Bank Deals Weekly Summary for July 5, 2008
Jul 5, 2008 - 4:05 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
CD rates continued to increase this week. On my list I now have 10 banks with yields at 5% or higher for 5-year CDs and 11 banks with yields at 4% or higher for 12-month CDs. Wachovia still has the best short and long CD term rates. Indymac Bank had a busy week with many CD rate changes. They ended the week with some high CD rates including a 4.40% APY 13-month CD. Two small banks that aren't covered much have some short term CDs that are close to what Wachovia is offering. One is Century Bank Direct which is offering a 4.02% APY 10-month CD and a 4.11% APY 15-month CD. For simplicity, I've included this 15-month CD in my 12-month CD list. The other small bank is Crestmark which is offering excellent short term rates on its CDs. It leads my 3-month rate list with a 3.95% APY CD. Its 6 and 9-month CDs are at 4.00% APY, and its 12-month CD is at 4.20% APY.
Unfortunately, savings account rates are not moving up like CD rates. The last non-promo 4% savings account ended this week when Alliant Credit Union lowered its savings account rate from 4.00% to 3.75% APY.
On the positive side, EverBank made a big increase on its 3-month intro rate for its checking and money market account. The 3-month yield is now 4.76% APY (up from 4.01%). This applies to the first $100K of the checking account or the first $50K of the money market account. You have to be a new customer. EverBank also raised the ongoing rates of these accounts. The ongoing rate of the money market account is now a very competitive 3.51% APY.
For reward checking accounts, I posted on a new one that's available nationwide. It's at West Bank, the same bank that holds deposits for SmartyPig. The reward checking yield is only 5.00% APY, but the cap is a nice $50,000. Reward checking accounts with a high cap and a high yield are becoming rare.
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 28th, Jun 21st, Jun 14th, Jun 7th, May 31st, May 24th, May 17th, May 10th and May 3rd.
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 5, 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)
CD rates continued to increase this week. On my list I now have 10 banks with yields at 5% or higher for 5-year CDs and 11 banks with yields at 4% or higher for 12-month CDs. Wachovia still has the best short and long CD term rates. Indymac Bank had a busy week with many CD rate changes. They ended the week with some high CD rates including a 4.40% APY 13-month CD. Two small banks that aren't covered much have some short term CDs that are close to what Wachovia is offering. One is Century Bank Direct which is offering a 4.02% APY 10-month CD and a 4.11% APY 15-month CD. For simplicity, I've included this 15-month CD in my 12-month CD list. The other small bank is Crestmark which is offering excellent short term rates on its CDs. It leads my 3-month rate list with a 3.95% APY CD. Its 6 and 9-month CDs are at 4.00% APY, and its 12-month CD is at 4.20% APY.
Unfortunately, savings account rates are not moving up like CD rates. The last non-promo 4% savings account ended this week when Alliant Credit Union lowered its savings account rate from 4.00% to 3.75% APY.
On the positive side, EverBank made a big increase on its 3-month intro rate for its checking and money market account. The 3-month yield is now 4.76% APY (up from 4.01%). This applies to the first $100K of the checking account or the first $50K of the money market account. You have to be a new customer. EverBank also raised the ongoing rates of these accounts. The ongoing rate of the money market account is now a very competitive 3.51% APY.
For reward checking accounts, I posted on a new one that's available nationwide. It's at West Bank, the same bank that holds deposits for SmartyPig. The reward checking yield is only 5.00% APY, but the cap is a nice $50,000. Reward checking accounts with a high cap and a high yield are becoming rare.
