Bank Deals Weekly Summary for June 16, 2007

Quick Link for Rates

On Tuesday the 10-year T-bill yield reached its highest level in more than 5 years. As I mentioned last week, we're starting to see higher rates on CDs. However, savings account rates have been steady. Banks that link their money market rates with the 91-day T-bill (such as Corus Bank) have been lowering their rates in the last month as short-term T-bill yields have dropped. Corus Bank's money market yield dropped again this week to 4.73% APY. In February Corus Bank's money market yield had been 5.16% APY. There have been a few online banks in the last few months that have lowered their savings account rates (Citibank, Capital One, Amboy Direct). Hopefully, the online banking competition will prevent this from being a common occurrence in the weeks ahead.

FNBO Direct and its 6% Savings Account Promo

The 6% promo at FNBO Direct continues to be the best savings account deal. An email sent out by FNBO Direct on Thursday has some people worried (see post). It appears this 6% promo has been very successful in attracting deposits. Perhaps it has been too successful for FNBO Direct. For this promo to be successful in the long term, FNBO Direct has a strong incentive to keep the online banking experience pleasant so when the promo ends on 9/28 and the rate drops, customers will be content to keep their money at FNBO Direct. So I don't expect FNBO Direct to do any widespread actions to inconvenience their customers. For more info on FNBO Direct, please see my overview post.

CD Rates Update

You can now get a 6% APY CD at a bank that's available nationally. It's at KeyDirect. Unfortunately, the CD has a 10 year term and requires a minimum $50K deposit. KeyDirect made some large rate increases this week on many of its long-term CDs (see post). I've added KeyDirect to my list below. Other banks that raised their CD rates this week include GMAC Bank, UFB Direct, Countrywide and IndyMac. Countrywide Bank just increased the yield on its 18-month CD from 5.15% to 5.50% APY (see post). IndyMac increased the yield on its 12-month CD from 5.10% to 5.45% APY. This rate also applies to its Internet Raise Your Rate CD which allows a one-time rate increase during the term if the rate should go up.

For credit unions with easy membership, Western FCU and Northrop Grumman FCU continue to offer very high rates on its CDs, although the long-term rates went down a bit this week. CD rates at Self-Help Credit Union (SHCU) went up again this week. SHCU's 60-month CD now has a yield of 5.58% APY. The nice thing about SHCU CDs is that you can make unlimited deposits during the term (see post). NASA FCU continues to offer a 5.80% APY 7-month CD, but this requires a checking account (see post).

Local CD Rates and Bonuses

I posted on a few new local 6% CD deals this week in Ohio, Georgia, Pennsylvania and Minnesota. For more local CD deals, refer to my local CD deal section below.

NuVision FCU in California is offering a very nice checking account promotion in which you can earn an iPod along with $100 in cash bonuses (see post). NuVision is another credit union in which you can be eligible to join via a membership into an organization open to all. However, you have to visit a branch to received these checking account bonuses. To see all my most recent posts on bank and credit union bonuses, please see this page.

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 Jun 9th, Jun 2nd, May 26th, May 19th, May 12th, May 5th, Apr 28th and Apr 21st.

Quick Links: Refer to the following links for the savings accounts and CDs that interest you: Liquid Account Rates: Savings Accounts, Special rates, Local checking/savings, Bank alternatives CD Rates: 3 Mo CDs, 6 Mo CDs, 9 Mo CDs, 12 Mo CDs, 18 Mo CDs, 24 Mo CDs, 36 Mo CDs, 48 Mo CDs, 60 Mo CDs, 84 Mo CDs, CDs by state Comments: read and discuss

As of June 16, 2007

Checking/Savings/Money Market Accounts:

• Checking/Savings Account Bonuses
• The Best Checking Accounts

• FNBO Direct - 6.00% (until 9/28) my post
• 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
• GMAC Bank - 5.30% MMA (min $500), my post
• iGobanking - 5.30%, my post
• Zions Bank - 5.30% MMA, outside of Utah, (min $1K) (5.36% $50K+), my post
• OneUnited - 5.30% (min $1K), my post
• grand yield direct - 5.27% (min $2.5K) my post
• WTDirect - 5.26% ($10K min), my post
• E-LOAN - 5.25% ($5K min), my post
• Transportation Alliance Bank - 5.25% (5.15% for MMA), ($25 min), my post
• 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
• 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)(5.25% for $25K+)
• Mutual Bank - 5.10% MMA (min $5K), my post
• Savings Square - 5.10%, my post
• Bank of America AAA/NEA - 5.08% MMA ($10K min) (5.35% for $50K+) my post
• EmigrantDirect - 5.05%, my post
• HSBC Direct - 5.05% ($50 related bonus) my post
• ETrade Bank - 5.05%, my post ($25 bonus)
• AmboyDirect - 5.05% (5.10% for $20K+), my post ($25 bonus)
• UnivestDirect - 5.05%, (4% checking), my post
• EverBank - 5.01% ($1.5K min), 6.01% 3-mo promo, my post
• CapitalOne/Costco - 5.00% MMA (min $5K, Costco members only, $50 deal for exec. members)
• Washington Mutual - 5.00% (requires checking), my post
• Salem Five Direct - 5.00% Checking (5.20% $25K+), 6.10% 2-mo promo and $25 bonus, my post
• ebank - 5.00% Checking ($2.5K min), my post
• Indymac Bank - 5.00% ($10K min)
• PFF Bank and Trust - 5.00% (min $1K), my post
• Citibank - 5.00%, requires checking account and bill pay usage, my post ($100 bonus)
• UmbrellaBank.com - 4.95% MMA (min $1K), my post
• Tennessee Commerce Bank - 4.84% (min $10K), my post
• MyBankingDirect - 4.75% MMA (min $5K), my post
• Capital One - 4.75% (MMA has same rate, but with checks and ATM. $100 min.), my post
• Corus Bank - 4.73% MMA (min $10K to open)
• 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)
• NetBank - 4.50% MMA ($500 min), 6-month intro rate, my post ($250 deal)
• ING Direct - 4.50%, (4% checking), my post ($25 bonus)
• 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
• Melrose CU - 4.06% (min $25) my post

3-Month Certificates of Deposit:

• ETrade Bank - 5.36% (min $1K), my post
• IndyMac Bank - 5.35% (min $5K), my post
• VirtualBank - 5.34% (min $10K), my post
• UFB Direct - 5.31% (min $8K)
• Countrywide - 5.30% (min $10K), my post
• Imperial Capital - 5.30%, ($2K min), my post
• FirstFedDirect - 5.26% (min $10K), my post
• UmbrellaBank.com - 5.25% (min $1K)
• GMAC Bank - 5.15% (min $500), my post
• EverBank - 5.00% ($1.5K min)
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• Self-Help Credit Union - 4.98% (min $500), my post
• Corus Bank - 4.73% (min $10K)

6-Month Certificates of Deposit:

• NASA FCU - 5.80% (7 months) (min $10K), my post
• IndyMac Bank - 5.46% (min $5K), my post
• Imperial Capital - 5.45%, ($2K min), my post
• Northrop Grumman FCU - 5.45% (min $40K), my post
• Western FCU - 5.45% (min $40K), my post
• UmbrellaBank.com - 5.42% (min $1K)
• Bank of Internet - 5.41% (min $1K) my post
• World Savings - 5.41% (min $10K), my post
• NetBank - 5.40% (min $1K)
• Countrywide - 5.40% (min $10K), my post
• Ascencia Bank - 5.40% (min $500)
• Tennessee Commerce Bank - 5.40% (min $5K)
• VirtualBank - 5.39% (min $10K), my post
• E-LOAN - 5.39% ($10K min), my post
• FirstFedDirect - 5.38% (min $10K), my post
• Corus Bank - 5.37% (min $10K)
• AmTrustDirect - 5.36% (min $1K) my post
• Self-Help Credit Union - 5.30% (min $500), my post
• iGobanking - 5.30% (min $500), my post
• GMAC Bank - 5.30% (min $500), my post
• UFB Direct - 5.25% (min $8K)
• Washington Mutual - 5.15% (min $1K), rates vary by state
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• EmigrantDirect - 5.10% (min $1K)
• ETrade Bank - 5.10% (min $1K), my post
• EverBank - 5.10% ($1.5K min)
• Security Savings - 5.10% (7 months) (min $500), my post
• 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:

• UmbrellaBank.com - 5.41% (min $1K)
• Bank of Internet - 5.41% (min $1K) my post
• Countrywide - 5.40% (min $10K), my post
• iGobanking - 5.40% (8 months) (min $500), my post
• AmTrustDirect - 5.36% (min $1K) my post
• GMAC Bank - 5.35% (min $500), my post
• FirstFedDirect - 5.30% (min $10K), my post
• Imperial Capital - 5.25% ($2K min), my post
• ING Direct - 5.25%, my post
• EverBank - 5.20% ($1.5K min)
• IndyMac Bank - 5.10% (min $5K), my post
• 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
• Western FCU - 5.51% (min $40K), my post
• IndyMac Bank - 5.45% (min $5K), my post
• Bank of Internet - 5.45% (min $1K) my post
• AmTrustDirect - 5.41% (min $1K) my post
• E-LOAN - 5.41% ($10K min), my post
• GMAC Bank - 5.40% (min $500), my post
• Ascencia Bank - 5.40% (min $500)
• UmbrellaBank.com - 5.40% (min $1K)
• Tennessee Commerce Bank - 5.40% (min $5K)
• La Jolla Bank - 5.40% (min $10K), my post
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• Countrywide - 5.40% (min $10K)
• Transportation Alliance Bank - 5.39% ($1K min)
• Self-Help Credit Union - 5.38% (min $500), my post
• Corus Bank - 5.37% (min $10K)
• Imperial Capital - 5.35% ($2K min), my post
• UFB Direct - 5.35% (min $8K)
• Mutual Bank - 5.35% (min $2.5K) my post
• FirstFedDirect - 5.31%, (min $10K) my post
• iGobanking - 5.30% (min $500), my post
• Air Force FCU - 5.30% (min $12.5K) restrictions to membership, my post
• KeyDirect - 5.30% (min $5K), my post
• AmboyDirect - 5.25% (min $10K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• ING Direct - 5.25%, my post
• Navy FCU - 5.20% ($20K min) restrictions to membership, my post
• Melrose CU - 5.20% (min $5K) my post
• Discover Bank - 5.20% (min $2.5K)
• EverBank - 5.15% ($1.5K min)
• GTE FCU - 5.12% (min $500) my post
• ETrade Bank - 5.11% (min $1K), my post
• EmigrantDirect - 5.10% (min $1K)
• Washington Mutual - 5.05% (min $1K), my post
• VirtualBank - 5.05% (min $10K), my post

18-Month Certificates of Deposit:

• Countrywide - 5.50% (min $10K)
• Bank of Internet - 5.46% (min $1K) my post
• GMAC Bank - 5.40% (min $500)
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• E-LOAN - 5.31% ($10K min), my post
• iGobanking - 5.30% (min $500), my post
• ING Direct - 5.25%, my post
• Discover Bank - 5.20% (min $2.5K)
• Discover Bank - 5.20% (min $2.5K)
• Security Savings - 5.20% (17 months) (min $500), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• AmTrustDirect - 5.15% (min $1K) my post
• EmigrantDirect - 5.10% (min $1K)
• ETrade Bank - 5.00% (min $1K), my post

24-Month Certificates of Deposit:

• Northrop Grumman FCU - 5.58% (min $40K), my post
• Western FCU - 5.58% (min $40K), my post
• Mutual Bank - 5.47% (min $5K) my post
• Bank of Internet - 5.46% (min $1K) my post
• GMAC Bank - 5.45% (min $500)
• Self-Help Credit Union - 5.43% (min $500), my post
• Air Force FCU - 5.40% (min $12.5K) restrictions to membership, my post
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• UFB Direct - 5.35% (min $8K)
• KeyDirect - 5.35% (min $5K), my post
• Transportation Alliance Bank - 5.34% ($1K min)
• E-LOAN - 5.31% ($10K min), my post
• Navy FCU - 5.30% ($20K min) restrictions to membership, my post
• Melrose CU - 5.20% (min $5K) my post
• Discover Bank - 5.20% (min $2.5K)
• Presidential Bank - 5.13% (min $1K)

36-Month Certificate of Deposit:

• Northrop Grumman FCU - 5.67% (min $40K), my post
• Western FCU - 5.67% (min $40K), my post
• Air Force FCU - 5.50% (min $12.5K) restrictions to membership, my post
• Self-Help Credit Union - 5.48% (min $500), my post
• Mutual Bank - 5.47% (min $5K) my post
• Bank of Internet - 5.46% (min $1K) my post
• GMAC Bank - 5.45% (min $500)
• KeyDirect - 5.45% (min $5K), my post
• UFB Direct - 5.40% (min $8K)
• NetBank - 5.38% (min $1K), my post ($100 bonus)
• Navy FCU - 5.35% ($20K min) restrictions to membership, my post
• First State Bank - 5.35% ($1K min), my post
• Transportation Alliance Bank - 5.34% ($1K min)
• E-LOAN - 5.31% ($10K min), my post
• Agriculture FCU - 5.20% (min $1K), my post
• Melrose CU - 5.20% (min $5K) my post
• Discover Bank - 5.20% (min $2.5K)
• Countrywide - 5.15% (min $10K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• EmigrantDirect - 5.10% (min $1K)
• AmTrustDirect - 5.00% (min $1K) my post
• ETrade Bank - 5.00% (min $1K), my post
• Pentagon Federal CU - 5.00% (min $1K), my post
• Fort Belvoir FCU - 4.97% (min $1K), my post

48-Month Certificate of Deposit:

• Northrop Grumman FCU - 5.78% (min $40K), my post
• Western FCU - 5.78% (min $40K), my post
• KeyDirect - 5.55% (min $5K), my post
• Self-Help Credit Union - 5.53% (min $500), my post
• Bank of Internet - 5.46% (min $1K) my post
• GMAC Bank - 5.45% (min $500)
• Navy FCU - 5.40% ($20K min) restrictions to membership, my post
• First State Bank - 5.35% ($1K min), my post
• NetBank - 5.35% (min $1K), my post ($100 bonus)
• Transportation Alliance Bank - 5.34% ($1K min)
• E-LOAN - 5.31% ($10K min), my post
• USA FCU - 5.22% (min $1K) my post
• Agriculture FCU - 5.20% (min $1K), my post
• Melrose CU - 5.20% (min $5K) my post
• Discover Bank - 5.20% (min $2.5K)
• Countrywide - 5.15% (min $10K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• EmigrantDirect - 5.10% (min $1K)
• Fort Belvoir FCU - 5.07% (min $1K), my post
• Pentagon Federal CU - 5.00% (min $1K), my post

60-Month Certificate of Deposit:

• Northrop Grumman FCU - 5.88% (min $40K), my post
• Western FCU - 5.88% (min $40K), my post
• KeyDirect - 5.65% (min $5K), my post
• Self-Help Credit Union - 5.58% (min $500), my post
• Navy FCU - 5.50% ($20K min) restrictions to membership, my post
• Air Force FCU - 5.50% (min $12.5K) restrictions to membership, my post
• Bank of Internet - 5.46% (min $1K) my post
• GMAC Bank - 5.45% (min $500)
• E-LOAN - 5.41% ($10K min), my post
• UFB Direct - 5.40% (min $8K)
• Agriculture FCU - 5.35% (min $1K), my post
• First State Bank - 5.35% ($1K min), my post
• Transportation Alliance Bank - 5.34% ($1K min)
• NetBank - 5.30% (min $1K), my post ($100 bonus)
• USA FCU - 5.27% (min $1K) my post
• Melrose CU - 5.25% (min $5K) my post
• Discover Bank - 5.20% (min $2.5K)
• Countrywide - 5.15% (min $10K)
• Members Credit Union - 5.13% (min $2K), my post
• Presidential Bank - 5.13% (min $1K)
• AmTrustDirect - 5.10% (min $1K) my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• EmigrantDirect - 5.10% (min $1K)
• VirtualBank - 5.10% (min $10K), my post
• ETrade Bank - 5.10% (min $1K), my post
• Fort Belvoir FCU - 5.07% (min $1K), my post
• ebank - 5.00% (min $1K), 5.35% for ePremium checking customers
• Pentagon Federal CU - 5.00% (min $1K), my post

84-Month Certificate of Deposit:

• KeyDirect - 5.85% (min $5K) (6% for $50k+ and 10yr), my post
• Navy FCU - 5.60% ($20K min) restrictions to membership, my post
• Countrywide - 5.15% (min $10K)
• EmigrantDirect - 5.10% (min $1K)
• Pentagon Federal CU - 5.00% (min $1K), my post

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
• 5.37 Money Market Account with $250K initial deposit
• 5.40% Personal and Business Money Market Account with $100K balance
• 5.35% Money Market Account at Bank of America with $50K+

