Bank Deals Weekly Summary for August 16, 2008
Aug 16, 2008 - 4:51 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
The 4-percent savings account list grew this week. All of these 4% yields are promotions that are only scheduled to last for 3 to 6 months. Nevertheless, these can be better than short term CDs. One new bank that I added is Goldwater Bank of Arizona which is offering a 4% APY through 2008. Unfortunately, the account has a few undesirable features (see post). 1st Constitution Direct increased its 3-month promo yield to 4% APY on its Direct Super Savings Account. I've also added National City's 4% money market promo to the list. This requires a National City checking account, and it may not be available in all states. It does have a nice 180-day guarantee.
It would have been nice if AARP Financial Savings Center had a rate guarantee. Unfortunately, there is no guarantee, and we're seeing that as the rates on the savings account and Jumbo MMA continue to drop. Both now have a yield of 3.05% APY which puts these in the bottom half of my list. It's hard to believe that in early May the Jumbo MMA had a yield of 4.75% and the savings account had a yield of 4.50%.
The best type of account is one that maintains very competitive rates for the long term. Countrywide's SavingsLink account used to be like this, but now its high-yield future is in doubt with Bank of America's takeover of Countrywide. The SavingsLink yield has slowly fallen this year, and it continues to fall. The yield fell by another 5 basis points this week to 3.50% APY for balances over $10K.
Some of the high yield savings accounts and money market accounts that have maintained very competitive yields for the last year include Corus Bank, Alliant Credit Union and Flagstar. There are some new savings accounts that have recently been launched with competitive yields (two of which include Emigrant's new DollarSavingsDirect and the new Union Federal Savings). We'll have to wait and see if these can maintain top yields.
Below is a list of some of the major savings account rate changes for this week:
Rate Hikes:
Rate Drops:
KeyDirect raised the yield on its 12-month CD to 4.30% APY this week. If you open a Key Advantage Checking with the CD, you can bump up the CD yield to 4.55% APY. KeyDirect also has some high long-term CD yields. If you include the checking rate bump, these include a 5.00% APY 23-month CD and a 5.50% APY 48-month CD (see post).
WaMu continues to offer online CDs with yields of 4.50% APY for a 12-month term and 4.25% APY for an 8-month term (see post)
The best short-term CD deal is at Christian Community Credit Union which just recently raised the yield on its 7-month new-member CD special to 4.50% APY. This is a credit union available to all. The downside to this credit union is that it only has private insurance from ASI (see post).
Reward Checking Accounts
I reported on four more reward checking accounts this week (see below). One new reward checking account and one previous one were added to my list of nationally available reward checking accounts. The new one is offered by First State Bank of Kansas City. It has a yield of 5.03% APY on the first $25K (see post). The old one is offered by a Louisiana Bank, and it also pays around 5% APY on the first $25K (see post). For both banks, you can apply online at CheckingFinder.com.
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 Aug 9th, Aug 2nd, Jul 26th, Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st and Jun 14th.
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 August 16, 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)
The 4-percent savings account list grew this week. All of these 4% yields are promotions that are only scheduled to last for 3 to 6 months. Nevertheless, these can be better than short term CDs. One new bank that I added is Goldwater Bank of Arizona which is offering a 4% APY through 2008. Unfortunately, the account has a few undesirable features (see post). 1st Constitution Direct increased its 3-month promo yield to 4% APY on its Direct Super Savings Account. I've also added National City's 4% money market promo to the list. This requires a National City checking account, and it may not be available in all states. It does have a nice 180-day guarantee.
It would have been nice if AARP Financial Savings Center had a rate guarantee. Unfortunately, there is no guarantee, and we're seeing that as the rates on the savings account and Jumbo MMA continue to drop. Both now have a yield of 3.05% APY which puts these in the bottom half of my list. It's hard to believe that in early May the Jumbo MMA had a yield of 4.75% and the savings account had a yield of 4.50%.
