deposit and a 24 month Bump-Up certificate of deposit.

    The 12 month variable rate certificates of deposit have tiered CD interest rates. Account balances of $1,000 to $4,999 currently earn a CD rate of 1.00 percent with an annual percentage yield (APY) of 1.01 percent. Balances of $5,000 to $9,999 earn a CD rate of 1.04 percent with an APY of 1.05 percent. Balances of $10,000 or more earn a CD rate of 1.14 percent with an APY of 1.15 percent.

    The Bump-Up certificate of deposit has a current CD rate of 1.49 percent with an APY of 1.50 percent.

    Current CD Rates and APY

    • 1-2 Month 0.55% 0.55% 
    • 3-5 Month 0.55% 0.55% 
    • 6 Month 0.70% 0.70% 
    • 7 Month 0.70% 0.70% 
    • 8 Month 0.70% 0.70% 
    • 9 Month 0.75% 0.75% 
    • 10 Month 0.75% 0.75% 
    • 11 Month 0.75% 0.75% 
    • 12 Month 0.90% 0.90%  
    • 13 Month 0.90% 0.90% 
    • 14 Month 0.90% 0.90% 
    • 15 Month 1.00% 1.01% 
    • 16 Month 1.19% 1.20% 
    • 17 Month 1.00% 1.01% 
    • 18 Month 1.14% 1.15% 
    • 19-22 Month 1.14% 1.15% 
    • 23 Month 1.59% 1.60% 
    • 24-29 Month 1.49% 1.50% 
    • 30-35 Month 1.69% 1.70% 
    • 3 Year 1.98% 2.00% 
    • 42 Month 2.13% 2.15% 
    • 4 Year 2.23% 2.25% 
    • 54 Month 2.47% 2.50% 
    • 5 Year 2.71% 2.75% 
    • 6 Year 2.71% 2.75%

    For more information on the bank’s variable rate CDs, Bump-UP CD and current CD rates go to lafambank.com.

     
    Author: Brian McKay
    April 12th, 2010
    Posted in: CD Rates from Banks

    American Bank of Allentown, Pennsylvania, is offering some of the best online CD rates available right now. The bank is offering regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit. The CDs range in terms between 3 months and 60 months.

    The minimum opening deposit for regular certificates of deposit is $500. IRA certificates of deposit have a minimum opening deposit of $250.

    The bank is also offering their 120 day Instant Access certificate of deposit. The 4 month Instant Access CD rate is currently at 0.80 percent with an annual percentage yield of 0.80 percent. The rate is one of the highest CD interest rates available for a 4 month CD.

    Current Online CD Rates and APY

    • 90 day CD Rate 0.70% APY 0.70%
    • 182 day CD Rate 1.00% APY 1.00%
    • 12 month CD Rate 1.29% APY 1.30%
    • 18 month CD Rate 1.49% APY 1.50%
    • 24 month CD Rate 1.64% APY 1.65%
    • 30 month CD Rate 1.83% APY 1.85%
    • 36 month CD Rate 1.98% APY 2.00%
    • 48 month CD Rate 2.42% APY 2.45%
    • 60 month CD Rate 2.86% APY 2.90%

    For a list of current CD rates and more information about the 120 day Instant Access certificate of deposit visit: pcbanker.com.

     
    Author: Brian McKay
    April 12th, 2010
    Posted in: CD Rates from Banks

    Regions Bank, headquartered in Birmingham, Alabama is advertising their Regions certificates of deposit and their Relationship certificates of deposit. Their Regions certificates of deposit (regular CDs) have terms ranging from 7 days to 72 months. The minimum opening deposit for CD terms of 7 days to 89 days is $2,500. CD terms 90 days and longer have a minimum opening deposit of $500.

    The Relationship certificates of deposit have a minimum opening balance of $500 and you have to have a Regions checking account. The Relationship CD rates are higher than the Regions CD Rates. Their highest CD rate is on their 60 month to 72 month CD with the current CD rate at 2.76 percent and an annual percentage yield (APY) of 2.80 percent. The rate isn’t the best CD rate available but it’s still competitive.

    Regions CD Rates & APY

    • 0-2 months 0.05% Rate 0.05% APY
    • 3-5 months 0.05% Rate 0.05% APY
    • 6-11 months 0.20% Rate 0.20% APY
    • 12-17 months 0.79% Rate 0.79% APY
    • 18-23 months 1.00% Rate 1.01% APY
    • 24-29 months 1.04% Rate 1.05% APY
    • 30-35 months 1.44% Rate 1.45% APY
    • 36-47 months 1.83% Rate 1.85% APY
    • 48-59 months 2.37% Rate 2.40% APY
    • 60-72 months 2.51% Rate 2.54% APY

    Relationship CD Rates & APY

    • 0-2 months 0.05% Rate 0.05% APY
    • 3-5 months 0.05% Rate 0.05% APY
    • 6-11 months 0.45% Rate 0.45% APY
    • 12-17 months 1.04% Rate 1.05% APY
    • 18-23 months 1.25% Rate 1.26% APY
    • 24-29 months 1.29% Rate 1.30% APY
    • 30-35 months 1.69% Rate 1.70% APY
    • 36-47 months 2.08% Rate 2.10% APY
    • 48-59 months 2.62% Rate 2.65% APY
    • 60-72 months 2.76% Rate 2.80% APY

    For a list of current CD rates visit: regions.com.

     
    Author: Brian McKay
    April 9th, 2010
    Posted in: CD Rates from Banks

    U.S. Bank, headquartered in Minneapolis, Minnesota, is advertising three promotional certificates of deposit, a “Step Up” certificate of deposit and a “Trade Up” certificate of deposit. The Step Up and Trade Up CDs both allow you to take advantage of rising interest rates during the term of the CD.