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
- E*TRADE Bank Raises Yield on Complete Savings Account
- Checking Account Changes at Bank of Internet USA
- EverBank Raises Checking and Money Market Account Rates
- It's Official - Alliant Credit Union Cuts Savings Account Rate to 3.75%
CD Deals - National
- 4.00% 12-Month / 3.60% 8-Month Online CDs at WaMu
- New Rates Again at Indymac Bank - 4.40% 13-Month CD
- 5.15% 60-Month / 4.20% 18-Month CD at OnBank - Nationally Available
- 4.20% 12-Month / 4.00% 6-Month CD at Crestmark Bank - Nationally Available
- Discover Bank Raises CD Rates, 5.17% 60-Month / 4.02% 12-Month CD
- UmbrellaBank Raises CD Rates
- Indymac Bank's CD Rate Increase and Latest News
- 4.00% 7-Month CD at Premier America Credit Union - Easy Membership
- 4.45% 24-Month Online CD at Huntington Bank
Checking/Savings Account Bonuses
Reward Checking Accounts
- 5.00% Reward Checking Account at an Iowa Bank - Available Nationwide (West Bank)
- 5.01% Reward Checking Account at a New Jersey Credit Union (Pinnacle)
- 5.01% Reward Checking Account at a Louisiana Bank (St. Martin Bank & Trust Company)
- 4.25% Reward Checking Account at a Hawaii CU (Hawaii USA)
CD and Money Market Deals - Local
- 5.00% 60-Month CD at a Multi-State Bank (First Republic)
- 4.10% 10-Month CD at a California Bank (Canyon National)
- 4.00% 8-Month / 4.25% 18-Month CD at an OR/WA Credit Union (NW Priority)
- 4.70% 12-Month CD at a Utah Bank (Cache Valley)
- 5.12% 60-Month / 4.08% 12-Month CD at a Florida Bank (Peninsula)
- 4.35% 11-Month / 4.35% 23-Month CD at a Florida Bank (Peoples First Community)
- 5.00% 60-Month CD at TD Commerce Bank
- 4.00% 4-Month CD at AL/GA/FL/TX/NV Bank (Colonial)
- 4.00% 9-Month CD at a Florida Bank (BankFIRST)
- 4.01% 7-Month CD at an Oregon CU (Northwest Community)
- 5.00% 60-Month / 4.00% 14-Month CD at MI/WI/OH Bank (Citizens)
- 4.00% 12-Month CD at a Chicago Bank (Builders)
- 4.00% 9-Month CD at a Michigan CU (Lenco)
- 4.25% 19-Month CD at a Georgia Bank (Savannah)
- 5.25% 48-Month / 4.55% 23-Month CD at KeyBank
- 5.15% 60-Month / 4.40% 24-Month CD at a Virginia CU (Northwest) EXPIRED
- 4.25% 10-Month / 4.25% 13-Month CD at an Illinois Bank (Western Springs National Bank & Trust)
- 4.25% 17-Month / 4.00% 11-Month CD at a Pennsylvania Bank (Lafayette Ambassador)
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 28th, Jun 21st, Jun 14th, Jun 7th, May 31st, May 24th, May 17th, May 10th and May 3rd.
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 5, 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 - 4.00% (min $100), 3 mo promo, account review
- SmartyPig - 3.90% (min $25) access restrictions, account review
- Indymac Bank - 3.85% (E-Money Market) (min $10K) (4% for $75K+) account review
- Alliant Credit Union - 3.75% (min $100) account review
- Amegy Bank - 3.65% (min $10K) account review
- Countrywide - 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
- EverBank - 3.51% MMA ($1.5K min) account review
- AARP Financial Savings Center - 3.50%, AARP membership req, account review
- HSBC Direct - 3.50%, promo, account review
- ShoreBank - 3.50%, account review
- OnBank - 3.50%, account review
- Capital One - 3.50% (Savings) (min $10K) account review
- Flagstar - 3.50% MMA, account review
- Provident Direct - 3.50%, account review
- FNBO Direct - 3.50%, account review
- Bank of Internet - 3.46% MMA (min $100) account review
- Century Bank Direct - 3.41% (min $100) account review
- Bank of Internet - 3.40% Checking (min $5K) account review
- UmbrellaBank - 3.40% MMA (min $1K), account review
- Century Bank Direct - 3.35% Checking (min $100) account review
- Nationwide Bank - 3.35% MMA (min $1K) account review
- GCF Bank - 3.34% (min $100), 3-mo promo, account review
- ETrade Bank - 3.30%, post ($25 bonus)
