Bank Deals Weekly Summary for February 10, 2007

A few banks seem to be trying to counter HSBC's 6% savings account promo (see post) with their own promotions. Citibank has been heavily advertising a $25 sign-up bonus for its e-Savings Account (Note, you may be able to get up to $200 in bonuses. See post), and ETrade Bank just started a $25 signup bonus for its Complete Savings Account (see post). ETrade seems intent to gain market share in online banking. They must have spent some major dollars for their Super Bowl commercials last Sunday (see commercial).

In terms of rates, this was a slow week with little change. UFB Direct increased its long-term CD rates including a 5 percentage point increase on its 12-month CD to 5.35% APY. Imperial Capital Bank dropped its short-term CD rates, but raised its long-term CD rates up to 20 percentage points.

As expected, Navy FCU came out with their 6% APY 15-month CD promotion (see post). If you have any connection to the Navy, you may be eligible to join. However, several readers have commented that their Navy connections were not good enough.

If you are unable to join Navy FCU, you may want to try Huron River Area Credit Union which came out with a 6% APY 12-month CD (see post). You can be eligible to join this credit union by joining an association open to all. Another credit union with easy membership rules is offering a 12-month CD with a yield close to 6%. MACO Educators FCU is offering a 5.96% APY 12-month CD (see post). Both of these credit unions are much smaller than Navy FCU and don't have the extensive customer service support system and easy online account opening process. Nevertheless, both are NCUA insured.

Even though Patelco Credit Union isn't NCUA insured, its size is more in the league of Navy FCU. Patelco came out with another CD promotion that offers a 5.75% APY for a 14-month term. The 5.64% APY 12-to-23 month CDs and the 5.75% 12-to-23 month IRA CDs are still available (see post).

For those in Southern California, Wescom Credit Union has a nice CD special promoting its new Sunday hours. For the next four Sundays, Wescom is offering a 7% APY 7-month CD with a maximum allowed deposit of $7K. It's almost like a checking account bonus since it requires that you open its Premium Interest Checking Account (see post).

There's another good local deal this week for those in Northern Nevada. Clearstar Financial Credit Union is offering a 6.10% APY checking account good for balances up to $25K. It's another one of these reward checking accounts which requires monthly debit card usage and direct deposit. If these requirements are not too much hassle for you, this can be a good deal (see post).

For more local deals, please refer to the local CD list. Many of these deals don't last long. Please check with the bank or credit union's website to confirm availability. If you find any that are out-of-date, a comment would be 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 Feb 3rd, Jan 27th, Jan 20th, Jan 13th, Jan 6th, Dec 30th, Dec 23rd (short version) and Dec 16th.

As of February 10, 2007

Savings Accounts/Money Market Accounts:

