Bank Deal Summary for November 18, 2006

Most of the good news for savers this week were in savings accounts. Superior Savings of New England started a new money market account called the Amazing Money Market which pays 5.50% APY for balances over $10K. For those who have had problems with E-LOAN (see post), this may be an alternative without any compromise on rates. Superior doesn't have the automated online features like E-LOAN, but it does have check writing (see post).

Another bit of good news in savings accounts was the launch of the new WTDirect Savings Account with an APY of 5.26%. It's not the highest rate and there is a $10K minimum balance to maintain this rate, but it has some nice features. At the very least it should put pressure on the others to keep the rates high (see post).

Zions Bank is staying very competitive with its Internet Money Market Account. It bumped up the rate on this to 5.30% APY this week. If you want check writing, Zions Deseret Money Market Account would be a good choice. It's similar to the Internet MMA but has some other features including check writing. The top rate for the Deseret is 5.34% APY for balances over $50K. Balances between $1K and $50K earn 5.30% APY (see post).

ETrade Bank finally launched its own no-minimum online savings account with a competitive 5.05% APY. It's called the Complete Savings Account. It has long offered an online money market account, but the rate has never been that great (except for a 3-month promo). This Complete Savings account can be a good account to have along with ETrade's money market or checking account. You can keep most of your money in the savings to earn the high interest, and if you keep over $5K, you won't have to worry about monthly fees in the checking or money market account (see post).

For CD rates this week, the news continued to be bad for savers. CD rates declined at E-LOAN, GMAC Bank and Corus Bank. Also, we saw a huge rate drop on all CDs at Melrose Credit Union. Most rates dropped by more than 50 basis points. Since I first reported on Melrose back in March of this year, they've maintained very high CD rates.

Another disappointment was the news that Agriculture FCU's 16-month CD promo is ending Monday. This "Let it Grow" promo had just come out less than 2 weeks ago. By the look of the promo (winter-like theme), it seemed it was going to last into December. Perhaps the demand was higher than they had expected. Please refer to this post for more info.

National 6% CD deals are not easy to find. There are still a few left. Digital Credit Union is still offering its 6.00% APY 16-month CD special (see post), and Everbank's 6.01% APY 3-month checking account promo is still available (see post). One commenter made the interesting point that it's becoming easier to find better long-term CD deals locally than from these online banks. Seems like the local banks are often slower to react to changing interest rate enviroments than the online banks. For a complete list of these recent local CD deals, refer to my local CD list below. Remember that many of these deals don't last long. Please check if the rate is still active at the bank or credit union's website. If you see that a deal has ended, a comment is much appreciated.

Thanks to all who have helped by leaving comments or sending emails on rate updates. Sorry I can't post on all of your suggestions.

The rates listed below are based on Annual Percentage Yield (APY). No minimum balances are required unless noted. MMA next to the rates indicate a money market account. Most MMAs have check writing and ATM cards. Online savings accounts usually lack both of these. The top lists include banks and credit unions with broad availability and with minimums around $10K or less. Previous weekly summaries are available for Nov 11th, Nov 4th, Oct 28th, Oct 21th, Oct 14th and Oct 7th.

As of November 18, 2006

Savings Accounts/Money Market Accounts:

• E-LOAN - 5.50% ($5K min), my post
• Superior Savings - 5.50% ($10K min), my post
• BankUnited - 5.35% (min $5K), my post
• GMAC Bank - 5.30% MMA (min $500), my post
• AmTrustDirect - 5.30% ($1K min), my post
• Zions Bank - 5.30% (min $1K) (5.34% $50K+), offers 3.05% free checking, my post
• UFB Direct - 5.28%, my post
• Apple Bank - 5.27%, my post
• WTDirect - 5.26% ($10K min), my post
• AmboyDirect - 5.25%, my post ($25 bonus)
• OneUnited - 5.25% (min $10), my post
• Presidential - 5.25% (min $5K, only first $35K receives this rate), offers 4.50% checking, my post
• FirstFedDirect - 5.25% (min $1K) (closed to CA residents), my post
• Countrywide - 5.25% (min $10K), (5.30% $50K+) my post
• CapitalOne/Costco - 5.14% MMA (min $5K, Costco members only, $25 deal for exec. members)
• UmbrellaBank.com - 5.10% MMA (min $1K) (5.15% $5K+), offers checking, my post
• MyBankingDirect - 5.10% MMA (min $5K), my post
• Mutual Bank - 5.10% MMA (min $5K), my post
• Corus Bank - 5.07% MMA (min $10K to open)
• Tennessee Commerce Bank - 5.05% (min $10K), my post
• EmigrantDirect - 5.05%, my post, (rate history)
• HSBC Direct - 5.05%, offers checking (see $25 bonus post), my post
• ETrade Bank - 5.05%, my post ($50 bonus)
• Discover Bank - 5.05% MMA (min $10K)
• Citibank - 5.00%, requires checking account, my post
• Washington Mutual - 5.00% (requires checking), my post
• CapitalOne - 4.80% (MMA has same rate, but with checks and ATM. $100 min.), my post
• Self-Help Credit Union - 4.68% MMA (min $500), my post
• VirtualBank - 4.60% (min $100), (4.86% $50K+/ 5.13% $100K+) offers checking, my post ($20 bonus)
• GE Money - 4.50% (min $4K), (5.05% for $15K+), my post ($25 bonus)
• MetLife Bank - 4.50% MMA (min $5K), my post ($50 bonus)
• EverBank - 4.41% ($1.5K min), 6.01% 3-mo promo, my post
• ING Direct - 4.40%, my post ($25 bonus), (rate history)
• Imperial Capital - 4.20% MMA ($2.5K min), offers free checking, my post
• ebank - 4.00% MMA ($1K min, rate for $10K-25K balance), offers checking
• NetBank - 3.61% MMA ($500 min), requires checking, my post ($250 deal)

3-Month Certificates of Deposit:

• EverBank - 6.01% ($1.5K min), checking account promo, see post
• VirtualBank - 5.56% (min $10K), my post
• World Savings - 5.51% (4 months) (min $10K), my post
• Imperial Capital - 5.50%, ($2K min), my post
• IndyMac Bank - 5.45% (min $5K), my post
• Countrywide - 5.30% (min $10K), my post
• FirstFedDirect - 5.26% (min $10K), my post
• GMAC Bank - 5.25% (min $500), my post
• UFB Direct - 5.25% (min $8K)
• Charles Schwab - 5.14% (min $1K), my post
• UmbrellaBank.com - 5.10% (min $1K)
• Corus Bank - 5.07% (min $10K)
• Self-Help Credit Union - 5.00% (min $500), my post
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• ETrade Bank - 5.00% (min $1K), my post

6-Month Certificates of Deposit:

• NASA FCU - 5.80% (min $15K), my post
• Superior Savings - 5.60% (min $500)
• Imperial Capital - 5.55%, ($2K min), my post
• AmTrustDirect - 5.51% (min $1K) my post
• FirstFedDirect - 5.51% (min $10K), my post
• IndyMac Bank - 5.50% (min $5K), my post
• Corus Bank - 5.50% (min $10K)
• E-LOAN - 5.45% ($10K min), my post
• World Savings - 5.45% (5 months) (min $10K), branch-only, my post
• Countrywide - 5.35% (min $10K), my post
• GMAC Bank - 5.35% (min $500), my post
• ETrade Bank - 5.30% (min $1K), my post
• UFB Direct - 5.30% (min $8K)
• Citibank - 5.25% (min $500), my post
• EverBank - 5.25% ($1.5K min)
• NetBank - 5.25% (min $1K)
• EmigrantDirect - 5.20% (min $1K)
• UmbrellaBank.com - 5.20% (min $1K)
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• ING Direct - 5.00%, my post
• Wells Fargo - 4.90% (5 months) (min $5K), rate and min vary by state, my post
• MetLife Bank - 4.90% ($1K min)
• VirtualBank - 4.86% (min $10K), my post
• Self-Help Credit Union - 5.27% (min $500), my post

9-Month Certificates of Deposit:

• Patelco Credit Union - 5.75% ($1K min) (8 months), not NCUA insured, my post
• FirstFedDirect - 5.55% (min $10K), my post
• AmTrustDirect - 5.51% (min $1K) my post
• Countrywide - 5.50% (min $10K), my post
• Imperial Capital - 5.40% ($2K min), my post
• VirtualBank - 5.39% (min $10K), my post
• UmbrellaBank.com - 5.35% (min $1K)
• GMAC Bank - 5.30% (min $500), my post
• IndyMac Bank - 5.25% (min $5K), my post
• EmigrantDirect - 5.20% (min $1K)
• EverBank - 5.15% ($1.5K min)
• ING Direct - 5.05%, my post
• Washington Mutual - 5.00% (min $1K)

