Bank Deals Weekly Summary for July 28, 2007

Quick Link for Rates

This was a quiet week for online savings accounts with no significant rate changes. However, there are signs of future rate drops. With the large stock declines this week, investors are retreating to the safety of government debt, and this is pushing down Treasury yields. The subprime problems may continue to weigh on both the stock market and the economy. This might mean lower interest rates (see Bloomberg article).

Lower interest rates were definitely noticeable this week with CDs. CD rates fell at several online banks including GMAC Bank, E-LOAN, ETrade, EverBank, Indymac, Netbank, Ascencia and KeyDirect. Also, CD rates fell at the several credit unions including the two which have had some top Jumbo CD rates: Northrop Grumman FCU and Western FCU.

6% Money Market Account and CD Deals

Those who have money in FNBO Direct's 6% savings account, may want to jump on 6% CDs to lock in the 6%. After FNBO's promo ends in September, it may be very difficult to find 6% deals. There are currently some 6% deals, but they're not lasting long. A good example was this week's 6% 10-month CD special at Agriculture FCU (a credit union with easy membership). The promo started Monday and ended Friday. There's still the 6% 10-month CD special at Navy FCU, but unfortunately, Navy FCU doesn't have an easy way to qualify for membership (see post).

For those in Arizona, you have until the end of this month to take advantage of AmTrust's 6% money market promo with the 6% guaranteed to last for 118 days (see post).

Some new local 6% deals that I posted this week include a 6% 6-month money market promo for those in Chicago (see post) and a 6% 7-month CD in the Bay area of California (see post).

7% CD Deals

The best local deal continues to be at Clackamas Community FCU in Oregon. They're offering a 7.79% APY 5-month CD with no deposit cap (see post). Another 7% deal is currently available at Chartway FCU, but this one has a $7K deposit cap unless you can refer new members (see post).

For more local CD deals, refer to my local CD deal section below.

Checking Account Bonuses

I posted on a few new checking account bonuses this week. KeyBank is offering an iPod nano for its free checking account. This is only available in certain states (see post). I also posted on a $120 checking account bonus at a northern Indiana credit union (see post). Two good ones which I posted on the week before are still available. One is a $150 checking account bonus that's available to those in all states (see post) and the other is a $200 bonus or an iPod nano for those in the Chicago metro area (see post). To see all of the latest bank bonues, please refer to my bank bonus 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 July 21st, July 14th, July 7th, Jun 30th, Jun 23rd, Jun 16th, Jun 9th and Jun 2nd.

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 July 28, 2007

Checking/Savings/Money Market Accounts:

• Checking/Savings Account Bonuses
• The Best Checking Accounts - Including Reward Checking

• FNBO Direct - 6.00% (until 9/28) my post
• AmTrustDirect - 5.36%, 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) (5.36% $50K+), my post
• iGobanking - 5.30%, my post
• GMAC Bank - 5.30% MMA (min $500), my post
• Flagstar - 5.30% MMA, my post
• grand yield direct - 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
• E-LOAN - 5.25% ($5K min), my post
• Direct Huntington - 5.20% ($1K min), my post
• Discover Bank - 5.20% MMA (min $10K)(5.35% for $50K+)
• FirstFedDirect - 5.16% (min $1K) (closed to CA residents), my post
• Savings Square - 5.10%, my post
• Mutual Bank - 5.10% MMA (min $5K), my post
• Bank of America AAA/NEA - 5.08% MMA ($10K min) (5.35% for $50K+) my post
• Heartland Bank Direct - 5.05%, ($500 min), my post ($50 bonus)
• UnivestDirect - 5.05%, (4% checking), my post
• AmboyDirect - 5.05% (5.10% for $20K+), my post ($25 bonus)
• ETrade Bank - 5.05%, my post ($25 bonus)
• HSBC Direct - 5.05% ($50 related bonus) my post
• EmigrantDirect - 5.05%, my post
• EverBank - 5.01% ($1.5K min), 6.01% 3-mo promo, my post
• Citibank - 5.00%, requires checking account and bill pay usage, my post ($100 bonus)
• PFF Bank and Trust - 5.00% (min $1K), my post
• Indymac Bank - 5.00% ($10K min)
• ebank - 5.00% Checking ($2.5K min), my post
• Salem Five Direct - 5.00% Checking (5.20% $25K+), 6.10% 2-mo promo and $25 bonus, 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)
• Corus Bank - 4.99% MMA (min $10K to open)
• Tennessee Commerce Bank - 4.97% (min $10K), my post
• UmbrellaBank.com - 4.95% MMA (min $1K), 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
• 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:

