Bank Deals Weekly Summary for June 28, 2008
Jun 28, 2008 - 6:03 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
As expected the Fed held rates steady on Wednesday. The good news for savers is that this was the first meeting since last August in which the target federal funds rate wasn't cut. Now the question is when will the Fed start raising the rate. The Fed's statement suggests that they may wait more than what had been expected. It did acknowledge the inflation risk, but stated it "expects inflation to moderate later this year and next year."
CD Rates Recap - More 5% Long-Term CDs
It's clear that many banks are anticipating rising rates in the future. This can be seen in the rising CD rates, especially for the longer terms. Five percent CDs are becoming more popular. We now have 8 institutions offering widely available 60-month CDs with APYs of 5%+. The banks increasing rates to 5% this week included M&T Bank, Capital One, E-LOAN and GMAC. Wachovia has the best deal with its 5.25% APY 60-month Featured CD. It also has high rates on many other terms (see post).
For short term CDs, Indymac Bank came out with two short-term CD specials that match 2 of Wachovia's specials. These include a 4.00% APY 6-month CD and a 4.25% APY 12-month CD (see post). Century Bank Direct made some big rate increases on its online CDs. It now has 4 good CD deals which include a 3.76% APY 5-month, 4.02% APY 10-month, 4.11% APY 15-month and 4.20% APY 20-month (see post). Crestmark Bank has the best 3-month CD with a 3.90% APY. It also has some very competitive 6, 9 and 12-month CDs (see post).
Savings Account Rates Recap - 4% Is Disappearing
Unfortunately, rates on savings accounts are not following CD rates. There were a few rate hikes in early June after HSBC Direct launched their 3.50% APY promo. However, the banks with the top yields like Countrywide, Corus Bank and AARP have lowered their rates during this time. Only Alliant Credit Union has a non-promo savings account yield of 4% APY now, and there are rumors that this will fall to 3.75% APY on July 1st.
If you want a 4%+ rate in a liquid account, a reward checking account may be your only choice. I reported on 6 more reward checking accounts this week. Four have yields over 5%.
For my full list of reward checking accounts, please refer to my High Yield Checking website.
Recap for the Week - Links to This Week's Posts
Banking News
Savings and Money Market Deals - National
CD Deals - National
Checking/Savings Account Bonuses
Reward Checking Accounts
CD and Money Market Deals - Local
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 21st, Jun 14th, Jun 7th, May 31st, May 24th, May 17th, May 10th, May 3rd and Apr 26th.
Quick Links: Refer to the following links for the savings accounts and CDs that interest you: Liquid Account Rates: Savings Accounts, Reward Checking, 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 28, 2008
Checking/Savings/Money Market Accounts:
3-Month Certificates of Deposit:
6-Month Certificates of Deposit:
9-Month Certificates of Deposit:
12-Month Certificates of Deposit:
18-Month Certificates of Deposit:
24-Month Certificates of Deposit:
36-Month Certificate of Deposit:
48-Month Certificate of Deposit:
60-Month Certificate of Deposit:
84-Month Certificate of Deposit:
High Yield Reward Checking Accounts - Open to All
Checking and Saving Accounts at Local Banks/Credit Unions
CD Specials at Local Credit Unions/Banks Over the Last Month
Terms of 60 Months and Over
Terms of 24 Months to Under 60 Months
Terms of 12 Months to Under 24 Months
Terms of Under 12 Months
Bank Account Alternatives
Historical Rates from the Federal Reserve (Federal funds, Treasury bills, CD's)
As expected the Fed held rates steady on Wednesday. The good news for savers is that this was the first meeting since last August in which the target federal funds rate wasn't cut. Now the question is when will the Fed start raising the rate. The Fed's statement suggests that they may wait more than what had been expected. It did acknowledge the inflation risk, but stated it "expects inflation to moderate later this year and next year."
CD Rates Recap - More 5% Long-Term CDs
It's clear that many banks are anticipating rising rates in the future. This can be seen in the rising CD rates, especially for the longer terms. Five percent CDs are becoming more popular. We now have 8 institutions offering widely available 60-month CDs with APYs of 5%+. The banks increasing rates to 5% this week included M&T Bank, Capital One, E-LOAN and GMAC. Wachovia has the best deal with its 5.25% APY 60-month Featured CD. It also has high rates on many other terms (see post).
For short term CDs, Indymac Bank came out with two short-term CD specials that match 2 of Wachovia's specials. These include a 4.00% APY 6-month CD and a 4.25% APY 12-month CD (see post). Century Bank Direct made some big rate increases on its online CDs. It now has 4 good CD deals which include a 3.76% APY 5-month, 4.02% APY 10-month, 4.11% APY 15-month and 4.20% APY 20-month (see post). Crestmark Bank has the best 3-month CD with a 3.90% APY. It also has some very competitive 6, 9 and 12-month CDs (see post).
Savings Account Rates Recap - 4% Is Disappearing
Unfortunately, rates on savings accounts are not following CD rates. There were a few rate hikes in early June after HSBC Direct launched their 3.50% APY promo. However, the banks with the top yields like Countrywide, Corus Bank and AARP have lowered their rates during this time. Only Alliant Credit Union has a non-promo savings account yield of 4% APY now, and there are rumors that this will fall to 3.75% APY on July 1st.
If you want a 4%+ rate in a liquid account, a reward checking account may be your only choice. I reported on 6 more reward checking accounts this week. Four have yields over 5%.
For my full list of reward checking accounts, please refer to my High Yield Checking website.
Recap for the Week - Links to This Week's Posts
Banking News
- Worries About Small Banks and Builders' Interest-Reserve Loans
- Fed Holds Rate Unchanged, Effects on Savings Account and CD Rates?
- Florida Banks Facing Tough Times - How Bad Will It Get?
