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You can often get higher than advertised rates at your local branch if you do your homework. Print out the  "Highest CD Rate Survey" and bring it in with you.   Also print out some of the advertisements showing rates advertised on your bank's competing web sites so you have proof.  (Make sure the date shows on your printout so they know it is current.) Rates and terms may change so read the fine print and make sure you get FDIC insurance!!!!  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 chashier's check after you close your CD.

Bottom line: It never hurts to ask the teller if better rates are available when you do your homework!
              
"Highest CD Rates Survey  - Current US Treasury Rates
Term
Date
Highest
Rate (APY)
Where?
(Click link for Full Rate Sheets)
Vanguard Daily
04/27/11 0.07%
Vanguard Prime Money Market Fund
FDIC Daily Savings
04/27/11 1.15%
Best Savings Account Rate Survey 
6 Month CD
04/27/11 1.07%
  Ascencia Internet Bank
1 Year CD
04/27/11 1.26%
 Pacific Mercantile Bank
1 Yr US Treasury
04/27/11 0.20%
US Treasury Rate Quote
18 - Month CD
04/27/11 1.41%
 Pacific Mercantile Bank  
2 Year CD
04/27/11 1.66%
Melrose CU & 1.55% @ MetLife Bank
3 Year CD
04/27/11 2.17%
 Melrose CU 
4 Year CD
04/27/11 2.35%
Tennessee Commerce Bank
5 Year CD
04/27/11 2.93%
Melrose CU 
5 Yr US Treasury
04/27/11 2.07%
US Treasury Rate Quote
7 Year CD
04/27/11 2.75%
  PenFed CU
10 Year CD
04/27/11 3.00%
Discover Bank
10 Yr US Treasury
04/27/11 3.36%
US Treasury Rate Quote
Vanguard Money Market & US Treasury Rates shown for Reference 

Make sure you read the article: Beware of Annuities

Today's Rates - Enter your term and amount then click "Update Results"

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iBonds





Find the best (highest paying) CD rates from this survey.  Top CD Rates:  This is our latest survey of the APY interest rates paid for certificates of deposit by term followed by a list of all banks and credit unions in our database 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 and many more.


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.)  Rates and terms may change at any time.  Contact the listed bank for their current rates.

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.

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