12-Month Certificates of Deposit:

• GTE FCU - 5.64% (min $500) (add-on feature) my post
• FirstFedDirect - 5.64%, (min $10K) my post
• AmTrustDirect - 5.60% (min $1K) my post
• E-LOAN - 5.50% ($10K min), my post
• Corus Bank - 5.50% (min $10K)
• La Jolla Bank - 5.55% (min $10K), my post
• Digital CU - 5.50% (11 month) (min $1K), my post
• Transportation Alliance Bank - 5.48% ($1K min)
• UmbrellaBank.com - 5.40% (min $1K)
• Imperial Capital - 5.40% ($2K min), my post
• Mutual Bank - 5.35% (min $2.5K) my post
• Countrywide - 5.30% (min $10K)
• ETrade Bank - 5.30% (min $1K), my post
• IndyMac Bank - 5.30% (min $5K), my post
• GMAC Bank - 5.30% (min $500), my post
• NetBank - 5.30% (min $1K), my post ($100 bonus)
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• UFB Direct - 5.25% (min $8K)
• EverBank - 5.25% ($1.5K min)
• EmigrantDirect - 5.20% (min $1K)
• MetLife Bank - 5.15% ($1K min)
• ING Direct - 5.10%, my post
• Self-Help Credit Union - 5.22% (min $500), my post
• Melrose CU - 5.09% (min $5K) my post
• VirtualBank - 4.60% (min $10K), my post

16-Month Certificates of Deposit:

• Agriculture FCU - 6.10% (min $25K), Ending on Nov 20th, my post
• Digital CU - 6.00% (min $500), my post

18-Month Certificates of Deposit:

• E-LOAN - 5.45% ($10K min), my post
• Mutual Bank - 5.40% (min $5K) my post
• AmTrustDirect - 5.33% (min $1K) my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• GMAC Bank - 5.20% (min $500)
• CapitalOne/Costco - 5.16% (min $5K, Costco members only)
• ETrade Bank - 5.15% (min $1K), my post
• Imperial Capital - 5.10% ($2K min), my post
• Countrywide - 5.10% (min $10K)

36-Month Certificate of Deposit:

• Mutual Bank - 5.60% (min $5K) my post
• First State Bank - 5.50% ($1K min), my post
• Fort Belvoir FCU - 5.48% (min $1K), my post
• Transportation Alliance Bank - 5.46% ($1K min)
• Pentagon Federal CU - 5.31% (min $1K), my post
• E-LOAN - 5.30% ($10K min), my post
• Agriculture FCU - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• AmTrustDirect - 5.21% (min $1K) my post
• Melrose CU - 5.20% (min $5K) my post
• GMAC Bank - 5.15% (min $500)
• ETrade Bank - 5.00% (min $1K), my post
• Imperial Capital - 5.00% ($2K min), my post
• Countrywide - 5.00% (min $10K)
• Self-Help Credit Union - 4.98% (min $500), my post
• Washington Mutual - 4.75% (min $1K)

48-Month Certificate of Deposit:

• Fort Belvoir FCU - 5.59% (min $1K), my post
• First State Bank - 5.50% ($1K min), my post
• Transportation Alliance Bank - 5.42% ($1K min)
• E-LOAN - 5.30% ($10K min), my post
• USA FCU - 5.33% (min $1K) my post
• Pentagon Federal CU - 5.32% (min $1K), my post
• Agriculture FCU - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• Melrose CU - 5.25% (min $5K) my post
• GMAC Bank - 5.15% (min $500)
• Countrywide - 5.00% (min $10K)
• Self-Help Credit Union - 4.97% (min $500), my post
• Washington Mutual - 4.75% (min $1K)

60-Month Certificate of Deposit:

• Fort Belvoir FCU - 5.75% (min $1K), my post
• Navy FCU - 5.70% ($20K min) restrictions to membership, my post
• Agriculture FCU - 5.65% (min $1K), my post
• Members Credit Union - 5.59% (min $2K), my post
• First State Bank - 5.50% ($1K min), my post
• Transportation Alliance Bank - 5.42% ($1K min)
• Pentagon Federal CU - 5.32% (min $1K), my post
• Melrose CU - 5.30% (min $5K) my post
• E-LOAN - 5.30% ($10K min), my post
• AmTrustDirect - 5.27% (min $1K) my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• GMAC Bank - 5.15% (min $500)
• VirtualBank - 5.15% (min $10K), my post
• Imperial Capital - 5.00% ($2K min), my post
• ETrade Bank - 5.00% (min $1K), my post
• Countrywide - 5.00% (min $10K)
• Self-Help Credit Union - 4.97% (min $500), my post

84-Month Certificate of Deposit:

• Navy FCU - 6.00% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.32% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• CapitalOne/Costco - 5.16% (min $5K, Costco members only)
• Countrywide - 5.00% (min $10K)

High Rates with Conditions - Open to All

• 10% Savings Account for kids ($500 max)
• 6.01% 3-month intro rate on checking account
• 6.00% 3-month intro rate on Money Market account
• 5.58% Money Market Account with $250K initial deposit
• 5.40% Money Market Account with $25K min
• 5.36% Money Market Account at Bank of America with $50K+
• 5.25% Money Market Account with $25K min

Checking and Saving Accounts at Local Banks/Credit Unions

• 6.00% Checking Account up to $25k (Arkansas)
• 5.50% Money Market Account for 3 months (New York)
• 5.50% Money Market Account for 3 months at Banco Popular (CA)
• 5.25% Checking Account (Florida)
• 5.25% Money Market Account (Utah)
• 5.25% no-min online savings account and $50 Bonus (New York)
• 5.25% low-minimum online savings account (California)
• 5.15% Savings Account (Massachusetts)
• 5.11% Money Market Account (Wisconsin)
• 5.00% Money Market Account (Washington State)
• 5.10% savings account (Pennsylvania)
• 5.01% Checking Account (Wisconsin/Illinois)
• 4.75% Checking Account (Texas)

CD Specials at Local Credit Unions/Banks Over the Last Two Months

Terms of 60 Months and Over

• 6.67% 60-Month CD at a Ohio CU - $100K+ (Dayton Firefighters FCU)
• 6.37% 60-Month CD at a Maryland CU (MCT)
• 6.33% 60-Month CD at a North Carolina CU (Team and Wheel)
• 6.27% 60-Month CD at a New Jersey CU - IRA (Hamilton Horizons)
• 6.22% 60-Month CD at a California CU (Tucoemas)
• 6.20% 60-Month CD at a Massachusetts CU (Central One FCU)
• 6.17% 60-Month CD at a Washington State CU (Spokane City)
• 6.14% 60-Month CD at a Ohio CU (Cintel)
• 6.14% 120-Month CD at a Puerto Rico CU (VAPR)
• 6.01% 60-Month CD at a Texas CU (Texhillco)
• 6.00% 60-Month CD at a New Jersey CU (Paragon)
• 6.00% 84-Month CD at a Multi-State CU (Navy Federal)
• 6.00% 60-Month CD at a Ohio/Kentucky CU (Cinfed)
• 5.98% 60-Month CD at a Texas CU (Coastal Community and Teachers)
• 5.90% 60-Month CD at a Michigan CU (Schools and Government)
• 5.88% 60-Month CD at a Wyoming CU (First Education)
• 5.85% 60-Month CD at a New York Bank (First Central Savings)
• 5.83% 60-Month CD at a Arizona CU (Honeywell Aerospace)
• 5.80% 72-Month CD at a Pennsylvania Bank (Armstrong County)
• 5.80% 60-Month CD at a MI/AL/MO CU (Service 1)
• 5.75% 60-Month CD at a Wisconsin Bank (Cashton)
• 5.75% 60-Month CD at a Florida CU (Bay Gulf)