The best type of account is one that maintains very competitive rates for the long term. Countrywide's SavingsLink account used to be like this, but now its high-yield future is in doubt with Bank of America's takeover of Countrywide. The SavingsLink yield has slowly fallen this year, and it continues to fall. The yield fell by another 5 basis points this week to 3.50% APY for balances over $10K.
Some of the high yield savings accounts and money market accounts that have maintained very competitive yields for the last year include Corus Bank, Alliant Credit Union and Flagstar. There are some new savings accounts that have recently been launched with competitive yields (two of which include Emigrant's new DollarSavingsDirect and the new Union Federal Savings). We'll have to wait and see if these can maintain top yields.
Below is a list of some of the major savings account rate changes for this week:
Rate Hikes:
- Goldwater Bank (new) - 4.00% APY
- 1st Constition's 3mo promo - 4.00% APY (was 3.90%)
- GCF Bank's 3mo promo - 3.80% APY (was 3.34%)
- Zions Bank - 3.56% APY (was 3.51%)
Rate Drops:
- Countrywide SavingsLink - 3.50% APY (was 3.55%)
- AARP Financial Savings - 3.05% APY (was 3.20%)
- UFB Direct - 2.85% APY (was 2.96%)
KeyDirect raised the yield on its 12-month CD to 4.30% APY this week. If you open a Key Advantage Checking with the CD, you can bump up the CD yield to 4.55% APY. KeyDirect also has some high long-term CD yields. If you include the checking rate bump, these include a 5.00% APY 23-month CD and a 5.50% APY 48-month CD (see post).
WaMu continues to offer online CDs with yields of 4.50% APY for a 12-month term and 4.25% APY for an 8-month term (see post)
The best short-term CD deal is at Christian Community Credit Union which just recently raised the yield on its 7-month new-member CD special to 4.50% APY. This is a credit union available to all. The downside to this credit union is that it only has private insurance from ASI (see post).
Reward Checking Accounts
I reported on four more reward checking accounts this week (see below). One new reward checking account and one previous one were added to my list of nationally available reward checking accounts. The new one is offered by First State Bank of Kansas City. It has a yield of 5.03% APY on the first $25K (see post). The old one is offered by a Louisiana Bank, and it also pays around 5% APY on the first $25K (see post). For both banks, you can apply online at CheckingFinder.com.
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
- Friday Bank Closures and a FDIC NY Times Article
- Fewer Uninsured Deposits at IndyMac and the Future Sale of IndyMac
- Safety of Credit Unions?
Savings and Money Market Deals - National
- 4.00% Savings Account at Goldwater Bank
- Update on National City's Money Market and CD Promotions
- Frost Bank's Online Checking Account
CD Deals - National
- 4.25% 8-Month / 4.50% 13-Month Add-On CDs at WaMu
- Discover Bank Increases CD Rates - 5.28% 60-Month / 5.02% 48-Month
- 5.00% 48-Month CD at Third Federal Savings & Loan - Nationally Available
- E-LOAN's New CD Rates: 4.26% 12-Month and 3.95% 9-Month
- 4.37% 12-Month CD at Geauga Savings Bank
- Update on ING Direct CDs
Checking/Savings Account Bonuses
Reward Checking Accounts
- 5.15% Reward Checking Account at Connexus Credit Union - Nationally Available
- 5.03% Reward Checking Account at First State Bank of Kansas City
- 4.01% Reward Checking Account at a Georgia Bank (Touchmark National)
- 5.03% Reward Checking Account at a KS/MO/TX Bank (Solutions)
- 5.00% Reward Checking Account at a North Carolina Bank (Blueharbor)
CD and Money Market Deals - Local
- 4.50% 6-Month / 5.00% 30-Month CD at a Georgia Bank (Integrity)
- 4.60% 15-Month CD at a Florida Bank (BankUnited)
- 4.10% 9-Month CD at an Arizona Bank (SunBank)
- 5.00% 48-Month / 5.00% 60-Month CD at a Tennessee CU (Eastman)
- 3.50% Money Market Account at a Massachusetts Bank (Brookline)
- 4.25% 12-Month / 4.00% 6-Month CD at a Tennessee Credit Union (Y-12)
- 4.37% 15-Month CD at a Multi-State Credit Union (Wings Financial)
- 4.05% 9-Month / 4.05% 12-Month CD at a NJ/NY Bank (Valley National)
- 4.11% 7-Month / 4.15% 9-Month CD at Banco Popular
- CD and Savings Account Deals at Imperial Capital Bank
- 4.25% 16-Month CD at a Florida Bank - Early Withdrawal Option (Synovus)
- 4.44% 18-Month CD at a Texas Bank (Founders) EXPIRED
- 4.15% 8-Month CD at a New Jersey CU (United Teletech Financial)
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 Aug 9th, Aug 2nd, Jul 26th, Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st and Jun 14th.