- Washington Mutual - 3.30% (requires checking), account review
- iGObanking - 3.28%, account review
- WTDirect - 3.26% ($10K min), account review
- Amboy Direct - 3.25% (min $3K) (eSavings) account review
- M&T Bank - 3.25%, account review
- Doral Bank Direct - 3.25% (min $1K) account review
- ETrade Bank - 3.25% Checking (min $5K) account review
- CapitalOne/Costco - 3.20% MMA (min $1K, Costco members only, $50 deal for exec. members)
- Discover Bank - 3.14% MMA (min $2.5K) (3.25% for $50K+) account review
- Beverly National Bank - 3.10% (min $5K) account review
- Heartland Bank Direct - 3.05%, ($500 min), account review
- AmboyDirect - 3.05% (Premium Savings) post ($25 bonus)
- Savings Square - 3.05%, account review
- Rainier Pacific - 3.00% MMA account review
- UFB Direct - 3.01%, account review
- FirstFedDirect - 3.01% (min $1K) (closed to CA residents), account review
- E-LOAN - 3.01% ($5K min), account review
- UnivestDirect - 3.00%, (1.75% checking), account review
- ING Direct - 3.00%, (1.75% checking), post ($25 bonus)
- Indymac Bank - 3.00% MMA (min $25K) (4.00% $75K+) account review
- Transportation Alliance Bank - 3.00%, ($25 min), account review
- GMAC Bank - 3.00% MMA (min $500), account review
- Salem Five Direct - 3.00% Checking (3.50% $100K+), account review
- Imperial Capital - 3.00% MMA ($2.5K min) (3.65% for $100K+) account review
- Capital One - 3.00% MMA, account review
- KeyDirect - 3.00% MMA (min $50), Not all states, account review
- BankUnited - 3.00% (min $5K), account review
- grand yield direct - 2.75% (min $2.5K) account review
- BancoFortuna.com - 2.75%, account review
- EmigrantDirect - 2.75%, account review
- Mutual Bank - 2.75% MMA (min $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
- AmTrustDirect - 2.50% (e-Savings) account review
- MyBankingDirect - 2.50% MMA (min $5K), 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 - 2.16% MMA ($500 min) (2.42% for $50K+) account review
- Tennessee Commerce Bank - 2.08% (min $10K), account review
- Charles Schwab - 2.01% Checking, account review
- VirtualBank - 1.77% (min $100), (2.79% $50K+/ 3.30% $100K+) post ($20 bonus)
- ebank - 1.75% MMA ($10K min) (2.50% for $100K+), account review
- AmTrustDirect - 1.50% (e-Money Market) (1.75% $25K+, 2.00% $50K+) account review
3-Month Certificates of Deposit:
- Crestmark Bank - 3.95% (min $25K) account review
- ISN Bank - 3.77% (min $10K) account review
- IndyMac Bank - 3.70% (min $5K), account review
- Imperial Capital - 3.30%, ($2K min), account review
- VirtualBank - 3.30% (min $10K), account review
- E-LOAN - 3.26% ($10K min), account review
- GMAC Bank - 3.25% (min $500), account review
- UmbrellaBank - 3.25% (min $1K) account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- Metropolitan Bank - 3.25% ($2.5K min), account review
- EverBank - 3.04% ($1.5K min) account review
- FirstFedDirect - 3.01% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- Self-Help Credit Union - 2.83% (min $500), account review
- Element Financial - 2.80% (min $10K), account review
- UFB Direct - 2.75% (min $8K)
- ETrade Bank - 2.60% (min $1K), account review
- National Bank of KC - 2.50% (min $10K), account review
6-Month Certificates of Deposit:
- IndyMac Bank - 4.10% (min $5K), account review
- Crestmark Bank - 4.00% (min $25K) account review
- Wachovia - 4.00% (7-mo) (min $5K), req chk, account review
- Christian Community CU - 4.00% (7-mo) (min $500) not NCUA insured (ASI only) account review
- ISN Bank - 3.82% (min $1K) account review
- Century Bank Direct - 3.76% (5 mo) (min $1K) account review
- GMAC Bank - 3.70% (min $500), 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
- VirtualBank - 3.56% (min $10K), account review
- AmTrustDirect - 3.51% (min $1K) account review
