Bank Deals Weekly Summary for July 26, 2008
Jul 26, 2008 - 6:29 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
We had more bank failures this week. First Heritage Bank in California and First National Bank of Nevada were closed yesterday, and the FDIC arranged for all deposits to be transfered to Mutual of Omaha Bank. The good news for depositors is that all deposits (both insured and uninsured) were transfered so no one should be losing any money (see post).
CD Rates
CD rates continued to rise. Wachovia had the best 12-month CD rate for the last couple of weeks with its yield of 4.25% APY. Now 3 banks with nationwide availability have better 12-month rates: BankUnited, AmTrustDirect and Corus Bank (see rate list).
There haven't been as many rate hikes on shorter term CDs. The big banks still have the best deals on these. These include Bank of America with a 4.11% APY 7-month CD special (see post), WaMu's 4.25% APY 8-month Online CD (see post) and Wachovia's 4.00% APY 7-month CD (see post).
For long-term CDs we're seeing more 5% yields with shorter terms. Fifth Third is offering in some states a special 5.05% APY for a 37-month term. National City came out with a new CD promotion with a 5.25% APY for terms of 43 to 54 months. The CDs with terms of 19 to 42 months have a yield of 4.75% APY. National City even has a 6.00% APY 5-year CD for residents in certain parts of Ohio and Missouri (see post).
KeyDirect raised its 23-month CD yield to 4.75% APY this week (Note, the 4.75% 23-month is listed in the rate table. The front page still shows 4.50%). Other new competitive CD rates for terms around 24 months include Fifth Third with a 4.55% APY and NewDominion with a 4.50% APY.
Savings Account Rates
There were a few banks this week that raised their savings account rates:
Some more good news this week has to due with the continuation of high rates. HSBC Direct extended the end-date of its 3.50% promo for its Online Savings Account from August 15th to September 15th. I've read rumors that Alliant Credit Union will be continuing its 3.75% APY on its savings account for August. The 3.75% APY continues to be the best non-promo savings account yield.
I reported on a new online savings account at Bank Provident Online. The yield is 3.30% APY which isn't the best, but it has two imporparnt features: 1) The 3.30% is guaranteed for the rest of 2008, and 2) all deposits (even over $100K) are insured by the FDIC and DIF (see post). For those with over $100K, you can get 3.50% APY at Salem Five Direct in its checking account. Like Provident, Salem Five is based in Massachusetts and has DIF insurance. One advantage of Provident over Salem Five is that it has an ACH transfer system that allows for easy bank-to-bank transfers. Note, DIF is a private insurance fund, but it does have a long track record (see DIF's homepage).
Reward Checking Accounts
I reported on three more reward checking accounts this week (see below). There weren't any new nationally available reward checking accounts. The best nationwide deal continues to be the 7.01% reward checking account at MidWest America FCU (see post).
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 Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st, Jun 14th, Jun 7th, May 31st and May 24th.
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 July 26, 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)
We had more bank failures this week. First Heritage Bank in California and First National Bank of Nevada were closed yesterday, and the FDIC arranged for all deposits to be transfered to Mutual of Omaha Bank. The good news for depositors is that all deposits (both insured and uninsured) were transfered so no one should be losing any money (see post).
CD Rates
CD rates continued to rise. Wachovia had the best 12-month CD rate for the last couple of weeks with its yield of 4.25% APY. Now 3 banks with nationwide availability have better 12-month rates: BankUnited, AmTrustDirect and Corus Bank (see rate list).
There haven't been as many rate hikes on shorter term CDs. The big banks still have the best deals on these. These include Bank of America with a 4.11% APY 7-month CD special (see post), WaMu's 4.25% APY 8-month Online CD (see post) and Wachovia's 4.00% APY 7-month CD (see post).
For long-term CDs we're seeing more 5% yields with shorter terms. Fifth Third is offering in some states a special 5.05% APY for a 37-month term. National City came out with a new CD promotion with a 5.25% APY for terms of 43 to 54 months. The CDs with terms of 19 to 42 months have a yield of 4.75% APY. National City even has a 6.00% APY 5-year CD for residents in certain parts of Ohio and Missouri (see post).
KeyDirect raised its 23-month CD yield to 4.75% APY this week (Note, the 4.75% 23-month is listed in the rate table. The front page still shows 4.50%). Other new competitive CD rates for terms around 24 months include Fifth Third with a 4.55% APY and NewDominion with a 4.50% APY.
Savings Account Rates
There were a few banks this week that raised their savings account rates:
- Corus - 3.70% APY (was 3.56%)
- Flagstar - 3.66% APY (was 3.50%)
- Doral Bank Direct - 3.55% APY (was 3.25%)
- Zions Bank - 3.51% APY (was 3.45%)
Some more good news this week has to due with the continuation of high rates. HSBC Direct extended the end-date of its 3.50% promo for its Online Savings Account from August 15th to September 15th. I've read rumors that Alliant Credit Union will be continuing its 3.75% APY on its savings account for August. The 3.75% APY continues to be the best non-promo savings account yield.
I reported on a new online savings account at Bank Provident Online. The yield is 3.30% APY which isn't the best, but it has two imporparnt features: 1) The 3.30% is guaranteed for the rest of 2008, and 2) all deposits (even over $100K) are insured by the FDIC and DIF (see post). For those with over $100K, you can get 3.50% APY at Salem Five Direct in its checking account. Like Provident, Salem Five is based in Massachusetts and has DIF insurance. One advantage of Provident over Salem Five is that it has an ACH transfer system that allows for easy bank-to-bank transfers. Note, DIF is a private insurance fund, but it does have a long track record (see DIF's homepage).