• Geauga Savings Bank - 5.45% ($25K min), see post
• BankUnited - 5.35% (min $5K), my post
• UFB Direct - 5.31%, my post
• iGobanking - 5.30%, my post
• Zions Bank - 5.30% MMA (min $1K) (5.34% $50K+), my post
• AmTrustDirect - 5.30% ($1K min), my post
• OneUnited - 5.30% (min $1K), my post
• Direct Huntington - 5.30% ($1K min), my post
• Apple Bank - 5.27%, my post
• WTDirect - 5.26% ($10K min), my post
• E-LOAN - 5.25% ($5K min), my post
• AmboyDirect - 5.25% (5.35% for $20K+), my post ($25 bonus)
• Presidential Bank - 5.25% (min $5K, only first $35K receives this rate), offers 4.50% checking, my post
• Countrywide - 5.25% (min $10K), (5.40% $50K+) my post
• CapitalOne/Costco - 5.20% MMA (min $5K, Costco members only, $25 deal for exec. members)
• FirstFedDirect - 5.16% (min $1K) (closed to CA residents), my post
• Discover Bank - 5.14% MMA (min $10K)
• Corus Bank - 5.13% MMA (min $10K to open)
• MyBankingDirect - 5.10% MMA (min $5K), my post
• Mutual Bank - 5.10% MMA (min $5K), my post
• Tennessee Commerce Bank - 5.07% (min $10K), my post
• EmigrantDirect - 5.05%, my post, (rate history)
• HSBC Direct - 5.05%, (6% new money promo) offers checking, my post
• ETrade Bank - 5.05%, my post ($25 bonus)
• Washington Mutual - 5.00% (requires checking), my post
• ebank - 5.00% Checking ($2.5K min), my post
• CapitalOne - 5.00% (MMA has same rate, but with checks and ATM. $100 min.), my post
• GMAC Bank - 5.00% MMA (min $500), my post
• UmbrellaBank.com - 5.00% MMA (min $1K) (5.15% $50K+), offers checking, my post
• Citibank - 4.75%, requires checking account, my post ($200 bonus)
• Self-Help Credit Union - 4.68% MMA (min $500), my post
• EverBank - 4.61% ($1.5K min), 6.01% 3-mo promo, my post
• VirtualBank - 4.60% (min $100), (4.86% $50K+/ 5.13% $100K+) offers checking, my post ($20 bonus)
• ING Direct - 4.50%, my post ($25 bonus), (rate history)
• GE Money - 4.50% (min $4K), (5.05% for $15K+), my post ($25 bonus)
• MetLife Bank - 4.40% MMA (min $5K), my post ($50 bonus)
• Imperial Capital - 4.20% MMA ($2.5K min), offers free checking, my post
• NetBank - 3.75% 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 - 5.44% (min $10K), my post
• IndyMac Bank - 5.30% (min $5K), my post
• UFB Direct - 5.30% (min $8K)
• Countrywide - 5.30% (min $10K), my post
• Imperial Capital - 5.30%, ($2K min), my post
• FirstFedDirect - 5.26% (min $10K), my post
• GMAC Bank - 5.15% (min $500), my post
• Corus Bank - 5.13% (min $10K)
• Charles Schwab - 5.09% (min $1K), my post
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• ETrade Bank - 5.00% (min $1K), my post
• UmbrellaBank.com - 5.00% (min $1K)
• Self-Help Credit Union - 4.98% (min $500), my post

6-Month Certificates of Deposit:

• Superior Savings - 5.60% (min $500)
• FirstFedDirect - 5.46% (min $10K), my post
• IndyMac Bank - 5.45% (min $5K), my post
• VirtualBank - 5.44% (min $10K), my post
• NetBank - 5.40% (min $1K)
• AmTrustDirect - 5.36% (min $1K) my post
• Tennessee Commerce Bank - 5.35% (min $5K)
• Corus Bank - 5.35% (min $10K)
• World Savings - 5.35% (7 months) (min $10K), branch-only, my post
• Imperial Capital - 5.35%, ($2K min), my post
• iGobanking - 5.30% (min $500), my post
• Countrywide - 5.30% (min $10K), my post
• UFB Direct - 5.30% (min $8K)
• Self-Help Credit Union - 5.28% (min $500), my post
• HSBC Direct - 5.25% (min $1K), new money only
• ETrade Bank - 5.25% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• GMAC Bank - 5.20% (min $500), my post
• EverBank - 5.15% ($1.5K min)
• E-LOAN - 5.15% ($10K min), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• UmbrellaBank.com - 5.10% (min $1K)
• Washington Mutual - 5.10% (min $1K), rates vary by state
• ING Direct - 5.00%, my post
• Wells Fargo - 4.80% (5 months) (min $5K), rate and min vary by state, my post

9-Month Certificates of Deposit:

• World Savings - 5.45% (10 months) (min $10K), my post
• FirstFedDirect - 5.41% (min $10K), my post
• AmTrustDirect - 5.41% (min $1K) my post
• Countrywide - 5.40% (min $10K), my post
• Imperial Capital - 5.35% ($2K min), my post
• NASA FCU - 5.25% (8 months) (min $5K), my post
• GMAC Bank - 5.25% (min $500), my post
• IndyMac Bank - 5.20% (min $5K), my post
• EmigrantDirect - 5.20% (min $1K)
• VirtualBank - 5.18% (min $10K), my post
• EverBank - 5.15% ($1.5K min)
• UmbrellaBank.com - 5.15% (min $1K)
• ING Direct - 5.05%, my post