Savings and Money Market Deals - National
CD Deals - National
- 4.02% 10-Month / 4.11% 15-Month Online CD at Century Bank Direct
- Another Bank Offers a 5% 5-Year CD, GMAC Bank
- Indymac Bank Raises CD Rates - 4.00% 6-Month, 4.25% 12-Month
- Long-Term CD Rates Continue to Rise at E-LOAN
- 4.00% 15-Month CD at Digital Credit Union - Easy Membership
- 4.21% 18-Month / 5.04% 60-Month CD at M&T Bank Online
- Update on Wachovia's High Yield CD Specials
Checking/Savings Account Bonuses
- $100 Checking Account Bonus at a Dallas Bank (Century)
- $75 Checking Account Bonus at a Wachovia Branch in Dallas - Plus Recap on Wachovia Deals
- $100 Checking Account Bonus at Partners 1st FCU
- 5.09% 12-Month CD ($5K Max) at the US Postal Servcie FCU - Plus a $125 Checking Bonus
Reward Checking Accounts
- 5.02% Reward Checking Account at Farmers & Merchants Bank in Virginia
- 5.51% Reward Checking Account at Rio Bank in South Texas
- 5.55% Reward Checking Account at a South Carolina Bank (Bank of Anderson)
- 6.01% Reward Checking Account at a Mississippi CU (Central Sunbelt)
- 4.16% Reward Checking Account at First Federal Bank of California
- 4.26% Reward Checking Account at Renasant Bank
CD and Money Market Deals - Local
- 4.25% 9-Month / 4.40% 15-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.00% 6-Month CD at an Indiana Bank (Union Savings)
- 4.00% 15-Month / 5.00% 60-Month CD at a Chicago Bank (Cole Taylor)
- 5.00% 60-Month CD at a California Bank (Kaiser Federal)
- 4.00% 9-Month CD at a Colorado Bank (New Frontier)
- 4.75% 3-Month CD at a New York Bank - $100K Min (Park Avenue)
- 5.00% 39-Month / 4.00% 19-Month CD at an IL/WI Bank (Amcore)
- 4.52% 15-Month CD at a CO/KS Bank (Colorado East Bank & Trust)
- 4.06% 12-Month CD at a Texas Bank (Sovereign)
- 4.50% 60-Month CD at a MD/PA/NJ Bank - T-Bill Index (Susquehanna)
- 4.51% 30-Month / 4.91% 50-Month CD at First Commercial Bank of Florida - EXPIRED
- CD Deal Reminders - 5% 100-Day at The Golden 1, 5.25% 5-Year at US Bank
- 5.02% 60-Month CD at a California CU (Bay Federal)
- 5.00% 60-Month CD at a Texas Bank (Omni American)
- 4.25% 18-Month CD at a Georgia Bank (Security Exchange)
- 4.30% 12-Month / 4.78% 60-Month CD at a Texas Bank (San Antonio National)
- 4.17% 12-Month CD at a Florida Bank (BankAtlantic)
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 21st, Jun 14th, Jun 7th, May 31st, May 24th, May 17th, May 10th, May 3rd and Apr 26th.
Quick Links: Refer to the following links for the savings accounts and CDs that interest you: Liquid Account Rates: Savings Accounts, Reward Checking, 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 28, 2008
Checking/Savings/Money Market Accounts:
- High Yield Reward Checking Accounts Around the Nation
- Checking/Savings Account Bonuses
- Latest CD and Savings Account Deals with No Major Deposit Limitiations
- EverBank - 4.01% ($1.5K min), 3mo promo, account review
- 1st Constitution Direct - 4.00% (min $100), 3 mo promo, account review
- Alliant Credit Union - 4.00% (min $100) account review
- SmartyPig - 3.90% (min $25) access restrictions, account review
- Indymac Bank - 3.85% (E-Money Market) (min $10K) account review
- E-LOAN - 3.75%, new account promo, ($5K min), account review
- Countrywide - 3.65% (min $10K), account review
- Amegy Bank - 3.65% (min $10K) account review
- Corus Bank - 3.62% MMA (min $10K) account review
- OneUnited - 3.60% (min $1K), account review ($50 bonus)
- Century Bank Direct - 3.57% MMA (min $1K) account review
- Zions Bank - 3.53% MMA, outside of Utah, (min $2.5K) account review
- FNBO Direct - 3.50%, account review
- Provident Direct - 3.50%, account review
- Flagstar - 3.50% MMA, account review
- Capital One - 3.50% (Savings) (min $10K) account review
- OnBank - 3.50%, account review
- ShoreBank - 3.50%, account review
- HSBC Direct - 3.50%, promo, account review
- AARP Financial Savings Center - 3.50%, AARP membership req, account review
- Bank of Internet - 3.46% MMA (min $100) account review
- Century Bank Direct - 3.41% (min $100) account review
- UmbrellaBank - 3.40% MMA (min $1K), account review
- Bank of Internet - 3.40% Checking, for those 50+, account review
- Nationwide Bank - 3.35% MMA (min $1K) account review
- Century Bank Direct - 3.35% Checking (min $100) account review
- GCF Bank - 3.34% (min $100), 3-mo promo, account review
- Washington Mutual - 3.30% (requires checking), account review
- iGObanking - 3.28%, account review
- WTDirect - 3.26% ($10K min), account review
- ETrade Bank - 3.25% Checking (min $5K) account review
- Doral Bank Direct - 3.25% (min $1K) account review
- M&T Bank - 3.25%, account review
- Amboy Direct - 3.25% (min $3K) (eSavings) account review
- CapitalOne/Costco - 3.20% MMA (min $1K, Costco members only, $50 deal for exec. members)
- ETrade Bank - 3.15%, post ($25 bonus)
- Discover Bank - 3.14% MMA (min $2.5K) (3.25% for $50K+) account review
- Beverly National Bank - 3.10% (min $5K) account review
- EverBank - 3.06% MMA ($1.5K min) account review
- Savings Square - 3.05%, account review
- AmboyDirect - 3.05% (Premium Savings) post ($25 bonus)
- Heartland Bank Direct - 3.05%, ($500 min), account review
- BankUnited - 3.00% (min $5K), account review
- E-LOAN - 3.01% ($5K min), account review
- FirstFedDirect - 3.01% (min $1K) (closed to CA residents), account review