Reward Checking Accounts
I reported on three more reward checking accounts this week (see below). There weren't any new nationally available reward checking accounts. The best nationwide deal continues to be the 7.01% reward checking account at MidWest America FCU (see post).
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
- Feds Close Two Banks
- SFGate Article: Why wasn't IndyMac on the FDIC problem list?
- Look Inside Wachovia's Deposit and CD Growth
- How Safe is the FDIC? Article Reviews the Issue
Savings and Money Market Deals - National
- HSBC Direct's Rate Promotion Extension and HSBC Bonus Update
- New Online Savings Account at Bank Provident Online - 3.30% Until 2009
CD Deals - National
- CD Rates Up at NewDominion Bank - 4.50% 24-Month / 4.25% 12-Month CD
- Rates up at Corus Bank - 4.28% 12-Month CD and 3.70% Money Market Account
- 5.25% 43-Month and 4% Money Market for 6 Months at National City
- AmTrustDirect Raises CD Rates, 12-Month CD Yield is Now 4.30%
- 4.00% 7-Month CD at Brick-and-Mortar Bank of America
- 5.00% 60-Month CD at Salem Five Bank
- 4.35% 12-Month CD at BankUnited
Checking/Savings Account Bonuses
- $100 Checking Account/Direct Deposit Bonus at Flagstar
- E*TRADE Update - Promotions, Savings and Checking Accounts
Reward Checking Accounts
- 5.25% Reward Checking Account at a Louisiana CU (Pelican State)
- 5.25% Reward Checking Account at a Kentucky Bank (Commonwealth Bank & Trust Company)
- 4.51% Reward Checking Account at Eastern New York Federal Credit Union
CD and Money Market Deals - Local
- 4.34% 12-Month CD at a Virginia Bank - Add-On/Penalty-Free (River City)
- 4.50% 12-Month / 4.25% 10-Month CD at a Georgia Bank (Integrity)
- 4.50% 6-Month / 4.35% 12-Month CD at a California Bank (Vineyard)
- 3.90% 3-Month / 4.70% 36-Month CD at a Houston Bank (Lone Star)
- 4.20% 15-Month / 4.05% 7-Month CD at a California Bank (1st Centennial)
- 4.25% 6-Month / 4.25% 12-Month CD at a Nevada Bank (Silver State)
- 6.00% 72-Month CD at a Georgia Bank (Monroe County)
- 3.75% 10-Month CD at a Multi-State Bank - Penalty-Free Withdrawals (First Republic)
- 4.35% 15-Month / 4.05% 10-Month CD at a Philadelphia Bank (Asian Bank)
- 4.05% 11-Month CD at a Tennessee Bank - and a 3.50% Savings Promo (Magna) CD EXPIRED
- 4.30% 12-Month / 5.06% 60-Month CD at a Florida Bank (Surety)
- 7.00% 6-Month CD at a California CU - $7.5K Max (Tracy)
- 4.30% 15-Month / 4.00% 7-Month CD at a South Florida Bank (Premier American)
- 4.35% 14-Month CD at a Northern VA Bank (Freedom Bank of Virginia)
- 8.00% 12-Month CD at a Maryland Credit Union - $1K Max (APGFCU)
- 4.25% 12-Month / 4.10% 6-Month CD at an AL/GA/FL/TX/NV Bank (Colonial)
- 4.70% 24-Month / 4.30% 12-Month CD at a Florida Bank (Mercantile)
- 4.00% 4-Month CD at a NY/NJ/CT Bank (Hudson City Savings)
- 4.50% 12-Month CD at a Florida Bank (Freedom)
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 Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st, Jun 14th, Jun 7th, May 31st and May 24th.
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 July 26, 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 - 4.76% ($1.5K min), 3mo promo, account review
- 1st Constitution Direct - 3.90% (min $100), 3 mo promo, account review
- SmartyPig - 3.90% (min $25) access restrictions, account review
- CapitalOne/Costco - 3.75% Savings (min $10K, Costco members only, $60 deal for exec. members)
- Alliant Credit Union - 3.75% (min $100) account review
- Corus Bank - 3.70% MMA (min $10K) account review
- Flagstar - 3.66% MMA, account review
- Century Bank Direct - 3.57% MMA (min $1K) account review
- Doral Bank Direct - 3.55% (min $1K) account review
- Countrywide - 3.55% (min $10K), account review
- Zions Bank - 3.51% MMA, outside of Utah, (min $2.5K) account review
- EverBank - 3.51% MMA ($1.5K min) account review
- Union Federal Savings - 3.50% account review
- Amegy Bank - 3.50% (min $10K) account review
- FNBO Direct - 3.50%, account review
- Provident Direct - 3.50%, 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
- Nationwide Bank - 3.50% MMA (min $1K) account review + $25 bonus
- AmTrustDirect - 3.50%, 3-mo intro, (e-Savings) account review
- Bank of Internet - 3.46% MMA (min $100) account review
- AARP Financial Savings Center - 3.45%, AARP membership req, 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 (min $5K) account review
- Century Bank Direct - 3.35% Checking (min $100) account review
- GCF Bank - 3.34% (min $100), 3-mo promo, account review
- Provident Bank Online - 3.30% (min $10) (rate good thru 2008) account review
- Washington Mutual - 3.30% (requires checking), account review
- ETrade Bank - 3.30%, post ($25 bonus)
- iGObanking - 3.28%, account review
- OneUnited - 3.26% (min $1K), account review
- WTDirect - 3.26% ($10K min), 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, $60 deal for exec. members)
