Bank Deals Weekly Summary for March 31, 2007

There weren't many changes in savings account rates this week. Most rate changes were on CD rates, and unfortunately, some of the best rates tended to fall. The rate of World Savings' 10-month internet CD fell from 5.51% to 5.46% APY. Pentagon Federal Credit Union updated its CD rates on Thursday. The 7-year CD rate is down from 6% to 5.50% APY, and the 5-year CD rate fell from 5.74% to 5.50% APY. High CD rates also fell at Netbank, Bank of Internet and Transportation Alliance Bank.

Along with falling CD rates, there were several increases in rates. There wasn't any strong pattern of rate hikes or cuts. Some banks cut rates on one or more terms, but increased rates on others. For example, E-LOAN increased its 6-month CD rate from 5.35% to 5.40% APY and its 5-year CD rate from 5.25% to 5.40% APY, but lowered its 18-month CD rate from 5.40% to 5.35% APY. WaMu dropped its 12-month internet CD rate from 5.40% to 5.10% APY but increased its 6-month CD rate from 5.10% to 5.40% APY.

The best CD rate increase this week was at UmbrellaBank which increased short term rates by 0.15% to 0.35%. The 3, 6, 9 and 12-month yields are now 5.35%, 5.45%, 5.40% and 5.40% APY. One of the best nationally available CD deal continues to be at Northrop Grumman FCU which has a 5.69% APY 6-month CD with a $40K minimum. An association membership can qualify anyone for membership. Navy FCU continues to offer a 6% APY 15-month CD and a 6% APY 7-year CD. Unfortunately, there's no easy way to qualify for Navy FCU membership. You have to have some connection with the Navy.

Premier America started again advertising its 777 CD deal (7% APY 7-month $7K max deposit). This special seems to come and go quickly. I first reported on it when it was being advertised early this month. Soon afterward a reader reported being told it was over. Then early this week, it was being advertised again. So I don't know if it's still available. Membership into an association can make anyone eligible to join (see post).

For savings accounts, HSBC's 6% new money promotion only has about 4 weeks left (see post). If you don't already have an HSBC account, you may be better off with other savings accounts that'll more likely give you a higher rate for the long term. See my discussion on this in my March 17th weekly summary.

I continue to see more new high yield rewards checking accounts pop up around the country. You can get a very high yield in return for regularly using your debit card. I'm keeping a list of these checking accounts at this best checking account post. In addition, I list several high yield checking and money market accounts available nationally.

With April 17th being the deadline for making a 2006 contribution to your IRA (per IRS), many institutions are pushing IRAs with specials. One of the best local specials is at LA Financial Credit Union which is offering a 6.25% APY 13-month IRA CD with a checking account or 5.75% without one. Membership is primarily limited to those in Los Angeles County (see post).

For the list of local deals, refer to the local CD deal section below.

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 Mar 31st, Mar 17th, Mar 10th, Mar 3rd, Feb 24th, Feb 17th, Feb 10th and Feb 3rd.

As of March 31, 2007

Checking/Savings/Money Market Accounts:

• Checking/Savings Account Bonuses
• The Best Checking Accounts

• Geauga Savings Bank - 5.45% ($25K min), see post
• AmTrustDirect - 5.36% ($1K min), my post
• BankUnited - 5.35% (min $5K), my post
• UFB Direct - 5.31%, my post
• OneUnited - 5.30% (min $1K), my post
• Zions Bank - 5.30% MMA (min $1K) (5.34% $50K+), my post
• iGobanking - 5.30%, my post
• Apple Bank - 5.27%, my post
• WTDirect - 5.26% ($10K min), my post
• Countrywide - 5.25% (min $10K), (5.40% $50K+) my post
• Presidential Bank - 5.25% (min $5K, only first $35K receives this rate), offers 4.50% checking, my post
• Transportation Alliance Bank - 5.25% (5.15% for MMA), ($25 min), my post
• AmboyDirect - 5.25% (5.35% for $20K+), my post ($25 bonus)
• E-LOAN - 5.25% ($5K min), my post
• FNBO Direct - 5.25%, my post
• Direct Huntington - 5.20% ($1K min), my post
• CapitalOne/Costco - 5.20% MMA (min $5K, Costco members only, $50 deal for exec. members)
• FirstFedDirect - 5.16% (min $1K) (closed to CA residents), my post
• Discover Bank - 5.14% MMA (min $10K)
• GMAC Bank - 5.10% MMA (min $500), my post
• Mutual Bank - 5.10% MMA (min $5K), my post
• MyBankingDirect - 5.10% MMA (min $5K), my post
• ETrade Bank - 5.05%, my post ($25 bonus)
• HSBC Direct - 5.05%, (6% new money promo and $75 checking bonus), my post
• EmigrantDirect - 5.05%, my post, (rate history)
• Corus Bank - 5.04% MMA (min $10K to open)
• EverBank - 5.01% ($1.5K min), 6.01% 3-mo promo, my post
• Indymac Bank - 5.00% ($1K min)
• CapitalOne - 5.00% (MMA has same rate, but with checks and ATM. $100 min.), my post
• ebank - 5.00% Checking ($2.5K min), my post
• Washington Mutual - 5.00% (requires checking), my post
• Tennessee Commerce Bank - 4.98% (min $10K), my post
• UmbrellaBank.com - 4.95% MMA (min $1K) (5.10% $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
• 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)
• ING Direct - 4.50%, (4% checking), my post ($25 bonus)
• NetBank - 4.50% MMA ($500 min), 6-month intro rate, my post ($250 deal)
• MetLife Bank - 4.40% MMA (min $5K), my post ($50 bonus)
• Imperial Capital - 4.20% MMA ($2.5K min), offers free checking, my post