- UFB Direct - 3.01%, account review
- KeyDirect - 3.00% MMA (min $50), Not all states, account review
- Capital One - 3.00% MMA, account review
- Imperial Capital - 3.00% MMA ($2.5K min) (3.65% for $100K+) account review
- Salem Five Direct - 3.00% Checking (3.50% $100K+), account review
- GMAC Bank - 3.00% MMA (min $500), account review
- Transportation Alliance Bank - 3.00%, ($25 min), account review
- Indymac Bank - 3.00% MMA (min $25K) (4.00% $75K+) account review
- ING Direct - 3.00%, (1.75% checking), post ($25 bonus)
- UnivestDirect - 3.00%, (1.75% checking), account review
- Rainier Pacific - 3.00% MMA account review
- Mutual Bank - 2.75% MMA (min $5K), account review
- EmigrantDirect - 2.75%, account review
- BancoFortuna.com - 2.75%, account review
- grand yield direct - 2.75% (min $2.5K) account review
- Direct Huntington - 2.70% ($10K min) (3.00% $100K+), account review
- Citibank - 2.65% (Ultimate Money) requires chking & bill pay, account review
- Presidential Bank - 2.60% (min $5K, only first $35K receives this rate), offers 2.00% checking, account review
- Melrose CU - 2.52% (min $25) account review
- MyBankingDirect - 2.50% MMA (min $5K), account review
- AmTrustDirect - 2.50% (e-Savings) account review
- MetLife Bank - 2.45% MMA (min $10K), post ($50 bonus)
- Bank of America DoW - 2.40% MMA (min $5K), account review
- Self-Help Credit Union - 2.23% MMA (min $500), account review
- Tennessee Commerce Bank - 2.23% (min $10K), account review
- Bank of America NEA - 2.11% MMA ($500 min) (2.37% for $50K+) account review
- Charles Schwab - 2.01% Checking, account review
- VirtualBank - 1.77% (min $100), (2.79% $50K+/ 3.30% $100K+) post ($20 bonus)
- AmTrustDirect - 1.75% (e-Money Market) (2.00% $25K+, 2.25% $50K+) account review
- ebank - 1.75% MMA ($10K min) (2.50% for $100K+), account review
3-Month Certificates of Deposit:
- Crestmark Bank - 3.90% (min $25K) account review
- ISN Bank - 3.77% (min $10K) account review
- VirtualBank - 3.30% (min $10K), account review
- Imperial Capital - 3.30%, ($2K min), account review
- E-LOAN - 3.30% ($10K min), account review
- Metropolitan Bank - 3.25% ($2.5K min), account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- UmbrellaBank - 3.25% (min $1K)
- GMAC Bank - 3.25% (min $500), account review
- EverBank - 3.06% ($1.5K min) account review
- FirstFedDirect - 3.01% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- Self-Help Credit Union - 2.84% (min $500), account review
- Element Financial - 2.80% (min $10K), account review
- UFB Direct - 2.75% (min $8K)
- ETrade Bank - 2.50% (min $1K), account review
- National Bank of KC - 2.50% (min $10K), account review
- IndyMac Bank - 2.50% (min $5K), account review
6-Month Certificates of Deposit:
- IndyMac Bank - 4.00% (min $5K), account review
- Christian Community CU - 4.00% (7-mo) (min $500) not NCUA insured (ASI only) account review
- Wachovia - 4.00% (7-mo) (min $5K), req chk, account review
- Crestmark Bank - 3.95% (min $25K) account review
- ISN Bank - 3.82% (min $1K) account review
- Century Bank Direct - 3.76% (5 mo) (min $1K) account review
- Ascencia Bank - 3.66% (min $500), account review
- Corus Bank - 3.62% (min $10K) account review
- E-LOAN - 3.61% ($10K min), account review
- GMAC Bank - 3.60% (min $500), account review
- Zions Bank - 3.60% (min $1K) account review
- VirtualBank - 3.56% (min $10K), account review
- AmTrustDirect - 3.51% (min $1K) account review
- Imperial Capital - 3.50% ($2K min), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- EverBank - 3.43% ($1.5K min) account review
- Tennessee Commerce Bank - 3.40% (min $5K)
- UmbrellaBank - 3.35% (min $1K)
- Northrop Grumman FCU - 3.31% (min $40K), account review
- Countrywide - 3.30% (min $10K), account review
- University FCU - 3.30% (min $2.5K), account review
- La Jolla Bank - 3.30% (min $10K), account review
- ING Direct - 3.30%, account review
- Capital One - 3.25% (min $5K) account review
- FirstFedDirect - 3.25% (min $10K), account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- Bank of Internet - 3.25% (min $1K) account review
- Intervest - 3.20% (min $2.5K), account review
- Advanta Bank - 3.20% (min $10K), account review
- ETrade Bank - 3.20% (min $1K), account review
- Self-Help Credit Union - 3.18% (min $500), account review
- Flagstar - 3.10% (min $500), account review
- UFB Direct - 3.05% (min $8K)
- KeyDirect - 3.00% (min $5K), Not all states, account review
- Element Financial - 3.00% (min $10K), account review
- AmboyDirect - 3.00% (7 mo) (min $10K), account review
- Mountain America CU - 3.00% (min $1K) account review
- CU of Georgia - 2.94% (min $50K), account review
- Air Academy FCU - 2.85% (min $10K) restrictions to membership, account review
- iGObanking - 2.75% (min $500), account review
- Principal Bank - 2.75% (7 mo) (min $5K), account review
- Western FCU - 2.61% (min $40K), account review
- National Bank of KC - 2.55% (min $10K), account review
- Wells Fargo - 2.50% (5 months) (min $5K), rate and min vary by state, account review
- EmigrantDirect - 2.50% (min $1K)
- Lehman Brothers Bank - 2.07% (min $1K)
- Washington Mutual - 2.00% (min $1K), account review
9-Month Certificates of Deposit:
- IndyMac Bank - 4.10% (10 mo) (min $5K), account review
- Century Bank Direct - 4.02% (10 mo) (min $1K) account review