- Discover Bank - 3.14% MMA (min $2.5K) (3.25% for $50K+) account review
- Indymac Federal Bank - 3.10% (min $1K) (3.70% for $50K+) account review
- Beverly National Bank - 3.10% (min $5K) 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
- Imperial Capital - 3.05% Checking (min $1K) account review
- ETrade Bank - 3.01% Checking (min $5K) account review
- E-LOAN - 3.01% ($5K min), account review
- FirstFedDirect - 3.01% (min $1K) (closed to CA residents), account review
- BankUnited - 3.00% (min $5K), 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
- 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
- UFB Direct - 2.96%, 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%, ongoing, (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 - 2.24% MMA (min $500), account review
- Bank of America NEA - 2.11% MMA ($500 min) (2.37% for $50K+) account review
- VirtualBank - 2.02% (min $100), (3.05% $50K+/ 3.46% $100K+) post ($20 bonus)
- Charles Schwab - 2.01% Checking, account review
- Tennessee Commerce Bank - 1.87% (min $10K), account review
- ebank - 1.75% MMA ($10K min) (3.25% for $100K+), account review
- AmTrustDirect - 1.50% (e-Money Market) (1.75% $25K+, 2.00% $50K+) account review
3-Month Certificates of Deposit:
- ISN Bank - 3.77% (min $10K) account review
- Corus Bank - 3.56% (min $10K) account review
- Imperial Capital - 3.40%, ($2K min), account review
- VirtualBank - 3.30% (min $10K), account review
- E-LOAN - 3.26% ($10K min), account review
- Metropolitan Bank - 3.25% ($2.5K min), account review
- ebank - 3.25% (min $1K)
- UmbrellaBank - 3.25% (min $1K) account review
- GMAC Bank - 3.25% (min $500), account review
- Element Financial - 3.16% (min $10K), account review
- EverBank - 3.05% ($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
- UFB Direct - 2.75% (min $8K)
- ETrade Bank - 2.60% (min $1K), account review
- National Bank of KC - 2.60% (min $10K), account review
6-Month Certificates of Deposit:
- Bank of America - 4.11% (7-mo) (min $5K) account review
- Countrywide Bank - 4.10% (7-mo) (min $10K) account review
- ISN Bank - 4.10% (min $1K) 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) account review
- Premier America CU - 4.00% (7-mo) (min $10K) account review
- Corus Bank - 3.81% (min $10K) account review
- Century Bank Direct - 3.76% (5 mo) (min $1K) account review
- GMAC Bank - 3.75% (min $500), account review
- Greystone Bank - 3.75% (min $50K) account review
- H&R Block Bank - 3.75% (min $10K) account review
- Ascencia Bank - 3.71% (min $500), account review
- Imperial Capital - 3.65% ($2K min), account review
- E-LOAN - 3.61% ($10K min), account review
- Zions Bank - 3.60% (min $1K) account review
- VirtualBank - 3.56% (min $10K), account review
- AmTrustDirect - 3.51% (min $1K) account review
- ebank - 3.50% (min $1K)
- Tennessee Commerce Bank - 3.50% (min $5K)
- Element Financial - 3.50% (min $10K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- UmbrellaBank - 3.50% (min $1K) account review
- EverBank - 3.40% ($1.5K min) account review
- Bank of Internet - 3.35% (min $1K) account review
- Flagstar - 3.35% (min $500), account review
- ETrade Bank - 3.30% (min $1K), account review
- Advanta Bank - 3.30% (min $10K), 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
- Intervest - 3.30% (min $2.5K), account review
- Capital One - 3.25% (min $5K) account review
- FirstFedDirect - 3.25% (min $10K), account review
- Principal Bank - 3.25% (7 mo) (min $5K), account review
- Self-Help Credit Union - 3.21% (min $500), account review
- Northrop Grumman FCU - 3.10% (min $40K), account review
- UFB Direct - 3.05% (min $8K)
- National Bank of KC - 3.00% (min $10K), account review
- KeyDirect - 3.00% (min $5K), Not all states, account review
- Mountain America CU - 3.00% (min $1K) account review
- Air Academy FCU - 2.95% (min $10K) restrictions to membership, account review
- CU of Georgia - 2.94% (min $50K), account review
- iGObanking - 2.75% (min $500), account review
- Western FCU - 2.64% (min $40K), account review
- Wells Fargo - 2.50% (5 months) (min $5K), rate and min vary by state, account review
- Lehman Brothers Bank - 2.07% (min $1K)
- Washington Mutual - 2.00% (min $1K), account review
9-Month Certificates of Deposit:
- Washington Mutual - 4.25% (8 mo) (min $1K), account review
- Indymac Federal Bank - 4.15% (min $5K) account review
- Century Bank Direct - 4.02% (10 mo) (min $1K) account review
- Imperial Capital - 4.00% ($2K min), account review
- State Farm Bank - 3.80% (min $500) account review
- GMAC Bank - 3.76% (min $500), account review
- AmTrustDirect - 3.76% (min $1K) account review
- E-LOAN - 3.66% ($10K min), account review
- UmbrellaBank - 3.60% (min $1K) account review
- VirtualBank - 3.56% (min $10K), account review
- EverBank - 3.50% ($1.5K min) account review