    In addition to those certificates of deposit, the bank also offers regular certificates of deposit and IRA certificates of deposit. Their CD rates are not the best CD rates at banks around but the rates are competitive.

    The bank’s Step Up certificate of deposit has a term of 28 months and the CD interest rate automatically increases at 7 months, 14 months and 21 months. The Trade Up certificate of deposit has a term of 60 months and gives you a chance to trade up to a better rate once during the original term.

    The three promotional CD rates aren’t the best CD rates available right now but they do beat the national averages. Here are the bank’s promotional CD rates and annual percentage yields.

    Promotional CD Rates & APY

    • 27 month CD 1.98% Rate 2.00% APY
    • 42 month CD 2.23% Rate 2.25% APY
    • 50 month CD 3.10% Rate 3.15% APY

    The promotional certificates of deposit have a minimum opening balance of $1,000. For current CD rates visit: usbank.com.

     
    Author: Brian McKay
    April 9th, 2010
    Posted in: CD Rates from Banks

    Think Mutual Bank of Rochester, Minnesota, is advertising regular bank certificates of deposit, jumbo certificates of deposit and Individual Retirement Account (IRA) certificates of deposit. Their CD rates are some of the highest CD rates around these days. CD terms range between 30 days and 5 years depending on the type of CD.

    Think Mutual is also offering variable rate certificates of deposit and IRAs with terms of 6 months and 1 year. These certificates of deposit can adjust weekly based on market conditions and the bank’s discretion.

    CD Rates and IRA CD Rates – $500 Minimum Deposit

    • 30 Day IRA CD 0.50% Rate 0.50% APY
    • 3 Month Fixed CD 0.60% Rate 0.60% APY
    • 6 Month Fixed CD 0.90% Rate 0.90% APY
    • 1 Year Fixed Regular CD Only 1.44% Rate 1.45% APY
    • 12 Month Fixed CD 1.44% Rate 1.45% APY
    • 18 Month Fixed CD 1.49% Rate 1.50% APY
    • 2 Year Fixed CD 1.74% Rate 1.75% APY
    • 30 Month Fixed CD 1.84% Rate 1.85% APY
    • 3 Year Fixed CD 2.18% Rate 2.20% APY
    • 4 Year Fixed CD 2.43% Rate 2.45% APY
    • 5 Year Fixed CD 2.87% Rate 2.9% APY

    Jumbo CD Rates and IRA CD Rates – $50,000 Minimum Deposit

    • 30 Day Jumbo IRA CD 0.60% Rate 0.60% APY
    • 3 Month Jumbo Fixed CD 0.70% Rate 0.70% APY
    • 6 Month Jumbo Fixed CD 1.00% Rate 1.00% APY
    • 1 Year Jumbo Fixed CD 1.54% Rate 1.55% APY
    • 12 Month Jumbo Fixed CD Only 1.54% Rate 1.55% APY
    • 18 Month Jumbo Fixed CD 1.59% Rate 1.60% APY
    • 2 Year Jumbo Fixed CD 1.84% Rate 1.85% APY
    • 30 Month Jumbo Fixed CD 1.94% Rate 1.95% APY
    • 3 Year Jumbo Fixed CD 2.28% Rate 2.30% APY
    • 4 Year Jumbo Fixed CD 2.53% Rate 2.55% APY
    • 5 Year Jumbo Fixed CD 2.97% Rate 3.00% APY

    Variable Rate Jumbo CD Rates and IRA CD Rates Minimum Deposit $50,000

    • 6 Month Jumbo Variable 0.69% Rate 0.69% APY
    • 1 Year Jumbo Variable 0.71% Rate 0.71% APY

    For more information about Think Mutual Bank  and current CD rates visit: thinkbank.com.

     
    Author: Jason P. Jones
    April 6th, 2010
    Posted in: CD Rates from Banks

    OneUnited Bank of Los Angeles, California is advertising their “Unity Gold” certificates of deposit. The Unity Gold certificates of deposit have terms from 4 months, 12 months, 24 months and 48 months. The interest rates are tiered but for the most part are the same for all account balances.

    OneUnited Bank’s current 4 month certificate of deposit rate is 1.00 percent with an annual percentage yield (APY) of 1.00 percent. That rate is one of the best CD rates available right now for both a 3 month CD and a 4 month CD.

    The 12 month certificate of deposit rate is 1.50 percent with an APY of 1.50 percent for account balances of $1,000 to $99,999.99. Account balances of $100,00o or more earn a CD rate and APY of 1.55 percent.

    The bank’s 24 month certificate of deposit rate is 1.90 percent with an APY of 1.90 percent for account balances of $1,000 to $99,999.99. Certificate of deposit account balances of $100,00o or more earn a CD rate and an APY of 2.00 percent.

    The current 48 month certificate of deposit rate is 2.40 percent with an APY of 2.40 percent for all account balances.

    For more information about OneUnited Bank and current CD rates go to: oneunited.com.

     
    Author: Lisa Graham
    April 5th, 2010
    Posted in: CD Rates from Banks

    Maspeth Federal Savings of Queens, New York, is advertising some of the best CD rates available these days. The bank is advertising regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit with CD terms between 6 months to 60 months.

    Maspeth Federal’s 12 month certificate of deposit rate tops our 12 month CD rate table of bank CD rates and credit union CD rates. The bank’s current 12 month rate is 1.69 percent with an annual percentage yield of 1.70 percent. 

