My Banking Direct is currently offering which is probably one of the best CD rates on an online short-term certificate of deposit. The CD rate offered by My Banking Direct is on the bank’s the 5-month CD rate, currently at an impressive 5.15%, a rate that matches or exceeds many 12-month CD rates available right now. Rates are expected to decline this year or next year, so now is a good time to lock in a CD rate while rates are high.

If you’re considering a slightly longer-term CD account than a 5-month CD, you can get 12-month CD rates above 5.00 percent with several other banks, but if you’re time period is shorter, this 5-month CD from My Banking Direct is the way to go.

My Banking Direct, is a service of Flagstar Bank. Flagstar Bank, headquartered in Michigan, has been in operation since 1987, serving individuals, businesses, and communities with a variety of financial services, with My Banking Direct as its dynamic online banking division.

Over the years, My Banking Direct has harnessed the advancements in technology to make banking easier and more accessible for everyone, everywhere. They have earned a reputation for competitive rates and excellent customer service, attributes that reflect Flagstar Bank’s commitment to its customers’ financial growth and well-being.

Flagstar Bank, having celebrated over three decades of service, has successfully established a national presence and carved a niche for itself in the finance world, servicing billions of dollars in assets. With such a strong and substantial legacy, My Banking Direct benefits from the firm foundation and profound industry experience of Flagstar Bank.

By opening a CD account with My Banking Direct, not only do you get a really high CD rate on a 5-month CD, but also the assurance of banking with an established, reliable institution. You can compare this 5-month CD rate with other rates by using our rate table here: Bank CD Rates at MonitorBankRates.com

Step into the financial future with confidence by opening a Barclays CD Account today. Don’t miss out on the highly attractive CD rates currently on offer – an opportunity that might change soon. Barclays is leading the charge with some of the most competitive online CD rates available. Seize the moment with a 12-month CD rate standing at an impressive 4.78% and an APY of 4.90%. Even the 18-month and 24-month CD rates are highly compelling at 4.69% and 4.50% respectively, with corresponding APYs of 4.80% and 4.60%. The icing on the cake? There’s absolutely no minimum opening deposit requirement for any CD accounts at Barclays.

The versatility in terms of Barclays CDs, ranging from 12 to 60 months, offers you the flexibility to choose according to your financial goals. This is the time to capitalize on the fact that short-term interest rates are currently higher than long-term rates.

Adding to the appeal of Barclays CDs is the assurance that they are FDIC-insured up to $250,000 per depositor. This means your investment is safeguarded even in the unlikely event of a bank failure. This makes Barclays CDs an attractive and secure investment choice, especially in light of recent bank failures.

Check out the current CD rates at Barclays:

• 12 Month CD 4.78% APY 4.90%
• 18 Month CD 4.69% APY 4.80%
• 24 Month CD 4.50% APY 4.60%
• 36 Month CD 4.21% APY 4.30%
• 48 Month CD 4.31% APY 4.40%
• 60 Month CD 4.40% APY 4.50%

Barclays CD Account

Before you invest, remember to consider the early withdrawal penalty associated with Barclays CDs. Be sure to read the terms carefully to avoid any unwanted surprises.

It’s time to take the plunge. Barclays Certificates of Deposit offer fantastic rates, particularly for shorter-term CDs. Along with the range of terms and FDIC insurance, you have a winning combination for your investment goals.

The time is now! Don’t wait for CD rates to change. Open a Barclays CD Account today and step into a secure financial future. To learn more or to open an account, visit Barclays at https://www.banking.barclaysus.com/online-cds.html. Secure your financial future with Barclays CD today!

Take the reins on your financial future today! Consider opening a Bread Savings CD Account, a choice that offers you some of the best CD rates in the market. Particularly attractive are the 1-year and 2-year certificates of deposit offered by Bread Savings, with 12-month CD rates standing at an impressive 5.20% APY, and 24-month CD rates at 5.00% APY. If you’re looking for a longer-term commitment, the 5-year CD rates at 4.25% APY are worth considering. All it takes to start is a minimum opening balance of $1,500.

