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A survey of current CD rates and terms at ING Direct, or ING Bank, FSBView 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, Wachovia, Taunus, Wells Fargo, HSBC, US Bancorp, Suntrust, ABN, Citizens Financial, Capital One, National City, PenFed, World Savings, Countrywide,  and many more.          

ING Direct CD Rates with FDIC as of 8/28/08
Term APY
6 Month  3.75%
9 Month  3.75%
12 Month  4.00%
18 Month  4.00%
24 Month  4.00%
30 Month  4.00%
36 Month  4.00%
48 Month  4.00%
60 Month  4.25%

Liquid CDLook at their "Orangte Savings Account" were there is no minimum balance required to open your Orange Savings Account, and you don't have to keep a specific balance in your account to qualify for a high interest rate.  Regular CDs are usually higher, but these have their place.

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.)

APY = Annual Percentage Yield

FDIC Insured:  Your deposits at ING DIRECT are FDIC insured up to $100,000 per depositor. Individual and joint accounts are insured separately, so if you have both types of accounts, your total deposits can be insured up to $200,000; that's up to $100,000 in all of your individual accounts, and up to an additional $100,000 in all of your joint accounts. ING DIRECT's FDIC certificate number is 35489. You can learn more about the FDIC at their website, www.fdic.gov. ING is registered with the FDIC under the name ING Bank, fsb.

Article:  How to Get the Best CD Rates

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