    Maspeth Federal Savings Best CD Rates

    • 6 Month CD and IRA Min $1500 0.89% Rate 0.90% APY
    • 9 Month CD and IRA Min $1500 1.03% Rate 1.05% APY
    • 12 Month CD and IRA Min $1500 1.66% Rate 1.70% APY
    • 18 Month CD Min $1500 1.61% Rate 1.65% APY
    • 18 Month Wild Card IRA Min $40 1.61% Rate 1.65% APY
    • 24 Month CD Min$ 2500 1.71% Rate 1.75% APY
    • 24 Month IRA Min $2000 1.71% Rate 1.75% APY
    • 60 Month CD Min $2500 2.24% Rate 2.30% APY
    • 60 Month IRA Min $2000 2.24% Rate 2.30% APY

    All certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. For more information about Maspeth Federal Savings and current CD rates visit: maspethfederal.com.

     
    Author: Jason P. Jones
    April 2nd, 2010
    Posted in: CD Rates from Banks

    Friends Bank of New Smyrna Beach, Florida, is offering regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit. Friends Bank tag-line is “A Real Hometown Bank” and they actually have a monthly recipe on their website…this month’s recipe is for White Corn Casserole.

    The bank’s regular certificate of deposits have CD terms between 30 days and 5 years. IRA certificates of deposit have terms ranging between 6 months and 5 years. Their CD rates are not the best CD interest rates available but they still beat the national average rates.

    Regular CD Rates and Yields

    • 30 Day CD 0.2497% Rate 0.25% APY $ 2000 Min
    • 60 Day CD 0.4988% Rate 0.50% APY $2,000.00 Min
    • 90 Day CD 0.4988% Rate 0.50% APY $2,000.00 Min
    • 6 Month CD 0.6976% Rate 0.70% APY $2,000.00 Min
    • 12 Month CD 1.2423% Rate 1.25% APY $500.00 Min
    • 18 Month Advantage CD 1.4396% Rate 1.45% APY $5,000.00 Min
    • 24 Month CD 1.4889% Rate 1.5% APY $1,000.00 Min
    • 30 Month Advantage CD 1.6858% Rate 1.7% APY $5,000.00 Min
    • 36 Month CD 2.4205% Rate 2.45% APY $1,000.00 Min
    • 48 Month CD 2.5669% Rate 2.60% APY $1,000.00 Min
    • 60 Month CD 2.713% Rate 2.75% APY $1,000.00 Min

    IRA CD Rates and Yields

    • 6 Month IRA 0.6976% Rate 0.70% APY $1,000.00 Min
    • 12 Month IRA 1.2423% Rate 1.25% APY $1,000.00 Min
    • 18 Month Advantage IRA 1.4396% Rate 1.45% APY $1,000.00 Min
    • 24 Month IRA 1.4889% Rate 1.50% APY $1,000.00 Min
    • 30 Month Advantage IRA 1.6858% Rate 1.7% APY $1,000.00 Min
    • 36 Month IRA 2.4205% Rate 2.45% APY $1,000.00 Min
    • 48 Month IRA 2.5669% Rate 2.6% APY $1,000.00 Min
    • 60 Month IRA 2.713% Rate 2.75% APY $1,000.00 Min

    All certificate of deposit accounts are insured by the FDIC up to $250,000 until December 31, 2013. FDIC insurance reverts back to $100,000 of coverage starting in 2014.

    Friends Bank also has locations in Edgewater, and Ormond Beach, Florida. For current CD rates and yields visit: friendsbank.com.

     
    Author: Lisa Graham
    March 31st, 2010
    Posted in: CD Rates from Banks

    Giantbank.com of Ft. Lauderdale, FL is advertising competitive CD rates that are also higher than the national average rates. Giantbank.com has a current 12 month certificate of deposit rate of 1.45 percent with an APY of 1.46 percent.

    The 12 month CD rate and yield places Giantbank.com 10th on our list of 12 month certificate of deposit rates. The minimum opening balance for all certificate of deposit accounts is $2,500.

    Current Giantbank.com CD rates and APY

    • 91 day CD 0.75 Rate 0.75 APY
    • 182 day CD 1.10 Rate 1.11 APY
    • 9 month CD 1.15 Rate 1.16 APY
    • 12 month CD 1.45 Rate 1.46 APY
    • 24 month CD 1.65 Rate 1.66 APY
    • 36 month CD 1.99 Rate 2.01 APY
    • 60 month CD 2.19 Rate 2.21 APY

    All certificate of deposits are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. Giantbank.com is the Internet banking divsion of Landmark Bank. For current CD rates visit: giantbank.com.

     
    Author: Lisa Graham
    March 31st, 2010
    Posted in: CD Rates from Banks

    State Bank of India (SBI) is advertising certificates of deposit that have tiered interest rates. The certificates of deposit come in terms ranging from 3 months to 5 years or more. Their CD rates are some of the best CD rates around these days.

    State Bank of India, which is the largest bank in India, has operations in the United States. There is a $5,000 minimum deposit for U.S. resident consumers and corporate customers. The minimum deposit for non-US resident consumers and corporate customers is $10,000.

    Current SBI Certificate of Deposit APY

    • 3 month CD 0.75% APY
    • 6 month CD 1.31% APY
    • 12 month CD 1.56% APY
    • 24 month CD 2.07% APY
    • 36 month CD 2.47% APY
    • 60 month CD 3.19% APY

    As with all certificates of deposit there are early withdrawal penalties. SBI charges the following for an early withdrawal.

    Early Withdrawal Penalty

    • CD term 1 month to less than 1 year - 30 days of interest
    • CD term 1 year to less than 3 years - 90 days of interest
    • CD  term 3 years to less than 5 years 180 days interest
    • CD term 5 years & over – 270 days of interest

    For more information and current CD rates visit statebank.com.