Bread Savings CD account stands out in the crowd due to its competitive CD rates. The unique structure of these rates mirrors the current market trend – higher yields for shorter-term investments. It’s an opportune time to take advantage of these higher rates, especially with interest accrued and compounded daily. This mechanism promises a higher overall APY than those accounts that compound interest less frequently, such as quarterly or semi-annually.

Bread Savings CD Rates Available to You:

• 1-year CD APY 5.20%
• 2-year CD APY 5.00%
• 3-year CD APY 4.50%
• 4-year CD APY 4.35%
• 5-year CD APY 4.25%

What’s more, Bread Savings offers a maximum deposit limit of $1 million per account, and a generous $10 million limit per customer. If you’re looking to invest large sums, Bread Savings offers a secure and viable option. In these uncertain times, investing with a larger, more established bank can provide you with the security you need.

To sum up, Bread Savings offers a multitude of CD terms, ranging from 12 to 60 months, enabling you to choose the term that best aligns with your financial aspirations. If you need quicker access to your funds, opt for a shorter-term length. If you’re aiming to maximize your interest earnings, a longer-term length would be more suitable.

The time to act is now. Secure your future, optimize your earnings, and make the smart move. Open a Bread Savings CD Account today! To learn more about CD accounts at Bread Savings, visit https://savings.breadfinancial.com/products/certificates-of-deposit. You’re just a few clicks away from a financially robust future.

Unlock the power of your savings with Sallie Mae’s impressive CD rates! With current offerings such as a 12-month CD at a staggering 4.90%, an 18-month CD at 5.00%, and a 6-month CD at a strong 4.00%, your money won’t just sit—it will work for you. And that’s just the beginning; Sallie Mae has a variety of CD options with competitive rates, a detailed list of which can be found below. Ready to start? A minimum opening deposit of $2,500 is all it takes!

As a trusted name in student loans and banking products, Sallie Mae also offers savings accounts and money market accounts alongside its range of CDs. Please bear in mind that while the listed CD interest rates are enticing, they are subject to change. However, once you commit to a CD, your rate is locked in, securing your interest unless you decide to make an early withdrawal. In such a case, an early withdrawal penalty applies. To stay updated, make sure to verify current rates on the Sallie Mae website or by speaking with a representative before opening a CD account.

Here’s a quick glance at current Sallie Mae CD Rates:

• 6-month rate: 4.00% APY
• 9-month rate: 4.10% APY
• 11-month rate: 4.20% APY
• 12-month rate: 4.90% APY
• 13-month rate: 4.60% APY
• 15-month rate: 4.95% APY
• 18-month rate: 5.00% APY
• 24-month rate: 4.65% APY
• 30-month rate: 4.00% APY
• 36-month rate: 4.00% APY
• 60-month rate: 4.00% APY

Why not start your journey with Sallie Mae today?

A brief look at Sallie Mae:

Established in 1972, Sallie Mae has evolved from a government-sponsored enterprise providing federal education loans, to a public entity offering a suite of financial products. Post-privatization in 2004 and subsequent split in 2014, it now operates as Sallie Mae Bank, providing private education loans, and Navient, managing services and collections for federal and private education loans.

Sallie Mae’s CDs are a smart choice for your financial portfolio, offering competitive interest rates across a range of term options. Standard terms apply for early withdrawals and automatic renewals, making these CDs a solid, reliable choice. Experience the benefits of Sallie Mae’s diverse CD terms and attractive rates today! Explore more at https://www.salliemae.com/banking/certificates-of-deposit/.

Bread Savings CD rates on the bank’s 1-year and 2-year CD accounts are some of the top rates available right now. Current 2-year CD rates are at 4.97% with an APY of 5.10%, 1-year CD rates are at 4.92% with an APY of 5.05% and 3-year CD rates are at 4.40% with an APY of 4.50%. Rates are lower on longer-term CD accounts.

