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Today's
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CDs Rates From Banks You Can Trust - Today's Survey
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Today's
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Best CD Rates with FDIC CDs Rates From Banks You Can Trust - Today's Survey |
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| Historical
CD Rates |
*==> Very Best CD Rates with FDIC <== * |
iBonds |
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Find the best
(highest
paying APY) CD rates from this survey. Print out our
"Highest CD Rate Survey"
and bring it in with you to bargain for your bank's best rates!
Don't renew automatically. Ask for better rates! It costs money to get new accounts so Banks often give you a deal if you are ready to walk out the door with a cashier's check after you close your just matured CD. This is our latest survey of the APY interest rates paid for certificates of deposit. You can often get higher than advertised rates at your local branch if you do your homework. Print out some of the advertisement of rates advertised on your bank's competing web sites so you have proof. We often get better than advertised rates if we bring in our own rate sheet survey, especially if it keeps us from taking our money from a renewing CD to another bank. It costs money to get new accounts so Banks often give you a deal if you are ready to walk out the door with a cashier's check. Rates and terms may
change so read the fine print and make sure you get FDIC
insurance!!!!
Bottom line: It never hurts to ask the teller if better rates are available when you do your homework! "Highest CD Rate Survey" => (Current Survey) - Current US Treasury Rates
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Current
CD and Savings Account Rates From Banks You Can Trust
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| Bank
Name |
As
Of |
Best
Rate (APY) |
Term
for listed CD Rate |
| 1st Source
Bank of South Bend, Indiana (IN) |
11/25/08 |
4.51% |
2
Years |
| ABN Amro North America | |||
| Addison
Avenue Federal Credit Union |
7/15/09 |
1.60% |
1-Yr |
| Advanta
Bank Corp |
9/3/07 |
5.40 |
18
months |
| Allied
First Bank of Naperville, Illinois (IL) |
1/7/09 |
4.50 |
4
years |
| Ally Bank
(formerly GMAC Bank - Story) |
5/23/09 |
2.80 |
1 Yr |
| AmTrust Direct | 7/25/07 |
5.41% |
1
Year |
| Apple
Bank |
2/28/08 |
3.75% |
1, 2
& 5 yrs |
| Ascencia
Internet Bank Louisville, Kentucky (KY) part of PBI Bank |
12/02/09 |
1.51% |
6
months |
| Astoria
Federal Savings Bank |
7/9/10 |
3.05% |
5-years |
| Aurora Bank,
FSB in Wilmington, Deleware (DE) |
7/28/09 |
1.71% |
6 months |
| Bank of America | 9/9/09 |
3.01% |
5
years |
| Bank
of Hawaii (Bankoh) |
|||
| Bank of Internet USA | 11/09/10 | 1.15% |
6-mo
CD |
| Bank of the
West |
11/09/07 |
1.48% |
1
YR CD |
| Bancwest Corp. | |||
| BB&T Corp. | |||
| BNP
Paribas Bank |
|||
| Borel
Private Bank & Trust Company |
|||
| Capital
One Bank |
12/02/09 |
3.25% |
10
Years |
| Capital One Financial Corp. | |||
| Cattleman's
National Bank Corporation |
|||
| Centennial Bank, Fountain Valley, Calif. (CA) | 5/8/08 |
4.13% |
3
years |
| Charles Schwab Corp. | |||
| Chase
Bank |
9/9/09 |
