Bank Deals Weekly Summary for April 28, 2007

Monday is the last day of HSBC Direct's 6% new money promo. Hopefully, we'll see other banks coming out with promos to entice us away from HSBC. On Monday UmbrellaBank came out with a nice promo offering a guaranteed 5.50% APY on its Pot O'Gold Money Market Account through 2007. However, this didn't last long. By Wednesday, the offer was changed to 5.50% guaranteed only through July (see post). Readers had reported being told by the customer service reps that UmbrellaBank had reached their quota early. Perhaps UmbrellaBank also became worried about the future interest rate environment. This worry may be shared by other banks. Rate cuts picked up this week on both money market accounts and CDs.

For money market accouts, Capital One made a large rate cut on both its Costco MMA and its High Yield Money Market (HYMM). The Costco MMA yield dropped from 5.20% to 5.00% APY. The yield on the HYMM dropped from 5.00% to 4.75% APY. MyBankingDirect also had a large rate cut on its MMA with the yield dropping from 5.10% to 4.75% APY. PFF Bank and Trust's new online savings account had a large rate cut with the yield falling from 5.30% to 5.00% APY.

CD Rate Updates

For CDs, there were disappointments this week at Agriculture FCU and at Melrose CU. Agriculture FCU's CDs fell by 0.25%, and Melrose which had just made a 0.25% rate increase to its CDs earlier in the month, has cut the rates by 0.10%. Both had some top rates. Their rates are still very competitive, but no longer on top. Other CD rate drops occurred at E-LOAN, IndyMac, Netbank and Bank of Internet.

There were some good news with small CD rate increases at GMAC Bank, Countrywide, VirtualBank and Corus Bank. Countrywide is now offering a 5.41% APY 6-month CD (up from 5.30%). VirtualBank did some reversing of its large CD rate cut from the previous week. This week it raised its 3 month CD from 5.00% to 5.23% APY and its 6 month CD from 5.05% to 5.28% APY.

The best short-term CD deal remains at Northrop Grumman FCU. Even though the CD yields went down by about 0.04% from last week, they're still very competitive. The CDs include a 5.65% APY 6-month CD and a 5.51% APY 12-month CD. Both have a $40K minimum deposit (see post). Navy FCU still has its 6.00% APY 15-month CD. However, a Navy FCU customer service rep had told me that this is likely to end after Monday. So if you're not a member already, it may be too late (see post).

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

Checking Account Updates

The biggest news in checking accounts this week was at Charles Schwab which introduced a free checking account with a yield of 4.25% APY. This has many advantages over ING Direct's Electric Orange Checking including a higher rate for balances under $50K, free paper checks and ATM refunds (see post).

I reported on more local high yield reward checking accounts this week. One in Missouri has a yield of 6.17% APY on balances up to $25K (see post). If you don't mind the debit card usage requirements, these can be a good deal. For more of these rewards checking accounts, refer to my rewards checking category or my summary of the best checking accounts.

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 Apr 21st, Apr 14th, Apr 7th, Mar 31st, Mar 24th, Mar 17th, Mar 10th and Mar 3rd.

As of April 28, 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, outside of Utah, (min $1K) (5.34% $50K+), my post
• iGobanking - 5.30%, my post
• GMAC Bank - 5.30% MMA (min $500), my post
• Apple Bank - 5.27% (min $2.5K) 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
• FirstFedDirect - 5.16% (min $1K) (closed to CA residents), my post
• Discover Bank - 5.14% MMA (min $10K)
• Mutual Bank - 5.10% MMA (min $5K), my post
• Bank of America AAA/NEA - 5.10% MMA ($10K min) (5.38% for $50K+) my post
• ETrade Bank - 5.05%, my post ($25 bonus)
• HSBC Direct - 5.05% ($50 related bonus) my post
• EmigrantDirect - 5.05%, my post, (rate history)
• EverBank - 5.01% ($1.5K min), 6.01% 3-mo promo, my post
• Indymac Bank - 5.00% ($1K min)
• ebank - 5.00% Checking ($2.5K min), my post
• Washington Mutual - 5.00% (requires checking), my post
• CapitalOne/Costco - 5.00% MMA (min $5K, Costco members only, $50 deal for exec. members)
• PFF Bank and Trust - 5.00% (min $1K), my post
• UmbrellaBank.com - 4.95% MMA (min $1K) (5.50% Promo Rate), my post
• Corus Bank - 4.95% MMA (min $10K to open)
• Tennessee Commerce Bank - 4.94% (min $10K), my post
• Capital One - 4.75% (MMA has same rate, but with checks and ATM. $100 min.), my post
• MyBankingDirect - 4.75% MMA (min $5K), my post
• Self-Help Credit Union - 4.68% MMA (min $500), my post
• Citibank - 4.65%, requires checking account, my post ($50 bonus)
• 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
• Melrose CU - 4.06% (min $25) my post