The minimum opening deposit for all CD accounts at Bread Financial is only $1,500. The good news is the maximum opening deposit to earn these CD rates and yields is a lot higher than most other bank’s maximum opening deposit. The maximum deposit limit of $1 million per account and $10 million limit per customer.

Bread Savings CD account interest earned is accrued and compounded daily, credited and posted monthly. You can view a complete list of today’s CD rates at Bread Financial below. CD interest rates change constantly so be sure to always check for current rates available.

Bread Savings CD Rates

• 12-Month CD rate 4.92% APY 5.05%
• 24-Month CD rate 4.97% APY 5.10%
• 36-Month CD rate 4.40% APY 4.50%
• 48-Month CD rate 4.26% APY 4.35%
• 60-Month CD rate 4.16% APY 4.25%

Bread Savings CD Account Fees, Features and Benefits:

• No hidden fees
• No monthly maintenance
• Online statements
• $25 per outgoing wire transfer
• $15 per official check request
• $5 per paper statement request
• Auto-renew at maturity or cash out without penalty within the 10-day grace period

To learn more about Bread Savings Financial CD accounts or to open an account go to https://savings.breadfinancial.com/products/certificates-of-deposit

The recent collapse of Silicon Valley Bank (SVB) has raised concerns about the potential for similar failures in other banks. The failure of SVB could lead to a run-on other banks, particularly other reginal banks like SVB, as customers and investors may become nervous about the stability of the banking industry. However, it is important to note that not all banks are the same, and there are several factors that could prevent another bank from failing in the same way that SVB did.

One of the key factors that could prevent another bank from failing like SVB is diversification. Unlike SVB, which was heavily reliant on the tech industry, most banks offer a wide range of financial products and services. This diversification provides a buffer against market fluctuations, as banks have other sources of revenue to fall back on when one industry or sector is struggling. Furthermore, banks are required to maintain a certain level of liquidity and capital to ensure that they can withstand any economic shocks.

Another one of SVB’s key mistakes was investing its deposits in long-duration U.S Treasuries, which value plunged in price as interest rates rose. Normally a bank could just hold these Treasuries until maturity and would not have to take a loss, but SVB need to raise cash because depositors were withdrawing deposits, the caused SVB to sell these holdings of about $20 billion and realize a loss of $1.8 billion.

Another factor that could prevent another bank from failing like SVB is regulation. The banking industry is heavily regulated, and banks are required to adhere to strict standards of financial stability and risk management. Regulators closely monitor the activities of banks and can intervene if they detect any signs of instability or risky behavior. Furthermore, banks are required to undergo regular stress tests to determine their ability to withstand economic shocks.

Another key factor that could prevent another bank from failing like SVB is leadership. While SVB’s leadership has been criticized for its aggressive and risky approach, most banks have strong leadership teams that prioritize financial stability and responsible risk management. Banks with strong leadership teams are more likely to make sound financial decisions and avoid the kinds of risky practices that can lead to failure.

While the failure of Silicon Valley Bank has raised concerns about the potential for similar failures in other banks, there are several factors that could prevent another bank from failing in the same way that SVB did. These factors include diversification, regulation, and leadership. It is important for banks to prioritize financial stability and responsible risk management to ensure the long-term health and stability of the banking industry.

Community First Bank (CFG Bank) is offering some very competitive CD rates right now, especially on the bank’s 12-month CD. CFG Bank CD rates on the bank’s 12-month CD account are at 4.75% APY, one of the best 12-month CD rates available right now.

CFG Bank Clients have the ability to select from various CD options to match their investment goals and needs. The bank offers flexible CD terms ranging from 12 months to 5 years and a minimum deposit requirement of $500. Current CD rates from CFG Bank are listed below, as you can see just like the current yield curve with U.S. Treasuries, the longer you go out the lower the interest rate is on the CD.