     
    Author: Lisa Graham
    March 30th, 2010
    Posted in: CD Rates from Banks

    Asheville Savings Bank is offering certificates of deposit with terms ranging from 91 days to 60 months. The certificates of deposit have some of the highest CD rates available these days. The certificate of deposit interest rates and APY are tiered, based on the account balance, but current CD rates and APY are the same for all deposit amounts.

    The minimum account balance to receive the current CD rate and CD yield is $500 for all certificates of deposit except for the 12 month CD and 12 month blended CD, which has a minimum of $100 to obtain the rate and yield.

    CD Rates and CD Yields

    • 91 Days 0.75%  0.75%
    • 6 Month 1.29% 1.30%
    • 9 Month 1.39% 1.40%
    • 1 Yr. 1.54% 1.55%
    • 1 Yr. Blended Rate 1.49% 1.50%
    • 15 Month 1.64% 1.65%
    • 18 Month 1.74% 1.75%
    • 2 Yr. 2.18% 2.20%
    • 2 Yr. IRA Blended Rate 2.13% 2.15%
    • 30 Month 2.32% 2.35%
    • 3 Yr. Bump Rate 2.38% 2.40%
    • 4 Yr. 2.57% 2.60%
    • 5 Yr. 2.77% 2.80%

    Asheville Savings Bank is also advertising jumbo certificates of deposit with the following rates and APY:

    Jumbo CD Rates and CD APY

    • 31 Days 0.50% 0.50%
    • 60 Days 0.50% 0.50%
    • 90 Days 0.90% 0.90%

    For current certificate of deposit interest rates and jumbo certificate of deposit rates visit Asheville Savings Bank.

     
    Author: Brian McKay
    March 28th, 2010
    Posted in: CD Rates from Banks

    Bank of Internet USA of San Diego, California, is offering bank CD interest rates that are very competitive. The certificates of deposit range in terms between 3 months to 60 months. All certificates of deposit accounts are FDIC insured for up to $250,000. The bank’s FDIC Cert number is 35546.

    Current Certificate of Deposit Rates

    • 3 to 5 months 0.35% rate 0.35% APY
    • 6 to 11 months 0.99% rate 1.00% APY
    • 12 to 23 months 1.39% rate 1.40% APY
    • 24 to 35 months 1.90% rate 1.92% APY
    • 36 to 47 months 2.14% rate 2.16% APY
    • 48 to 59 months 2.71% rate 2.75% APY
    • 60 month 2.81% rate 2.85% APY

    For more information about Bank of Internet and current CD rates visit Bankofinternet.com.

     
    Author: Jason P. Jones
    March 25th, 2010
    Posted in: CD Rates from Banks

    EverBank 0f Jacksonville, Florida, is offering four different certificates of deposit including their Yield Pledge Certificates of Deposit, CDARS Certificates of Deposit, MarketSafe Certificates of Deposit and WorldCurrency Certificates of Deposit. Each certificate of deposit type earns a different CD rate and CD yield. Certificate of deposit terms range from 3 months to 60 months.

    Yield Pledge Certificates of Deposit

    The Yield Pledge Certificates of Deposit are just like regular bank certificates of deposit and have terms that range between 3 months and 5 years. The minimum opening deposit for a Yield Pledge CD is $1,500.

    Current Yield Pledge CD Rates and APY

    • 3 month CD 0.85% Rate 0.85% APY
    • 6 month CD 0.90% Rate 0.90% APY
    • 9 month CD 0.90% Rate 0.90% APY
    • 1 year CD 1.48% Rate 1.49% APY
    • 1.5 year CD 1.48% Rate 1.49% APY
    • 2 year CD 1.93% Rate 1.95% APY
    • 2.5 year CD 1.98% Rate 2.00% APY
    • 3 year CD 1.98% Rate 2.00% APY
    • 4 year CD 2.64% Rate 2.68% APY
    • 5 year CD 3.28% Rate 3.33% APY

    CDARS Certificates of Deposit

    The Certificate of Deposit Account Registry Service (CDARS) is a service that banks belong to that allows consumers to receive up to $50 million of FDIC insurance protection on their certificates of deposit investment. EverBank is a CDARS network bank. The minimum opening deposit for a CDARS CD at EverBank is $10,000. For more information on CDARS visit: CDARS.com

    Current CDARS CD Rates and APY

    • 3 month CD 0.24% Rate 0.24% APY
    • 6 month CD 0.44% Rate 0.44% APY
    • 1 year CD 0.75% Rate 0.75% APY
    • 2 year CD 1.21% Rate 1.22% APY
    • 3 year CD 1.59% Rate 1.60% APY

    MarketSafe Certificates of Deposit

    EverBank’s MarketSafe certificates of deposit keep your principal 100% safe but you also have the opportunity to earn a higher return than you would receive with a regular certificate of deposit. Your return is based on the performance of a specific reference index. For more information on MarketSafe Certificates of Deposit visit: MarketSafe Certificates of Deposit.

    WorldCurrency Certificates of Deposit

    EverBank’s WorldCurrency Certificates of Deposit are designed to give you the opportunity to earn a higher rate of return by benefiting from the appreciation of currencies against the U.S. dollar.

    This could also work against you if the dollar appreciates against the currency you have a certificate of deposit invested in. If that does happen you could lose some of your principal investment when you convert back to dollars.

     
    Author: Lisa Graham
    March 23rd, 2010
    Posted in: CD Rates from Banks

    Evergreen Bank Group based in Oak Brook, Illinois, is advertising certificates of deposit with terms ranging from 3 months to 60 months. The bank’s CD rates are very competitive and beat the national average CD rates. The minimum opening certificate of deposit balance is $1,000.