- Element Financial - 3.50% (min $10K), account review
- Citibank - 3.50% (min $500)
- Doral Bank Direct - 3.50% (min $1K) account review
- Bank of Internet - 3.35% (min $1K) account review
- ING Direct - 3.30% account review
- Academy Bank - 3.25% (min $500), account review
- FirstFedDirect - 3.25% (min $10K), account review
- National Bank of KC - 3.00% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- iGObanking - 2.75% (min $500), account review
12-Month Certificates of Deposit:
- BankUnited - 4.35% (min $5K) account review
- AmTrustDirect - 4.30% (min $1K) account review
- Corus Bank - 4.28% (min $10K) account review
- National City Bank - 4.25% (13-mo) (min $10K), req chk, account review
- NewDominion Bank - 4.25% (min $3K) account review
- Wachovia - 4.25% (min $5K) account review
- Washington Mutual - 4.25% (min $1K), account review
- Indymac Federal Bank - 4.15% (min $5K) account review
- Century Bank Direct - 4.11% (15 mo) (min $1K) account review
- Geauga Savings Bank - 4.10% (min $1K) account review
- Greystone Bank - 4.10% (min $50K) account review
- State Bank of India - 4.06% (min $5K) account review
- Ascencia Bank - 4.06% (min $500), account review
- ebank - 4.05% (min $1K)
- UmbrellaBank - 4.05% (min $1K) account review
- GMAC Bank - 4.05% (min $500), account review
- Pacific Mercantile Bank - 4.02% (min $10K) account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- Digital Credit Union - 4.00% (15 mo) (min $500) account review
- Flagstar - 4.00% (min $500), account review
- Tennessee Commerce Bank - 3.97% (min $5K)
- Discover Bank - 3.97% (min $2.5K) account review
- Transportation Alliance Bank - 3.95% ($1K min)
- Imperial Capital - 3.95% ($2K min), account review
- E-LOAN - 3.91% ($10K min), account review
- Alliant Credit Union - 3.90% (min $25K) account review
- Countrywide - 3.90% (min $10K), account review
- ISN Bank - 3.87% (min $1K) account review
- Advanta Bank - 3.85% (min $10K), account review
- Element Financial - 3.85% (min $10K), account review
- Bank of Internet - 3.82% (min $1K) account review
- VirtualBank - 3.82% (min $10K), account review
- EverBank - 3.76% ($1.5K min) account review
- Melrose CU - 3.75% (min $5K) account review
- Zopa - 3.75% (min $500) account review
- Fifth Third - 3.75% (13 mo) (min $5K), Not all states, account review
- National Bank of KC - 3.66% (min $10K), account review
- Zions Bank - 3.65% (min $1K) account review
- ETrade Bank - 3.60% (min $1K), account review
- M&T Bank - 3.59% (min $5K) account review
- Mutual Bank - 3.51% (min $1K) account review
- Principal Bank - 3.51% (14 mo) (min $5K), account review
- Capital One - 3.50% (min $5K) 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
- Intervest - 3.48% (min $2.5K), account review
- University FCU - 3.45% (min $2.5K), account review
- Air Force FCU - 3.45% (min $25K) restrictions to membership, account review
- FirstFedDirect - 3.40%, (min $10K) account review
- Northrop Grumman FCU - 3.36% (min $40K), account review
- CU of Georgia - 3.35% (min $50K), account review
- ING Direct - 3.30% account review
- iGobanking - 3.28% (min $500), account review
- Academy Bank - 3.25% (min $500), account review
- Navy FCU - 3.25% ($20K min) (3.40% for $100K+) restrictions to membership, account review
- Western FCU - 3.17% (min $40K), account review
- Air Academy FCU - 3.15% (min $10K) membership restrictions, account review
- Delta Community CU - 3.15% (min $1K) account review
- Self-Help Credit Union - 3.13% (min $500), account review
- Mountain America CU - 3.10% (min $1K) account review
- UFB Direct - 3.10% (min $8K)
- H&R Block Bank - 2.75% (min $250) account review
- GTE FCU - 2.27% (min $500) account review
- Lehman Brothers Bank - 2.12% (min $1K)
18-Month Certificates of Deposit:
- National City Bank - 4.75% (19-mo) (min $10K), req chk, account review
- Wachovia - 4.40% (min $5K) account review
- AmTrustDirect - 4.35% (min $1K) account review
- NewDominion Bank - 4.30% (min $3K) account review
- ebank - 4.25% (min $1K)
- Geauga Savings Bank - 4.25% (min $1K) account review
- Century Bank Direct - 4.20% (20 mo) (min $1K) account review
- OnBank - 4.20% (min $500), account review
- Greystone Bank - 4.20% (min $50K) account review
- GMAC Bank - 4.15% (min $500) account review
- Discover Bank - 4.13% (min $2.5K), account review
- VirtualBank - 4.08% (min $10K), account review
- Tennessee Commerce Bank - 4.05% (min $5K)
- Doral Bank Direct - 4.00% (min $1K) account review
- Zions Bank - 4.00% (min $1K) account review
- Mutual Bank - 4.00% (min $1K) account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- Intervest - 3.92% (min $2.5K), account review
- EverBank - 3.91% ($1.5K min) account review
- M&T Bank - 3.91% (min $5K) account review
- Advanta Bank - 3.90% (min $10K), account review
- Alliant Credit Union - 3.90% (min $25K) account review
