Low CD rates got you down? Well WV United Federal Credit Union is offering a very special promotional 6 month CD rate of 11.5%. Yes, that rate is eleven and a half percent for a 6 month CD. The unbelievable CD rate is in response to the Bank Transfer Day Movement that happened Saturday November 5th.

WV United FCU has extended this deal to November 15th. Of course there is a balance limit that can earn the 11.5% CD rate and there are other requirements that have to be met.

The maximum balance that can earn the rate is $2,000 and you have to have an “account relationship” with WVUFCU. The account relationship means the following:

• Open a checking or debit account
• Initiate a direct deposit of your paycheck
• Get a debit card
• Move your automatic withdrawals or utilize EasyPay bill pay.

You can open the CD account with the special rate after you setup the accounts/services, make your first direct deposit and have 5 debit point of sale items posted on your account.  

WVUFCU is also offering another Bank Transfer Day deals in the form of one of the best auto loan rates available at 1.15%.

These deals are open to new members and existing members. You can find out more about the Bank Transfer Day deals at the credit unions website here: WVUnited.org.

As with any credit union there are membership requirements to joining. Information about joining can be found at the credit union’s website, by calling the credit union at (304) 721-4145 or by emailing the credit union at mail@wvunited.org.

Seeing interest rates on deposit accounts so low these days is depressing. If you’re new to certificate of deposit (CD) investing you’re probably shaking your head wondering what type CDs to invest in and where are the best CD rates. You probably see ads for “high yield CD rates” that are not high at all but if you compare these advertised rates to the national average CD rates available the rates don’t look that awful.

For example, right now the current national average 1 year CD rate is at 0.44% but there are many bank CD ratesthat are higher than the average. Aurora Bank’s 1 year CD rate is at 1.11% with an APY of 1.15%, almost three times the national average. A good quick way to find the highest CD rates is by comparison shopping online. 

Before you invest in a CD you should have a complete understanding of all types of CDs including all the aspects and terms of each. You should also make sure to read and fully understand the disclosure statement which will have some hidden surprises which don’t work out in your favor. This information can help you decide if you’re picking a CD that’s appropriate for your investment needs.

As with any investment choice you make you should also know what your goals are with this investment and when you will need access to the money you plan to place in a CD. CD investing isn’t only finding the highest rates available, the other big decession to make is what CD term do you want to invest in. CD deposit terms can range from a day to 10 years.

You can compare CD rates from several banks and credit unions by using our CD rate tables. We also offer a free CD calculator you can use to figure out the return on your CD investment.

CD Rates: Chessie Federal Credit Union (CFCU) of Cumberland, Maryland, is offering certificate rates that are some of the best certificate rates available right now. In fact, CFCU’s share rates are higher than most CD rates at banks right now.

To give you an idea of how good their rates are 12 month to 23 month share dividend rates are currently at 1.25% with a share dividend yield of 1.26%. The current national average 12 month CD rates are only at 0.47%.

Chessie Federal Credit Union’s other certificate rates are well above the national averages. 6 month to 11 month share rates are currently at 0.95% with a CD yield of 0.95%, the current 6 month national average CD rate is at 0.30%.

If you’re interested in share savings rates the credit union is offering rates at 0.75%. You can find savings account rates higher than this rate, many national banks are offering rates around 1.00%. On the other hand the credit union’s IRA savings rates and Educational savings rates are some of the highest available at 2.00% with a yield of 2.02%.

Current Share Rates at Chessie Federal Credit Union

6-11 month Rates 0.95% Yields 0.95%
12-23 month Rates 1.25% Yields 1.s6%
24-35 month Rates 1.55% Yields 1.56%
36 month Rates 1.75% Yields 1.76%
48 month Rates 1.95% Yields 1.96%
60 month Rates 2.15% Yields 2.17%

A list of current rates and Information about joining Chessie Federal Credit Union can be found at chessiefcu.org.

Best CD Rates: The current national average 12 month certificate of deposit rate is at 0.48% as reported by MonitorBankRates.com. The FDIC’s national CD rates on 12 month CDS is even lower at 0.39%. Of course you can find 12 month rates higher than the averages. Right now on our list of the highest CD rates on 12 month CDs Sallie Mae Bank has the best rate at 1.19% with a yield of 1.20%.

Search for the highest CD rates in your state by seraching our rate lists here: Highest CD Rates.

The second highest CD rate on our list of national rates is Aurora Bank. Aurora is offering 1 year bank CD rates at 1.15% with bank CD yields at 1.16%. Both Sallie Mae and Aurora Bank are offering rates more than double the  national averages.

The third best CD rate on our list is from Discover Bank and Giantbank. Both banks are offering 1 year bank CD rates at 1.14% with a yield of 1.15%.

Ally Bank has the fourth best rate on our national CD rate list. Ally Bank’s CD rates on 1 year certificates of deposit are at 1.13% with a yield of 1.14%. Rounding out the top 5 national CD rates is E-Loan.com with a 1 year rate of 1.11% with a yield of 1.15%. Last month E-loan topped our rate list but has since lowered 1 year rates.

American Heritage Federal Credit Union is offering very competitive CD rates right now. 6 month certificate of deposit rates are currently at 2.72% with a CD yield of 2.72%. That rate is well above the national average 5 year CD rate of 1.71% as reported by Monitor Bank Rates.

Find the best CD rates at banks and credit unions by searching our CD rate tables here: Best CD Rates.