Terms of 24 Months to Under 60 Months

• 6.66% 36-Month CD at a Virginia CU (Loudoun)
• 6.43% 36-Month CD at a Alabama CU (Energon)
• 6.17% 48-Month CD at a Maryland CU (MCT)
• 6.17% 36-Month CD at a Maryland Bank - $100K Min (CommerceFirst)
• 6.16% 14-Month CD at a Alabama CU (Energon)
• 6.14% 24-Month CD at a Missouri CU (Raytown-Lee Summit Community)
• 6.11% 24-Month CD at a California CU
• 6.11% 30-Month CD at a California CU (Tucoemas)
• 6.01% 30-Month CD at a Florida CU (SCORE FCU)
• 6.00% 24-Month CD at a New York CU - $50K Min (Palisades)
• 6.00% 36-Month CD at a Massachusetts CU (Central One FCU)
• 6.00% 40-Month CD at a Ohio CU (Glass City FCU)
• 6.00% 59-Month CD at a North Dakota CU (Town and Country)
• 5.88% 48-Month CD at a California CU (Butte)
• 5.85% 40-Month CD at a Michigan CU (Schools and Government)
• 5.82% 36-Month CD at a Ohio CU (Cintel)
• 5.75% 24-Month CD at a Texas CU (Texas Champions)
• 5.75% 36-Month CD at a North Dakota CU (Dakota Plains)

Terms of 12 Months to Under 24 Months

• 10.00% 12-Month CD at a New York CU - $2K Max (Palisades)
• 10.00% 12-Month CD at a South Carolina CU - $1K Max (Carolina Trust)
• 10.00% 12-Month CD at a Florida Bank - $1K Max (Atlantic Coast)
• 6.70% 14-Month CD at a Louisiana CU (NAS JRB)
• 6.35% 15-Month CD at a California CU (Alisos)
• 6.14% 18-Month CD at a Wichita, Kansas CU (Campus Credit Union)
• 6.07% 13-Month CD at a LA Credit Union (Financial Partners)
• 6.05% 19-Month CD at a Minnesota CU - $100K Min (Star Choice)
• 6.01% 12-Month CD at a Chicago Bank and 5.01% Checking (Standard Bank and Trust)
• 6.00% 12-Month CD at a Arizona CU (Canyon State)
• 6.00% 12-Month CD at a Missouri Bank (WestBridge)
• 6.00% 15-Month CD at a South Carolina CU (MCAS Beaufort)
• 6.00% 12-Month CD at a Dallas Bank - $125k min (ViewPoint)
• 6.00% 12-Month CD at a California/Nevada CU (1st United Services)
• 6.00% 13-Month CD at a Colorado CU (Ent)
• 6.00% 15-Month CD at a Illinois CU (Northwest Community)
• 6.00% 13-Month CD at a Pennsylvania CU (Clearview)
• 6.00% 13-Month CD at a Washington State CU (Quimper Community)
• 6.00% 12-Month CD at a Texas CU (Dallas)
• 6.00% 12-Month CD at a Montana CU (Lincoln County)
• 6.00% 12-Month CD at a Dallas Bank - $125k min (ViewPoint)
• 6.00% 15-Month CD at a TX/CO Credit Union (Security Service)
• 6.00% 12-Month CD at a California CU (Ventura County)
• 5.97% 21-Month CD at a Massachusetts CU (NMTW)
• 5.95% 12-Month CD at a Georgia Bank (Patriot Bank)
• 5.92% 12-Month CD at a California CU (Kerns Schools)
• 5.92% 13-Month CD at a Tampa Florida CU
• 5.90% 12-Month CD at a Texas CU - $95K Min (Tarrant County)
• 5.90% 23-Month CD at a Minnesota CU (Honeywell)
• 5.88% 12-Month CD at a South Florida Bank (Sun American)
• 5.80% 12-Month CD at a Florida Bank (Freedom Bank)
• 5.75% 13-Month CD at a Ohio CU, plus $75 Checking Bonus (Telhio)
• 5.75% 14-Month CD at a Michigan CU (Priority Community)
• 5.75% 18-Month CD at a Miami CU (MPS)
• 5.75% 18-Month CD at a New York Bank (Park Avenue)
• 5.75% 12-Month CD at a California Credit Union (LA Times FCU)
• 5.75% 21-Month CD at a Indiana CU (Afena)
• 5.65% 12-Month CD at a California Bank (Western Financial)

