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Very Best CD Rates for 04/27/2011 Home Page for the Highest CD Rates Current: CD Survey - High Yield CD Rates |
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Historical
CD Rates |
Best Savings Account Rates |
iBonds |
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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"
below 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.) 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.
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Rates and terms may
change so read the fine print and make sure you get FDIC
insurance!!!!
Quotes: US Treasury Rate Quotes Graphs: US Treasury Rates at a Glance Make sure you read the article: Beware of Annuities Bottom line: It never hurts to ask the teller if better rates are available when you do your homework! |
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| CDs from Banks You Can Trust |
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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.
|
 |
| 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 |
| AIG
Bank |
11/30/10 |
2.20% |
60 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 |
4/26/11 |
1.51% |
2
yrs |
| 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 Ireland |
11/24/10 |
3.00% |
1-Yr |
| 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 |
| Christian Community Credit Union | 11/15/10 |
2.90 |
5-yrs |
| 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 |
| Incredible Bank | 4/26/11 |
1.30 |
1 year |
| 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 |
2/15/11 |
1.30% |
12
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 |
4/27/11 |
1.26% |
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
Bank |
|||
| 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) | 4/27/11 |
2.15% |
3-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) |
|
| Survey
of
Rates by Term 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.) Definition: A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money. That is you can take money out of the CD before it matures. They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term. They are sort of "half and half" and thus offer rates that are inbetween the two. 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. Article: How to Get the Best CD Rates |
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