- Bank of Internet - 3.82% (min $1K) account review
- Capital One - 3.75% (min $5K) account review
- National Bank of KC - 3.66% (min $10K), account review
- Academy Bank - 3.60% (min $500) account review
- Flagstar - 3.55% (min $500), account review
- Element Financial - 3.50% (min $10K), account review
- First State Bank - 3.50% ($1K min), account review
- ETrade Bank - 3.45% (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
- H&R Block Bank - 2.75% (min $250) account review
- iGObanking - 2.75% (min $500) account review
- Lehman Brothers Bank - 2.17% (min $1K)
24-Month Certificates of Deposit:
- KeyDirect - 4.75% (23 mo) (min $5K), Not all states, account review
- Fifth Third - 4.55% (min $5K) not all states, account review
- NewDominion Bank - 4.50% (min $3K) account review
- Wachovia - 4.50% (min $5K) account review
- Huntington - 4.45% (min $1K) account review
- Discover Bank - 4.35% (min $2.5K) account review
- AmTrustDirect - 4.35% (min $1K) account review
- VirtualBank - 4.34% (min $10K), account review
- GMAC Bank - 4.32% (min $500) account review
- E-LOAN - 4.31% ($10K min) (4.41% for $100K+) account review
- Greystone Bank - 4.30% (min $50K) account review
- OnBank - 4.30% (min $500), account review
- Transportation Alliance Bank - 4.25% ($1K min)
- State Bank of India - 4.22% (min $5K) account review
- Intervest - 4.18% (min $2.5K), account review
- M&T Bank - 4.18% (min $5K) account review
- Zions Bank - 4.15% (min $1K) account review
- Tennessee Commerce Bank - 4.15% (min $5K)
- Capital One - 4.15% (min $5K) account review
- EverBank - 4.07% ($1.5K min) account review
- Ascencia Bank - 4.06% (min $500), account review
- Alliant Credit Union - 4.05% (min $25K) account review
- Bank of Internet - 4.03% (min $1K) account review
- Advanta Bank - 4.00% (min $10K), account review
- iGObanking - 4.00% (min $500) account review
- Flagstar - 3.99% (min $500), account review
- US Bank - 3.90% (25 mo) (min $1K), Not all states, account review
- National Bank of KC - 3.85% (min $10K), account review
- Air Force FCU - 3.85% (min $25K) restrictions to membership, account review
- Melrose CU - 3.80% (min $5K) account review
- Mutual Bank - 3.70% (min $1K) account review
- Presidential Bank - 3.65% (min $1K)
- University FCU - 3.65% (min $2.5K), account review
- Element Financial - 3.60% (min $10K), account review
- Navy FCU - 3.60% ($20K min) (3.75% for $100K+) restrictions to membership, account review
- Self-Help Credit Union - 3.57% (min $500), account review
- Northrop Grumman FCU - 3.52% (min $40K), account review
- Countrywide - 3.50% (min $10K), account review
- CU of Georgia - 3.45% (min $50K), account review
- UFB Direct - 3.45% (min $8K)
- ebank - 3.40% (min $1K)
- Air Academy FCU - 3.35% (min $10K) membership restrictions, account review
- Delta Community CU - 3.30% (min $1K) account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Western FCU - 3.25% (min $40K), account review
- Mountain America CU - 3.20% (min $1K) 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
- Lehman Brothers Bank - 2.28% (min $1K)
36-Month Certificate of Deposit:
- Fifth Third - 5.05% (37 mo) (min $5K) Not all states account review
- Wachovia - 5.00% (min $5K) account review
- NewDominion Bank - 4.75% (min $3K) account review
- OnBank - 4.70% (min $500), account review
- State Bank of India - 4.68% (min $5K) account review
- Discover Bank - 4.60% (min $2.5K) account review
- E-LOAN - 4.55% ($10K min) (4.70% for $100K+) account review
- GMAC Bank - 4.55% (min $500) account review
- KeyDirect - 4.50% (min $5K), Not all states, account review
- Transportation Alliance Bank - 4.45% ($1K min)
- EverBank - 4.44% ($1.5K min) account review
- Intervest - 4.44% (min $2.5K), account review
- Greystone Bank - 4.40% (min $50K) account review
- AmTrustDirect - 4.35% (min $1K) account review
- VirtualBank - 4.34% (min $10K), account review
- Tennessee Commerce Bank - 4.30% (min $5K)
- Capital One - 4.25% (min $5K) (4.50% $100K+) account review
- Third Federal - 4.25% (min $500) account review
- Ascencia Bank - 4.25% (min $500), account review
- M&T Bank - 4.25% (min $5K) account review
- Flagstar - 4.15% (min $500), account review
- Advanta Bank - 4.10% (min $10K), account review
- Bank of Internet - 4.08% (min $1K) account review
- Melrose CU - 4.06% (min $5K) account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- National Bank of KC - 4.00% (min $10K), account review
- Self-Help Credit Union - 3.91% (min $500), account review
- ETrade Bank - 3.90% (min $1K), 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 - 3.78% (min $40K), account review
- University FCU - 3.75% (min $2.5K), account review
- CU of Georgia - 3.71% (min $50K), account review
- Countrywide - 3.70% (min $10K), account review
- Element Financial - 3.70% (min $10K), account review