3-Month Certificates of Deposit:

• TD Ameritrade - 5.40% (min $10K), my post - $100 bonus
• UmbrellaBank.com - 5.35% (min $1K)
• UFB Direct - 5.31% (min $8K)
• Imperial Capital - 5.30%, ($2K min), my post
• Countrywide - 5.30% (min $10K), my post
• FirstFedDirect - 5.26% (min $10K), my post
• VirtualBank - 5.23% (min $10K), my post
• GMAC Bank - 5.15% (min $500), my post
• EverBank - 5.10% ($1.5K min)
• IndyMac Bank - 5.10% (min $5K), my post
• ETrade Bank - 5.00% (min $1K), my post
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• Self-Help Credit Union - 4.98% (min $500), my post
• Corus Bank - 4.95% (min $10K)

6-Month Certificates of Deposit:

• Northrop Grumman FCU - 5.65% (min $40K), my post
• NASA FCU - 5.50% (5 months) (min $5K), my post
• FirstFedDirect - 5.46% (min $10K), my post
• IndyMac Bank - 5.45% (min $5K), my post
• UmbrellaBank.com - 5.45% (min $1K)
• World Savings - 5.41% (min $10K), my post
• Countrywide - 5.41% (min $10K), my post
• E-LOAN - 5.41% ($10K min), my post
• Imperial Capital - 5.40%, ($2K min), my post
• Ascencia Bank - 5.40% (min $500)
• Corus Bank - 5.40% (min $10K)
• AmTrustDirect - 5.36% (min $1K) my post
• NASA FCU - 5.35% (7 months) (min $1K), my post
• iGobanking - 5.30% (min $500), my post
• NetBank - 5.30% (min $1K)
• Tennessee Commerce Bank - 5.30% (min $5K)
• VirtualBank - 5.28% (min $10K), my post
• GMAC Bank - 5.25% (min $500), my post
• HSBC Direct - 5.25% (min $1K), new money only
• UFB Direct - 5.25% (min $8K)
• Self-Help Credit Union - 5.24% (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)
• Washington Mutual - 5.15% (min $1K), rates vary by state
• 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:

• World Savings - 5.41% (min $10K) (10-month), my post
• UmbrellaBank.com - 5.40% (min $1K)
• AmTrustDirect - 5.36% (min $1K) my post
• FirstFedDirect - 5.35% (min $10K), my post
• ING Direct - 5.25%, my post
• Imperial Capital - 5.25% ($2K min), my post
• GMAC Bank - 5.20% (min $500), my post
• Countrywide - 5.20% (min $10K), my post
• IndyMac Bank - 5.15% (min $5K), my post
• EverBank - 5.15% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)
• VirtualBank - 5.05% (min $10K), my post

12-Month Certificates of Deposit:

• Northrop Grumman FCU - 5.51% (min $40K), my post
• Amalgamated Bank - 5.50% (min $500) (13-month), my post
• Melrose CU - 5.46% (min $5K) my post
• AmTrustDirect - 5.41% (min $1K) my post
• Corus Bank - 5.40% (min $10K)
• UmbrellaBank.com - 5.40% (min $1K)
• Ascencia Bank - 5.40% (min $500)
• FirstFedDirect - 5.40%, (min $10K) my post
• E-LOAN - 5.35% ($10K min), my post
• Mutual Bank - 5.35% (min $2.5K) my post
• Tennessee Commerce Bank - 5.35% (min $5K)
• La Jolla Bank - 5.30% (min $10K), my post
• iGobanking - 5.30% (min $500), my post
• Navy FCU - 5.30% ($20K min) restrictions to membership, my post
• GMAC Bank - 5.25% (min $500), my post
• Imperial Capital - 5.25% ($2K min), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• AmboyDirect - 5.25% (min $10K), my post
• NetBank - 5.25% (min $1K), my post ($100 bonus)
• Transportation Alliance Bank - 5.20% ($1K min)
• UFB Direct - 5.20% (min $8K)
• ETrade Bank - 5.16% (min $1K), my post
• Self-Help Credit Union - 5.15% (min $500), my post
• Countrywide - 5.15% (min $10K)
• IndyMac Bank - 5.15% (min $5K), my post
• EverBank - 5.15% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)
• ING Direct - 5.10%, my post
• VirtualBank - 5.05% (min $10K), my post
• Washington Mutual - 5.05% (min $1K), 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 - 5.31% (min $1K) my post
• iGobanking - 5.30% (min $500), my post
• E-LOAN - 5.26% ($10K min), my post
• NetBank - 5.25% (min $1K), my post ($100 bonus)
• GMAC Bank - 5.15% (min $500)
• 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)
• 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
• Melrose CU - 5.41% (min $5K) my post
• Navy FCU - 5.40% ($20K min) restrictions to membership, my post
• Bank of Internet - 5.31% (min $1K) my post
• Northrop Grumman FCU - 5.24% (min $40K), my post
• E-LOAN - 5.21% ($10K min), my post
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• Transportation Alliance Bank - 5.15% ($1K min)
• Presidential Bank - 5.13% (min $1K)
• GMAC Bank - 5.10% (min $500)
• Imperial Capital - 5.00% ($2K min), my post

36-Month Certificate of Deposit:

• 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
• First State Bank - 5.35% ($1K min), my post
• Melrose CU - 5.35% (min $5K) my post
• Bank of Internet - 5.26% (min $1K) my post
• Agriculture FCU - 5.25% (min $1K), my post
• E-LOAN - 5.20% ($10K min), my post
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• Transportation Alliance Bank - 5.15% ($1K min)
• EmigrantDirect - 5.10% (min $1K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• GMAC Bank - 5.05% (min $500)
• Fort Belvoir FCU - 5.02% (min $1K), my post
• AmTrustDirect - 5.00% (min $1K) my post
• Imperial Capital - 4.95% ($2K min), my post
• Countrywide - 4.90% (min $10K)
• Self-Help Credit Union - 4.89% (min $500), my post
• ETrade Bank - 4.80% (min $1K), my post
• UmbrellaBank.com - 4.75% (min $1K)

48-Month Certificate of Deposit:

• Navy FCU - 5.50% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.50% (min $1K), my post
• Melrose CU - 5.41% (min $5K) my post
• 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
• E-LOAN - 5.20% ($10K min), my post
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• Fort Belvoir FCU - 5.13% (min $1K), my post
• Transportation Alliance Bank - 5.10% ($1K min)
• EmigrantDirect - 5.10% (min $1K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• GMAC Bank - 5.05% (min $500)
• Self-Help Credit Union - 4.91% (min $500), my post
• Countrywide - 4.90% (min $10K)
• UmbrellaBank.com - 4.75% (min $1K)

60-Month Certificate of Deposit:

• Navy FCU - 5.60% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.50% (min $1K), my post
• Agriculture FCU - 5.50% (min $1K), my post
• Melrose CU - 5.46% (min $5K) my post
• USA FCU - 5.38% (min $1K) my post
• First State Bank - 5.35% ($1K min), my post
• Bank of Internet - 5.32% (min $1K) my post
• E-LOAN - 5.31% ($10K min), my post
• NetBank - 5.20% (min $1K), my post ($100 bonus)
• Presidential Bank - 5.13% (min $1K)
• Members Credit Union - 5.13% (min $2K), my post
• Fort Belvoir FCU - 5.13% (min $1K), my post
• VirtualBank - 5.10% (min $10K), my post
• Transportation Alliance Bank - 5.10% ($1K min)
• 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
• Self-Help Credit Union - 4.94% (min $500), my post
• ETrade Bank - 4.90% (min $1K), my post
• Countrywide - 4.90% (min $10K)
• UmbrellaBank.com - 4.75% (min $1K)

84-Month Certificate of Deposit:

• Navy FCU - 5.70% ($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% Money Market Account at Lockheed FCU ($10K Max)
• 5.46 Money Market Account with $250K initial deposit
• 5.40% Personal and Business Money Market Account with $100K balance
• 5.38% 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)
• 6.25% Reward Checking Account up to $50K (Tennessee)
• 6.10% Reward Checking Account at a Nevada CU (Clearstar Financial)
• 6.01% Reward Checking Account up to $50K (Florida)
• 6.01% Reward Checking Account up to $25K (Wisconsin)
• 6.01% Checking Account up to $100K (Massachusetts)
• 6.01% Checking Account up to $100K (Massachusetts)
• 6.01% Checking Account up to $25K (Little Rock)
• 6.01% Checking Account up to $25k (Arkansas)
• 6.01% Checking Account up to $25K (Colorado)
• 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)
• 5.50% 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% Free Checking at Capital One (Central Texas)
• 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
• Massachusetts 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
• Rhode Island deals and CD rates
• South Carolina deals and CD rates
• Tennessee deals and CD rates
• Texas deals and CD rates
• Washington State deals and CD rates
• Wisconsin deals and CD rates

Terms of 60 Months and Over

• 6.22% 60-Month CD at a California CU (Tucoemas)
• 6.08% 60-Month CD at a Washington State CU (Evergreen Direct)
• 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)
• 5.75% 60-Month CD at a Virginia CU (Apple)
• 5.70% 60-Month CD at a California CU - $90K Min (LBS Financial)
• 5.70% 60-Month CD at a Pennsylvania CU (Tri County Area)
• 5.65% 60-Month CD at a Texas CU (Greater Texas FCU)
• 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

• 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% 24-Month CD at a Ohio CU (Millstream Area)
• 5.80% 41-Month CD at a New Jersey CU (Tri-Co)
• 5.75% 35-Month CD at a Oregon CU (NW Preferred)
• 5.72% 24-Month CD at a Virginia CU (DuPont Fibers)
• 5.70% 48-Month CD at a California CU - $90K Min (LBS Financial)
• 5.69% 36-Month CD at a Nevada CU - Jumbo (Silver State Schools)
• 5.65% 24-Month CD at a Washington DC Credit Union Continues (Washington Telephone)
• 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)
• 5.55% 30-Month CD at a Missouri Bank (Bank of Washington)
• 5.54% 36-Month CD at a Florida CU (CFE)
• 5.50% 24-Month CD at a Florida Bank (Bay Cities)
• 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