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 August 16, 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
- Goldwater Bank - 4.00% (min $1.5K) account review
- National City - 4.00% (min $5K), 6 mo promo, Not all states, account review
- 1st Constitution Direct - 4.00% (min $100), 3 mo promo, account review
- AmTrustDirect - 4.00%, 3-mo intro, (e-Savings) account review
- SmartyPig - 3.90% (min $25) access restrictions, account review
- Corus Bank - 3.85% MMA (min $10K) account review
- GCF Bank - 3.80% (min $100), 3-mo promo, account review
- Washington Mutual - 3.75% (requires checking), account review
- Union Federal Savings - 3.75% account review
- Alliant Credit Union - 3.75% (min $100) account review
- CapitalOne/Costco - 3.75% Savings (min $10K, Costco members only, $60 deal for exec. members)
- DollarSavingsDirect - 3.75% ($1K min) account review
- Flagstar - 3.65% MMA, account review
- Century Bank Direct - 3.57% MMA (min $1K) account review
- Zions Bank - 3.56% MMA, outside of Utah, (min $2.5K) account review
- Heartland Bank Direct - 3.55%, ($500 min), account review
- Doral Bank Direct - 3.55% (min $1K) account review
- BankUnited - 3.55% (min $5K), account review
- Nationwide Bank - 3.52% MMA (min $1K) account review + $25 bonus
- Amegy Bank - 3.52% (min $10K) account review
- EverBank - 3.51% MMA ($1.5K min) 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
- Provident Direct - 3.50%, account review
- FNBO Direct - 3.50%, account review
- CNB Bank Direct - 3.50%, account review
- Countrywide - 3.50% (min $10K), 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
- WTDirect - 3.31% ($10K min), account review
- ETrade Bank - 3.30%, post ($25 bonus)
- Provident Bank Online - 3.30% (min $10) (rate good thru 2008) account review
- iGObanking - 3.28%, account review
- OneUnited - 3.26% (min $1K), account review
- Amboy Direct - 3.25% (min $3K) (eSavings) account review
- M&T Bank - 3.25%, account review
- CapitalOne/Costco - 3.20% MMA (min $1K, Costco members only, $60 deal for exec. members)
- Beverly National Bank - 3.10% (min $5K) account review
- Indymac Federal Bank - 3.10% (min $1K) (3.70% for $50K+) account review
- Imperial Capital - 3.05% Checking (min $1K) account review
- AmboyDirect - 3.05% (Premium Savings) post ($25 bonus)
- Savings Square - 3.05%, account review
- AARP Financial Savings Center - 3.05%, AARP membership req, account review
- Discover Bank - 3.04% MMA (min $2.5K) (3.14% for $50K+) account review
- FirstFedDirect - 3.01% (min $1K) (closed to CA residents), account review
- E-LOAN - 3.01% ($5K min), account review
- ETrade Bank - 3.01% Checking (min $5K) account review
- EmigrantDirect - 3.00%, account review
- Rainier Pacific - 3.00%, MMA account review
- UnivestDirect - 3.00%, (1.75% checking), account review
- ING Direct - 3.00%, (1.75% checking), post ($25 bonus)
- 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
- UFB Direct - 2.85%, account review
- MetLife Bank - 2.75% MMA (min $10K), post ($50 bonus)
- grand yield direct - 2.75% (min $2.5K) 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
- VirtualBank - 2.53% (min $100), (3.30% $25K+/ 3.56% $50K+) post ($20 bonus)
- Melrose CU - 2.52% (min $25) account review
- AmTrustDirect - 2.50%, ongoing, (e-Savings) account review
- MyBankingDirect - 2.50% MMA (min $5K), account review