    The bank’s highest CD rate is on their 5 year certificate of deposit. The current CD rate is 3.01 percent with an annual percentage yield (APY) of 3.05 percent. The bank’s best CD rate deal is on their 6 month certificate of deposit. The current 6 month CD rate is 1.09 percent with an APY of 1.10 percent.

    Evergreen Bank Group also particpates with the Certificate of Deposit Account Registry Service (CDARS) which allows you to have up to $50 million in FDIC insurance coverage.

    Bank CD Rates

    • 3 month CD 0.75% APY
    • 5 month CD 1.00% APY
    • 6 month CD 1.10% APY
    • 12 month CD 1.50% APY
    • 15 month CD 1.60% APY
    • 18 month CD 1.70% APY
    • 24 month CD 2.00% APY
    • 30 month CD 2.10% APY
    • 36 month CD 2.40% APY
    • 48 month CD 2.90% APY
    • 60 month CD 3.05% APY

    For more information about Evergreen Bank Group and current CD rates visit Evergreenbankgroup.com.

     
    Author: Brian McKay
    March 22nd, 2010
    Posted in: CD Rates from Banks

    California First National Bank (CalFirst Bank) is offering certificates of deposit with terms ranging from 3 months to 36 months. The rates and yields are for regular certificate of deposit accounts and IRA certificate of deposit accounts.

    The certificate of deposit rates are not the best CD rates around but they still beat the national average. The minimum opening deposit for a regular certificate of deposit account at CalFirst Bank is $5,000. IRA certificate of deposit accounts have a $2,000 minimum opening deposit.

    The bank’s shortest term certificate of deposit, the 3 month CD currently has a CD rate of .80 percent with an annual percentage yield(APY) of 0.80 percent. The 6 month CD interest rate isn’t the highest CD rate around but it is almost double the national average 6 month rate of 0.42 percent.

    The bank’s current 6 month CD rate and yield is 1.00 percent whereas the current national average 6 month CD rate is 0.76 percent. The current 12 month certificate of deposit rate is 1.29 percent with an APY of 1.30 percent. The 12 month rate is 0.26 percent higher than the national average 12 month CD rate.

    The current 24 month CD rate is 1.69 percent with an APY of 1.70 percent. The current national average 24 month CD rate is 1.48 percent. CalFirst Bank’s 36 month CD rate matches the current national average rate. The bank’s 36 month CD rate is 1.88 percent with an APY of 1.90 percent. The average 36 month rate is 1.89 percent.

    All accounts are insured by the Federal Deposit Insurance Corporation for up to $250,000. The Bank’s FDIC Cert number is 35331. For more information about California First National Bank and current CD rates visit: CalFirst.

     
    Author: Lisa Graham
    March 21st, 2010
    Posted in: CD Rates from Banks

    M&T Bank is offering promotional certificates of deposit with terms between 6 months and 60 months. The promotional CD rates offered are not the best CD rates around but they are competitive. The bank’s highest promotional CD rate is for their 60 month certificate of deposit. The current CD rate is 2.23% with an annual percentage yield (APY) of 2.25%.

    The bank’s 12 month certificate of deposit rate is currently at 1.09% with an APY of 1.10%. While this CD rate isn’t the highest CD rate it still beats the national average CD rate of 1.03%.

    M&T Bank Promotional CD rates and CD Yields:

    • 6 months CD rate 0.50% APY 0.50%
    • 12 months CD rate 1.09% APY 1.10%
    • 18 months CD rate 1.24% APY 1.25%
    • 24 months CD rate 1.24% APY 1.25%
    • 36 months CD rate 1.44% APY 1725%
    • 60 months CD rate 2.23% APY 2.25%

    M&T Bank Select CD rates and CD Yields:

    • 6 months CD rate 0.35% APY 0.35%
    • 12 months CD rate 0.85% APY 0.85%
    • 18 months CD rate 0.85% APY 0.85%
    • 24 months CD rate 1.01% APY 1.01%
    • 36 months CD rate 1.01% APY 1.01%

    M&T Bank also offers business time deposits (Certificates of Deposit). Call (800) 724-6070 for business CD Rates.

    All certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. You can open a certificate of deposit by stopping by a local branch or by calling 800-724-3222.

    M&T Bank was established in 1856 as Manufacturers and Traders Bank. The bank has $68.9 billion in assets and more than 750 branches in Delaware, Maryland, New York, Pennsylvania, Virginia, Washington D.C and West Virginia.

     
    Author: Brian McKay
    March 19th, 2010
    Posted in: CD Rates from Banks

    CapitalSource Bank, a division of CapitalSource Inc. (NYSE: CSE), is offering certificate of deposit rates that are some of the best bank CD rates available these days.

    CapitalSource Bank is also offering their 6 month ”Liquid Certificate of Deposit” that currently has a CD interest rate of 1.00 percent and an annual percentage yield (APY) of 1.01 percent.

    The Liquid Certificate of deposit has a minimum opening balance of $25,000 and a maximum deposit of $250,000. Deposits and withdrawals are allowed. More information here: Liquid CD

    Bank Certificate of Deposit Rates

    3 month rate 0.75% APY 0.75%
    6 month rate 1.00% APY 1.01%
    9 month rate 1.00% APY 1.01%
    12 month rate 1.34% APY 1.35%
    18 month rate 1.69% APY 1.70%
    24 month rate 1.88% APY 1.90%
    36 month rate 2.18% APY 2.20%
    48 month rate 2.47% APY 2.50%
    60 month rate 2.71% APY 2.75%

    All certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. The bank also offers Individual Retirement Account (IRA) certificates of deposit.