12-Month Certificates of Deposit:

• Huron River Area Credit Union - 6.00% ($5K min), my post
• Patelco Credit Union - 5.64% ($1K min), not NCUA insured, my post
• AmTrustDirect - 5.46% (min $1K) my post
• NetBank - 5.45% (min $1K), my post ($100 bonus)
• Tennessee Commerce Bank - 5.40% (min $5K)
• ETrade Bank - 5.40% (min $1K), my post
• UFB Direct - 5.35% (min $8K)
• Imperial Capital - 5.35% ($2K min), my post
• FirstFedDirect - 5.35%, (min $10K) my post
• IndyMac Bank - 5.35% (min $5K), my post
• AmboyDirect - 5.35% (min $10K), my post
• Navy FCU - 5.30% ($20K min) restrictions to membership, my post
• EverBank - 5.30% ($1.5K min)
• Corus Bank - 5.30% (min $10K)
• iGobanking - 5.30% (min $500), my post
• Melrose CU - 5.30% (min $5K) my post
• La Jolla Bank - 5.30% (min $10K), my post
• GMAC Bank - 5.30% (min $500), my post
• Self-Help Credit Union - 5.28% (min $500), my post
• Transportation Alliance Bank - 5.27% ($1K min)
• Mutual Bank - 5.25% (min $2.5K) my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• EmigrantDirect - 5.20% (min $1K)
• Countrywide - 5.20% (min $10K)
• UmbrellaBank.com - 5.20% (min $1K)
• VirtualBank - 5.15% (min $10K), my post
• E-LOAN - 5.15% ($10K min), my post
• ING Direct - 5.10%, my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• GTE FCU - 4.96% (min $500) (add-on feature) my post

14/15-Month Certificates of Deposit:

• Navy FCU - 6.00% ($8K min) restrictions to membership, my post
• Patelco Credit Union - 5.75% ($1K min), not NCUA insured, my post
• NASA FCU - 5.35% (14 months) (min $1K), my post

18-Month Certificates of Deposit:

• Patelco Credit Union - 5.64% ($1K min), not NCUA insured, my post
• NetBank - 5.45% (min $1K), my post ($100 bonus)
• iGobanking - 5.30% (min $500), my post
• GMAC Bank - 5.25% (min $500)
• Imperial Capital - 5.20% ($2K min), my post
• EmigrantDirect - 5.20% (min $1K)
• Countrywide - 5.20% (min $10K)
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• AmTrustDirect - 5.15% (min $1K) my post
• E-LOAN - 5.15% ($10K min), my post
• ETrade Bank - 5.00% (min $1K), my post
• Mutual Bank - 4.85% (min $5K) my post
• UmbrellaBank.com - 4.75% (min $1K)

36-Month Certificate of Deposit:

• Pentagon Federal CU - 5.50% (min $1K), my post
• Navy FCU - 5.45% ($20K min) restrictions to membership, my post
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• First State Bank - 5.35% ($1K min), my post
• Mutual Bank - 5.30% (min $5K) my post
• Agriculture FCU - 5.25% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• Melrose CU - 5.20% (min $5K) my post
• E-LOAN - 5.20% ($10K min), my post
• Transportation Alliance Bank - 5.15% ($1K min)
• GMAC Bank - 5.15% (min $500)
• Fort Belvoir FCU - 5.13% (min $1K), my post
• Imperial Capital - 5.10% ($2K min), my post
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• Self-Help Credit Union - 5.02% (min $500), my post
• AmTrustDirect - 5.00% (min $1K) my post
• ETrade Bank - 5.00% (min $1K), my post
• Countrywide - 5.00% (min $10K)
• UmbrellaBank.com - 4.75% (min $1K)

48-Month Certificate of Deposit:

• Pentagon Federal CU - 5.50% (min $1K), my post
• Navy FCU - 5.50% ($20K min) restrictions to membership, my post
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• First State Bank - 5.35% ($1K min), my post
• USA FCU - 5.33% (min $1K) my post
• Agriculture FCU - 5.25% (min $1K), my post
• Melrose CU - 5.25% (min $5K) my post
• Fort Belvoir FCU - 5.23% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• E-LOAN - 5.20% ($10K min), my post
• Transportation Alliance Bank - 5.15% ($1K min)
• GMAC Bank - 5.15% (min $500)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• Self-Help Credit Union - 5.01% (min $500), my post
• Countrywide - 5.00% (min $10K)
• UmbrellaBank.com - 4.75% (min $1K)

60-Month Certificate of Deposit:

• Pentagon Federal CU - 5.75% (min $1K), my post
• Navy FCU - 5.70% ($20K min) restrictions to membership, my post
• Agriculture FCU - 5.50% (min $1K), my post
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• Fort Belvoir FCU - 5.39% (min $1K), my post
• USA FCU - 5.38% (min $1K) my post
• First State Bank - 5.35% ($1K min), my post
• Presidential Bank - 5.35% (min $1K)
• Melrose CU - 5.30% (min $5K) my post
• EmigrantDirect - 5.20% (min $1K)
• GMAC Bank - 5.20% (min $500)
• E-LOAN - 5.20% ($10K min), my post
• Transportation Alliance Bank - 5.15% ($1K min)
• VirtualBank - 5.15% (min $10K), my post
• Members Credit Union - 5.13% (min $2K), my post
• Imperial Capital - 5.10% ($2K min), my post
• AmTrustDirect - 5.10% (min $1K) my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• ETrade Bank - 5.05% (min $1K), my post
• Self-Help Credit Union - 5.02% (min $500), my post
• ebank - 5.00% (min $1K), 5.35% for ePremium checking customers
• Countrywide - 5.00% (min $10K)
• UmbrellaBank.com - 4.75% (min $1K)

84-Month Certificate of Deposit:

• Navy FCU - 6.25% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 6.00% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• Countrywide - 5.00% (min $10K)

High Rates with Conditions / Large Balances - Open to All

• 10% Affinity Savings Account for kids ($500 max)
• 6.01% Everbank 3-month intro rate on checking account
• 6.00% HSBC Savings Account New Money Promo
• 6.00% Dime 3-month intro rate on Money Market account
• 5.60% Money Market Account with $250K initial deposit
• 5.40% Personal and Business Money Market Account with $100K balance
• 5.36% Money Market Account at Bank of America with $50K+

Checking and Saving Accounts at Local Banks/Credit Unions

• $250 Checking Account Bonus at South Carolina Federal
• $7.50% Checking/Savings Account up to $500 (Washington State)
• 6.10% Reward Checking Account at a Nevada CU (Clearstar Financial)
• 6.01% Checking Account up to $25K (Little Rock)
• 6.01% Checking Account up to $25k (Arkansas)
• 6.00% Money Market Account Intro Rate in New Jersey
• 5.61% Checking Account up to $25K (AL/TN/MS)
• 5.35% No-Minimum Online Savings Account (New York)
• 5.25% Money Market Account for 3 months (New York)
• 5.25% Checking Account (Florida)
• 5.05% Low-Minimum Online Savings Account (California)
• 5.01% Checking Account (Wisconsin/Illinois)
• 5.00% Money Market Account (Utah)
• 5.00% Checking Account at an Oklahoma Bank (Legacy)
• 4.75% Checking Account (Texas)

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

Terms of 60 Months and Over

• 6.25% 120-Month CD at a New York Bank (Ridgewood Savings)
• 6.06% 60-Month CD at a Tennessee CU (MPD Community)
• 6.00% 80-Month CD at a Ohio CU (Sharefax)
• 5.90% 72-Month CD at a Missouri Bank (Garden City)
• 5.83% 60-Month CD at a Florida Bank (Surety)
• 5.81% 60-Month CD at a Utah CU (Deseret First)
• 5.75% 60-Month CD at a Georgia Bank (Peachtree)
• 5.70% 84-Month CD at a Missouri CU (Neighbors)
• 5.65% 60-Month CD at a Georgia Bank (Alpha)
• 5.50% 60-Month CD at a Washington DC Bank (Adams National)