• 10.47% 12-Month CD at a Michigan CU - $1K Max (Dearborn Village Community)
• 10.00% 12-Month CD at a New York CU - $2K Max (Palisades)
• 6.30% 14-Month CD at a Virginia CU (Apple)
• 6.25% 13-Month CD at a California CU - IRA (LA Financial)
• 5.88% 12-Month CD at a New York CU (Buffalo Postal Community)
• 5.84% 15-Month CD at a Georgia Bank (First National)
• 5.80% 12-Month CD at a Idaho CU (Pocatello Railroad)
• 5.75% 13-Month CD at a Georgia Bank (Haven Trust)
• 5.75% 12-Month CD at a Texas CU (Golden Key)
• 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)
• 5.70% 18-Month CD at a Georgia Bank (American Southern)
• 5.65% 12-Month CD at a Washington State CU (Evergreen Direct)
• 5.65% 12-Month CD at a Missouri Bank (St. Louis Bank)
• 5.65% 12-Month CD at a Colorado CU (Ent)
• 5.65% 18-Month CD at a Oregon CU (NW Preferred)
• 5.61% 14-Month CD at a Virginia CU (Reymet Community)
• 5.61% 13-Month CD at a Alabama CU (Credit Union of Alabama)
• 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% 18-Month CD at a New York CU (Countryside Community)
• 5.55% 12-Month CD at a Washington DC Credit Union Continues (Washington Telephone)
• 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)
• 5.50% 15-Month CD at a Missouri Bank (Table Rock Community)
• 5.50% 12-Month CD at a Massachusetts CU (Industrial)
• 5.50% 13-Month CD at a Michigan CU (Priority Community)
• 5.50% 13-Month CD at a Missouri Bank (Truman)
• 5.50% 12-Month CD at a Texas CU Continues (San Antonio)
• 5.50% 15-Month CD at a Illinois Bank (Community First Bank - Chicago)
• 5.50% 17-Month CD at a Kentucky CU Continues (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)
• 5.43% 13-Month CD at a South Carolina Bank (Community South Bank and Trust)
• 5.38% 15-Month CD at a Massachusetts Bank (Dedham Savings)

Terms of Under 12 Months

• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 7.00% 7-Month CD at a Texas/California CU - $7K Max (Premier America)
• 6.29% 11-Month CD at a New York/Pennsylvania CU (Visions)
• 6.17% 10-Month CD at a California CU (Harbor)
• 6.00% 10-Month CD at a Illinois CU - $20K Max (Land of Lincoln)
• 6.00% 6-Month CD at a New York CU (Empower)
• 6.00% 8-Month CD at a California CU (Santa Clara County)
• 6.00% 6-Month CD at a Florida CU - $20K Max (MIDFLORIDA)
• 6.00% 3-Month CD at a Virginia CU Continues (Arlington Virginia)
• 5.77% 7-Month CD at a Colorado Bank (Farmers State)
• 5.75% 9-Month CD at a Alabama CU (1st Capital)
• 5.75% 7-Month CD at a Pennsylvania CU (Clearview)
• 5.75% 11-Month CD at a Arizona/Texas Credit Union is Back (TruWest)
• 5.75% 6-Month CD at a Georgia Bank (Patriot Bank)
• 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% 7-Month CD at a California CU (Financial Partners)
• 5.70% 6-Month CD at a Georgia Bank (American Southern)
• 5.70% 9-Month CD at a Texas CU (San Antonio City Employees)
• 5.65% 11-Month CD at a South Florida Bank (Ocean Bank)
• 5.65% 6-Month CD at a Missouri Bank (St. Louis Bank)
• 5.65% 9-Month CD at a South Carolina CU (Anderson)
• 5.65% 9-Month CD at a Arizona CU (Arizona Federal)
• 5.64% 6-Month CD at a South Carolina CU (Georgetown Kraft)
• 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)
• 5.55% 11-Month CD at a Kansas Bank (The Bennington State)
• 5.55% 8-Month CD at a New York CU (Countryside Community)
• 5.55% 5-Month CD at a Georgia Bank (Sunrise Bank of Atlanta)
• 5.55% 9-Month CD at a Dallas Bank (Hillcrest)
• 5.55% 7-Month CD at a California CU (San Francisco)
• 5.55% 8-Month CD at a Missouri Bank (Bank of Washington)
• 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 Bank (Table Rock Community)
• 5.50% 7-Month CD at a Texas Bank (Equity)
• 5.50% 9-Month CD at a Michigan CU and a 7% $500-Max Checking (Community West)
• 5.50% 7-Month CD at a Kentucky CU Continues (Fort Knox)
• 5.50% 6-Month CD at a Missouri Bank (St. Louis)
• 5.50% 7-Month CD at a New Jersey CU (Tri-Co)
• 5.49% 9-Month CD at a South Carolina Bank (Bank of Anderson)
• 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 - 4.99% 7-day yield ($100 bonus and other info)
• Paypal Money Market Fund - 5.04% 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

[Update 5/1/07: fixed listed rate of PFF's savings account.]