3.00% |
5-years |
| Citibank | 9/9/09 |
3.44% |
5-years |
| Citizens Bank - Citizens Financial Group, Inc | |||
| Champion Bank of St. Louis, Missouri (MO) | |||
| Colorado
Federal Savings Bank; Greenwood Village, Colorado (CO) |
12/02/09 |
1.70% |
High
Yield MM Fund |
| Commerce
Bancorp, Inc. |
|||
| Comerica Bank | 10/29/08 |
3.75% |
6 to
10 years |
| Countrywide Bank | 03/06/08 | 4.10% |
6
months |
| Corus Bank |
2/24/09 |
2.73% |
5 -
yrs |
| Discover
Bank, New Castle, Deleware (DE) |
9/7/09 |
3.85% |
10
Years |
| Downey
Savings |
10/29/08 |
4.15% |
12
months |
| E-Loan | 5/4/08 |
4.60% |
5
Years |
| E*Trade
Bank |
12/13/07 |
5.25% |
6
Months |
| Eastern
Savings Bank |
3/10/08 |
3.70 |
2
years |
| EverBank
of Jacksonville, FL |
3/8/10 |
3.29% |
5 years |
| Excel National Bank | 2/10/08 |
4.00% |
3, 6
& 12 months |
| FHLB |
12/14/07 |
5.74% |
Matures
2023 |
| First
Century Bank, N.A. Gainesville, Georgia (GA) |
11/09/09 |
||
| Fifth Third Bancorp | |||
| First
Republic Bank |
12/22/04 |
4.85% |
4-mo
Liquid CD |
| Flagstar
Bank |
12/07/07 |
5.01% |
2
years |
| Flagstar
Bank Direct |
08/03/10 |
1.25% |
6 months |
| Florida Bank, Florida
(FL) |
|||
| FNBO Direct | 12/17/07 |
5.25% |
9
Months |
| Fultdirect.com
Herndon, Virginia (VA) |
12/21/08 |
3.57% |
6
months |
| Geauga
Savings Bank, Newbury, Ohio (OH) |
8/8/08 |
4.41% |
2
years |
| Golden 1 CU | 11/10/10 |
2.15% |
5
Years |
| Goldwater
Bank; Scottsdale, Arizona (AZ) |
12/02/09 |
2.99% |
3
years |
| GMAC Bank
now |
11/06/08 |
5.15% |
5-years |
| Golden Bay Federal Credit Union | 7/25/07 |
4.54% |
5
Years |
| Harris Financial Corp. | |||
| Herigage
Bank NA |
10/04/10 |
2.10% |
5-yr CD |
| HSBC Bank | 9/9/09 |
2.00% |
12
months |
| iGObanking | 10/24/09 |
3.50 |
5
years |
| Imperial
Capital Bank, LaJolla, California (CA) |
8/28/08 |
4.10% |
6
month |
| Indymac
Bank |
12/31/07 |
5.05% |
6
months |
| ING
Direct |
12/15/09 |
2.00% |
1
Year |
| IB:
Innovative Bank |
6/30/09 |
2.15% |
12
Months |
| iGObanking.com
Lake Success, New York (NY) |
2/1/10 |
3.55% |
5
Years |
| Intervest National Bank | 10/24/09 | 3.05% |
4
years |
| J.P.
Morgan Chase & Company |
11/13/07 |
5.25% |
7
months |
| Keycorp | |||
| LA
Financial Credit Union |
03/06/08 |
4.75% |
5
years |
| Lone
Star Bank - Houston, Texas (TX) |
7/28/09 |
3.35% |
4
Years |
| Luther
Burbank Savings |
11/22/07 |
5.10% |
5
Months |
| Marshall & Ilsley Corp. (M&I Bank) | 12/31/07 |
4.00% |
6
Months |
| M&T Bank | 6/24/08 |
4.00% |
3
Years |
| Melrose
Credit Union |
4/5/09 |
3.91% |
5 Years |
| Meriwest
Credit Union |
4/21/08 |
7.50% |
12
Months |
| MetLife Bank of Bridgewater, New Jersey (NJ) | 9/7/09 |
2.15% |
18-months |
| Metropolitan National Bank |
06/14/10 |
2.50 |
3-years |
| Millennium
Bank |
10/17/07 |
8.75% |
5
years |
| National
Bank of Kansas City Missouri (MO) |
1/13/10 |
2.75% |
3-years |
| National City Bank | 5/18/08 |
4.55% |
3
years |
| Nationwide
Bank |
2/1/10 |
2.60 |
3 years |
| Navy
Federal Credit Union |
2/24/09 |
4.60% |
30
Months |
| NetBank | 7/25/07 |
5.40% |
18
Months |
| New Dominion Direct Bank | 3/10/08 |
3.77% |
6
month |
| Nexity
Bank, Birmingham, Alabama (AL) |
1/23/09 |
2.86% |
9
month |
| newDominionDIRECT.com
|
7/6/09 |
2.40% |
24 months |
| Northern Trust Corp. | |||