CFG Bank CD Rates

12-Month CD 4.75% APY
18-Month CD 4.65% APY
36-Month CD 4.51% APY
60-Month CD 4.41% APY

Open a CFG Community Bank CD Account

CFG Bank offers competitive interest rates on its CDs which can change without prior notice. The bank provides the convenience of automatic renewal at maturity, meaning that the CD will automatically renew for the same term at the current interest rate. This is a great option for individuals who prefer to keep their investments in a fixed-term deposit.

Investing in a CD is a secure way for individuals to grow their savings without exposure to the risks associated with other investment options. CFG Bank is insured by the Federal Deposit Insurance Corporation (FDIC), providing depositors with peace of mind when it comes to the security of their funds. Clients have the choice of receiving their interest payments on a monthly, quarterly, semi-annual or at maturity basis, depending on their preference.

By choosing a CD at CFG Bank, Clients can ensure a fixed return on their investment for a set period of time. The bank’s flexible terms and competitive interest rates make it an attractive option for individuals looking to grow their savings. With the assurance of FDIC insurance, depositors can feel confident that their funds are secure.

The bank’s automatic renewal option at maturity is a convenient feature for those who prefer to keep their investments in a fixed-term deposit. The bank’s commitment to providing Clients with a variety of CD options to match their needs and goals makes it an ideal choice for those looking to grow their savings.

In summary, CFG Bank’s Certificates of Deposit offer depositors a secure and convenient way to grow their savings. With flexible terms, competitive interest rates, and automatic renewal options, CFG Bank’s CDs are a great option for those looking to achieve their investment goals. Open an account on CFG Bank’s website: https://www.cfg.bank/personal-banking/personal-deposit-rates.

Capital One’s 11-month certificate of deposit offering a 5.00 percent Annual Percentage Yield (APY) is a limited time offer that customers should take advantage of while they can. The 5.00 percent APY is higher than comparable 12-month CD rates, in fact, this is one of the best CD rates around right now. The fact that this special rate is being offered on a shorter term CD is also noteworthy, as shorter term CDs typically offer lower rates than their longer term counterparts.

This 11-month CD from Capital One is an excellent opportunity for those who want to take advantage of a high interest rate without committing to a longer-term investment. The 5.00 percent APY can help customers grow their savings faster and reach their financial goals sooner. Additionally, this special rate is only available until 3/14/23, so customers who are interested in this CD should act quickly to take advantage of this offer.

It’s worth mentioning that the last time CD rates were this high was back in 2008, just before the financial crisis and Great Recession. This highlights the current strength of the financial market and the confidence that financial institutions have in the economy. With that in mind, this 11-month CD from Capital One is a great option for those who want to invest in a safe and secure financial product that provides a competitive return on investment.

Capital One’s 11-month CD offering a 5.00 percent APY is a limited time offer that should not be missed. The high interest rate, shorter term, and ease of management through Capital One’s online banking platform make it one of the highest CD rates currently available. Customers who are looking to grow their savings should take advantage of this special rate while they can. You can open this special CD account at https://www.capitalone.com/bank/cds/special-cd-rates/

Capital One 360 CD rates are very competitive for an online bank and blow traditional brick and mortar bank CD rates right out the water. The current CD rates offered by Capital One Bank range from 3.30% APY for a 3-month term to 4.40% APY for a 60-month term.

There is no minimum opening deposit when opening a CD with Capital One Bank. The bank also offers the option to withdraw funds before maturity, however, this may result in a penalty.

Capital One CD Rates

9 Months 3.30% APY
12 Months 4.15% APY
18 Months 4.25% APY
24 Months 4.30% APY
30 Months 4.30% APY
36 Months 4.30% APY
48 Months 4.20% APY
60 Months 4.10% APY

A certificate of deposit (CD) is a type of savings account offered by banks and financial institutions, including Capital One Bank. CDs offer a fixed interest rate for a set period of time, known as the term, and are generally considered a low-risk investment option. Capital One Bank offers a range of CD options, each with its own set of rates and terms.