Terms of Under 12 Months

• 10.00% 7-Month CD at a North Carolina Bank - $2K Max (Oak Ridge)
• 10.00% 10-Month CD at a Philadelphia CU - $1K Max (American Heritage)
• 10.00% 10-Month CD at a Texas CU - $2.5K Max (Alamo FCU)
• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 8.30% 8-Month CD at a Arizona CU - $8K Max (Arizona Holsum)
• 7.55% 3-Month CD at a California CU - $50K Max (Health Associates)
• 7.00% 7-Month CD at a Houston CU - $7K Max (MemberSource)
• 6.35% 6-Month CD at a Virginia CU (Beach Municpal)
• 6.30% 11-Month CD at a Maryland/DC/Philly CU (FedChoice)
• 6.17% 6-Month CD at a Virginia CU (Martinsville DuPont)
• 6.15% 6-Month CD at a San Antonio, Texas CU
• 6.14% 6-Month CD at a Ohio CU (Maumee Valley)
• 6.11% 8-Month CD at a Florida CU (Kennedy Space Center)
• 6.03% 6-Month CD at a Oregon CU (Clackamas Community)
• 6.00% 3-Month CD at a Virginia CU (Apple FCU)
• 6.00% 6-Month CD at a California CU (SESLOC)
• 6.00% 3-Month CD at a Connecticut CU (American Eagle)
• 6.00% 6-Month CD at a Connecticut CU (American Eagle)
• 6.00% 7-Month CD at a Oregon/Washington CU (First Tech)
• 6.00% 6-Month CD at a Missouri Bank (WestBridge)
• 6.00% 6-Month CD at a Hawaii CU (West Oahu Community)
• 6.00% 11-Month CD at a Massachusetts CU (MIT FCU)
• 6.00% 7-Month CD at a New Jersey/North Carolina CU (Proponent)
• 6.00% 6-Month CD at a Wisconsin CU (Fond du Lac)
• 6.00% 9-Month CD at a Baltimore Maryland CU (John Hopkins)
• 6.00% 4-Month CD at a Washington DC CU (HEW)
• 6.00% 10-Month CD at a Washington DC CU (HEW)
• 6.00% 7-Month CD at a New York/Pennsylvania CU (First Heritage)
• 6.00% 7-Month CD at a Connecticut CU (Dutch Point)
• 6.00% 7-Month CD at a North Dakota CU (North Star)
• 6.00% 6-Month CD at a Ohio CU (Toledo Area)
• 6.00% 6-Month CD at a New Jersey CU (Atlantic Health)
• 6.00% 3-Month CD at a New York CU (Advantage)
• 6.00% 6-Month CD at a Michigan CU (Huron River Area)
• 6.00% 5-Month CD at a Arizona Bank (Arizona Bank and Trust)
• 6.00% 6-Month CD at a Illinois/New Jersey/Indiana CU (Selfreliance)
• 5.90% 6-Month CD at a New York CU (Cornerstone)
• 5.90% 9-Month CD at a Georgia CU (Georgia Power)
• 5.90% 10-Month CD at a Georgia Bank (Integrity)
• 5.85% 6-Month CD at a Tennessee CU (Eastman)
• 5.85% 6-Month CD at a California/Nevada CU (1st United Services)
• 5.85% 9-Month CD at a North Dakota CU - (First Community)
• 5.80% 9-Month CD at a Georgia Bank (Seasons)
• 5.80% 8-Month CD at a California CU (San Francisco FCU)
• 5.80% 11-Month CD at a Colorado CU (Bellco)
• 5.75% 7-Month CD at a Oregon CU (Rivermark)
• 5.75% 7-Month CD at a Alabama CU (First Educators)
• 5.75% 11-Month CD at a New York CU (Capital Communications)
• 5.75% 9-Month CD at a Rhode Island CU (Wave)
• 5.75% 7-Month CD at a Oregon CU (SELCO)
• 5.75% 6-Month CD at a New York Bank (Park Avenue)
• 5.70% 7-Month CD at a Kansas Bank (Equity)
• 5.65% 7-Month CD at a California Bank (First Private)

Savings Account/CD Alternatives

• Money Magazine article on risk-free investments
• Fidelity Money Market Fund - 4.98% 7-day yield ($100 bonus and other info)
• Paypal Money Market Fund - 5.03% 7-day yield (1% cashback debit MasterCard)
• FW Thread on Treasury Bills
• I Bond Rate Starting Nov 2006, I Bond Article, I Bonds as CD Alternatives
• SmartMoney Brokerage Survey