- Crestmark Bank - 3.95% (min $25K) account review
- AmTrustDirect - 3.76% (min $1K) account review
- Imperial Capital - 3.70% ($2K min), account review
- GMAC Bank - 3.65% (min $500), account review
- E-LOAN - 3.65% ($10K min), account review
- EverBank - 3.63% ($1.5K min) account review
- VirtualBank - 3.56% (min $10K), account review
- Citibank - 3.50% (min $500)
- Doral Bank Direct - 3.50% (min $1K) account review
- ING Direct - 3.30% account review
- Washington Mutual - 3.25% (8 mo) (min $1K), account review
- Bank of Internet - 3.25% (min $1K) account review
- UmbrellaBank - 3.20% (min $1K)
- Element Financial - 3.15% (min $10K), account review
- FirstFedDirect - 3.10% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- Academy Bank - 2.95% (min $500), account review
- iGObanking - 2.75% (min $500), account review
- National Bank of KC - 2.55% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
12-Month Certificates of Deposit:
- IndyMac Bank - 4.25% (min $5K), account review
- Wachovia - 4.25% (min $5K), req chk, account review
- Century Bank Direct - 4.11% (15 mo) (min $1K) account review
- Crestmark Bank - 4.10% (min $25K) account review
- AmTrustDirect - 4.00% (min $1K) account review
- Digital Credit Union - 4.00% (15 mo) (min $500) account review
- EverBank - 3.94% ($1.5K min) account review
- E-LOAN - 3.91% ($10K min), account review
- GMAC Bank - 3.90% (min $500), account review
- Tennessee Commerce Bank - 3.90% (min $5K)
- Alliant Credit Union - 3.90% (min $25K) account review
- Countrywide - 3.90% (min $10K), account review
- ISN Bank - 3.87% (min $1K) account review
- Pacific Mercantile Bank - 3.86% (min $10K) account review
- Flagstar - 3.85% (min $500), account review
- Discover Bank - 3.85% (min $2.5K) account review
- Ascencia Bank - 3.83% (min $500), account review
- VirtualBank - 3.82% (min $10K), account review
- Corus Bank - 3.82% (min $10K) account review
- Zions Bank - 3.80% (min $1K) account review
- State Bank of India - 3.80% (min $5K) account review
- Melrose CU - 3.75% (min $5K) account review
- Imperial Capital - 3.75% ($2K min), account review
- Zopa - 3.75% (min $500) account review
- UmbrellaBank - 3.65% (min $1K)
- Bank of Internet - 3.62% (min $1K) account review
- Fifth Third - 3.60% (13 mo) (min $5K), Not all states, account review
- M&T Bank - 3.59% (min $5K) account review
- ETrade Bank - 3.55% (min $1K), account review
- Transportation Alliance Bank - 3.54% ($1K min)
- Mutual Bank - 3.51% (min $1K) account review
- Capital One - 3.50% (min $5K) account review
- Advanta Bank - 3.50% (min $10K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- First State Bank - 3.50% ($1K min), account review
- La Jolla Bank - 3.50% (min $10K), account review
- Self-Help Credit Union - 3.50% (min $500), account review
- University FCU - 3.45% (min $2.5K), account review
- Element Financial - 3.45% (min $10K), account review
- Air Force FCU - 3.45% (min $25K) restrictions to membership, account review
- Northrop Grumman FCU - 3.42% (min $40K), account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- Intervest - 3.30% (min $2.5K), account review
- FirstFedDirect - 3.30%, (min $10K) account review
- ING Direct - 3.30% account review
- iGobanking - 3.28% (min $500), account review
- KeyDirect - 3.25% (min $5K), Not all states, account review
- CU of Georgia - 3.20% (min $50K), account review
- UFB Direct - 3.15% (min $8K)
- Air Academy FCU - 3.15% (min $10K) membership restrictions, account review
- Mountain America CU - 3.10% (min $1K) account review
- Delta Community CU - 3.05% (min $1K) account review
- Principal Bank - 3.00% (14 mo) (min $5K), account review
- Western FCU - 2.95% (min $40K), account review
- Navy FCU - 2.90% ($20K min) (3.05% for $100K+) restrictions to membership, account review
- Academy Bank - 2.90% (min $500), account review
- Washington Mutual - 2.85% (min $1K), account review
- H&R Block Bank - 2.75% (min $250) account review
- Apple Bank - 2.75% (min $500) account review
- National Bank of KC - 2.60% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
- GTE FCU - 2.27% (min $500) account review
- Lehman Brothers Bank - 2.12% (min $1K)
18-Month Certificates of Deposit:
- Wachovia - 4.40% (min $5K), req chk, account review
- M&T Bank - 4.21% (min $5K) account review
- Century Bank Direct - 4.20% (20 mo) (min $1K) account review
- EverBank - 4.05% ($1.5K min) account review
- Discover Bank - 4.02% (min $2.5K), account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- AmTrustDirect - 4.00% (min $1K) account review
- Geauga Savings Bank - 4.00% (min $1K) account review
- National City Bank - 4.00% (min $10K) 3.75% w/o chk, account review
- GMAC Bank - 4.00% (min $500) account review
- Tennessee Commerce Bank - 3.90% (min $5K)
- Alliant Credit Union - 3.90% (min $25K) account review
- Zions Bank - 3.85% (min $1K) account review
- OnBank - 3.85% (min $500), account review
- Capital One - 3.75% (min $5K) account review
- ETrade Bank - 3.75% (min $1K), account review
- Intervest - 3.65% (min $2.5K), account review
- Bank of Internet - 3.62% (min $1K) account review
- Mutual Bank - 3.60% (min $1K) account review
- Advanta Bank - 3.55% (min $10K), account review
- Element Financial - 3.50% (min $10K), account review