Terms of 24 Months to Under 60 Months

• 6.98% 36-Month CD at a California Bank - Variable IRA (Alliance Bank)
• 6.15% 24-Month CD at a Florida CU (South Florida)
• 6.00% 24-Month CD at a New York CU - $50K Min (Palisades)
• 5.97% 24-Month CD at a California CU (Los Angeles)
• 5.80% 24-Month CD at a Georgia CU (MACO Educators)
• 5.80% 24-Month CD at a Massachusetts CU (Central One FCU)
• 5.80% 41-Month CD at a New Jersey CU (Tri-Co)
• 5.75% 24-Month CD at a Virginia CU (Bronco)
• 5.75% 24-Month CD at a Texas CU (United SA)
• 5.75% 24-Month CD at a New York CU (Buffalo Metropolitan)
• 5.64% 24-Month CD at a Ohio CU (Sharefax)
• 5.64% 35-Month CD at a Virginia CU (Baylands)
• 5.55% 27-Month CD at a New Jersey CU (Tri-Co)
• 5.50% 36-Month CD at a St. Louis CU (Gateway Metro)

Terms of 12 Months to Under 24 Months

• 10.00% 12-Month CD at a New York CU - $2K Max (Palisades)
• 6.35% 15-Month CD at a California CU (Alisos)
• 6.30% 14-Month CD at a Virginia CU - IRA (Apple)
• 6.25% 12-Month CD at a Multistate CU (Farmers Insurance Group)
• 6.05% 13-Month CD at a Florida CU (South Florida)
• 6.00% 12-Month CD at a Michigan CU (Huron River Area)
• 6.00% 13-Month CD at a Illinois CU - IRA (Great Lakes)
• 6.00% 15-Month CD at a Connecticut CU - IRA (Achieve Financial)
• 6.00% 18-Month CD at a Minnesota Bank - IRA (Park State)
• 6.00% 12-Month CD at a North Carolina CU (Carolina Postal)
• 5.96% 12-Month CD at a Georgia CU (MACO Educators)
• 5.90% 12-Month CD at a Utah CU - and Other High Rates (Pacific Rails)
• 5.87% 16-Month CD at a Maryland CU (MCT)
• 5.86% 12-Month CD at a Washington State CU - Variable (Cascade Forest Products)
• 5.81% 12-Month CD at a Ohio CU - $100K+ (CSE)
• 5.80% 15-Month CD at a Oregon/South Carolina CU (Consolidated)
• 5.80% 12-Month CD at a Massachusetts CU (Central One FCU)
• 5.75% 12-Month CD at a Georgia Bank (Alpha)
• 5.75% 16-Month CD at a Virginia CU - (Apple)
• 5.75% 14-Month CD at a Alabama CU (Tuscaloosa)
• 5.75% 18-Month CD at a Missouri CU (Postal and Community)
• 5.75% 12-Month CD at a Georgia Bank (Integrity)
• 5.75% 12-Month CD at a Virginia CU (Bronco)
• 5.75% 12-Month CD at a Houston CU Continues - (Right Choice)
• 5.75% 12-Month CD at a California/Nevada CU (1st United Services)
• 5.74% 18-Month CD at a Missouri Bank (Eagle)
• 5.72% 12-Month CD at a Wisconsin CU - and a $50 Checking Bonus (Royal)
• 5.70% 18-Month CD at a Utah CU (Cyprus)
• 5.70% 15-Month CD at a Missouri CU (Kilowatt)
• 5.70% 12-Month CD at a Minnesota CU (SMW)
• 5.65% 12-Month CD at a Georgia Bank (Peachtree)
• 5.61% 18-Month CD at a DC/MA CU (Transportation)
• 5.61% 12-Month CD at a DC/MA CU (Transportation)
• 5.60% 12-Month CD at a Florida Bank (Coral Gables)
• 5.60% 15-Month CD at a Multi-State Credit Union (FAA Eastern Region)
• 5.60% 12-Month CD at a Utah CU (Deseret First)
• 5.56% 13-Month CD at a South Carolina Bank (Bank of Anderson)
• 5.55% 13-Month CD at a Utah Credit Union (Tooele)
• 5.55% 15-Month CD at a California CU - Open To All (Kinecta)
• 5.51% 16-Month CD at a Maryland CU (MCT)
• 5.51% 13-Month CD at a South Dakota CU (Sentinel)
• 5.50% 12-Month CD at a Texas Bank and $50 Checking Account Bonus (Century)
• 5.50% 13-Month CD at a Alabama CU (Redstone)
• 5.50% 12-Month CD at a Texas CU (San Antonio)
• 5.50% 12-Month CD at a Texas Bank (Century)
• 5.50% 12-Month CD at a Massachusetts Bank (Needham Cooperative)
• 5.50% 16-Month CD at a New York CU (Bethpage)
• 5.50% 15-Month CD at a Missouri CU (Neighbors)
• 5.50% 12-Month CD at a Maryland/Virginia/DC Bank (Washington First)
• 5.50% 12-Month CD at a New York CU (Buffalo Metropolitan)
• 5.40% 12-Month CD at a Texas CU (United SA)
• 5.39% 15-Month CD at a Philadelphia Bank (Asian Bank)