- Principal Bank - 3.70% (33 mo) (min $5K), account review
- First State Bank - 3.65% ($1K min), account review
- Patelco CU - 3.61% ($1K min), account review
- Western FCU - 3.55% (min $40K), 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
- Delta Community CU - 3.50% (min $1K) account review
- ebank - 3.40% (min $1K)
- Navy FCU - 3.35% ($20K min) (3.45% for $100K+) restrictions to membership, account review
- ING Direct - 3.30%, account review
- H&R Block Bank - 3.00% (min $250) account review
- Lehman Brothers Bank - 2.38% (min $1K)
48-Month Certificate of Deposit:
- KeyDirect - 5.25% (min $5K), Not all states, account review
- National City Bank - 5.25% (min $10K), req chk, account review
- Wachovia - 5.15% (min $5K) account review
- Washington Mutual - 5.00% (min $1K), account review
- OnBank - 4.90% (min $500), account review
- Discover Bank - 4.81% (min $2.5K) account review
- E-LOAN - 4.80% ($10K min) (4.95% for $100K+) account review
- Transportation Alliance Bank - 4.75% ($1K min)
- NewDominion Bank - 4.75% (min $3K) account review
- GMAC Bank - 4.75% (min $500) account review
- Capital One - 4.75% (min $5K) (5.00% $100K+) account review
- US Bank - 4.70% (45 mo) (min $1K), Not all states, account review
- EverBank - 4.65% ($1.5K min) account review
- Intervest - 4.56% (min $2.5K), account review
- Third Federal - 4.50% (min $500) account review
- Greystone Bank - 4.50% (min $50K) account review
- Tennessee Commerce Bank - 4.40% (min $5K)
- VirtualBank - 4.34% (min $10K), account review
- Melrose CU - 4.32% (min $5K) account review
- Flagstar - 4.30% (min $500), account review
- Patelco CU - 4.28% ($1K min), account review
- M&T Bank - 4.28% (min $5K) account review
- Advanta Bank - 4.20% (min $10K), account review
- Self-Help Credit Union - 4.14% (min $500), account review
- National Bank of KC - 4.10% (min $10K), account review
- Northrop Grumman FCU - 4.03% (min $40K), account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- CU of Georgia - 3.97% (min $50K), account review
- University FCU - 3.97% (min $2.5K), account review
- Countrywide - 3.95% (min $10K), account review
- Bank of Internet - 3.89% (min $1K) account review
- Mountain America CU - 3.85% (min $1K) account review
- Western FCU - 3.83% (min $40K), account review
- Citibank - 3.80% (min $500)
- Element Financial - 3.80% (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
- Navy FCU - 3.65% ($20K min) restrictions to membership, account review
- USA FCU - 3.51% (min $1K) account review
- ING Direct - 3.50%, 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)
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- Wachovia - 5.25% (min $5K) account review
- KeyDirect - 5.25% (min $5K), Not all states, account review
- OnBank - 5.15% (min $500), account review
- Discover Bank - 5.12% (min $2.5K) account review
- State Bank of India - 5.09% (min $5K) account review
- GMAC Bank - 5.05% (min $500) account review
- E-LOAN - 5.01% ($10K min) (5.25% $100K+) account review
- Transportation Alliance Bank - 5.00% ($1K min)
- Washington Mutual - 5.00% (min $1K), account review
- Capital One - 5.00% (min $5K) (5.25% $100K+) account review
- Third Federal - 5.00% (min $500) account review
- US Bank - 5.00% (59 mo) (min $1K), Not all states, account review
- Salem Five Bank - 5.00% (min $10K), account review
- EverBank - 4.80% ($1.5K min) account review
- NewDominion Bank - 4.75% (min $3K) account review
- Intervest - 4.65% (min $2.5K), account review
- Tennessee Commerce Bank - 4.65% (min $5K)
- VirtualBank - 4.60% (min $10K), account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- Greystone Bank - 4.60% (min $50K) account review
- M&T Bank - 4.60% (min $5K) account review
- Melrose CU - 4.58% (min $5K) account review
- Mountain America CU - 4.50% (min $1K) account review
- Flagstar - 4.50% (min $500), account review
- Patelco CU - 4.39% ($1K min), account review
- AmTrustDirect - 4.35% (min $1K) account review
- Advanta Bank - 4.30% (min $10K), account review
- Self-Help Credit Union - 4.30% (min $500), account review
- Bank of Internet - 4.29% (min $1K) account review
- Northrop Grumman FCU - 4.29% (min $40K), 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
- Ascencia Bank - 4.25% (min $500), account review
- University FCU - 4.22% (min $2.5K), account review
- National Bank of KC - 4.20% (min $10K), account review
- CU of Georgia - 4.18% (min $50K), account review
- Mutual Bank - 4.10% (54 mo) (min $1K) account review
- Citibank - 4.00% (min $500)
- Telcom Credit Union - 4.00% (min $500) account review
- Western FCU - 4.00% (min $40K) account review
- UFB Direct - 4.00% (min $8K)
- ING Direct - 4.00%, 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
- First State Bank - 4.00% ($1K min), account review
- Delta Community CU - 4.00% (min $1K) account review