- First State Bank - 3.50% ($1K min), account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- Flagstar - 3.30% (min $500), account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Mountain America CU - 3.15% (min $1K) account review
- ING Direct - 3.00%, account review
- Countrywide - 3.00% (min $10K), account review
- Academy Bank - 2.85% (min $500) account review
- VirtualBank - 2.79% (min $10K), account review
- H&R Block Bank - 2.75% (min $250) account review
- iGObanking - 2.75% (min $500) account review
- IndyMac Bank - 2.75% (min $5K), account review
- National Bank of KC - 2.60% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
- Lehman Brothers Bank - 2.17% (min $1K)
24-Month Certificates of Deposit:
- Wachovia - 4.50% (min $5K), req chk, account review
- KeyDirect - 4.50% (23 mo) (min $5K), Not all states, account review
- Huntington - 4.45% (min $1K) account review
- M&T Bank - 4.34% (min $5K) account review
- E-LOAN - 4.25% ($10K min), account review
- Discover Bank - 4.23% (min $2.5K) account review
- EverBank - 4.17% ($1.5K min) account review
- Capital One - 4.15% (min $5K) account review
- Fifth Third - 4.15% (min $5K) account review
- OnBank - 4.15% (min $500), account review
- GMAC Bank - 4.15% (min $500) account review
- State Bank of India - 4.06% (min $5K) account review
- Ascencia Bank - 4.01% (min $500), account review
- US Bank - 4.00% (25 mo) (min $1K), Not all states, account review
- AmTrustDirect - 4.00% (min $1K) account review
- iGObanking - 4.00% (min $500) account review
- National City Bank - 4.00% (min $10K) 3.75% w/o chk, account review
- Zions Bank - 3.97% (min $1K) account review
- Tennessee Commerce Bank - 3.95% (min $5K)
- Alliant Credit Union - 3.90% (min $25K) account review
- Air Force FCU - 3.85% (min $25K) restrictions to membership, account review
- VirtualBank - 3.82% (min $10K), account review
- Melrose CU - 3.80% (min $5K) account review
- Intervest - 3.80% (min $2.5K), account review
- Mutual Bank - 3.70% (min $1K) account review
- Bank of Internet - 3.68% (min $1K) account review
- Self-Help Credit Union - 3.67% (min $500), account review
- Advanta Bank - 3.66% (min $10K), account review
- Presidential Bank - 3.65% (min $1K)
- Transportation Alliance Bank - 3.64% ($1K min)
- Element Financial - 3.60% (min $10K), account review
- UFB Direct - 3.55% (min $8K)
- University FCU - 3.55% (min $2.5K), account review
- Northrop Grumman FCU - 3.55% (min $40K), account review
- IndyMac Bank - 3.50% (min $5K), account review
- Countrywide - 3.50% (min $10K), account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- Air Academy FCU - 3.35% (min $10K) membership restrictions, account review
- CU of Georgia - 3.35% (min $50K), account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Mountain America CU - 3.20% (min $1K) account review
- Delta Community CU - 3.20% (min $1K) account review
- Western FCU - 3.12% (min $40K), account review
- Flagstar - 3.10% (min $500), account review
- Navy FCU - 3.05% ($20K min) (3.20% for $100K+) restrictions to membership, account review
- ING Direct - 3.00% account review
- Apple Bank - 3.00% (min $500) account review
- H&R Block Bank - 2.75% (min $250) account review
- National Bank of KC - 2.70% (min $10K), account review
- Lehman Brothers Bank - 2.28% (min $1K)
36-Month Certificate of Deposit:
- Wachovia - 5.00% (min $5K), req chk, account review
- M&T Bank - 4.69% (min $5K) account review
- EverBank - 4.51% ($1.5K min) account review
- Fifth Third - 4.50% (37 mo) (min $5K) Not all states account review
- National City Bank - 4.50% (min $10K) 4.25% w/o chk, account review
- E-LOAN - 4.45% ($10K min), account review
- GMAC Bank - 4.45% (min $500) account review
- Discover Bank - 4.44% (min $2.5K) account review
- OnBank - 4.35% (min $500), account review
- State Bank of India - 4.32% (min $5K) account review
- Capital One - 4.25% (min $5K) (4.50% $100K+) account review
- KeyDirect - 4.25% (min $5K), Not all states, account review
- ETrade Bank - 4.15% (min $1K), account review
- Tennessee Commerce Bank - 4.10% (min $5K)
- Intervest - 4.10% (min $2.5K), account review
- Melrose CU - 4.06% (min $5K) account review
- Self-Help Credit Union - 4.03% (min $500), account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- AmTrustDirect - 4.00% (min $1K) account review
- Ascencia Bank - 3.97% (min $500), account review
- Air Force FCU - 3.90% (min $25K) restrictions to membership, account review
- UFB Direct - 3.80% (min $8K)
- Mutual Bank - 3.80% (min $1K) account review
- Northrop Grumman FCU - 3.80% (min $40K), account review
- Patelco CU - 3.76% ($1K min), account review
- University FCU - 3.75% (min $2.5K), account review
- Advanta Bank - 3.75% (min $10K), account review
- Transportation Alliance Bank - 3.75% ($1K min)
- Bank of Internet - 3.73% (min $1K) account review
- Countrywide - 3.70% (min $10K), account review
- Element Financial - 3.70% (min $10K), account review
- First State Bank - 3.65% ($1K min), account review
- Air Academy FCU - 3.55% (min $10K) membership restrictions, account review
- Mountain America CU - 3.55% (min $1K) account review
- Agriculture FCU - 3.50% (min $1K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Flagstar - 3.45% (min $500), account review
- CU of Georgia - 3.45% (min $50K), account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- Western FCU - 3.35% (min $40K), account review
- ING Direct - 3.30%, account review