- UmbrellaBank - 3.50% (min $1K) account review
- Tennessee Commerce Bank - 3.50% (min $5K)
- Metropolitan Bank - 3.50% ($2.5K min), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Imperial Capital - 3.50% ($2K min), account review
- Zions Bank - 3.50% (min $1K) account review
- EverBank - 3.35% ($1.5K min) account review
- ING Direct - 3.30%, account review
- La Jolla Bank - 3.30% (min $10K), account review
- University FCU - 3.30% (min $2.5K), account review
- Countrywide - 3.30% (min $10K), account review
- ETrade Bank - 3.25% (min $1K), account review
- Intervest - 3.25% (min $2.5K), account review
- Bank of Internet - 3.25% (min $1K) account review
- ebank - 3.25% (min $1K), 3.50% for ePremium checking customers
- FirstFedDirect - 3.25% (min $10K), account review
- Capital One - 3.25% (min $5K) account review
- Northrop Grumman FCU - 3.21% (min $40K), account review
- Advanta Bank - 3.20% (min $10K), 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)
- Mountain America CU - 3.00% (min $1K) account review
- Element Financial - 3.00% (min $10K), account review
- KeyDirect - 3.00% (min $5K), Not all states, account review
- Air Academy FCU - 2.95% (min $10K) restrictions to membership, account review
- CU of Georgia - 2.94% (min $50K), account review
- Principal Bank - 2.75% (7 mo) (min $5K), account review
- iGObanking - 2.75% (min $500), 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
- Lehman Brothers Bank - 2.07% (min $1K)
- Washington Mutual - 2.00% (min $1K), account review
9-Month Certificates of Deposit:
- Century Bank Direct - 4.02% (10 mo) (min $1K) account review
- Crestmark Bank - 4.00% (min $25K) account review
- IndyMac Bank - 4.00% (min $5K), account review
- AmTrustDirect - 3.76% (min $1K) account review
- GMAC Bank - 3.75% (min $500), account review
- Imperial Capital - 3.70% ($2K min), account review
- E-LOAN - 3.66% ($10K min), account review
- UmbrellaBank - 3.60% (min $1K) account review
- Washington Mutual - 3.60% (8 mo) (min $1K), account review
- VirtualBank - 3.56% (min $10K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Citibank - 3.50% (min $500)
- EverBank - 3.45% ($1.5K min) account review
- ING Direct - 3.30% account review
- FirstFedDirect - 3.25% (min $10K), account review
- Bank of Internet - 3.25% (min $1K) account review
- Element Financial - 3.15% (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
12-Month Certificates of Deposit:
- IndyMac Bank - 4.40% (13mo) (min $5K), account review
- Wachovia - 4.25% (min $5K), req chk, account review
- Crestmark Bank - 4.20% (min $25K) account review
- Century Bank Direct - 4.11% (15 mo) (min $1K) account review
- State Bank of India - 4.06% (min $5K) account review
- Ascencia Bank - 4.01% (min $500), account review
- Washington Mutual - 4.00% (min $1K), account review
- UmbrellaBank - 4.00% (min $1K) account review
- Tennessee Commerce Bank - 4.00% (min $5K)
- Digital Credit Union - 4.00% (15 mo) (min $500) account review
- AmTrustDirect - 4.00% (min $1K) account review
- Discover Bank - 3.97% (min $2.5K) account review
- E-LOAN - 3.91% ($10K min), account review
- Transportation Alliance Bank - 3.90% ($1K min)
- Countrywide - 3.90% (min $10K), account review
- Alliant Credit Union - 3.90% (min $25K) account review
- GMAC Bank - 3.90% (min $500), 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
- Corus Bank - 3.82% (min $10K) account review
- VirtualBank - 3.82% (min $10K), account review
- Zions Bank - 3.80% (min $1K) account review
- Fifth Third - 3.75% (13 mo) (min $5K), Not all states, account review
- Zopa - 3.75% (min $500) account review
- Imperial Capital - 3.75% ($2K min), account review
- Melrose CU - 3.75% (min $5K) account review
- EverBank - 3.71% ($1.5K min) account review
- ETrade Bank - 3.65% (min $1K), account review