- Countrywide - 3.95% (min $10K), account review
- Air Force FCU - 3.95% (min $25K) restrictions to membership, account review
- USA FCU - 3.82% (min $1K) account review
- Air Academy FCU - 3.75% (min $10K) membership restrictions, account review
- Presidential Bank - 3.75% (min $1K)
- Doral Bank Direct - 3.50% (min $1K) account review
- H&R Block Bank - 3.50% (min $250) account review
- ebank - 3.40% (min $1K)
- Apple Bank - 3.00% (min $500) account review
- Lehman Brothers Bank - 2.48% (min $1K)
84-Month Certificate of Deposit:
- Capital One - 5.40% (min $5K) account review
- KeyDirect - 5.25% (min $5K) (5.50% 10yr) Not all states, account review
- Washington Mutual - 5.00% (min $1K), account review
- Navy FCU - 4.75% ($20K min) restrictions to membership, account review
- Intervest - 4.67% (min $2.5K), account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- Countrywide - 3.00% (min $10K), account review
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
- 4.25% 3-Month Money Market Promo at Amboy (New Jersey)
- 3.05% Checking Account (Florida)
- 3.05% Money Market Account (Utah)
- 3.00% Checking Account (Tennessee)
- 2.80% No-Minimum Online Savings Account (New York)
- 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
- 6.00% 60-Month CD at National City Branches in parts of OH and MO
- 6.00% 72-Month CD at a Georgia Bank (Monroe County)
- 5.15% 60-Month CD at a Connecticut Bank (Naugatuck Valley Savings and Loan)
- 5.10% 60-Month CD at a Chicago Bank (Cole Taylor)
- 5.06% 60-Month CD at a Florida Bank (Surety)
- 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 New Jersey CU (Garden Savings)
- 5.00% 60-Month CD at a Texas Bank (Omni American)
- 5.00% 60-Month CD at a Multi-State Bank (First Republic)
- 5.00% 60-Month CD at a Florida/Georgia Bank (Atlantic Coast)
- 5.00% 60-Month CD at a Florida Bank (Sunshine State Community)
- 5.00% 60-Month CD at a Georgia Credit Union (Georgia Heritage)
- 4.50% 60-Month CD at a MD/PA/NJ Bank - T-Bill Index (Susquehanna)
Terms of 24 Months to Under 60 Months
- 5.15% 36-Month CD at a Connecticut Bank (Naugatuck Valley Savings and Loan)
- 5.01% 48-Month CD at a Washington State Credit Union (Gesa)
- 5.00% 48-Month CD at a Florida Bank (Federal Trust)
- 5.00% 39-Month CD at a IL/WI Bank (Amcore)
- 4.75% 36-Month CD at a Chicago Bank (Cole Taylor)
- 4.70% 24-Month CD at a Florida Bank (Mercantile)
- 4.70% 36-Month CD at a Houston Bank (Lone Star)
- 4.63% 53-Month CD at a Idaho Credit Union (Advantage Plus)
- 4.55% 59-Month CD at a Missouri Bank (Truman)
- 4.50% 36-Month CD at a Florida Bank (Federal Trust)
- 4.50% 36-Month CD at a Michigan Bank (Peoples State)
- 4.47% 24-Month CD at a Arizona Bank (Union)
- 4.18% 24-Month CD at a Florida CU (South Florida)
- 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% 24-Month CD at a MO/KS/CO Bank (Hillcrest)
- 4.00% 24-Month CD at a California Bank (First Bank of Beverly Hills)
Terms of 12 Months to Under 24 Months
- 8.00% 12-Month CD at a Maryland Credit Union - $1K Max (APGFCU)
- 5.00% 12-Month CD at a Texas CU - $1K Max (A+ FCU)
- 4.70% 12-Month CD at a Utah Bank (Cache Valley)
- 4.50% 12-Month CD at a Florida Bank (Freedom)
- 4.50% 12-Month CD at a Georgia Bank (Integrity)
- 4.35% 23-Month CD at a Florida Bank (Peoples First Community)
- 4.35% 12-Month CD at a New Jersey Bank (RomAsia)
- 4.35% 14-Month CD at a Northern VA Bank (Freedom Bank of Virginia)
- 4.35% 15-Month CD at a Philadelphia Bank (Asian Bank)
- 4.35% 12-Month CD at a California Bank (Vineyard)
- 4.34% 12-Month CD at a Virginia Bank - Add-On/Penalty-Free (River City)
- 4.30% 12-Month CD at a Colorado Bank (Community Banks of Colorado)
- 4.30% 12-Month CD at a Florida Credit Union (Innovations)
- 4.30% 12-Month CD at a California Bank (Community Banks of Northern California)
- 4.30% 12-Month CD at a Florida Bank (Mercantile)
- 4.30% 15-Month CD at a South Florida Bank (Premier American)
- 4.30% 12-Month CD at a Florida Bank (Surety)
- 4.28% 12-Month CD at a Dallas Bank (NexBank)
- 4.25% 18-Month CD at a Georgia Bank (Security Exchange)
- 4.25% 17-Month CD at a Pennsylvania Bank (Lafayette Ambassador)
- 4.25% 19-Month CD at a Georgia Bank (Savannah)
- 4.25% 18-Month CD at a OR/WA Credit Union (NW Priority)
- 4.25% 12-Month CD at a Multi-State Bank (Omni National)
- 4.25% 12-Month CD at a Florida Bank (Central)
- 4.25% 13-Month CD at a Texas Bank (Franklin)
- 4.25% 12-Month CD at a AL/GA/FL/TX/NV Bank (Colonial)
- 4.25% 12-Month CD at a Nevada Bank (Silver State)
- 4.20% 15-Month CD at a California Bank (1st Centennial)
- 4.17% 12-Month CD at a Florida Bank (BankAtlantic)
- 4.16% 12-Month CD at a Arizona Bank (Union)
- 4.15% 15-Month CD at a Texas Bank (Millennium)
- 4.14% 16-Month CD at a Florida Bank - Early Withdrawal Option (Synovus)
- 4.10% 15-Month CD at a Chicago Bank (Cole Taylor)