- Bank of America DoW - 2.40% MMA (min $5K), account review
- Self-Help Credit Union - 2.23% MMA (min $500), account review
- Bank of America NEA - 2.11% MMA ($500 min) (2.37% for $50K+) account review
- Tennessee Commerce Bank - 2.01% (min $10K), account review
- Charles Schwab - 2.01% Checking, 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
- Nationwide Bank - 3.50% (min $500) account review
- VirtualBank - 3.46% (min $10K), account review
- E-LOAN - 3.41% ($10K min), account review
- Imperial Capital - 3.40%, ($2K min), account review
- GMAC Bank - 3.25% (min $500), account review
- UmbrellaBank - 3.25% (min $1K) account review
- ebank - 3.25% (min $1K)
- Metropolitan Bank - 3.25% ($2.5K min), account review
- Element Financial - 3.16% (min $10K), 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
- UFB Direct - 2.81% (min $8K)
- National Bank of KC - 2.60% (min $10K), account review
- ETrade Bank - 2.60% (min $1K), account review
6-Month Certificates of Deposit:
- Christian Community CU - 4.50% (7-mo) (min $500) not NCUA insured (ASI only) account review
- ISN Bank - 4.10% (min $1K) account review
- Countrywide Bank - 4.10% (7-mo) (min $10K) account review
- Corus Bank - 4.05% (min $10K) account review
- Ascencia Bank - 4.01% (min $500), account review
- Imperial Capital - 4.00% ($2K min), account review
- Premier America CU - 4.00% (7-mo) (min $10K) account review
- Wachovia - 4.00% (7-mo) (min $5K) account review
- VirtualBank - 3.82% (min $10K), account review
- E-LOAN - 3.77% ($10K min), account review
- Century Bank Direct - 3.76% (5 mo) (min $1K) account review
- GMAC Bank - 3.76% (min $500), account review
- H&R Block Bank - 3.75% (min $10K) account review
- Nationwide Bank - 3.75% (7mo) (min $500) account review
- Zions Bank - 3.73% (min $1K) account review
- Flagstar - 3.65% (min $500), account review
- AmTrustDirect - 3.51% (min $1K) account review
- ING Direct - 3.50%, account review
- UmbrellaBank - 3.50% (min $1K) account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Element Financial - 3.50% (min $10K), account review
- Tennessee Commerce Bank - 3.50% (min $5K)
- ebank - 3.50% (min $1K)
- Advanta Bank - 3.40% (min $10K), account review
- Bank of Internet - 3.35% (min $1K) account review
- EverBank - 3.34% ($1.5K min) account review
- Northrop Grumman FCU - 3.30% (min $40K), account review
- Intervest - 3.30% (min $2.5K), 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 - 3.30% (min $1K), account review
- Greystone Bank - 3.30% (min $50K) account review
- Principal Bank - 3.25% (7 mo) (min $5K), account review
- FirstFedDirect - 3.25% (min $10K), account review
- Capital One - 3.25% (min $5K) account review
- Bank of America - 3.20% (7-mo) (min $5K) account review
- Self-Help Credit Union - 3.15% (min $500), account review
- UFB Direct - 3.01% (min $8K)
- Mountain America CU - 3.00% (min $1K) account review
- KeyDirect - 3.00% (min $5K), 3.25% w/chk, Not all states, account review
- National Bank of KC - 3.00% (min $10K), account review
- CU of Georgia - 2.99% (min $50K), account review
- Air Academy FCU - 2.95% (min $10K) restrictions to membership, 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
- VirtualBank - 4.13% (min $10K), account review
- La Jolla Bank - 4.05% (10mo) (min $10K), account review
- Century Bank Direct - 4.02% (10 mo) (min $1K) account review