- Bank of Internet - 3.62% (min $1K) account review
- Advanta Bank - 3.60% (min $10K), account review
- M&T Bank - 3.59% (min $5K) account review
- Mutual Bank - 3.51% (min $1K) account review
- La Jolla Bank - 3.50% (min $10K), account review
- First State Bank - 3.50% ($1K min), account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Capital One - 3.50% (min $5K) account review
- Air Force FCU - 3.45% (min $25K) restrictions to membership, account review
- Element Financial - 3.45% (min $10K), account review
- University FCU - 3.45% (min $2.5K), account review
- Northrop Grumman FCU - 3.41% (min $40K), account review
- Self-Help Credit Union - 3.41% (min $500), account review
- FirstFedDirect - 3.40%, (min $10K) account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- Intervest - 3.35% (min $2.5K), account review
- ING Direct - 3.30% account review
- iGobanking - 3.28% (min $500), account review
- Navy FCU - 3.25% ($20K min) (3.40% for $100K+) restrictions to membership, account review
- KeyDirect - 3.25% (min $5K), Not all states, account review
- CU of Georgia - 3.20% (min $50K), account review
- Delta Community CU - 3.15% (min $1K) account review
- Air Academy FCU - 3.15% (min $10K) membership restrictions, account review
- UFB Direct - 3.15% (min $8K)
- Mountain America CU - 3.10% (min $1K) account review
- Principal Bank - 3.00% (14 mo) (min $5K), account review
- Western FCU - 2.95% (min $40K), account review
- Academy Bank - 2.90% (min $500), account review
- Apple Bank - 2.75% (min $500) account review
- H&R Block Bank - 2.75% (min $250) account review
- National Bank of KC - 2.60% (min $10K), account review
- GTE FCU - 2.27% (min $500) account review
- Lehman Brothers Bank - 2.12% (min $1K)
18-Month Certificates of Deposit:
- IndyMac Bank - 4.40% (min $5K), account review
- Wachovia - 4.40% (min $5K), req chk, account review
- Geauga Savings Bank - 4.25% (min $1K) account review
- AmTrustDirect - 4.22% (min $1K) account review
- M&T Bank - 4.21% (min $5K) account review
- OnBank - 4.20% (min $500), account review
- Century Bank Direct - 4.20% (20 mo) (min $1K) account review
- Discover Bank - 4.13% (min $2.5K), account review
- GMAC Bank - 4.10% (min $500) account review
- Tennessee Commerce Bank - 4.05% (min $5K)
- National City Bank - 4.00% (min $10K) account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- Alliant Credit Union - 3.90% (min $25K) account review
- Zions Bank - 3.85% (min $1K) account review
- EverBank - 3.84% ($1.5K min) account review
- VirtualBank - 3.82% (min $10K), account review
- Intervest - 3.75% (min $2.5K), account review
- Capital One - 3.75% (min $5K) account review
- Advanta Bank - 3.66% (min $10K), account review
- ETrade Bank - 3.65% (min $1K), account review
- Bank of Internet - 3.62% (min $1K) account review
- Mutual Bank - 3.60% (min $1K) account review
- First State Bank - 3.50% ($1K min), account review
- Element Financial - 3.50% (min $10K), 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
- Countrywide - 3.00% (min $10K), account review
- ING Direct - 3.00%, account review
- Academy Bank - 2.85% (min $500) account review
- iGObanking - 2.75% (min $500) account review
- H&R Block Bank - 2.75% (min $250) account review
- National Bank of KC - 2.60% (min $10K), account review
- Lehman Brothers Bank - 2.17% (min $1K)
24-Month Certificates of Deposit:
- IndyMac Bank - 4.65% (min $5K), account review
- National City Bank - 4.50% (min $10K) account review
- KeyDirect - 4.50% (23 mo) (min $5K), Not all states, account review
- Wachovia - 4.50% (min $5K), req chk, account review
- Huntington - 4.45% (min $1K) account review
- M&T Bank - 4.34% (min $5K) account review
- OnBank - 4.30% (min $500), account review
- Fifth Third - 4.30% (min $5K) not all states, account review