     
    Author: Robert Till
    March 18th, 2010
    Posted in: CD Rates from Banks

    Oritani Bank, based in New Jersey, is advertising certificates of deposit with terms ranging from 3 months to 5 years for regular certificates of deposit and IRA certificates of deposit. The bank is also advertising special promotional certificates of deposit.

    For the special promotional certificates of deposit, Oritani Bank is advertising a 4 month certificate with a current CD rate of 1.143 percent and an APY of 1.15 percent.

    Other special certificates of deposit include a 7 month CD with a current CD interest rate of 1.489 percent with an APY of 1.50 percent. That rate is one of the best CD rates around for a 6 or 7 month term. In fact, that rate beats 12 month savings CD rates. The minimum opening CD deposit for all CDs is $1,000.

    Current CD Rates

    • 3 month rate 1.143% APY 1.15%
    • 4 month rate 1.143% APY 1.15% – Special CD Rate
    • 6 month rate 1.193% APY 1.20%
    • 7 month rate 1.489% APY 1.50% – Special CD Rate
    • 12 month rate 1.391 % APY 1.40%
    • 14 month rate 1.637% APY 1.65% – Special CD Rate
    • 18 month rate 1.833% APY 1.85%
    • 24 month rate 2.225% APY 2.250%
    • 30 month rate 2.372% APY 2.400%
    • 36 month rate 2.470% APY 2.500%
    • 48 month rate 2.518% APY 2.550%
    • 60 month rate 2.713% APY 2.750%

    Current IRA CD Rates

    • 30 month rate 2.470% APY 2.500%  – Special IRA CD Rate
    • 36 month rate 2.567% APY 2.600%  – Special IRA CD Rate
    • 48 month rate 2.616% APY 2.650%  – Special IRA CD Rate
    • 60 month rate 2.810% APY 2.850%  – Special IRA CD Rate

    All certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. Oritani Bank is a division of Oritani Financial Corp which is publicly traded on the NASDAQ: ORIT.

    For more information on certificates of deposit and current CD rates visit: http://www.oritani.com/cms/default.asp

     Oritani Financial Corp

     
    Author: Robert Till
    March 18th, 2010
    Posted in: CD Rates from Banks

    Ascencia Bank, an Internet bank headquartered in Louisville, KY, is advertising certificates of deposit with terms ranging from 6 months and 60 months. The best CD rate is on their promotional 6 month certificate of deposit. The current CD interest rate is 1.10 percent with an annual percentage yield of 1.11 percent.

    The bank’s 12 month certificate of deposit currently has a rate of 1.34 percent with an APY of 1.35 percent. The 12 month rate isn’t the highest CD rate around but it still beats the national average 12 month rate by .30 percent.

    Ascencia Bank CD Rates:

    • 6 Month CD Rate 1.10% Yield 1.11%
    • 1 Year CD Rate 1.34% Yield 1.35%
    • 2 Year CD Rate 1.44% Yield 1.45%
    • 2.5 Year CD Rate 1.44% Yield 1.45%
    • 3 Year CD Rate 1.49% Yield 1.50%
    • 5 Year CD Rate 1.69% Yield 1.70%

    Certificate of Deposit Account Information:

    • Interest is compounded monthly
    • The annual percentage yield is guaranteed for 20 days from the date of application
    • Early withdrawal penalties are 91 days of interest on the amount withdrawn for CDs 12 months or less and 182 days of interest on the amount withdrawn for CDs more than 12 months.

     The minimum opening account balance on all certificate of deposit accounts is $500. Ascencia Bank is a division of PBI Bank. All certificates of deposit are FDIC insured.For more information and current CD rates and CD yields visit: Ascencia Bank.

     
    Author: Jason P. Jones
    March 17th, 2010
    Posted in: CD Rates from Banks

    United Central Bank is advertising regular certificates of deposit with terms between 3 month and 60 months. IRA certificate of deposits are being offering in terms between 12 months and 60 months.

    The CD rates are not the best CD rates at banks around but they are still competitive. The minimum opening CD account balance is $1,000. United Central Bank has been around for over 40 years and has more than $1.5 billion in assets.

    Current Certificate of Deposit Yields:

    • 3 month CD 0.35% APY
    • 6 month CD 0.60% APY
    • 12 month CD 1.20% APY
    • 18 month CD 1.60% APY
    • 24 month CD 1.50% APY
    • 36 month CD 1.50% APY
    • 48 month CD 2.00% APY
    • 60 month CD 2.25% APY

    Current IRA Certificate of Deposit Yields:

    • 12 month CD 1.25% APY
    • 18 month CD 1.60% APY
    • 24 month CD 1.60% APY
    • 36 month CD 1.60% APY
    • 48 month CD 2.10% APY
    • 60 month CD 2.35% APY

    United Central Bank is one of Chicagoland’s leading full service community banks. The bank has branches in New York, New Jersey, Texas and Illinois. For more information visit United Central Bank at http://www.mutualbanking.com.

     
    Author: Jason P. Jones
    March 15th, 2010
    Posted in: CD Rates from Banks

    Eastbank, based in New York, New York,  is offering certificates of deposit with terms ranging from 3 months to 5 years. The bank’s shorter term certificate of deposit rates are very competitive and are some of the best CD rates at banks available these days. The minimum opening CD account balance is $2,500.

    EastBank’s 12 month certificate of deposit tops our 12 month bank CD rate chart in NYC. The current 12 month rate is 1.86% with an annual percentage yield of 1.88%. The rate is almost double the national average rate.