- National Bank of KC - 3.30% (min $10K), account review
- Delta Community CU - 3.25% (min $1K) account review
- Navy FCU - 3.20% ($20K min) (3.30% for $100K+) restrictions to membership, account review
- Principal Bank - 3.20% (33 mo) (min $5K), account review
- H&R Block Bank - 3.00% (min $250) account review
- VirtualBank - 2.82% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
- Lehman Brothers Bank - 2.38% (min $1K)
48-Month Certificate of Deposit:
- Wachovia - 5.15% (min $5K), req chk, account review
- KeyDirect - 5.00% (min $5K), Not all states, account review
- M&T Bank - 4.91% (min $5K) account review
- Capital One - 4.75% (min $5K) (5.00% $100K+) account review
- US Bank - 4.75% (43 mo) (min $1K), Not all states, account review
- EverBank - 4.72% ($1.5K min) account review
- E-LOAN - 4.71% ($10K min), account review
- Discover Bank - 4.70% (min $2.5K) account review
- OnBank - 4.65% (min $500), account review
- GMAC Bank - 4.60% (min $500) account review
- National City Bank - 4.50% (min $10K) 4.25% w/o chk, account review
- Melrose CU - 4.32% (min $5K) account review
- Patelco CU - 4.28% ($1K min), account review
- Self-Help Credit Union - 4.27% (min $500), account review
- Tennessee Commerce Bank - 4.20% (min $5K)
- Intervest - 4.15% (min $2.5K), account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- Citibank - 4.00% (min $500)
- Washington Mutual - 4.00% (min $1K), account review
- Advanta Bank - 4.00% (min $10K), account review
- Northrop Grumman FCU - 3.96% (min $40K), account review
- Countrywide - 3.95% (min $10K), account review
- University FCU - 3.87% (min $2.5K), account review
- Mountain America CU - 3.85% (min $1K) account review
- Element Financial - 3.80% (min $10K), account review
- Transportation Alliance Bank - 3.79% ($1K min)
- Bank of Internet - 3.78% (min $1K) account review
- Flagstar - 3.75% (min $500), account review
- National Bank of KC - 3.75% (min $10K), account review
- First State Bank - 3.75% ($1K min), account review
- Agriculture FCU - 3.70% (min $1K), account review
- Air Academy FCU - 3.65% (min $10K) membership restrictions, account review
- Western FCU - 3.62% (min $40K), account review
- CU of Georgia - 3.56% (min $50K), account review
- ING Direct - 3.50%, account review
- Navy FCU - 3.50% ($20K min) restrictions to membership, account review
- Doral Bank Direct - 3.50% (min $1K) account review
- H&R Block Bank - 3.50% (min $250) account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- USA FCU - 3.14% (min $1K) account review
- VirtualBank - 2.82% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- Wachovia - 5.25% (min $5K), req chk, account review
- M&T Bank - 5.04% (min $5K) account review
- Capital One - 5.00% (min $5K) (5.25% $100K+) account review
- GMAC Bank - 5.00% (min $500) account review
- E-LOAN - 5.00% ($10K min), account review
- NASA FCU - 5.00% (55 mo) (min $25K) account review
- US Bank - 5.00% (59 mo) (min $1K), Not all states, account review
- KeyDirect - 5.00% (min $5K), Not all states, account review
- Discover Bank - 4.96% (min $2.5K) account review
- EverBank - 4.86% ($1.5K min) account review
- OnBank - 4.85% (min $500), account review
- State Bank of India - 4.84% (min $5K) account review
- M&I Bank - 4.65% (min $2.5K), Not all states, account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- Melrose CU - 4.58% (min $5K) account review
- Self-Help Credit Union - 4.44% (min $500), account review
- Intervest - 4.40% (min $2.5K), account review
- Patelco CU - 4.39% ($1K min), account review
- Citibank - 4.35% (min $500)
- Northrop Grumman FCU - 4.32% (min $40K), account review
- Tennessee Commerce Bank - 4.30% (min $5K)
- Mountain America CU - 4.30% (min $1K) account review
- ETrade Bank - 4.25% (min $1K), account review
- Navy FCU - 4.25% ($20K min) (4.40% for $100K+) restrictions to membership, account review
- Advanta Bank - 4.25% (min $10K), account review
- Mutual Bank - 4.10% (54 mo) (min $1K) account review
- University FCU - 4.05% (min $2.5K), account review
- Bank of Internet - 4.05% (min $1K) account review
- Transportation Alliance Bank - 4.04% ($1K min)
- UFB Direct - 4.00% (min $8K)
- ING Direct - 4.00%, account review
- AmTrustDirect - 4.00% (min $1K) account review
- Washington Mutual - 4.00% (min $1K), account review
- iGobanking - 4.00% (min $500), account review
- Agriculture FCU - 4.00% (min $1K), account review
- Element Financial - 4.00% (min $10K), account review
- National Bank of KC - 4.00% (min $10K), account review
- First State Bank - 4.00% ($1K min), account review
- Ascencia Bank - 3.97% (min $500), account review
- Countrywide - 3.95% (min $10K), account review
- Air Force FCU - 3.95% (min $25K) restrictions to membership, account review
- Western FCU - 3.92% (min $40K) account review
- Flagstar - 3.90% (min $500), account review
- VirtualBank - 3.82% (min $10K), account review
- Air Academy FCU - 3.75% (min $10K) membership restrictions, account review
- Presidential Bank - 3.75% (min $1K)
- CU of Georgia - 3.71% (min $50K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- H&R Block Bank - 3.50% (min $250) account review
- Telcom Credit Union - 3.50% (min $500) account review
- Delta Community CU - 3.50% (min $1K) account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- USA FCU - 3.25% (min $1K) account review