| Nova
Bank in Philadelphia,
PA |
06/14/10 | 1.75% |
18 Months |
| OnBank,
Oakfield, New York (NY) |
6/13/08 |
4.15% |
2
years |
| Pacific
Mercantile Bank |
12/02/09 |
2.01% |
1 Year |
| Pacific
Premier Bank |
8/28/09 |
2.55% |
2
years |
| PNC
Financial Services Group |
|||
| Pentagon
Federal Credit Union (PenFed CU) |
12/31/07 | 5.25% |
7
Years |
| Popular, Inc. | |||
| Presidential
Bank, FSB of Bethesda, Maryland (MD) |
1/14/09 |
3.25% |
2
Years |
| Rabobank:
Amgen Tour of California Sponsor |
2/21/09 |
2.53% |
1 Year |
| Regions Financial Corp. | |||
| Ridgewood Bank | 7/25/07 |
5.20% |
30
Months (2.5 yrs) |
| Sallie Mae Bank | 5/7/2010 |
3.00% |
5-yrs |
| Saxo Bank -
Amgen Tour of California Team |
|||
| Security Savings Bank | 7/25/07 |
5.20% |
17
Months |
| Star
One Credit Union |
3/11/08 |
2.40% |
1
& 2 Years |
| State Street Corp. | |||
| Stonebridge
Bank |
7/9/10 |
3.0% |
5-years |
| Suntrust
Banks, Inc. |
11/10/10 |
2.00% |
63
Months |
| State
Bank of India, New York, NY & Chicago |
2/1/10 |
1.76% |
1 year |
| State Employees Credit Union Raleigh, NC. | 11/10/10 |
2.50% |
5 yrs |
| Taunus Corp. |
|||
| Tennessee Commerce Bank in Franklin, Tennessee, (TN) | 5/5/10 |
2.10% |
2-years |
| The Golden1 CU | 11/10/10 |
2.15% |
5
Years |
| TriState
Capital Direct - Pittsburgh, Pennsylvania (PA) |
7/28/09 |
2.50% |
2-years |
| UFBDirect.com | 12/15/09 |
1.55% | 6
Month CD |
| UmbrellaBank.com |
9/7/09 |
2.15% |
12
months |
| Union Bank of Calif. | |||
| United
Americas Bank, Atlanta Georgia (GA) |
12/02/09 |
1.60% |
6-months |
| USAA | 9/8/10 |
3.92% |
7-years |
| U.S. Bancorp | |||
| US
Bank |
2/7/10 |
3.10% |
59 Months |
| Vanguard
Valley Forge, Pennsylvania (PA) |
7/25/07 |
5.25% |
Daily
Savings |
| VirtualBank,
Palm Beach Gardens, Florida (FL) |
11/4/08 |
4.45% |
1 Year |
| Wachovia
Bank |
8/28/09 |
1.50% |
19
months |
| Washington
Mutual - WaMu |
7/1/09 |
2.00% |
2-YEARS |
| Wells
Fargo Bank |
9/9/09 |
2.00% |
25
months |
| World
Savings |
11/04/07 |
N/A |
Bought
by Wachovia |
| Zions Bancorporation | |||
| Zions
Direct Salt Lake City, Utah (UT) |
|
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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.) Disclaimer: Annual Percentage Yield accurate as of the day listed and may change without notice. Contact the banks directly to get current rates, fees and terms. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Rates and terms may change so read the fine print and make sure you get FDIC insurance. Warning: Banks and credit unions with high promotion rates to attract new deposits often have high early withdrawal penalties to recover the benefits should you need your money before the agreed upon term. Make sure you read the fine print before making a decision. If you think you might need some of your money before 5 years, for example, then you should consider splitting it into several CDs with multiple terms. Perhaps split the money into 5 CDs with terms of 1, 2, 3, 4 and 5 years. If you don't need the money when the 1 yr CD matures, you can roll it over into a new 5YR CD then do the same each year until you have a ladder of 5YR CDs that mature one per year. US Treasury Rates at a Glance |
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