- Imperial Capital - 4.00% ($2K min), account review
- Stonebridge Bank - 4.00% (min $500) account review
- E-LOAN - 3.95% ($10K min), account review
- UmbrellaBank - 3.80% (min $1K) account review
- State Farm Bank - 3.80% (min $500) account review
- Academy Bank - 3.80% (min $500), account review
- AmTrustDirect - 3.76% (min $1K) account review
- GMAC Bank - 3.76% (min $500), account review
- ING Direct - 3.60% account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Citibank - 3.50% (min $500)
- Element Financial - 3.50% (min $10K), account review
- EverBank - 3.41% ($1.5K min) account review
- Bank of Internet - 3.35% (min $1K) account review
- FirstFedDirect - 3.25% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- National Bank of KC - 3.00% (min $10K), account review
- iGObanking - 2.75% (min $500), account review
12-Month Certificates of Deposit:
- Washington Mutual - 4.50% (min $1K), account review
- Geauga Savings Bank - 4.37% (min $25K) account review
- BankUnited - 4.35% (min $5K) account review
- VirtualBank - 4.34% (min $10K), account review
- State Bank of India - 4.32% (min $5K) account review
- KeyDirect - 4.30% (min $5K), 4.55% w/chk, Not all states, account review
- Pacific Mercantile Bank - 4.30% (min $10K) account review
- AmTrustDirect - 4.30% (min $1K) account review
- Corus Bank - 4.28% (min $10K) account review
- E-LOAN - 4.26% ($10K min), account review
- Wachovia - 4.25% (min $5K) account review
- National City Bank - 4.25% (13-mo) (min $10K), req chk, account review
- Indymac Federal Bank - 4.25% (min $5K) account review
- Flagstar - 4.25% (min $500), account review
- Tennessee Commerce Bank - 4.18% (min $5K)
- Ascencia Bank - 4.15% (min $500), account review
- GMAC Bank - 4.15% (min $500), account review
- Zions Bank - 4.14% (min $1K) account review
- Century Bank Direct - 4.11% (15 mo) (min $1K) account review
- Greystone Bank - 4.10% (min $50K) account review
- UmbrellaBank - 4.10% (min $1K) account review
- Melrose CU - 4.06% (min $5K) account review
- ebank - 4.05% (min $1K)
- Navy FCU - 4.00% (15 mo) ($15K min) restrictions to membership, account review
- Fifth Third - 4.00% (13 mo) (min $5K), Not all states, account review
- Digital Credit Union - 4.00% (15 mo) (min $500) account review
- NASA FCU - 4.00% (11 mo) ($5K min) account review
- Advanta Bank - 4.00% (min $10K), account review
- NewDominion Bank - 4.00% (min $3K) account review
- Heritage Bank - 4.00% (min $5K) account review
- Imperial Capital - 3.95% ($2K min), account review
- Transportation Alliance Bank - 3.95% ($1K min)
- Countrywide - 3.90% (min $10K), account review
- Alliant Credit Union - 3.90% (min $25K) account review
- ISN Bank - 3.87% (min $1K) account review
- Element Financial - 3.85% (min $10K), account review
- Bank of Internet - 3.82% (min $1K) account review
- Discover Bank - 3.76% (min $2.5K) account review
- Zopa - 3.75% (min $500) account review
- ING Direct - 3.70% account review
- National Bank of KC - 3.66% (min $10K), account review
- EverBank - 3.64% ($1.5K min) account review
- M&T Bank - 3.59% (min $5K) account review
- Principal Bank - 3.51% (14 mo) (min $5K), account review
- La Jolla Bank - 3.50% (min $10K), 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
- Intervest - 3.50% (min $2.5K), account review