- Apple Bank - 3.00% (min $500) account review
- EmigrantDirect - 2.50% (min $1K)
- Lehman Brothers Bank - 2.48% (min $1K)
84-Month Certificate of Deposit:
- Capital One - 5.30% (min $5K) account review
- KeyDirect - 5.25% (min $5K) (5.50% 10yr) Not all states, account review
- Navy FCU - 4.75% ($20K min) restrictions to membership, account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- Intervest - 4.42% (min $2.5K), account review
- Countrywide - 3.00% (min $10K), account review
- EmigrantDirect - 2.50% (min $1K)
High Yield Reward Checking Accounts - Open to All
Checking and Saving Accounts at Local Banks/Credit Unions
- Local High Yield Reward Checking Accounts Ordered by States
- Local High Yield Reward Checking Accounts
- 4.00% 3-Month Money Market Promo at Amboy (New Jersey)
- 3.05% Checking Account (Florida)
- 3.05% Money Market Account (Utah)
- 3.05% No-Minimum Online Savings Account (New York)
- 3.00% Checking Account (Tennessee)
- 2.75% Low-Minimum Online Savings Account (California)
CD Specials at Local Credit Unions/Banks Over the Last Month
- Alabama deals and CD rates
- Alaska deals and CD rates
- Arizona deals and CD rates
- Arkansas deals and CD rates
- California deals and CD rates
- Colorado deals and CD rates
- Connecticut deals and CD rates
- Delaware deals and CD rates
- District of Columbia deals and CD rates
- Florida deals and CD rates
- Georgia deals and CD rates
- Hawaii deals and CD rates
- Idaho deals and CD rates
- Illinois deals and CD rates
- Indiana deals and CD rates
- Iowa deals and CD rates
- Kansas deals and CD rates
- Kentucky deals and CD rates
- Louisiana deals and CD rates
- Maine deals and CD rates
- Maryland deals and CD rates
- Massachusetts deals and CD rates
- Michigan deals and CD rates
- Minnesota deals and CD rates
- Mississippi deals and CD rates
- Missouri deals and CD rates
- Montana deals and CD rates
- Nebraska 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
- North Dakota 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
- South Dakota deals and CD rates
- Tennessee deals and CD rates
- Texas deals and CD rates
- Utah deals and CD rates
- Vermont deals and CD rates
- Virginia deals and CD rates
- Washington State deals and CD rates
- West Virginia deals and CD rates
- Wisconsin deals and CD rates
- Wyoming deals and CD rates
Terms of 60 Months and Over
- 10.00% 120-Month CD at a Kentucky CU - $1K Max/Youth (Commonwealth)
- 5.05% 60-Month CD at a Houston CU - Easy Membership (People's Trust)
- 5.02% 60-Month CD at a California CU (Bay Federal)
- 5.00% 60-Month CD at a Michigan CU - $5K Max (United Financial)
- 5.00% 60-Month CD at a Florida CU (Keys)
- 5.00% 60-Month CD at a New England Bank (Webster)
- 5.00% 60-Month CD at a New Jersey CU (Garden Savings)
- 5.00% 60-Month CD at a Texas Bank (Omni American)
- 5.00% 60-Month CD at a California Bank (Kaiser Federal)
- 5.00% 60-Month CD at a Chicago Bank (Cole Taylor)
- 4.78% 60-Month CD at a Texas Bank (San Antonio National)
- 4.50% 60-Month CD at a MD/PA/NJ Bank - T-Bill Index (Susquehanna)
Terms of 24 Months to Under 60 Months
- 5.00% 36-Month CD at a New Hampshire Credit Union (NHFCU)
- 5.00% 39-Month CD at a IL/WI Bank (Amcore)
- 4.63% 53-Month CD at a Idaho Credit Union (Advantage Plus)
- 4.59% 48-Month CD at a New Jersey CU (Garden Savings)
- 4.55% 59-Month CD at a Missouri Bank (Truman)
- 4.50% 48-Month CD at a Illinois Bank (Wheatland)
- 4.50% 36-Month CD at a Florida Bank (Federal Trust)
- 4.50% 36-Month CD at a Michigan Bank (Peoples State)
- 4.33% 36-Month CD at a New Jersey CU (Garden Savings)
- 4.25% 36-Month CD at a Texas Bank (Highlands)
- 4.18% 24-Month CD at a Florida Bank (Heritage)
- 4.16% 30-Month CD at a Washington State CU (Numerica)
- 4.15% 24-Month CD at a WA/ID/MT/OR Bank (Golf Savings)
- 4.10% 25-Month CD at a Texas Bank (Patriot)
- 4.06% 24-Month CD at a Maryland CU (Oldham Family Alliance)
- 4.05% 25-Month CD at a Michigan Bank (Peoples State)
- 4.01% 24-Month CD at a Houston CU - Easy Membership (People's Trust)
- 4.00% 25-Month CD at a Michigan Bank (Bank of Auburn Hills)
- 4.00% 24-Month CD at a MO/KS/CO Bank (Hillcrest)
- 4.00% 24-Month CD at a California Bank (First Bank of Beverly Hills)
- 4.00% 24-Month CD at a New England Bank (Webster)
- 3.75% 24-Month CD at a New York CU (Bethpage)
Terms of 12 Months to Under 24 Months
- 10.00% 12-Month CD at a Kentucky CU - $1K Max/Youth (Commonwealth)
- 5.00% 12-Month CD at a Texas CU - $1K Max (A+ FCU)
- 4.52% 15-Month CD at a CO/KS Bank (Colorado East Bank & Trust)
- 4.40% 15-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.30% 12-Month CD at a Texas Bank (San Antonio National)
- 4.25% 18-Month CD at a Georgia Bank (Security Exchange)
- 4.20% 17-Month CD at a Ohio CU (Marion Community)
- 4.17% 12-Month CD at a Florida Bank (BankAtlantic)
- 4.14% 16-Month CD at a Florida Bank - Early Withdrawal Option (Synovus)
- 4.10% 18-Month CD at a North Carolina CU (NewBridge)
- 4.06% 12-Month CD at a Texas Bank (Sovereign)
- 4.05% 23-Month CD at a Florida CU (Keys)
- 4.05% 12-Month CD at a California Bank (Vineyard)
- 4.05% 17-Month CD at a Missouri Bank (Truman)
- 4.03% 23-Month CD at a Idaho Credit Union (Advantage Plus)
- 4.00% 18-Month CD at a Texas Bank (First National)
- 4.00% 12-Month CD at a Illinois Bank (Wheatland)