3-Month Certificates of Deposit:

• VirtualBank - 5.44% (min $10K), my post
• TD Ameritrade - 5.40% (min $10K), my post - $100 bonus
• UmbrellaBank.com - 5.35% (min $1K)
• Imperial Capital - 5.30%, ($2K min), my post
• Countrywide - 5.30% (min $10K), my post
• UFB Direct - 5.30% (min $8K)
• FirstFedDirect - 5.26% (min $10K), my post
• IndyMac Bank - 5.25% (min $5K), my post
• GMAC Bank - 5.15% (min $500), my post
• EverBank - 5.14% ($1.5K min)
• Corus Bank - 5.04% (min $10K)
• ETrade Bank - 5.00% (min $1K), my post
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• Self-Help Credit Union - 4.97% (min $500), my post

6-Month Certificates of Deposit:

• Northrop Grumman FCU - 5.69% (min $40K), my post
• IndyMac Bank - 5.50% (min $5K), my post
• FirstFedDirect - 5.46% (min $10K), my post
• UmbrellaBank.com - 5.45% (min $1K)
• VirtualBank - 5.44% (min $10K), my post
• Washington Mutual - 5.40% (min $1K), rates vary by state
• Imperial Capital - 5.40%, ($2K min), my post
• E-LOAN - 5.40% ($10K min), my post
• World Savings - 5.40% (min $10K) (5-month), my post
• Ascencia Bank - 5.40% (min $500)
• Corus Bank - 5.37% (min $10K)
• AmTrustDirect - 5.36% (min $1K) my post
• Countrywide - 5.35% (min $10K), my post
• NASA FCU - 5.35% (7 months) (min $1K), my post
• iGobanking - 5.30% (min $500), my post
• Tennessee Commerce Bank - 5.30% (min $5K)
• HSBC Direct - 5.25% (min $1K), new money only
• UFB Direct - 5.25% (min $8K)
• NetBank - 5.25% (min $1K)
• Self-Help Credit Union - 5.20% (min $500), my post
• GMAC Bank - 5.15% (min $500), my post
• ETrade Bank - 5.15% (min $1K), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• EverBank - 5.15% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)
• ING Direct - 5.00%, my post
• Wells Fargo - 4.90% (5 months) (min $5K), rate and min vary by state, my post

9-Month Certificates of Deposit:

• Spectrum FCU - 5.50% (min $5K) 5.65% IRA, my post
• World Savings - 5.46% (min $10K) (10-month), my post
• UmbrellaBank.com - 5.40% (min $1K)
• AmTrustDirect - 5.36% (min $1K) my post
• Imperial Capital - 5.35% ($2K min), my post
• FirstFedDirect - 5.35% (min $10K), my post
• Countrywide - 5.20% (min $10K), my post
• VirtualBank - 5.18% (min $10K), my post
• GMAC Bank - 5.15% (min $500), my post
• IndyMac Bank - 5.15% (min $5K), my post
• EverBank - 5.15% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)
• ING Direct - 5.05%, my post

12-Month Certificates of Deposit:

• Northrop Grumman FCU - 5.51% (min $40K), my post
• AmTrustDirect - 5.41% (min $1K) my post
• UmbrellaBank.com - 5.40% (min $1K)
• Ascencia Bank - 5.40% (min $500)
• FirstFedDirect - 5.40%, (min $10K) my post
• Corus Bank - 5.36% (min $10K)
• Transportation Alliance Bank - 5.36% ($1K min)
• E-LOAN - 5.35% ($10K min), my post
• Mutual Bank - 5.35% (min $2.5K) my post
• AmboyDirect - 5.35% (min $10K), my post
• Tennessee Commerce Bank - 5.35% (min $5K)
• La Jolla Bank - 5.30% (min $10K), my post
• Melrose CU - 5.30% (min $5K) my post
• iGobanking - 5.30% (min $500), my post
• Navy FCU - 5.30% ($20K min) restrictions to membership, my post
• Imperial Capital - 5.30% ($2K min), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• GMAC Bank - 5.20% (min $500), my post
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• ETrade Bank - 5.16% (min $1K), my post
• Countrywide - 5.15% (min $10K)
• VirtualBank - 5.15% (min $10K), my post
• IndyMac Bank - 5.15% (min $5K), my post
• UFB Direct - 5.15% (min $8K)
• EverBank - 5.13% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)
• ING Direct - 5.10%, my post
• Washington Mutual - 5.10% (min $1K), my post
• Self-Help Credit Union - 5.07% (min $500), my post
• GTE FCU - 4.96% (min $500) (add-on feature) my post

14/15-Month Certificates of Deposit:

• Navy FCU - 6.00% (15 months) ($8K min) restrictions to membership, my post
• Patelco Credit Union - 5.75% (14 months) ($1K min), not NCUA insured, my post
• NASA FCU - 5.50% (15 months) (min $2K) (5.75% for IRA), my post

18-Month Certificates of Deposit:

• Bank of Internet - 5.36% (min $1K) my post
• E-LOAN - 5.35% ($10K min), my post
• iGobanking - 5.30% (min $500), my post
• NetBank - 5.25% (min $1K), my post ($100 bonus)
• AmTrustDirect - 5.15% (min $1K) my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• Imperial Capital - 5.15% ($2K min), my post
• EmigrantDirect - 5.10% (min $1K)
• GMAC Bank - 5.05% (min $500)
• Countrywide - 5.00% (min $10K)
• Mutual Bank - 4.85% (min $5K) my post
• ETrade Bank - 4.80% (min $1K), my post
• UmbrellaBank.com - 4.75% (min $1K)

24-Month Certificate of Deposit:

• Mutual Bank - 5.47% (min $5K) my post
• Navy FCU - 5.40% ($20K min) restrictions to membership, my post
• Bank of Internet - 5.31% (min $1K) my post
• E-LOAN - 5.30% ($10K min), my post
• Transportation Alliance Bank - 5.30% ($1K min)
• Melrose CU - 5.25% (min $5K) my post
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• Presidential Bank - 5.13% (min $1K)
• GMAC Bank - 5.05% (min $500)
• Imperial Capital - 5.00% ($2K min), my post

36-Month Certificate of Deposit:

• Agriculture FCU - 5.50% (min $1K), my post
• Pentagon Federal CU - 5.50% (min $1K), my post
• Mutual Bank - 5.47% (min $5K) my post
• Navy FCU - 5.45% ($20K min) restrictions to membership, my post
• Bank of Internet - 5.36% (min $1K) my post
• First State Bank - 5.35% ($1K min), my post
• E-LOAN - 5.25% ($10K min), my post
• Transportation Alliance Bank - 5.25% ($1K min)
• Melrose CU - 5.20% (min $5K) my post
• NetBank - 5.15% (min $1K), my post ($100 bonus)
• EmigrantDirect - 5.10% (min $1K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• Fort Belvoir FCU - 5.07% (min $1K), my post
• GMAC Bank - 5.05% (min $500)
• AmTrustDirect - 5.00% (min $1K) my post
• Imperial Capital - 4.95% ($2K min), my post
• Countrywide - 4.90% (min $10K)
• Self-Help Credit Union - 4.82% (min $500), my post
• ETrade Bank - 4.80% (min $1K), my post
• UmbrellaBank.com - 4.75% (min $1K)

48-Month Certificate of Deposit:

• Agriculture FCU - 5.50% (min $1K), my post
• Navy FCU - 5.50% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.50% (min $1K), my post
• First State Bank - 5.35% ($1K min), my post
• USA FCU - 5.33% (min $1K) my post
• E-LOAN - 5.25% ($10K min), my post
• Melrose CU - 5.25% (min $5K) my post
• Transportation Alliance Bank - 5.20% ($1K min)
• Fort Belvoir FCU - 5.18% (min $1K), my post
• NetBank - 5.15% (min $1K), my post ($100 bonus)
• EmigrantDirect - 5.10% (min $1K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• GMAC Bank - 5.05% (min $500)
• Countrywide - 4.90% (min $10K)
• Self-Help Credit Union - 4.83% (min $500), my post
• UmbrellaBank.com - 4.75% (min $1K)

60-Month Certificate of Deposit:

• Agriculture FCU - 5.75% (min $1K), my post
• Navy FCU - 5.70% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.50% (min $1K), my post
• Bank of Internet - 5.41% (min $1K) my post
• E-LOAN - 5.40% ($10K min), my post
• USA FCU - 5.38% (min $1K) my post
• First State Bank - 5.35% ($1K min), my post
• Fort Belvoir FCU - 5.34% (min $1K), my post
• Melrose CU - 5.30% (min $5K) my post
• Transportation Alliance Bank - 5.25% ($1K min)
• NetBank - 5.15% (min $1K), my post ($100 bonus)
• VirtualBank - 5.15% (min $10K), my post
• Presidential Bank - 5.13% (min $1K)
• Members Credit Union - 5.13% (min $2K), my post
• EmigrantDirect - 5.10% (min $1K)
• Washington Mutual - 5.10% (min $1K), rates vary by state
• AmTrustDirect - 5.10% (min $1K) my post
• GMAC Bank - 5.05% (min $500)
• ebank - 5.00% (min $1K), 5.35% for ePremium checking customers
• Imperial Capital - 4.95% ($2K min), my post
• ETrade Bank - 4.90% (min $1K), my post
• Countrywide - 4.90% (min $10K)
• Self-Help Credit Union - 4.86% (min $500), my post
• UmbrellaBank.com - 4.75% (min $1K)

84-Month Certificate of Deposit:

• Navy FCU - 6.00% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.50% (min $1K), my post
• EmigrantDirect - 5.10% (min $1K)
• Countrywide - 4.90% (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% Money Market Account at Lockheed FCU ($10K Max)
• 5.50% 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

• 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% Checking Account (Washington State)
• 6.00% Money Market Account Intro Rate in New Jersey
• 6.00% 3-Month Money Market Promo at Amboy 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

• Alabama deals and CD rates
• California deals and CD rates
• Colorado deals and CD rates
• Connecticut deals and CD rates
• Florida deals and CD rates
• Georgia deals and CD rates
• Idaho deals and CD rates
• Illinois deals and CD rates
• Indiana deals and CD rates
• Kansas deals and CD rates
• Kentucky deals and CD rates
• Maryland deals and CD rates
• Michigan deals and CD rates
• Nevada deals and CD rates
• New Hampshire deals and CD rates
• New Jersey deals and CD rates
• New York deals and CD rates
• North Carolina deals and CD rates
• Ohio deals and CD rates
• Oregon deals and CD rates
• Pennsylvania deals and CD rates
• Washington State deals and CD rates
• Tennessee deals and CD rates
• Texas deals and CD rates
• Wisconsin deals and CD rates

Terms of 60 Months and Over

• 6.25% 120-Month CD at a New York Bank (Ridgewood Savings)
• 6.25% 60-Month CD at a Pennsylvania Bank - Variable (First National Community)
• 6.22% 60-Month CD at a California CU (Tucoemas)
• 6.18% 60-Month CD at a Florida/Georgia Bank (Southeastern)
• 6.00% 60-Month CD at a Ohio CU (AP FCU)
• 5.92% 60-Month CD at a South Carolina CU - $50K+ (SAFE FCU)
• 5.90% 73-Month CD at a Minnesota CU - 6.15% Jumbo (Minnesota Valley)
• 5.90% 72-Month CD at a Missouri Bank (Garden City)
• 5.80% 60-Month CD at a Colorado CU (Ent)
• 5.70% 60-Month CD at a Pennsylvania CU (Tri County Area)
• 5.65% 60-Month CD at a Washington Bank (Westsound)
• 5.60% 60-Month CD at a Texas Bank (Texas Brand)
• 5.54% 60-Month CD at a Florida CU (CFE)