• IndyMac Bank - 5.35% (min $5K), my post
• VirtualBank - 5.34% (min $10K), my post
• UFB Direct - 5.31% (min $8K)
• Element Financial - 5.30% (min $5K), my post
• Imperial Capital - 5.30%, ($2K min), my post
• Countrywide - 5.30% (min $10K), my post
• FirstFedDirect - 5.26% (min $10K), my post
• UmbrellaBank.com - 5.25% (min $1K)
• National Bank of KC - 5.25% (min $10K), my post
• GMAC Bank - 5.15% (min $500), my post
• ETrade Bank - 5.10% (min $1K), my post
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• EverBank - 5.00% ($1.5K min)
• Corus Bank - 4.99% (min $10K)
• Self-Help Credit Union - 4.98% (min $500), my post

6-Month Certificates of Deposit:

• NASA FCU - 5.65% (7 months) (min $5K), my post
• IndyMac Bank - 5.46% (min $5K), my post
• Imperial Capital - 5.45%, ($2K min), my post
• Western FCU - 5.44% (min $40K), my post
• Northrop Grumman FCU - 5.44% (min $40K), my post
• VirtualBank - 5.44% (min $10K), my post
• UmbrellaBank.com - 5.42% (min $1K)
• World Savings - 5.41% (5 months) (min $10K), my post
• Element Financial - 5.40% (min $5K), my post
• Corus Bank - 5.40% (min $10K)
• Tennessee Commerce Bank - 5.40% (min $5K)
• Countrywide - 5.40% (min $10K), my post
• FirstFedDirect - 5.38% (min $10K), my post
• AmTrustDirect - 5.36% (min $1K) my post
• Washington Mutual - 5.35% (min $1K), my post
• NetBank - 5.35% (min $1K)
• Ascencia Bank - 5.33% (min $500), my post
• GMAC Bank - 5.30% (min $500), my post
• iGobanking - 5.30% (min $500), my post
• E-LOAN - 5.30% ($10K min), my post
• UFB Direct - 5.25% (min $8K)
• Self-Help Credit Union - 5.25% (min $500), my post
• National Bank of KC - 5.25% (min $10K), my post
• ETrade Bank - 5.20% (min $1K), my post
• Flagstar - 5.20% (min $500), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• ING Direct - 5.15%, my post
• EmigrantDirect - 5.10% (min $1K)
• EverBank - 5.10% ($1.5K min)
• Wells Fargo - 4.90% (5 months) (min $5K), rate and min vary by state, my post
• Bank of Internet - 4.80% (min $1K) my post

9-Month Certificates of Deposit:

• Navy FCU - 6.00% (10 months) ($10K min) restrictions to membership, my post
• Air Force FCU - 5.50% (min $1K) restrictions to membership, my post
• Patelco CU - 5.50% ($1K min), not NCUA insured, my post
• World Savings - 5.46% (8 months) branch-only (min $10K), my post
• UmbrellaBank.com - 5.41% (min $1K)
• iGobanking - 5.40% (8 months) (min $500), my post
• Countrywide - 5.40% (min $10K), my post
• Element Financial - 5.37% (min $5K), my post
• AmTrustDirect - 5.36% (min $1K) my post
• VirtualBank - 5.34% (min $10K), my post
• FirstFedDirect - 5.30% (min $10K), my post
• GMAC Bank - 5.30% (min $500), my post
• ING Direct - 5.25%, my post
• Imperial Capital - 5.25% ($2K min), my post
• National Bank of KC - 5.25% (min $10K), my post
• EverBank - 5.20% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)
• IndyMac Bank - 5.10% (min $5K), my post
• Bank of Internet - 4.90% (min $1K) my post

12-Month Certificates of Deposit:

• VirtualBank - 5.55% (min $10K), my post
• IndyMac Bank - 5.46% (min $5K), my post
• Tennessee Commerce Bank - 5.45% (min $5K)
• Element Financial - 5.41% (min $5K), my post
• AmTrustDirect - 5.41% (min $1K) my post
• Ascencia Bank - 5.41% (min $500), my post
• Corus Bank - 5.40% (min $10K)
• La Jolla Bank - 5.40% (min $10K), my post
• UmbrellaBank.com - 5.40% (min $1K)
• Flagstar - 5.40% (min $500), my post
• Transportation Alliance Bank - 5.39% ($1K min)
• Western FCU - 5.37% (min $40K), my post
• Northrop Grumman FCU - 5.37% (min $40K), my post
• E-LOAN - 5.36% ($10K min), my post
• Washington Mutual - 5.35% (min $1K), my post
• ING Direct - 5.35%, my post
• Mutual Bank - 5.35% (min $2.5K) my post
• UFB Direct - 5.35% (min $8K)
• Imperial Capital - 5.35% ($2K min), my post
• NetBank - 5.35% (min $1K), my post ($100 bonus)
• GMAC Bank - 5.35% (min $500), my post
• FirstFedDirect - 5.31%, (min $10K) my post
• Air Force FCU - 5.30% (min $12.5K) restrictions to membership, my post
• iGobanking - 5.30% (min $500), my post
• Countrywide - 5.30% (min $10K)
• Discover Bank - 5.30% (min $2.5K)
• ETrade Bank - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• National Bank of KC - 5.25% (min $10K), my post
• EverBank - 5.23% ($1.5K min)
• Self-Help Credit Union - 5.23% (min $500), my post
• Melrose CU - 5.20% (min $5K) my post
• Navy FCU - 5.20% ($20K min) restrictions to membership, my post
• AmboyDirect - 5.15% (min $10K), my post
• GTE FCU - 5.12% (min $500) my post
• EmigrantDirect - 5.10% (min $1K)
• Bank of Internet - 5.10% (min $1K) my post
• KeyDirect - 5.09% (min $5K), my post

18-Month Certificates of Deposit:

• Bank of Internet - 5.46% (min $1K) my post
• Tennessee Commerce Bank - 5.45% (min $5K)
• NetBank - 5.40% (min $1K), my post ($100 bonus)
• Element Financial - 5.40% (min $5K), my post
• VirtualBank - 5.39% (min $10K), my post
• E-LOAN - 5.36% ($10K min), my post
• AmTrustDirect - 5.35% (min $1K) my post
• iGobanking - 5.30% (min $500), my post
• Discover Bank - 5.30% (min $2.5K)
• ING Direct - 5.25%, my post
• National Bank of KC - 5.25% (min $10K), my post
• GMAC Bank - 5.25% (min $500)
• ETrade Bank - 5.25% (min $1K), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• Countrywide - 5.15% (min $10K)
• EverBank - 5.15% ($1.5K min)
• EmigrantDirect - 5.10% (min $1K)

24-Month Certificates of Deposit:

• Ascencia Bank - 5.50% (min $500), my post
• Transportation Alliance Bank - 5.48% ($1K min)
• Mutual Bank - 5.47% (min $5K) my post
• Tennessee Commerce Bank - 5.46% (min $5K)
• Bank of Internet - 5.46% (min $1K) my post
• Element Financial - 5.40% (min $5K), my post
• Air Force FCU - 5.40% (min $12.5K) restrictions to membership, my post
• VirtualBank - 5.39% (min $10K), my post
• UFB Direct - 5.35% (min $8K)
• AmTrustDirect - 5.35% (min $1K) my post
• Washington Mutual - 5.35% (min $1K), my post
• NetBank - 5.35% (min $1K), my post ($100 bonus)
• E-LOAN - 5.35% ($10K min), my post
• Western FCU - 5.32% (min $40K), my post
• Northrop Grumman FCU - 5.32% (min $40K), my post
• Navy FCU - 5.30% ($20K min) restrictions to membership, my post
• Discover Bank - 5.30% (min $2.5K)
• National Bank of KC - 5.25% (min $10K), my post
• Melrose CU - 5.20% (min $5K) my post
• GMAC Bank - 5.20% (min $500)
• Presidential Bank - 5.13% (min $1K)
• EverBank - 5.13% ($1.5K min)
• KeyDirect - 5.09% (min $5K), my post
• Self-Help Credit Union - 5.00% (min $500), my post

