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A survey of current CD rates and terms at Discover Bank of New Castle, DE.  View our latest survey of the APY interest rates paid for certificates of deposit by term for the major and minor banks and credit unions that includes but is not limited to: Citibank, BofA, Chase, Discover, Taunus, Wells Fargo, HSBC, US Bancorp, Suntrust, ABN, Citizens Financial, Capital One, National City, PenFed, World Savings, Countrywide,  and many more.       

==>  " Discover Bank Certificate of Deposit Accounts as of 10/07/08  <==

Term Interest Rate APY
3 months 3.00% 3.04%
6 months 3.04% 3.08%
9 months 3.43% 3.48%
1 year 3.98% 4.06%
1½ years 4.30% 4.39%
2 years 4.43% 4.52%
2½ years 4.37% 4.46%
3 years 4.65% 4.75%
4 years 4.85% 4.96%
5 years 5.08% 5.21%
7 years 5.26% 5.40%
10 years 5.30% 5.44%

Article: Beware of Annuities

Definition:  A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.  Often there is a penalty for early withdrawal (taking your money out before the specified period of time.)

1 Funds may not be added during the term of a certificate of deposit (CD), except for Liquid CDs. Interest rate and APY in effect at the time a CD account is opened are guaranteed for the full term. Personal funds only.

2 Annual Percentage Yield accurate as of 5/5/2008 and may change after account opening. Fees may reduce earnings. Penalty may be imposed for early withdrawal.

Article:  How to Get the Best CD Rates

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