Terms of 24 Months to Under 60 Months

• 8.00% 24-Month CD at a Washington State CU - IRA (Spokane Law Enforcement)
• 6.98% 36-Month CD at a California Bank - Variable IRA (Alliance Bank)
• 6.11% 30-Month CD at a California CU (Tucoemas)
• 6.00% 51-Month CD at a Vermont/New Hampshire CU (Heritage Family)
• 5.97% 24-Month CD at a California CU (Los Angeles)
• 5.92% 48-Month CD at a Florida/Georgia Bank (Southeastern)
• 5.90% 50-Month CD at a New York CU (CFCU Community)
• 5.80% 41-Month CD at a New Jersey CU (Tri-Co)
• 5.75% 50-Month CD at a Ohio CU (AP FCU)
• 5.75% 35-Month CD at a Oregon CU (NW Preferred)
• 5.70% 36-Month CD at a New York Bank (LibertyPointe)
• 5.70% 24-Month CD at a New York Bank (LibertyPointe)
• 5.65% 24-Month CD at a Maryland/Virginia/DC CU (Washington Telephone)
• 5.65% 24-Month CD at a Oregon CU (NW Preferred)
• 5.64% 24-Month CD at a Ohio CU (First Service)
• 5.64% 24-Month CD at a Pennsylvania CU (Franklin-Oil)
• 5.64% 25-Month CD at a Vermont/New Hampshire CU (Heritage Family)
• 5.64% 36-Month CD at a New York CU (Municipal)
• 5.64% 24-Month CD at a New York CU (Municipal)
• 5.60% 36-Month CD at a Pennsylvania CU (Tri County Area)
• 5.54% 36-Month CD at a Florida CU (CFE)
• 5.50% 48-Month CD at a South Carolina Bank (Arthur State Bank)
• 5.50% 24-Month CD at a Texas Bank (Texas Brand)
• 5.43% 24-Month CD at a South Carolina Bank (Community South Bank and Trust)

Terms of 12 Months to Under 24 Months

• 7.00% 12-Month CD at a Michigan CU - $10K Max (First Community)
• 6.25% 13-Month CD at a California CU - IRA (LA Financial)
• 6.15% 13-Month CD at a MI/OH/AR Credit Union - lower rates for $5K+ (United)
• 6.10% 12-Month CD at a California CU (Golden Bay)
• 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% 15-Month CD at a South Carolina CU Continues (MCAS Beaufort)
• 5.84% 15-Month CD at a Georgia Bank (First National)
• 5.80% 15-Month CD at a Oregon/South Carolina CU (Consolidated)
• 5.80% 12-Month CD at a Idaho CU (Pocatello Railroad)
• 5.75% 16-Month CD at a Virginia CU - (Apple)
• 5.75% 12-Month CD at a California CU - IRA (Kaiser)
• 5.75% 12-Month CD at a Georgia Bank (Patriot Bank)
• 5.75% 13-Month CD at a Illinois CU (Baxter)
• 5.75% 13-Month CD at a Missouri Bank (Champion)
• 5.75% 15-Month CD at a Utah Credit Union (Tooele)
• 5.65% 13-Month CD at a Washington State CU (WSE)
• 5.65% 12-Month CD at a Colorado CU (Ent)
• 5.65% 18-Month CD at a Oregon CU (NW Preferred)
• 5.61% 13-Month CD at a Alabama CU (Credit Union of Alabama)
• 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% 15-Month CD at a MA/NJ/NY Credit Union (US Alliance)
• 5.60% 12-Month CD at a California Bank (Fremont Investment and Loan)
• 5.60% 12-Month CD at a Minnesota CU (SMW)
• 5.55% 12-Month CD at a Maryland/Virginia/DC CU (Washington Telephone)
• 5.55% 12-Month CD at a Texas Bank (Park Cities)
• 5.55% 15-Month CD at a Minnesota/Missouri CU (Endura Financial)
• 5.55% 12-Month CD at a Texas/Missouri Bank (Premier)
• 5.55% 12-Month CD at a California Bank and 5.25% Savings Account (Fremont Investment and Loan)
• 5.55% 12-Month CD at a Virginia Bank (River City)
• 5.55% 17-Month CD at a Kansas Bank (Security Savings)
• 5.55% 12-Month CD at a Kansas/Missouri Bank (Heartland Bank)
• 5.51% 16-Month CD at a Maryland CU (MCT)
• 5.51% 20-Month CD at a New York CU (CFCU Community)
• 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% 18-Month CD at a Washington Bank (Westsound)
• 5.50% 12-Month CD at a Kansas Bank (Capitol Federal Savings)
• 5.50% 18-Month CD at a Maryland CU (Tower)
• 5.50% 17-Month CD at a Kentucky CU (Fort Knox)
• 5.50% 12-Month CD at a Missouri Bank (St. Louis)
• 5.50% 15-Month CD at a North Carolina CU (Coastal)
• 5.50% 14-Month CD at a California CU - special early withdrawal feature (Financial Partners)
• 5.50% 18-Month CD at a Virginia CU (NMA)
• 5.50% 13-Month CD at a Texas CU (Old Ocean)
• 5.48% 12-Month CD at a Georgia CU (MACO Educators)
• 5.43% 13-Month CD at a South Carolina Bank (Community South Bank and Trust)