36-Month Certificate of Deposit:

• Transportation Alliance Bank - 5.50% ($1K min)
• Air Force FCU - 5.50% (min $12.5K) restrictions to membership, my post
• Mutual Bank - 5.47% (min $5K) my post
• Bank of Internet - 5.46% (min $1K) my post
• Element Financial - 5.40% (min $5K), my post
• UFB Direct - 5.40% (min $8K)
• VirtualBank - 5.39% (min $10K), my post
• First State Bank - 5.35% ($1K min), my post
• Navy FCU - 5.35% ($20K min) restrictions to membership, my post
• Washington Mutual - 5.35% (min $1K), my post
• Western FCU - 5.35% (min $40K), my post
• Northrop Grumman FCU - 5.35% (min $40K), my post
• E-LOAN - 5.35% ($10K min), my post
• NetBank - 5.33% (min $1K), my post ($100 bonus)
• AmTrustDirect - 5.30% (min $1K) my post
• Discover Bank - 5.30% (min $2.5K)
• ETrade Bank - 5.30% (min $1K), my post
• National Bank of KC - 5.25% (min $10K), my post
• Melrose CU - 5.20% (min $5K) my post
• Agriculture FCU - 5.20% (min $1K), my post
• GMAC Bank - 5.20% (min $500)
• EverBank - 5.16% ($1.5K min)
• Countrywide - 5.15% (min $10K)
• EmigrantDirect - 5.10% (min $1K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• KeyDirect - 5.09% (min $5K), my post
• Self-Help Credit Union - 5.02% (min $500), my post
• Pentagon Federal CU - 5.00% (min $1K), my post

48-Month Certificate of Deposit:

• Transportation Alliance Bank - 5.50% ($1K min)
• Bank of Internet - 5.46% (min $1K) my post
• Western FCU - 5.43% (min $40K), my post
• Northrop Grumman FCU - 5.43% (min $40K), my post
• Element Financial - 5.40% (min $5K), my post
• Navy FCU - 5.40% ($20K min) restrictions to membership, my post
• VirtualBank - 5.39% (min $10K), my post
• First State Bank - 5.35% ($1K min), my post
• Washington Mutual - 5.35% (min $1K), my post
• E-LOAN - 5.35% ($10K min), my post
• Agriculture FCU - 5.30% (min $1K), my post
• Discover Bank - 5.30% (min $2.5K)
• NetBank - 5.30% (min $1K), my post ($100 bonus)
• National Bank of KC - 5.25% (min $10K), my post
• GMAC Bank - 5.25% (min $500)
• EverBank - 5.22% ($1.5K min)
• Melrose CU - 5.20% (min $5K) my post
• Countrywide - 5.15% (min $10K)
• USA FCU - 5.12% (min $1K) my post
• EmigrantDirect - 5.10% (min $1K)
• ebank - 5.10% (min $1K), 5.35% for ePremium checking customers
• Self-Help Credit Union - 5.10% (min $500), my post
• KeyDirect - 5.09% (min $5K), my post
• Pentagon Federal CU - 5.00% (min $1K), my post

60-Month Certificate of Deposit:

• Bank of Internet - 5.51% (min $1K) my post
• Western FCU - 5.51% (min $40K), my post
• Northrop Grumman FCU - 5.51% (min $40K), my post
• Transportation Alliance Bank - 5.50% ($1K min)
• Air Force FCU - 5.50% (min $12.5K) restrictions to membership, my post
• Navy FCU - 5.50% ($20K min) restrictions to membership, my post
• E-LOAN - 5.50% ($10K min), my post
• ETrade Bank - 5.47% (min $1K), my post
• Element Financial - 5.45% (min $5K), my post
• UFB Direct - 5.40% (min $8K)
• VirtualBank - 5.39% (min $10K), my post
• Washington Mutual - 5.35% (min $1K), my post
• First State Bank - 5.35% ($1K min), my post
• Agriculture FCU - 5.35% (min $1K), my post
• AmTrustDirect - 5.30% (min $1K) my post
• Discover Bank - 5.30% (min $2.5K)
• USA FCU - 5.27% (min $1K) my post
• EverBank - 5.27% ($1.5K min)
• Melrose CU - 5.25% (min $5K) my post
• NetBank - 5.25% (min $1K), my post ($100 bonus)
• National Bank of KC - 5.25% (min $10K), my post
• GMAC Bank - 5.25% (min $500)
• KeyDirect - 5.24% (min $5K), my post
• Self-Help Credit Union - 5.16% (min $500), my post
• Countrywide - 5.15% (min $10K)
• Presidential Bank - 5.13% (min $1K)
• EmigrantDirect - 5.10% (min $1K)
• Pentagon Federal CU - 5.00% (min $1K), my post
• ebank - 5.00% (min $1K), 5.35% for ePremium checking customers