One of the key benefits of a CD is that it offers a fixed interest rate, which means that the rate will not change during the term of the CD. This makes it an attractive option for individuals looking for a stable investment with a guaranteed return. CDs also offer higher interest rates than traditional savings accounts, providing an opportunity for savers to earn more on their deposited funds.

Capital One Bank has a history of over 30 years, it was founded in 1988 as a credit card company and later on expanded to banking and lending services. The bank is known for its innovative products and services, including its 360 Performance Savings account, which offers a high-yield interest rate and no fees.

In addition to CDs, Capital One Bank also offers a range of other financial products and services, such as checking and savings accounts, credit cards, auto loans, and mortgages. The bank also provides a variety of digital tools and resources, including mobile banking and online account management, to help customers manage their accounts and achieve their financial goals.

In conclusion, a CD is a low-risk investment option that offers a fixed interest rate and a guaranteed return. Capital One Bank offers a range of CD options with competitive rates and terms. It’s important to consider the length of the term, the minimum deposit and any penalties associated with early withdrawal before opening a CD account. Additionally, Capital One Bank has a history of over 80 years and offers a range of financial products and services, as well as digital tools and resources to help customers manage their accounts and achieve their financial goals.

Alliant Credit Union is a not-for-profit financial institution that offers a variety of financial products and services to its members. One of the products offered by Alliant Credit Union is a certificate of deposit (CD). A CD is a savings account that allows members to deposit a fixed amount of money for a specific period of time, typically ranging from a few months to several years. In return for committing their money for a set period, members can earn a higher interest rate than they would on a traditional savings account.

Alliant Credit Union currently offers a range of CD options with varying terms and interest rates. The minimum deposit for a CD account is $1,000 and the maximum deposit varies depending on the type of CD account. The interest rate on a CD can be fixed or variable, and the term of the CD can range from 12-months to 5 years.

Current CD Rates from Alliant Credit Union

12-month to 17-month CD 4.60%
18-month CD 4.25%
24-month CD 4.25%
36-month CD 4.60%
48-month CD 4.25%
60-month CD 4.25%

You can compare Alliant CD rates with the best CD rates listed on MonitorBankRates.

One of the most popular CD options offered by Alliant, which also has the highest CD rate is the 12-month term CD. This option has a minimum deposit of $1,000 and an annual percentage yield (APY) of 4.60%. This APY is subject to change and is based on the credit union’s evaluation of market conditions.

Another popular option is the 36-month term CD. This option has a minimum deposit of $1,000 and also has a APY of 4.60%. This APY is also subject to change and is based on the credit union’s evaluation of market conditions.

Alliant also offers a 60-month term CD. This option has a minimum deposit of $1,000 and an APY of 4.25%. This APY is subject to change and is based on the credit union’s evaluation of market conditions.

Alliant also offers a Jumbo CD option which requires a minimum deposit of $95,000 and has a 60-month term. The APY for this option is currently 0.45%.

The Credit Union also offers a special option of the “Add-on” CD, which allows members to make additional deposits to the CD account at any time during the term. This option is available for terms of 12, 24, 36 and 60 months with the same minimum deposit of $1,000 and the same APY as the standard CD option.

Alliant Credit Union’s CD rates are generally competitive with other financial institutions. It is important to note that the rates are subject to change and may fluctuate based on market conditions. Before opening a CD account, members should research and compare the rates and terms of other financial institutions to ensure they are getting the best deal possible.

When opening a CD account with Alliant Credit Union, members should also be aware of the early withdrawal penalties. If a member withdraws money from the CD account before the maturity date, they will be subject to a penalty. The exact amount of the penalty will depend on the term of the CD and the amount of money withdrawn.

In conclusion, Alliant Credit Union offers a variety of CD options with competitive rates and terms. Members should research and compare the rates and terms of other financial institutions before opening a CD account. Additionally, members should be aware of the early withdrawal penalties associated with CD accounts. Overall, CD accounts can be a great way for members to save money and earn a higher interest rate than they would on a traditional savings account.