Terms of Under 12 Months

• 10.00% 6-Month CD at a IN/MI/GA Bank Continues - $2.5K Max (Flagstar)
• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 7.00% 7-Month CD at a California/Texas CU - $7K Max (Premier America)
• 6.17% 10-Month CD at a California CU (Harbor)
• 6.15% 6-Month CD at a Florida Bank (Coast Bank of Florida)
• 6.00% 5-Month CD at a New Jersey Bank (Valley National)
• 6.00% 6-Month CD at a Florida CU - $20K Max (MIDFLORIDA)
• 6.00% 3-Month CD at a Virginia CU Continues (Arlington Virginia)
• 5.80% 7-Month CD at a Oregon/South Carolina CU (Consolidated)
• 5.80% 10-Month CD at a Colorado Bank (Summit Bank and Trust)
• 5.80% 9-Month CD at a Georgia Bank (Bank of Georgia)
• 5.80% 6-Month CD at a Georgia Bank (Bank of Georgia)
• 5.75% 9-Month CD at a Maryland CU (Prince George's Community)
• 5.75% 6-Month CD at a Illinois Bank Continues (Town Center Bank)
• 5.75% 6-Month CD at a Georgia Bank (Patriot Bank)
• 5.75% 11-Month CD at a Arizona/Texas CU - IRA (TruWest)
• 5.75% 11-Month CD at a Georgia CU (Georgia Telco)
• 5.75% 7-Month CD at a Missouri Bank (Champion)
• 5.75% 7-Month CD at a Indiana CU - and $80 Checking Account Bonus (Centra)
• 5.70% 9-Month CD at a Texas CU (San Antonio City Employees)
• 5.65% 9-Month CD at a South Carolina CU (Anderson)
• 5.65% 9-Month CD at a Arizona CU (Arizona Federal)
• 5.64% 9-Month CD at a Wisconsin CU and $50 Checking Bonus (Central Wisconsin)
• 5.61% 7-Month CD at a Alabama CU (Credit Union of Alabama)
• 5.57% 11-Month CD at a Maryland CU (MCT)
• 5.55% 5-Month CD at a Illinois CU - IRA (Great Lakes)
• 5.55% 5-Month CD at a Kansas Bank (Halstead)
• 5.55% 11-Month CD at a California CU (Pacific Service)
• 5.55% 5-Month CD at a South Carolina Bank (First Federal)
• 5.55% 6-Month CD at a California Bank and 5.25% Savings Account (Fremont Investment and Loan)
• 5.55% 6-Month CD at a Virginia Bank (River City)
• 5.50% 6-Month CD at a Missouri CU - and Gift Card (American Eagle)
• 5.50% 6-Month CD at a California Bank (Luther Burbank Savings)
• 5.50% 9-Month CD at a Colorado Bank (Academy)
• 5.50% 11-Month CD at a California Credit Union and $75 Checking Bonus (California)
• 5.50% 11-Month CD at a Oregon CU (NW Preferred)
• 5.50% 7-Month CD at a Kentucky CU (Fort Knox)
• 5.50% 7-Month CD at a Indiana Bank (Monroe)
• 5.50% 6-Month CD at a Missouri Bank (St. Louis)
• 5.50% 7-Month CD at a New Jersey CU (Tri-Co)
• 5.40% 7-Month CD at a Kansas Bank (Security Savings)

Bank Account Alternatives

• Money Magazine article on risk-free investments
• Vanguard Prime Money Market Fund - 5.10% 7-day yield
• Fidelity Money Market Fund - 5.02% 7-day yield ($100 bonus and other info)
• Paypal Money Market Fund - 5.05% 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