84-Month Certificate of Deposit:

• Navy FCU - 5.60% ($20K min) restrictions to membership, my post
• KeyDirect - 5.49% (min $5K) (5.55% for $50k+ and 10yr), 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 or Large Balances - Open to All

• Latest CD and Savings Account Deals with No Major Deposit Limitiations
• 6.01% Reward Checking Account at State Bank of Toledo
• 6.01% Reward Checking Account at Provident Credit Union
• 6.01% Everbank 3-month intro rate on checking account
• 5.60% Reward Checking Account at First National Bank
• 5.56% 5-Year / 5.51% 1-Year CD at Statebank of India ($95K+)
• 5.49% 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 (Arizona)
• 6.00% 6-Month Money Market Promo at a American Bank of New Jersey Branch
• 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
• Missouri deals and CD rates
• Montana deals and CD rates
• Nevada deals and CD rates
• New Hampshire deals and CD rates
• New Jersey deals and CD rates
• New Mexico deals and CD rates
• New York deals and CD rates
• North Carolina deals and CD rates
• Ohio deals and CD rates
• Oklahoma 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

• 6.04% 60-Month CD at a Multi-State CU (Bayer Heritage)
• 6.02% 60-Month CD at a California CU (Bay Federal)
• 6.00% 61-Month CD at a Michigan CU (Telcom)
• 6.00% 60-Month CD at a Indiana CU (Indiana Members)
• 6.00% 60-Month CD at a California CU (The Golden 1)
• 6.00% 60-Month CD at a Ohio Credit Union (CES)
• 6.00% 60-Month CD at a Minnesota CU (SMW)
• 5.92% 60-Month CD at a Texas CU (Greater Texas FCU)
• 5.69% 60-Month CD at a California CU (Coast Central)
• 5.65% 60-Month CD at a Pennsylvania CU (Diamond)
• 5.60% 60-Month CD at a Ohio CU - and all terms in between (Glass City)
• 5.59% 60-Month CD at a Florida CU (CFE)
• 5.50% 60-Month CD at a Texas Bank (Main Street)
• 5.50% 60-Month CD at a Los Angeles/New York CU (First Entertainment)

Terms of 24 Months to Under 60 Months

• 6.17% 50-Month CD at a New York CU (CFCU Community)
• 6.00% 24-Month CD at a Minnesota CU (SMW)
• 5.92% 30-Month CD at a New York/Pennsylvania CU (Visions)
• 5.90% 48-Month CD at a Multi-State CU (Bayer Heritage)
• 5.82% 36-Month CD at a New York CU (Telco)
• 5.75% 36-Month CD at a Arizona CU (Arizona Central)
• 5.75% 48-Month CD at a Colorado CU (Western Rockies)
• 5.70% 30-Month CD at a Illinois Bank (Belvidere)
• 5.69% 25-Month CD at a Pennsylvania CU (Galaxy)
• 5.66% 24-Month CD at a Texas CU (River City)
• 5.65% 30-Month CD at a TN/AR/MS Credit Union (American Savings)
• 5.65% 36-Month CD at a Oklahoma CU (Central Oklahoma)
• 5.65% 30-Month CD at a Carolina Bank (Blue Ridge Savings)
• 5.64% 24-Month CD at a California CU (Coast Central)
• 5.60% 24-Month CD at a New York Bank (LibertyPointe)
• 5.54% 36-Month CD at a Florida CU (CFE)
• 5.51% 24-Month CD at a New Jersey Bank (SussexBank)
• 5.50% 24, 36, 48 Month CD at a Los Angeles/New York CU (First Entertainment)
• 5.50% 48-Month CD at a Pennsylvania CU (Diamond)
• 5.50% 24-Month CD at a Washington DC Credit Union (Signal Financial)
• 5.50% 24-Month CD at a Colorado CU (Western Rockies)