- 4.08% 16-Month CD at a Indiana/Kentucky Bank (Your Community)
- 4.06% 12-Month CD at a Texas Bank (Sovereign)
- 4.05% 17-Month CD at a Missouri Bank (Truman)
- 4.03% 23-Month CD at a Idaho Credit Union (Advantage Plus)
- 4.00% 23-Month CD at a Indiana Credit Union Continues (Horizon One)
- 4.00% 19-Month CD at a IL/WI Bank (Amcore)
- 4.00% 15-Month CD at a Illinois Bank (Midwest)
- 4.00% 12-Month CD at a California Bank (Temecula Valley)
- 4.00% 12-Month CD at a Florida Bank (Sunshine State Community)
- 3.80% 12-Month CD at a California Bank (First Bank of Beverly Hills)
Terms of Under 12 Months
- 10.00% 5-Month CD at a California CU - $2K Max (Telesis Community)
- 7.00% 6-Month CD at a California CU - $7.5K Max (Tracy)
- 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)
- 4.50% 6-Month CD at a California Bank (Vineyard)
- 4.35% 11-Month CD at a Florida Bank (Peoples First Community)
- 4.25% 6-Month CD at a New Jersey Bank (RomAsia)
- 4.25% 7-Month CD at a Colorado Credit Union (Ent)
- 4.25% 6-Month CD at a Nevada Bank (Silver State)
- 4.25% 10-Month CD at a Georgia Bank (Integrity)
- 4.18% 6-Month CD at a Florida CU (South Florida)
- 4.15% 6-Month CD at a Colorado Bank (Community Banks of Colorado)
- 4.15% 6-Month CD at a Colorado Bank (Vectra)
- 4.15% 6-Month CD at a California Bank (Community Banks of Northern California)
- 4.10% 6-Month CD at a AL/GA/FL/TX/NV Bank (Colonial)
- 4.08% 6-Month CD at a California Bank (Gateway Business)
- 4.05% 10-Month CD at a Philadelphia Bank (Asian Bank)
- 4.05% 7-Month CD at a California Bank (1st Centennial)
- 4.04% 4-Month CD at a Tennessee Bank (Clayton Bank and Trust)
- 4.01% 10-Month CD at a South Florida Bank (Ocean)
- 4.00% 6-Month CD at a Indiana Bank (Union Savings)
- 4.00% 11-Month CD at a Pennsylvania Bank (Lafayette Ambassador)
- 4.00% 9-Month CD at a Michigan CU (Lenco)
- 4.00% 9-Month CD at a Florida Bank (BankFIRST)
- 4.00% 8-Month CD at a OR/WA Credit Union (NW Priority)
- 4.00% 10-Month CD at a Texas Bank (Millennium)
- 4.00% 9-Month CD at a Illinois Bank (Midwest)
- 4.00% 10-Month CD at a Pennsylvania Bank (Alliance)
- 4.00% 7-Month CD at a Texas Bank (Franklin)
- 4.00% 11-Month CD at a Chicago Bank (Cole Taylor)
- 4.00% 6-Month CD at a Arizona Bank (Community Bank of Arizona)
- 4.00% 9-Month CD at a Pennsylvania Credit Union (Police and Fire)
- 4.00% 6-Month CD at a Nevada Bank - and Reward Checking (Community Bank of Nevada)
- 4.00% 4-Month CD at a NY/NJ/CT Bank (Hudson City Savings)
- 4.00% 7-Month CD at a South Florida Bank (Premier American)
- 3.90% 3-Month CD at a Houston Bank (Lone Star)
- 3.80% 6-Month CD at a California CU - Easy Membership (E-Central)
- 3.80% 8-Month CD at a WA/OR Bank (Frontier)
- 3.80% 11-Month CD at a Indiana/Kentucky Bank (Your Community)
- 3.75% 10-Month CD at a Multi-State Bank - Penalty-Free Withdrawals (First Republic)
- 3.50% 10-Month CD at a Virginia Bank - Add-On (Valley)
Bank Account Alternatives
- Money Magazine article on risk-free investments
- GE Interest Plus - 3.30% rate for $50k+
- Fidelity Money Market Fund - 2.44% 7-day yield (reviews on Fatwallet)
- TIAA-CREF Money Market Fund - 2.34% 7-day yeild
- Paypal Money Market Fund - 2.30% 7-day yield (1% cashback debit MasterCard)
- Vanguard Prime Money Market Fund - 2.21% 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
Triple Jaygh and the Devil (anonymous) - #1, Sunday, July 27, 2008 - 1:27 AM
I also was told by an Alliant Credit Union rep that the savings account rate will not be dropping in August.
Thanks, Banking Guy.
Anonymous - #2, Monday, July 28, 2008 - 7:41 AM
Well, Amtrust is at it again. Increased their 12 & 18 mo cd's on 7/24 I think and now have reduced them lower than they were before 7/24. I have a couple of cd's left their that mature in sept and then I am done with them. Never did like them very much anyway.
Anonymous - #3, Monday, July 28, 2008 - 9:50 AM
I don't know what is up at Amtrust as they are now showing the rates at 4.30 and 4.35 again. I don't know if the 3.93 they were showing earlier was a mistake or if they did lower the rates and changed their mind. Anyway I am done when my cd's mature.
fife (anonymous) - #4, Friday, August 1, 2008 - 12:19 PM
FYI: I was just reviewing my EmigrantDirect account and noticed they bumped the rate up from 2.75 to 3.00% APY.
I keep small change in each of my "non-active" savings accounts. Call me silly but I keep just enough to earn more than $0.005 and get the penny each month. It's more for kicks than anything else.
I opened an account with Alliant CU a few months ago and have been happy with them so far, although I do miss the quick transfer system Etrade has. Glad to see the savings rate will continue and hold for August.
Thanks for the helpful info you continue to provide Banking Guy.
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