    The bank’s 3 month certificate of deposit rate is currently at 1.24% with an annual percentage yield of 1.25%. The 3 month CD rate is the highest CD rate on our 3 month rate table and triple the 3 month national average rate of 0.42 percent.

    Here is a list of Eastbank’s current CD rates:

    • 3 month CD – rate 1.24% APY 1.25%
    • 6 month CD – rate 1.24% APY 1.25%
    • 12 month CD – rate 1.86% APY 1.88%
    • 24 month CD – rate 2.32% APY 2.35%
    • 30 month CD – rate 2.47% APY 2.50%
    • 60 month CD – rate 3.20% APY 3.25%

    All certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation for up to $250,000. For more information and current CD rates call Eastbank at 212-219-9000.

     
    Author: Brian McKay
    March 13th, 2010
    Posted in: CD Rates from Banks

    Beal Bank, headquartered in Plano, Texas, is offering certificates of deposit with terms ranging from 1 month to 5 years. When you compare their rates with other banks, their shorter term certificate of deposit rates are better deals than their longer term CD  rates.

    The bank’s best CD deal is on their 1 month certificate of deposit. The current rate and APY is 0.61 percent. That rate and yield is better than the 3 month national average rate of 0.48 percent.

    Their longer term CD rates aren’t that great. All their certificates of deposit from 18 months to 60 months all earn a rate and yield of 1.26 percent. You should probably stick to shorter term CD rates at Beal Bank and all banks since interest rates are heading higher in 2010.

    Here is a list of current CD rates and CD yields from Beal Bank:

    • 1 Month  0.61% rate 0.61% APY
    • 2 Month  0.61% rate 0.61% APY
    • 3 Month  0.61% rate 0.61% APY
    • 6 Month  0.76% rate 0.76% APY
    • 9 Month  0.76% rate 0.76% APY
    • 1 Year 1.06% rate 1.06% APY
    • 18 Month 1.26% rate 1.26% APY
    • 2 Year 1.26% rate 1.26% APY
    • 2 1/2 Year 1.26% rate 1.26% APY
    • 3 Year 1.26% rate 1.26% APY
    • 4 Year 1.26% rate 1.26% APY
    • 5 Year 1.26% rate 1.26% APY

    All certificate of deposit accounts have a minimum opening balance of $1,000. Accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000.

    Visit Beal bank for more information: BealBank.com.

     
    Author: Lisa Graham
    March 11th, 2010
    Posted in: CD Rates from Banks

    Champion Bank of St. Louis, Missouri, is offering some of the highest CD rates for short term certificates of deposit. The best CD rates are on their 1 month certificate of deposit and 6 month certificate of deposit.

    The current 1 month CD rate is 0.89% with an annual percentage yield of .90%. That rate and yield is almost as good as the national average 12 month CD rate.

    The current 6 month CD rate is 1.42 percent with an APY of 1.43%.

    The rates and yields advertised are for the bank’s “Metro Statistical Area”.  If you live outside this area you can call them for current CD rates at 1-866-672-9983.

    Champion Bank isn’t a large bank but they have several hundred million dollars in assets. Certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 per account.

    Here is a list of current CD rates and CD yields:

    • 1 month CD .089% rate .090% APY
    • 2 month CD .089% rate .090% APY
    • 3 month CD .099% rate 1.00% APY
    • 6 month CD 1.42% rate 1.43% APY
    • 9 month CD .099% rate 1.00% APY
    • 12 month CD 1.63% rate 1.65% APY
    • 15 month CD 1.63% rate 1.65% APY
    • 18 month CD 1.78% rate 1.80% APY
    • 24 month CD 2.12% rate 2.15% APY
    • 30 month CD 2.07% rate 2.10% APY
    • 36 month CD 2.47% rate 2.50% APY
    • 48 month CD 2.71% rate 2.75% APY
    • 60 month CD 3.09% rate 3.14% APY
    • 72 month CD 3.09% rate 3.14% APY

    For more information on Champion Bank and current CD rates visit: Champion Bank.

     
    Author: Brian McKay
    March 10th, 2010
    Posted in: CD Rates from Banks

    Tennessee Commerce Bank based in Franklin Tennessee is offering certificates of deposit with terms ranging from 3 months to 60 months. Their CD rates are some of the highest CD rates available right now.The minimum opening certificate of deposit account balance is $2,500 for a regular CD. Jumbo certificate of deposit accounts require a higher opening balance.

    Current Tennessee Commerce Bank CD Rates: 

    Duration Rate APY
    3 Months .40% .40%
    6 Months  .75%  .75%
    12 Months 1.69% 1.70%
    18 Months  1.79%  1.80%
    24 Months 2.08% 2.10%
    36 Months 2.37% 2.40%
    48 Months 2.62%  2.65%
    60 Months 2.86% 2.90% 

    Tennessee Commerce Bank says it’s an “all-business bank” and they have built in cost efficiencies that translate into better rates for our customers. All certificate of deposit accounts are insured by the Federal Deposit Insurance Corporation for up to $250,000.

     
    Author: Brian McKay
    March 9th, 2010
    Posted in: CD Rates from Banks

    National City Bank which is now part of PNC Bank is offering certificates of deposit with terms between 6 months and 60 months with a minimum opening balance of $2,500. The bank is also offering two special certificates of deposit, a 6 month and a 12 month “Guaranteed CD Rate.”

    The Guaranteed CD Rate allows you up to three rate increases and you also have the option to withdraw some of your money after each interval without having to pay a penalty. So you get a fixed interest rate and still have access to your funds.