Terms of 12 Months to Under 24 Months

• 10.00% 12-Month CD at a California CU - $1K Max (Diablo Valley)
• 10.00% 12-Month CD at a California CU - $1K Max (Ventura County)
• 7.00% 12-Month CD at a New Jersey CU - $3K Max (North Jersey)
• 6.17% 18-Month CD at a New Mexico CU (First Financial)
• 6.10% 18-Month CD at a Florida CU (Tyndall)
• 6.05% 12-Month CD at a Virginia CU (NMA)
• 5.90% 12-Month CD at a Florida CU (Tropical Financial) - and 5.07% Savings Account
• 5.81% 12-Month CD at a New York/Pennsylvania CU (Visions)
• 5.80% 17-Month CD at a California CU (The Golden 1)
• 5.80% 12-Month CD at a California CU (The Golden 1)
• 5.76% 12-Month CD at a California CU (Bay Federal)
• 5.75% 12-Month CD at a Georgia Bank (Alpha)
• 5.75% 15-Month CD at a Utah CU Continues (Tooele)
• 5.70% 12-Month CD at a Georgia Bank (American Southern)
• 5.67% 18-Month CD at a New York CU (Telco)
• 5.66% 12-Month CD at a Texas CU (River City)
• 5.65% 17-Month CD at a Kentucky CU (Fort Knox)
• 5.64% 20-Month CD at a New York CU (CFCU Community)
• 5.64% 12-Month CD at a Florida CU (City County)
• 5.60% 18-Month CD at a Texas Bank (First National Bank Southwest)
• 5.60% 18-Month CD at a TN/AR/MS Credit Union (American Savings)
• 5.60% 14-Month CD at a Nebraska Bank (First National Bank Omaha)
• 5.59% 12-Month CD at a Kansas/Missouri Bank (SolutionsBank)
• 5.56% 12-Month CD at a California CU (Redwood)
• 5.55% 12-Month CD at a Texas CU (Greater Texas FCU)
• 5.55% 12-Month CD at a DC Bank (Washington First)
• 5.55% 18-Month CD at a Delaware Bank (Community Bank Delaware)
• 5.55% 12-Month CD at a Tennessee/Virginia CU (Appalachian Community)
• 5.55% 20-Month CD at a Illinois CU - Open To All (Consumers)
• 5.54% 12-Month CD at a Texas Credit Union (Gulf Coast)
• 5.50% 18-Month CD at a Texas Bank (Main Street)
• 5.50% 15-Month CD at a Florida Bank (Old Cypress Community)
• 5.50% 13-Month CD at a Pennsylvania CU (Tri Boro)
• 5.50% 12-Month CD at a Florida Bank (Bay Cities)
• 5.50% 12-Month CD at a New York Bank (LibertyPointe)
• 5.50% 12-Month CD at a Dallas Bank (First National)
• 5.50% 13-Month CD at a Florida CU (Jax Federal)
• 5.50% 17-Month CD at a Missouri Bank (WestBridge)
• 5.51% 12-Month CD at Nevada State Bank
• 5.50% 12-Month CD at a Los Angeles/New York CU (First Entertainment)
• 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% 14-Month CD at a Indiana/Michigan/Georgia Bank (Flagstar)
• 5.50% 12-Month CD at a North Carolina and Virginia Bank (Gateway)
• 5.50% 13-Month CD at a Carolina Bank (Blue Ridge Savings)
• 5.45% 12-Month CD at a Tennessee CU - 5.55% Jumbo (Eastman)
• 5.45% 12-Month CD at a Chicago Bank (Builders)
• 5.40% 12-Month CD at a Texas Bank (First National Bank Southwest)