- GMAC Bank - 4.25% (min $500) account review
- E-LOAN - 4.25% ($10K min), account review
- Discover Bank - 4.23% (min $2.5K) account review
- State Bank of India - 4.16% (min $5K) account review
- Tennessee Commerce Bank - 4.15% (min $5K)
- Capital One - 4.15% (min $5K) account review
- Alliant Credit Union - 4.05% (min $25K) account review
- Ascencia Bank - 4.01% (min $500), account review
- iGObanking - 4.00% (min $500) account review
- AmTrustDirect - 4.00% (min $1K) account review
- US Bank - 4.00% (25 mo) (min $1K), Not all states, account review
- Zions Bank - 3.97% (min $1K) account review
- EverBank - 3.97% ($1.5K min) account review
- Transportation Alliance Bank - 3.95% ($1K min)
- Intervest - 3.90% (min $2.5K), 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
- Advanta Bank - 3.75% (min $10K), account review
- Mutual Bank - 3.70% (min $1K) account review
- Bank of Internet - 3.68% (min $1K) account review
- Presidential Bank - 3.65% (min $1K)
- Self-Help Credit Union - 3.61% (min $500), account review
- Navy FCU - 3.60% ($20K min) (3.75% for $100K+) restrictions to membership, account review
- Element Financial - 3.60% (min $10K), account review
- University FCU - 3.55% (min $2.5K), account review
- UFB Direct - 3.55% (min $8K)
- Northrop Grumman FCU - 3.51% (min $40K), account review
- Countrywide - 3.50% (min $10K), account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- CU of Georgia - 3.35% (min $50K), account review
- 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
- Mountain America CU - 3.20% (min $1K) account review
- Western FCU - 3.12% (min $40K), account review
- Flagstar - 3.10% (min $500), account review
- Apple Bank - 3.00% (min $500) account review
- ING Direct - 3.00% 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
- OnBank - 4.70% (min $500), account review
- M&T Bank - 4.69% (min $5K) account review
- Fifth Third - 4.66% (37 mo) (min $5K) Not all states account review
- State Bank of India - 4.63% (min $5K) account review
- Discover Bank - 4.60% (min $2.5K) account review
- E-LOAN - 4.50% ($10K min), account review
- GMAC Bank - 4.45% (min $500) account review
- EverBank - 4.31% ($1.5K min) account review
- Tennessee Commerce Bank - 4.30% (min $5K)
- Intervest - 4.25% (min $2.5K), account review
- KeyDirect - 4.25% (min $5K), Not all states, account review
- Capital One - 4.25% (min $5K) (4.50% $100K+) account review
- Melrose CU - 4.06% (min $5K) account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- Transportation Alliance Bank - 4.00% ($1K min)
- AmTrustDirect - 4.00% (min $1K) account review
- Self-Help Credit Union - 3.99% (min $500), account review
- Ascencia Bank - 3.97% (min $500), account review
- Air Force FCU - 3.90% (min $25K) restrictions to membership, account review
- Advanta Bank - 3.85% (min $10K), account review
- ETrade Bank - 3.85% (min $1K), account review
- VirtualBank - 3.82% (min $10K), account review
- Mutual Bank - 3.80% (min $1K) account review
- UFB Direct - 3.80% (min $8K)
- University FCU - 3.75% (min $2.5K), account review
- Northrop Grumman FCU - 3.74% (min $40K), account review
- Bank of Internet - 3.73% (min $1K) account review
- Element Financial - 3.70% (min $10K), account review
- Countrywide - 3.70% (min $10K), account review
- First State Bank - 3.65% ($1K min), account review
- Patelco CU - 3.61% ($1K min), account review
- Mountain America CU - 3.55% (min $1K) account review
- Air Academy FCU - 3.55% (min $10K) membership restrictions, account review
- Delta Community CU - 3.50% (min $1K) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Agriculture FCU - 3.50% (min $1K), account review
- CU of Georgia - 3.45% (min $50K), account review