Checking and Saving Accounts at Local Banks/Credit Unions

• Local High Yield Reward Checking Accounts
• 6.00% Savings Account for 118 Days at AmTrust (Ohio)
• 6.00% 3-Month Money Market Promo at Amboy (New Jersey)
• 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)
• 5.00% Free Checking at Capital One (Central Texas)
• 5.00% Money Market Account (Utah)

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

• Alabama deals and CD rates
• Arizona deals and CD rates
• California deals and CD rates
• Colorado deals and CD rates
• Connecticut deals and CD rates
• District of Columbia 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
• Maine 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
• West Virginia deals and CD rates
• Wisconsin deals and CD rates

Terms of 60 Months and Over

• 6.15% 60-Month CD at a Utah CU (Pacific Rails)
• 6.02% 60-Month CD at a South Carolina CU - $100K+ (SAFE FCU)
• 6.00% 72-Month CD at a DC Credit Union (Bank-Fund Staff)
• 5.90% 72-Month CD at a Missouri Bank - and 6.11% IRA (Garden City)
• 5.65% 60-Month CD at a Washington State Bank (Westsound)

Terms of 24 Months to Under 60 Months

• 5.75% 48-Month CD at a Colorado CU (Western Rockies)
• 5.65% 41-Month CD at a New York/Pennsylvania CU (Visions)
• 5.65% 36-Month CD at a Oklahoma CU (Central Oklahoma)
• 5.59% 36-Month CD at a Kansas Bank (Town & Country)
• 5.50% 24-Month CD at a Washington DC Credit Union (Signal Financial)
• 5.50% 24-Month CD at a Colorado CU (Western Rockies)
• 5.50% 36-Month CD at a New York Bank (LibertyPointe)
• 5.50% 24-Month CD at a New York Bank (LibertyPointe)
• 5.50% 34-Month CD at a Virginia CU (NMA)

Terms of 12 Months to Under 24 Months

• 12.00% 12-Month CD at a Texas / California CU - $1.2K Max (Premier America)
• 6.12% 12-Month CD at a Kentucky CU - $50K Max (Members Heritage)
• 6.00% 13-Month CD at a Ohio CU (Sun Center)
• 6.00% 15-Month CD at a South Carolina CU Continues (MCAS Beaufort)
• 5.85% 12-Month CD at a Utah CU (Pacific Rails)
• 5.75% 13-Month CD at a Multi-State CU (Chartway) - up to 6.51% possible
• 5.75% 12-Month CD at a Georgia Bank (Alpha)
• 5.75% 13-Month CD at a Missouri Bank Continues (Champion)
• 5.75% 19-Month CD at a Indiana CU (Afena)
• 5.70% 12-Month CD at a Georgia Bank (American Southern)
• 5.65% 12-Month CD at a Georgia Bank (Alpha)
• 5.65% 13-Month CD at a Washington State CU Continues (WSE)
• 5.61% 12-Month CD at a Texas CU (El Paso Employees)
• 5.60% 14-Month CD at a Nebraska Bank (First National Bank Omaha)
• 5.56% 12-Month CD at a California CU (Redwood)
• 5.55% 20-Month CD at a Illinois CU - Open To All (Consumers)
• 5.55% 14-Month CD at a Alabama CU (Guardian)
• 5.55% 13-Month CD at a Florida CU (Sunshine State)
• 5.54% 12-Month CD at a Kansas Bank (Town & Country)
• 5.50% 13-Month CD at a Florida CU (Jax Federal)
• 5.50% 17-Month CD at a Missouri Bank (WestBridge)
• 5.50% 12-Month CD at a Missouri Bank (WestBridge)
• 5.50% 23-Month CD at a California Bank (Pacific State)
• 5.50% 18-Month CD at a California Bank (Pacific State)
• 5.50% 12-Month CD at a New York CU (Countryside Community)
• 5.50% 18-Month CD at a Washington State Bank (Westsound)
• 5.50% 12-Month CD at a Texas Bank (First National Bank Southwest)
• 5.50% 12-Month CD at a FL/NY/MA/VT Bank (Trustco)
• 5.50% 12-Month CD at a Nevada Bank (Silver State)
• 5.50% 12-Month CD at a California CU (San Mateo)
• 5.50% 12-Month CD at a Pennsylvania CU (PA HealthCare)
• 5.50% 15-Month CD at a North Carolina CU Continues (Coastal) - Easy Membership
• 5.50% 18-Month CD at a Maryland Bank (Fidelity & Trust)
• 5.50% 12-Month CD at a Texas CU (West Texas)
• 5.50% 12-Month CD at a California Bank - with withdrawal feature (Vineyard)
• 5.49% 12-Month CD at a Alabama CU (APCO Employees)
• 5.45% 12-Month CD at a Tennessee CU - 5.55% Jumbo (Eastman)
• 5.45% 12-Month CD at a Chicago Bank (Builders)
• 5.45% 12-Month CD at a Arizona Bank (Choice Bank)
• 5.43% 12-Month CD at a Florida Bank (First Commercial)