Terms of Under 12 Months

• 10.00% 10-Month CD at a Illinois CU - $1K Max (Earthmover)
• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 7.79% 5-Month CD at a Oregon CU (Clackamas Community)
• 7.00% 7-Month CD at a Multi-State CU - $7K Max (Chartway)
• 7.00% 6-Month CD at a West Virginia CU - $5K Max/Youth (Star USA)
• 6.17% 10-Month CD at a Ohio CU (Riverview)
• 6.14% 9-Month CD at a Virginia CU (Bronco)
• 6.14% 6-Month CD at a Virginia Credit Union (AB & W)
• 6.06% 8-Month CD at a Pennsylvania CU (Pittsburgh Teachers)
• 6.00% 6-Month CD at a Florida Bank (Old Cypress Community)
• 6.00% 7-Month CD at a California CU (Cal State 9)
• 6.00% 6-Month CD at a Chicago Bank (American Eagle)
• 6.00% 7-Month CD at a Minnesota Bank (First National Bank)
• 6.00% 5-Month CD at a New Jersey Bank (Valley National)
• 6.00% 6-Month CD at a Georgia Bank (Alpha)
• 6.00% 10-Month CD at a Florida CU (Pen Air)
• 6.00% 7-Month CD at a Kentucky CU (Fort Knox)
• 6.00% 6-Month CD at a Florida CU - $25K Max (City County)
• 5.90% 6-Month CD at a Florida CU (Tropical Financial) - and 5.07% Savings Account
• 5.75% 8-Month CD at a South Florida CU (BrightStar)
• 5.70% 5-Month CD at a FL/NY/TX Bank (Commercebank)
• 5.70% 6-Month CD at a Georgia Bank (American Southern)
• 5.65% 9-Month CD at a Washington State CU (Great NorthWest)
• 5.65% 6-Month CD at a New York/Pennsylvania CU (Visions)
• 5.65% 5-Month CD at a Florida CU (SunState)
• 5.64% 6-Month CD at a Virginia Bank (Sonabank)
• 5.64% 9-Month CD at a Massachusetts CU (Harvard University Employees)
• 5.61% 6-Month CD at a Wisconsin Bank (Town Bank)
• 5.60% 10-Month CD at a Tennessee Bank (Reliant)
• 5.60% 7-Month CD at a Florida Bank (Duval)
• 5.60% 3-Month CD at a Ohio CU - and all terms in between (Glass City)
• 5.59% 9-Month CD at a Kansas/Missouri Bank (SolutionsBank)
• 5.55% 5-Month CD at a Illinois Bank Plus iPod nano or $200 Checking Account Bonus (Evergreen Private Bank)
• 5.55% 7-Month CD at a Florida Bank (Encore)
• 5.55% 11-Month CD at a Florida Bank (TransCapital)
• 5.55% 4-Month CD at a Florida Bank (TransCapital)
• 5.55% 9-Month CD at a Utah CU Continues (Tooele)
• 5.54% 9-Month CD at a Arizona CU (Pinal County)
• 5.53% 9-Month CD at a Washington State CU (Harborstone)
• 5.51% 9-Month CD at a Texas Bank (First Community Bank)
• 5.50% 3, 6, 9 Month CD at a Los Angeles/New York CU (First Entertainment)
• 5.50% 9-Month CD at a California CU (The Golden 1)
• 5.50% 9-Month CD at a Montana CU (Valley)
• 5.50% 10-Month CD at a California CU - $90K (San Diego County)
• 5.50% 9-Month CD at a Maine Credit Union (cPort)
• 5.50% 5-Month CD at a Tennessee Credit Union (UT FCU)
• 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% 4-Month CD at a New Jersey CU (United Teletech Financial)
• 5.50% 3-Month CD at a North Carolina and Virginia Bank (Gateway)
• 5.50% 7-Month CD at a Massachusetts Bank (Institution for Savings)
• 5.50% 10-Month CD at a Florida Bank (Community Bank of Englewood)
• 5.46% 6-Month CD at a Wachovia in Southern California
• 5.45% 9-Month CD at a DC Bank (Washington First)

Bank Account Alternatives

• Money Magazine article on risk-free investments
• Vanguard Prime Money Market Fund - 5.13% 7-day yield
• Paypal Money Market Fund - 5.03% 7-day yield (1% cashback debit MasterCard)
• TIAA-CREF Money Market Fund - 5.03% 7-day yeild
• Fidelity Money Market Fund - 5.01% 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

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