- Flagstar - 3.45% (min $500), account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- Navy FCU - 3.35% ($20K min) (3.45% for $100K+) restrictions to membership, account review
- Western FCU - 3.35% (min $40K), account review
- National Bank of KC - 3.30% (min $10K), account review
- ING Direct - 3.30%, account review
- Principal Bank - 3.20% (33 mo) (min $5K), account review
- H&R Block Bank - 3.00% (min $250) account review
- 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
- OnBank - 4.90% (min $500), account review
- Discover Bank - 4.81% (min $2.5K) account review
- E-LOAN - 4.80% ($10K min), account review
- US Bank - 4.75% (43 mo) (min $1K), Not all states, account review
- Capital One - 4.75% (min $5K) (5.00% $100K+) account review
- GMAC Bank - 4.60% (min $500) account review
- EverBank - 4.55% ($1.5K min) account review
- Intervest - 4.50% (min $2.5K), account review
- Tennessee Commerce Bank - 4.40% (min $5K)
- Melrose CU - 4.32% (min $5K) account review
- Patelco CU - 4.28% ($1K min), account review
- Self-Help Credit Union - 4.22% (min $500), account review
- Washington Mutual - 4.15% (min $1K), account review
- Transportation Alliance Bank - 4.05% ($1K min)
- Pentagon Federal CU - 4.01% (min $1K), account review
- Advanta Bank - 4.00% (min $10K), account review
- Citibank - 4.00% (min $500)
- Countrywide - 3.95% (min $10K), account review
- Northrop Grumman FCU - 3.91% (min $40K), account review
- University FCU - 3.87% (min $2.5K), account review
- Mountain America CU - 3.85% (min $1K) account review
- VirtualBank - 3.82% (min $10K), account review
- Element Financial - 3.80% (min $10K), account review
- Bank of Internet - 3.78% (min $1K) account review
- First State Bank - 3.75% ($1K min), account review
- National Bank of KC - 3.75% (min $10K), account review
- Flagstar - 3.75% (min $500), account review
- Agriculture FCU - 3.70% (min $1K), account review
- Navy FCU - 3.65% ($20K min) restrictions to membership, 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
- H&R Block Bank - 3.50% (min $250) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- ING Direct - 3.50%, account review
- ebank - 3.40% (min $1K), 3.65% for ePremium checking customers
- USA FCU - 3.14% (min $1K) account review
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- Wachovia - 5.25% (min $5K), req chk, 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
- M&T Bank - 5.04% (min $5K) account review
- E-LOAN - 5.01% ($10K min) (5.25% $100K+) account review
- KeyDirect - 5.00% (min $5K), Not all states, account review
- US Bank - 5.00% (59 mo) (min $1K), Not all states, account review
- GMAC Bank - 5.00% (min $500) account review
- Capital One - 5.00% (min $5K) (5.25% $100K+) account review
- EverBank - 4.68% ($1.5K min) account review
- M&I Bank - 4.65% (min $2.5K), Not all states, account review
- Intervest - 4.60% (min $2.5K), account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- Melrose CU - 4.58% (min $5K) account review
- Washington Mutual - 4.50% (min $1K), account review
- Mountain America CU - 4.50% (min $1K) account review
- Tennessee Commerce Bank - 4.50% (min $5K)
- Patelco CU - 4.39% ($1K min), account review
- Self-Help Credit Union - 4.37% (min $500), account review
- Citibank - 4.35% (min $500)
- ETrade Bank - 4.30% (min $1K), account review
- Advanta Bank - 4.25% (min $10K), account review
- Navy FCU - 4.25% ($20K min) (4.40% for $100K+) restrictions to membership, account review
- Northrop Grumman FCU - 4.18% (min $40K), account review
- Transportation Alliance Bank - 4.10% ($1K min)
- Mutual Bank - 4.10% (54 mo) (min $1K) account review
- Bank of Internet - 4.05% (min $1K) account review
- University FCU - 4.05% (min $2.5K), account review
- Delta Community CU - 4.00% (min $1K) account review
- First State Bank - 4.00% ($1K min), account review