- 4.00% 18-Month CD at a Florida Bank (AmTrust )
- 4.00% 17-Month CD at a Florida Bank (TIB)
- 4.00% 15-Month CD at a Nevada CU (WestStar)
- 4.00% 15-Month CD at a Texas Bank (Patriot)
- 4.00% 23-Month CD at a Indiana Credit Union Continues (Horizon One)
- 4.00% 12-Month CD at a Pennsylvania Bank - Online Application (Earthstar)
- 4.00% 12-Month CD at a Nevada Bank (Silver State)
- 4.00% 19-Month CD at a IL/WI Bank (Amcore)
- 4.00% 15-Month CD at a Chicago Bank (Cole Taylor)
- 3.98% 14-Month CD at a Florida Bank (Heritage)
- 3.80% 12-Month CD at a Maryland CU (Oldham Family Alliance)
- 3.80% 12-Month CD at a New Hampshire Credit Union (NHFCU)
- 3.80% 12-Month CD at a California Bank (First Bank of Beverly Hills)
- 3.75% 15-Month CD at a Michigan Bank (Bank of Auburn Hills)
- 3.75% 14-Month CD at a Philadelphia Bank (East River)
- 3.75% 20-Month CD at a Philadelphia Bank (East River)
- 3.75% 12-Month CD at a Florida Bank (AmTrust )
- 3.75% 12-Month CD at a Texas Bank (Equity)
- 3.70% 12-Month CD at a Missouri Bank (St. Louis)
- 3.65% 12-Month CD at a Washington State CU (HAPO Community)
- 3.60% 12-Month CD at a Chicago Bank (Builders Bank)
- 3.50% 12-Month CD at a Nevada Bank (Community Bank of Nevada)
- 3.50% 12-Month CD at a California Bank - Plus MMA Promo (County)
Terms of Under 12 Months
- 8.00% 8-Month CD at a Oregon CU - $5K Max (Northwest Resource)
- 5.00% 5-Month CD at a Texas CU - $5K Max / Easy Membership (People's Trust)
- 4.75% 3-Month CD at a New York Bank - $100K Min (Park Avenue)
- 4.25% 9-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.05% 6-Month CD at a Houston Credit Union (Plus4)
- 4.05% 7-Month CD at a California Bank (Vineyard)
- 4.05% 10-Month CD at a Philadelphia Bank (Asian Bank)
- 4.01% 10-Month CD at a South Florida Bank (Ocean)
- 4.00% 7-Month CD at a California CU - Easy Membership/ASI-Insured Only (Christian Community)
- 4.00% 4-Month CD at a California CU (Pacific Transportation)
- 4.00% 4-Month CD at a New York Credit Union (Advantage)
- 4.00% 6-Month CD at a Hawaii Credit Union Continues (Maui County Employees')
- 4.00% 6-Month CD at a Nevada Bank (Silver State)
- 4.00% 10-Month CD at a Georgia Bank (Integrity)
- 4.00% 9-Month CD at a Colorado Bank (New Frontier)
- 4.00% 6-Month CD at a Indiana Bank (Union Savings)
- 3.80% 8-Month CD at a WA/OR Bank (Frontier)
- 3.75% 10-Month CD at a Illinois Bank (St. Charles)
- 3.75% 4-Month CD at a Illinois Bank (St. Charles)
- 3.75% 9-Month CD at a Texas Bank (First National)
- 3.75% 6-Month CD at a California CU - Easy Membership (E-Central)
- 3.75% 5-Month CD at a Pennsylvania Bank - Online Application (Earthstar)
- 3.70% 6-Month CD at a Missouri Bank (St. Louis)
- 3.70% 10-Month CD at a Florida / Alabama CU (Pen Air)
- 3.65% 5-Month CD at a California CU - Add-On Feature (SchoolsFirst)
- 3.60% 6-Month CD at a Washington State CU (HAPO Community)
- 3.51% 10-Month CD at a Washington State CU (Numerica)
- 3.50% 6-Month CD at a Chicago Bank (Builders Bank)
- 3.50% 6-Month CD at a Texas Bank (Equity)
- 3.50% 9-Month CD at a New York CU (Bethpage)
- 3.50% 10-Month CD at a Virginia Bank - Add-On (Valley)
- 3.40% 9-Month CD at a California Bank - Plus MMA Promo (County)
- 3.30% 6-Month CD at a Nevada Bank (Community Bank of Nevada)
Bank Account Alternatives
- Money Magazine article on risk-free investments
- GE Interest Plus - 3.30% rate for $50k+
- Fidelity Money Market Fund - 2.48% 7-day yield ($100 bonus and other info)
- Paypal Money Market Fund - 2.33% 7-day yield (1% cashback debit MasterCard)
- TIAA-CREF Money Market Fund - 2.23% 7-day yeild
- Vanguard Prime Money Market Fund - 2.22% 7-day yield
- FW Thread on Treasury Bills
- I Bonds for 2008, I Bond Article, I Bonds as CD Alternatives
Historical Rates from the Federal Reserve (Federal funds, Treasury bills, CD's)
Featured Accounts
Related Posts
Useful Resources
Nationwide Savings Accounts
Anonymous - #1, Sunday, June 29, 2008 - 11:18 AM
Two rewards checking accounts at 6% which are available nationwide are missing from your list. These are Citizens Bank in MN and Arizona Bank and Trust.
Banking Guy (anonymous) - #2, Sunday, June 29, 2008 - 1:53 PM
It has been reported that both are no longer accepting out-of-state applications. Let me know if you've recently been told differently by the banks. Their policies often change. Here are the links to the posts on these reward checking accounts:
Arizona Bank & Trust post and Citizens Bank Minnesota post.
Anonymous - #3, Sunday, June 29, 2008 - 8:02 PM
In the face of anticipated ECB rate hikes, Bernanke has little choice but to increase our rates. If he doesn't, the dollar will fall still further and oil prices will increase once again. I am so tired of our government's failure to defend the American dollar I could spit. It is sickening, it is disgusting, it is un-American, and the perps should be took out back behind the shed and shot.
mark (anonymous) - #4, Friday, July 4, 2008 - 8:01 AM
FYI, RateEdge has dropped their rate again, this time to 2.80%. No idea why they're still heading south when rates seem to be bouncing up lately.
Banking Guy (anonymous) - #5, Friday, July 4, 2008 - 10:02 AM
Thanks for the RateEdge info. Seems like credit unions on average haven't been keeping up lately with the rates that banks have been offering.
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