Terms of Under 12 Months

• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 7.15% 5-Month CD at a Georgia Bank - $25K Max (First Citizens Bank of Georgia)
• 7.00% 7-Month CD at a California / Texas CU - $7K Max (Premier America)
• 6.17% 9-Month CD at a Virginia CU (Langley)
• 6.09% 6-Month CD at a Minnesota Bank (White Rock)
• 6.06% 8-Month CD at a Pennsylvania CU (Pittsburgh Teachers)
• 6.00% 5-Month CD at a New Jersey Bank (Valley National)
• 6.00% 6-Month CD at a Georgia Bank (Alpha)
• 5.75% 7-Month CD at a Missouri Bank Continues (Champion)
• 5.70% 5-Month CD at a FL/NY/TX Bank (Commercebank)
• 5.70% 6-Month CD at a Georgia Bank (American Southern)
• 5.70% 8-Month CD at a California CU (The Golden 1) - with Worry-Free Feature
• 5.65% 6-Month CD at a New York/Pennsylvania CU (Visions)
• 5.65% 6-Month CD at a Georgia Bank (Alpha)
• 5.64% 6-Month CD at a Virginia Bank (Sonabank)
• 5.64% 9-Month CD at a Massachusetts CU (Harvard University Employees)
• 5.60% 10-Month CD at a Tennessee Bank (Reliant)
• 5.60% 6-Month CD at a Los Angeles Bank (California Business)
• 5.55% 11-Month CD at a Florida Bank (TransCapital)
• 5.55% 4-Month CD at a Florida Bank (TransCapital)
• 5.55% 11-Month CD at a California CU Continues (Pacific Service)
• 5.55% 9-Month CD at a Dallas Bank (One World)
• 5.55% 6-Month CD at a Alabama CU (APCO Employees)
• 5.53% 9-Month CD at a Washington State CU (Harborstone)
• 5.52% 7-Month CD at a Florida Bank (First Commercial)
• 5.51% 9-Month CD at a Texas Bank (First Community Bank)
• 5.50% 7-Month CD at a Massachusetts Bank (Ipswich Co-operative)
• 5.50% 7-Month CD at a Florida CU (Jax Federal)
• 5.50% 9-Month CD at a Washington State CU (Sound)
• 5.50% 8-Month CD at a Florida Bank (Third Federal)
• 5.50% 5-Month CD at a California Bank (Los Padres)
• 5.50% 5-Month CD at a Michigan Bank (Bank of Auburn Hills)
• 5.50% 9-Month CD at a Michigan Bank (Bank of Auburn Hills)
• 5.50% 11-Month CD at a Oregon CU (OnPoint Community)
• 5.50% 6-Month CD at a Nevada Bank (Silver State)
• 5.50% 4-Month CD at a DC Bank (Bank of Georgetown)
• 5.50% 9-Month CD at a Colorado CU (Power)
• 5.50% 6-Month CD at a California CU (Dow) - and 6.03% IRA
• 5.50% 9-Month CD at a Maine CU (PeoplesChoice)
• 5.40% 9-Month CD at a New York Bank (Astoria Federal Savings)

Bank Account Alternatives

• Money Magazine article on risk-free investments
• TIAA-CREF Money Market Fund - 5.18% 7-day yeild
• Vanguard Prime Money Market Fund - 5.12% 7-day yield
• Paypal Money Market Fund - 5.04% 7-day yield (1% cashback debit MasterCard)
• Fidelity Money Market Fund - 4.99% 7-day yield ($100 bonus and other info)
• FW Thread on Treasury Bills
• I Bond Rate Starting Nov 2006, I Bond Article, I Bonds as CD Alternatives
• SmartMoney Brokerage Survey

Historical Rates from the Federal Reserve (Federal funds, Treasury bills, CD's)