- National Bank of KC - 4.00% (min $10K), account review
- Element Financial - 4.00% (min $10K), account review
- Agriculture FCU - 4.00% (min $1K), account review
- iGobanking - 4.00% (min $500), account review
- AmTrustDirect - 4.00% (min $1K) account review
- ING Direct - 4.00%, account review
- UFB Direct - 4.00% (min $8K)
- Ascencia Bank - 3.97% (min $500), account review
- Air Force FCU - 3.95% (min $25K) restrictions to membership, account review
- Countrywide - 3.95% (min $10K), account review
- Western FCU - 3.92% (min $40K) account review
- Flagstar - 3.90% (min $500), account review
- VirtualBank - 3.82% (min $10K), account review
- Presidential Bank - 3.75% (min $1K)
- Air Academy FCU - 3.75% (min $10K) membership restrictions, account review
- CU of Georgia - 3.71% (min $50K), account review
- Telcom Credit Union - 3.50% (min $500) account review
- H&R Block Bank - 3.50% (min $250) account review
- Doral Bank Direct - 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
- 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
- Intervest - 4.62% (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
- 10.00% 120-Month CD at a Kentucky CU - $1K Max/Youth (Commonwealth)
- 5.12% 60-Month CD at a Florida Bank (Peninsula)
- 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 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)
- 5.00% 60-Month CD at a Multi-State Bank (First Republic)
- 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)
- 4.55% 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)
- 4.16% 30-Month CD at a Washington State CU (Numerica)
- 4.10% 25-Month CD at a Texas Bank (Patriot)
- 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)
- 4.00% 24-Month CD at a New England Bank (Webster)
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)
- 4.70% 12-Month CD at a Utah Bank (Cache Valley)
- 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)
- 4.35% 23-Month CD at a Florida Bank (Peoples First Community)
- 4.30% 12-Month CD at a Texas Bank (San Antonio National)
- 4.25% 18-Month CD at a Georgia Bank (Security Exchange)
- 4.25% 17-Month CD at a Pennsylvania Bank (Lafayette Ambassador)
- 4.25% 13-Month CD at a Illinois Bank (Western Springs National Bank & Trust)
- 4.25% 19-Month CD at a Georgia Bank (Savannah)
- 4.25% 18-Month CD at a OR/WA Credit Union (NW Priority)
- 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)
- 4.08% 12-Month CD at a Florida Bank (Peninsula)
- 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% 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)
- 4.00% 12-Month CD at a Chicago Bank (Builders)
- 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)
- 3.50% 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)
- 4.35% 11-Month CD at a Florida Bank (Peoples First Community)
- 4.25% 9-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.25% 10-Month CD at a Illinois Bank (Western Springs National Bank & Trust)
- 4.10% 10-Month CD at a California Bank (Canyon National)
- 4.05% 10-Month CD at a Philadelphia Bank (Asian Bank)
- 4.01% 10-Month CD at a South Florida Bank (Ocean)
- 4.01% 7-Month CD at a Oregon CU (Northwest Community)
- 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)
- 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)
- 3.80% 8-Month CD at a WA/OR Bank (Frontier)
- 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)
- 3.51% 10-Month CD at a Washington State CU (Numerica)
- 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)
Bank Account Alternatives
- Money Magazine article on risk-free investments
- GE Interest Plus - 3.30% rate for $50k+
- Fidelity Money Market Fund - 2.52% 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 - 2.25% 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
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