- Air Force FCU - 3.45% (min $25K) restrictions to membership, account review
- University FCU - 3.45% (min $2.5K), account review
- ETrade Bank - 3.45% (min $1K), account review
- Northrop Grumman FCU - 3.43% (min $40K), account review
- FirstFedDirect - 3.40%, (min $10K) account review
- CU of Georgia - 3.35% (min $50K), account review
- Mutual Bank - 3.32% (min $2.5K) account review
- iGobanking - 3.28% (min $500), account review
- Delta Community CU - 3.25% (min $1K) account review
- Academy Bank - 3.25% (min $500), account review
- Western FCU - 3.20% (min $40K), account review
- Air Academy FCU - 3.15% (min $10K) membership restrictions, account review
- Mountain America CU - 3.10% (min $1K) account review
- Self-Help Credit Union - 3.08% (min $500), account review
- UFB Direct - 3.01% (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
- Digital Credit Union - 4.50% (20 mo) (min $500) account review
- Wachovia - 4.40% (min $5K) account review
- AmTrustDirect - 4.35% (min $1K) account review
- Geauga Savings Bank - 4.25% (min $1K) account review
- ebank - 4.25% (min $1K)
- Greystone Bank - 4.25% (min $50K) account review
- Tennessee Commerce Bank - 4.20% (min $5K)
- OnBank - 4.20% (min $500), account review
- Century Bank Direct - 4.20% (20 mo) (min $1K) account review
- Discover Bank - 4.18% (min $2.5K), account review
- GMAC Bank - 4.18% (min $500) account review
- Zions Bank - 4.17% (min $1K) account review
- NewDominion Bank - 4.15% (min $3K) account review
- VirtualBank - 4.08% (min $10K), account review
- Advanta Bank - 4.05% (min $10K), account review
- KeyDirect - 4.00% (min $5K), 4.25% w/chk, Not all states, account review
- Doral Bank Direct - 4.00% (min $1K) account review
- Intervest - 3.95% (min $2.5K), account review
- M&T Bank - 3.91% (min $5K) account review
- Alliant Credit Union - 3.90% (min $25K) account review
- Bank of Internet - 3.82% (min $1K) account review
- ING Direct - 3.75%, account review
- Capital One - 3.75% (min $5K) account review
- EverBank - 3.73% ($1.5K min) account review
- National Bank of KC - 3.66% (min $10K), account review
- Flagstar - 3.60% (min $500), account review
- Academy Bank - 3.60% (min $500) account review
- Element Financial - 3.50% (min $10K), account review
- ETrade Bank - 3.20% (min $1K), account review
- Mountain America CU - 3.15% (min $1K) account review
- Countrywide - 3.00% (min $10K), account review
- iGObanking - 2.75% (min $500) account review
- H&R Block Bank - 2.75% (min $250) account review
- Lehman Brothers Bank - 2.17% (min $1K)
24-Month Certificates of Deposit:
- KeyDirect - 4.75% (23 mo) (min $5K), 5.00% w/chk, Not all states, account review
- Fifth Third - 4.55% (min $5K) not all states, account review
- Wachovia - 4.50% (min $5K) account review
- State Bank of India - 4.47% (min $5K) account review
- Geauga Savings Bank - 4.44% (min $25K) account review
- Discover Bank - 4.41% (min $2.5K) account review
- E-LOAN - 4.36% ($10K min) (4.41% for $100K+) account review
- AmTrustDirect - 4.35% (min $1K) account review
- Greystone Bank - 4.35% (min $50K) account review
- VirtualBank - 4.34% (min $10K), account review
- Zions Bank - 4.31% (min $1K) account review
- OnBank - 4.30% (min $500), account review
- GMAC Bank - 4.28% (min $500) account review
- Transportation Alliance Bank - 4.25% ($1K min)
- Tennessee Commerce Bank - 4.25% (min $5K)