American Heritage Federal Credit Union’s other CD rates include the credit union’s 48 month CD rate at 2.379% with a CD yield of 2.40%. This rate is also well above the national average 4 year CD rate of 1.42%.

CD Yields at American Heritage Federal Credit Union

• 3 Month Rate 0.51% Yield 0.51%
• 4 Month Rate 0.51% Yield 0.51%
• 5 Month Rate 0.60% Yield 0.60%
• 6 Month Rate 0.61% Yield 0.61%
• 7 Month Rate 0.61% Yield 0.61%
• 8 Month Rate 0.65% Yield 0.65%
• 9 Month Rate 0.70% Yield 0.70%
• 10 Month Rate 0.75% Yield 0.75%
• 11 Month Rate 0.80% Yield 0.80%
• 12 Month Rate 1.00% Yield 1.00%
• 13 Month Rate 1.05% Yield 1.05%
• 15 Month Rate 1.05% Yield 1.05%
• 18 Month Rate 1.10% Yield 1.10%
• 24 Month Rate 1.51% Yield 1.50%
• 30 Month Rate 1.70% Yield 1.69%
• 36 Month Rate 2.01% Yield 2.00%
• 48 Month Rate 2.40% Yield 2.38%
• 60 Month Rate 2.75% Yield 2.72%

CD Rates listed are for a $1,000 minimum balance. $500 minimum balance Term Share and IRA Certificates available at 0.10% lower Annual Percentage Yield. Use MBR’s free CD calculator to calcuate how much interest you can earn with these rates.

Membership at American Heritage Federal Credit Union is open to anyone who lives, works, worships or goes to school in Philadelphia. Employees of many “sponsor” companies can also join the credit union. Information about joining and a list of sponsor companies can be found here: Joining. 

Guadalupe Parish Credit Union, a small credit union with branches in Antonito, CO and La Jara, CO, is advertising competitive CD rates. Guadalupe Parish Credit Union’s CD rates are tiered and available in terms of 3 months, 6 months, 12 months and 24 months.

Search and compare the highest bank CD rates and credit union CD rates from several institutions by searching our rate tables here: Highest CD Rates

3 month CD rates and yields are at 0.80% for account balances between $500 and $24,999.99. 3 month rates for account balances of $25,000 to $99,999.99 are slightly higher at 0.85%.

6 month rates are at 0.85% with a CD yield of 0.85% for account balances under $25,000. Balances over that amount have a rate of 0.90%.

12 month rates are at 0.90% with a CD yield of 0.90% for account balances under $25,000. Balances over that amount have a rate of 0.95%.

24 month rates are at 1.19% with a CD yield of 0.90% for account balances under $25,000. Balances over that amount have a rate of 1.24% and a yield of 1.25%.

As with any credit union you have to become a member. Guadalupe Parish Credit Union’s membership is limited to parishioners and their family members from Our Lady of Guadalupe Parish in Antonito, St. Joseph’s Parish in La Jara, and Sangre de Cristo Parish in San Luis Valley.

Dover Federal Credit Union is offering one of the highest CD rates on a 5 year certificate (certificate of deposit). The current 5 year CD rate is 2.23% with a CD yield of 2.25%. That rate is better than the national average 5 year CD rates at banks and credit unions which is at 1.72%.

• Find current CD rates by searching our rate lists.

Dover Federal Credit Union is offering that 5 year rate on both regular share certificates and IRA share certificates. Some of the other advertised credit union CD rates include 6 month rates (not available for an IRA) and yields at 0.80%.

1 year CD interest rates and CD interest yields are at 1.00%. That is better than the current national average 1 year rate of 0.539%.

CD Rates at Dover Federal Credit Union

6-Month Yield 0.8%
12-Month Yield 1.00%
18-Month Yield 1.1%
24-Month Yield 1.25%
30-Month Yield 1.6%
36-Month Yield 1.75%
4-Year Yield 2.00%
5-Year Yield 2.25%

IRA CD Rates at Dover FCU

1 Year Yield 1.00%
2 Year Yield 1.25%
3 Year Yield 1.75%
4 Year Yield 2.00%
5 Year Yield 2.25%

Use our free certificate of deposit calculator to figure out how much interest you can earn on Dover FCU’s certificates.

Right now on our list of the best CD rates on 4 year certificates of deposit in New Jersey, several different regional banks are listed with the best CD rate. Hudson City Savings Bank, Bogota Savings Bank, Oritani Savings and Columbia Bank are all offering 4 year CD rates at banks at 2.23% with a bank CD yield of 2.25%.

Find the highest CD rates from local banks and national banks by searching our rate tables here: Bank CD Rates.

The second highest CD rate on our list of 4 year New Jersey CD rates is from Bank of Internet USA. The online bank is offering 4 year CD interest rates at 2.09% with a yield of 2.11%.

A bank and credit union are listed with the third best CD rate on our list in New Jersey. Pentagon Federal Credit Union and Discover Bank are both offering 4 year rates at 1.98% with a yield of 2.00%.

Ally Bank is next on our list with a 4 year CD rate of 1.97% with an APY of 1.99%. Ally Bank’s 4 year certificate of deposit is their Raise Your Rate CD which allows you to bump up the CD rate once during the 4 year term if rates go higher.

Rounding out the top 5 New Jersey CD rates is Nationwide Bank and First Internet Bank of IN. Both 4 year bank CD rates are at 1.93% with a yield of 1.95%.