Terms of Under 12 Months

• 7.00% 7-Month CD at a California CU - $7K Max (Wescom)
• 7.00% 6-Month CD at a CA Credit Union - $5K Max (Pacific Service)
• 6.15% 7-Month CD at a Kentucky CU Continues (Fort Knox)
• 6.00% 6-Month CD at a Louisiana CU (New Orleans Firemen's)
• 6.00% 7-Month CD at a Colorado CU (US Alliance)
• 6.00% 10-Month CD at a Michigan CU (Lake Michigan)
• 6.00% 4-Month CD at a Michigan CU - Update (Huron River Area)
• 6.00% 3-Month CD at a Virginia CU (Arlington Virginia)
• 5.92% 11-Month CD at a New York / Pennsylvania CU (Visions)
• 5.92% 6-Month CD at a New York / Pennsylvania CU (Visions)
• 5.80% 7-Month CD at a Oregon/South Carolina CU (Consolidated)
• 5.75% 9-Month CD at a Maryland CU (Prince George's Community)
• 5.75% 6-Month CD at a Georgia Bank (Integrity)
• 5.75% 3-Month CD at a California CU (San Jose)
• 5.75% 6-Month CD at a California CU (San Jose)
• 5.70% 7-Month CD at a Iowa Bank (American Bank)
• 5.65% 9-Month CD at a Arizona CU (Arizona Federal)
• 5.65% 11-Month CD at a Missouri CU (River Region)
• 5.65% 7-Month CD at a Dallas Bank (Jefferson)
• 5.65% 6-Month CD at a Georgia Bank (Columbus Community)
• 5.62% 11-Month CD at a Alabama Bank (The Peoples)
• 5.60% 11-Month CD at a Maryland CU (Point Breeze)
• 5.60% 6-Month CD at a Texas CU (San Antonio)
• 5.58% 4-Month CD at a Arizona CU (Vantage West)
• 5.58% 3-Month CD at a Arizona CU (Vantage West)
• 5.57% 11-Month CD at a Maryland CU (MCT)
• 5.55% 5-Month CD at a Illinois CU - IRA (Great Lakes)
• 5.55% 8-Month CD at a California CU - IRA (San Diego County)
• 5.55% 11-Month CD at a California CU (LA Financial)
• 5.50% 11-Month CD at a Florida Bank (Platinum)
• 5.50% 6-Month CD at a California/Nevada CU (1st United Services)
• 5.50% 9-Month CD at a Florida CU (Achieva)
• 5.50% 6-Month CD at a Washington DC Bank (Adams National)
• 5.40% 9-Month CD at a Chicago Bank (Builders)
• 5.35% 11-Month CD at a Chicago Bank (Park National)
• 5.35% 8-Month CD at a New York CU (Bethpage)

Bank Account Alternatives

• Money Magazine article on risk-free investments
• Vanguard Prime Money Market Fund - 5.10% 7-day yield
• Fidelity Money Market Fund - 4.95% 7-day yield ($100 bonus and other info)
• Paypal Money Market Fund - 5.02% 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