- Capital One - 4.25% (min $5K) (4.40% $100K+) account review
- NewDominion Bank - 4.25% (min $3K) account review
- Melrose CU - 4.22% (min $5K) account review
- Intervest - 4.20% (min $2.5K), account review
- M&T Bank - 4.18% (min $5K) account review
- Advanta Bank - 4.10% (min $10K), 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
- Flagstar - 4.00% (min $500), account review
- iGObanking - 4.00% (min $500) account review
- US Bank - 3.85% (25 mo) (min $1K), Not all states, account review
- Air Force FCU - 3.85% (min $25K) restrictions to membership, account review
- National Bank of KC - 3.85% (min $10K), account review
- EverBank - 3.83% ($1.5K min) account review
- ING Direct - 3.80% account review
- University FCU - 3.65% (min $2.5K), account review
- Presidential Bank - 3.65% (min $1K)
- Navy FCU - 3.60% ($20K min) (3.75% for $100K+) restrictions to membership, account review
- Element Financial - 3.60% (min $10K), account review
- Northrop Grumman FCU - 3.57% (min $40K), account review
- Mutual Bank - 3.53% (min $1K) account review
- Delta Community CU - 3.50% (min $1K) account review
- Countrywide - 3.50% (min $10K), account review
- CU of Georgia - 3.45% (min $50K), account review
- Self-Help Credit Union - 3.45% (min $500), account review
- ebank - 3.40% (min $1K)
- Western FCU - 3.35% (min $40K), account review
- Air Academy FCU - 3.35% (min $10K) membership restrictions, account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Mountain America CU - 3.20% (min $1K) account review
- UFB Direct - 3.01% (min $8K)
- 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
- Huntington - 5.00% (min $1K) account review
- Geauga Savings Bank - 4.84% (min $25K) account review
- Discover Bank - 4.81% (min $2.5K) account review
- OnBank - 4.70% (min $500), account review
- State Bank of India - 4.68% (min $5K) account review
- E-LOAN - 4.66% ($10K min) (4.70% for $100K+) account review
- M&T Bank - 4.60% (min $5K) account review
- KeyDirect - 4.50% (min $5K), 4.75% w/chk, Not all states, account review
- GMAC Bank - 4.50% (min $500) account review
- Greystone Bank - 4.50% (min $50K) account review
- NewDominion Bank - 4.50% (min $3K) account review
- Transportation Alliance Bank - 4.45% ($1K min)
- Intervest - 4.45% (min $2.5K), account review
- AmTrustDirect - 4.35% (min $1K) account review
- Tennessee Commerce Bank - 4.35% (min $5K)
- VirtualBank - 4.34% (min $10K), account review
- Melrose CU - 4.32% (min $5K) account review
- Flagstar - 4.26% (min $500), account review
- Ascencia Bank - 4.25% (min $500), account review
- Third Federal - 4.25% (min $500) account review
- Capital One - 4.25% (min $5K) (4.50% $100K+) account review
- Advanta Bank - 4.20% (min $10K), account review
- EverBank - 4.18% ($1.5K min) account review
- Bank of Internet - 4.08% (min $1K) account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- National Bank of KC - 4.00% (min $10K), account review
- ING Direct - 3.90%, account review
- Air Force FCU - 3.90% (min $25K) restrictions to membership, account review
- Mutual Bank - 3.89% (min $1K) account review
- Self-Help Credit Union - 3.82% (min $500), account review
- Northrop Grumman FCU - 3.76% (min $40K), account review
- University FCU - 3.75% (min $2.5K), account review
- CU of Georgia - 3.71% (min $50K), account review
