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A survey of current CD rates and terms at M&T:  Manufacturers and Traders Trust CompanyView 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.          

M&T:  Manufacturers and Traders Trust Company CD Rates as of 6/23/08
Promotional CD Offers
Term Annual Percentage Yield (APY)2
M&T Select Promo CD - 6 months 2.75 %
M&T Select Promo CD - 12 months 3.35 %
M&T Select Promo CD - 18 months 3.55 %
M&T Select Promo CD - 36 months 4.00 %

2 The minimum deposit required to open the account is $1,000 of money not already on deposit at M&T Bank. After CD is opened, the minimum balance to obtain the advertised APY is $1.00. APYs stated are accurate as of 05/23/2008. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Offer not available for non-personal accounts and may not be available at all M&T Bank branches. Maximum deposit is $1 million per customer. Advertised APYs cannot be combined with any other offer. Rates are subject to change without notice.

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.)

From M&T: 
M&T Bank is considered one of the country's most highly regarded regional banks. We were founded more than 150 years ago in Western New York, where we are still headquartered. Our parent company, M&T Bank Corporation, had over $65 billion in assets as of December 31, 2007 and is one of the 20 largest commercial bank holding companies headquartered in the U.S. Our customers are able to bank at over 700 branches throughout New York, Maryland, Pennsylvania, Washington, D.C., Virginia, West Virginia, New Jersey, and Delaware and be served by friendly and professional staff. In addition, our customers have access to a sizable ATM network of more than 1,600 locations as well as state-of-the-art telephone and Web Banking. M&T Bank is recognized for its financial strength and sound management. This strength, along with our entrepreneurial philosophy, has made it possible for us to pursue a course of well-managed growth.

Article:  How to Get the Best CD Rates

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