    National City Bank is currently offering the following certificates of deposit:

    • 6 month CD .40% APY
    • 9 month CD .50% APY
    • 12 month CD 0.65% APY for balances between $0.01 and $10,000
    • 12 month CD 0.70% APY for balances over $10,000
    • 24 month CD 0.85% APY for balances between $0.01 and $10,000
    • 24 month CD 0.95% APY for balances between $10,000 and $24,999
    • 24 month CD 1.00% APY for balances of $25,000 and higher
    • 30 month CD 1.00% APY for balances between $0.01 and $10,000
    • 30 month CD 1.05% APY for balances between $10,000 and $24,999
    • 30 month CD 1.25% APY for balances of $25,000 and higher
    • 36 month CD 1.25% APY for balances between $0.01 and $10,000
    • 36 month CD 1.30% APY for balances between $10,000 and $24,999
    • 36 month CD 1.50% APY for balances of $25,000 and higher
    • 48 month CD 1.25% APY for balances between $0.01 and $10,000
    • 48 month CD 1.30% APY for balances between $10,000 and $24,999
    • 48 month CD 1.50% APY for balances of $25,000 and higher
    • 60 month CD 1.55% APY for balances between $0.01 and $10,000
    • 60 month CD 1.60% APY for balances between $10,000 and $24,999
    • 60 month CD 1.80% APY for balances of $25,000 and higher

    The Guaranteed certificate of deposit rates can be found by visiting National City Bank.

     
    Author: Robert Till
    March 8th, 2010
    Posted in: CD Rates from Banks

    HSBC  is offering certificates of deposit between 6 months and 48 months. Probably the best certificate of deposit rate is their online 12 month CD rate – the current rate is 1.01 percent with an annual percentage yield (APY) of 1.01 percent.

    Other certificates of deposit include a 6 month CD with a current interest rate and yield of .040 percent. Their 48 month certificate of deposit has a CD rate of 1.98 percent and an APY of 2.00%.

    Here is a full list of online certificates of deposit being offering at HSBC:

    • 6 month CD 0.40% APY
    • 9 month CD 0.50% APY
    • 12 month CD 1.01% APY
    • 18 month CD 1.01% APY
    • 24 month CD 1.10% APY
    • 30 month CD 1.10% APY
    • 36 month CD 1.60% APY
    • 48 month CD 2.00% APY

    HSBC Advance certificate of account benefits:

    • Guaranteed earnings with no market risk.
    • Early withdrawal penalty is only 30 days’ simple interest.
    • Managing your CD account online is easy and you can also open your CD account online.
    • FDIC Insured for up to $250,000.

    HSBC Advance certificate of deposit rates and information: HSBC

     
    Author: Robert Till
    March 8th, 2010
    Posted in: CD Rates from Banks

    EmigrantDirect.com, the online banking division of Emigrant Bank based in New York is offering some competitive certificate of deposit rates. The bank’s “My Way” certificates of deposit include 5 year to 10 year certificates of deposit that currently have an annual percentage yield (APY) of 2.50%.

    Certificates of deposit between 41 months to 59 months earn an APY of 2.00%. Certificates of deposit between 16 months and 40 months earn an APY of 1.50%. The minimum opening CD account deposit for all CDs is $1,000.

    The CD accounts have Federal Deposit Insurance protection up to $250,000 per account. If you have a larger sum to invest than $250,000, you can get FDIC protection for up to $1,250,000 by opening up to five certificate of deposit accounts at their Regional Banks.

    For more information on EmigrantDirect.com CD accounts and savings accounts visit: EmigrantDirect.com.

     
    Author: Robert Till
    March 8th, 2010
    Posted in: CD Rates from Banks

    Capital One Bank, the retail banking arm of the credit card company Capital One, is offering certificate of deposit rates that are competitive with other banks rates.  The minimum opening CD account balance is $5,000 for a regular CD account and $100,000 for a jumbo CD account.

    The bank also offers an online savings account which they call their “InterestPlus Savings Account” as well as two money market accounts – one called “High Yield Money Market” and the other, “Rewards Money Market.” The bank also offers a business money market account they call a “Business Money Market” account.

    Current certificate of deposit rates from Capital One Bank:

    Regular CD Rates (minimum deposit of $5,000)

    • 6 months CD 0.25% Rate 0.25% APY
    • 1 year CD  0.50% Rate 0.50% APY
    • 18 months CD 0.91% Rate 0.91% APY
    • 2 years CD 1.24% Rate 1.25% APY
    • 30 months CD 0.75% Rate 0.75% APY
    • 3 years CD 1.88% Rate 1.90% APY
    • 4 years CD 2.47% Rate 2.50% APY
    • 5 years CD 2.96% Rate 3.00% APY
    • 7 years CD 3.20% Rate 3.25% APY
    • 10 years CD 3.20% Rate 3.25% APY

    Jumbo CD Rates (minimum deposit of $100,000)

    • 6 months CD 0.25% Rate 0.25% APY
    • 1 year CD  0.50% Rate 0.50% APY
    • 18 months CD 0.91% Rate 0.91% APY
    • 2 years CD 1.24% Rate 1.25% APY
    • 30 months CD 0.75% Rate 0.75% APY
    • 3 years CD 1.88% Rate 1.90% APY
    • 4 years CD 2.47% Rate 2.50% APY
    • 5 years CD 2.96% Rate 3.00% APY
    • 7 years CD 3.20% Rate 3.25% APY
    • 10 years CD 3.20% Rate 3.25% APY

    For a Capital One Bank account application or current rates visit: Capital One Bank.

     
    Author: Robert Till
    March 7th, 2010
    Posted in: CD Rates from Banks