- Principal Bank - 3.70% (33 mo) (min $5K), account review
- Element Financial - 3.70% (min $10K), account review
- Countrywide - 3.70% (min $10K), account review
- Agriculture FCU - 3.65% (min $1K), account review
- Western FCU - 3.62% (min $40K), account review
- Patelco CU - 3.61% ($1K min), account review
- Delta Community CU - 3.60% (min $1K) account review
- Mountain America CU - 3.55% (min $1K) account review
- Air Academy FCU - 3.55% (min $10K) membership restrictions, account review
- ETrade Bank - 3.55% (min $1K), account review
- Doral Bank Direct - 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
- UFB Direct - 3.01% (min $8K)
- H&R Block Bank - 3.00% (min $250) account review
- Lehman Brothers Bank - 2.38% (min $1K)
48-Month Certificate of Deposit:
- National City Bank - 5.25% (min $10K), req chk, account review
- KeyDirect - 5.25% (min $5K), 5.50% w/chk, Not all states, account review
- Wachovia - 5.15% (min $5K) account review
- Third Federal - 5.00% (min $500) account review
- Washington Mutual - 5.00% (min $1K), account review
- Discover Bank - 4.96% (min $2.5K) account review
- OnBank - 4.90% (min $500), account review
- E-LOAN - 4.82% ($10K min) (4.90% for $100K+) account review
- M&T Bank - 4.81% (min $5K) account review
- Capital One - 4.75% (min $5K) (5.00% $100K+) account review
- GMAC Bank - 4.75% (min $500) account review
- Transportation Alliance Bank - 4.75% ($1K min)
- Intervest - 4.65% (min $2.5K), account review
- Greystone Bank - 4.65% (min $50K) account review
- US Bank - 4.60% (45 mo) (min $1K), Not all states, account review
- Melrose CU - 4.58% (min $5K) account review
- Flagstar - 4.50% (min $500), account review
- NewDominion Bank - 4.50% (min $3K) account review
- EverBank - 4.41% ($1.5K min) account review
- Tennessee Commerce Bank - 4.40% (min $5K)
- Advanta Bank - 4.35% (min $10K), account review
- VirtualBank - 4.34% (min $10K), account review
- Patelco CU - 4.28% ($1K min), account review
- Northrop Grumman FCU - 4.12% (min $40K), account review
- National Bank of KC - 4.10% (min $10K), account review
- Self-Help Credit Union - 4.07% (min $500), account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- University FCU - 3.97% (min $2.5K), account review
- CU of Georgia - 3.97% (min $50K), account review
- ING Direct - 3.95%, account review
- Countrywide - 3.95% (min $10K), account review
- Western FCU - 3.90% (min $40K), account review
- Bank of Internet - 3.89% (min $1K) account review
- Mountain America CU - 3.85% (min $1K) account review
- USA FCU - 3.82% (min $1K) account review
- Element Financial - 3.80% (min $10K), account review
- Citibank - 3.80% (min $500)
- 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
- H&R Block Bank - 3.50% (min $250) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- ebank - 3.40% (min $1K)
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- KeyDirect - 5.25% (min $5K), 5.50% w/chk, Not all states, account review
- Wachovia - 5.25% (min $5K) account review
- Discover Bank - 5.23% (min $2.5K) account review
- OnBank - 5.15% (min $500), account review
- E-LOAN - 5.10% ($10K min) (5.25% $100K+) account review
- State Bank of India - 5.09% (min $5K) account review
- M&T Bank - 5.00% (min $5K) account review
- Melrose CU - 5.00% (min $5K) account review
- Salem Five Bank - 5.00% (min $10K), account review
- US Bank - 5.00% (59 mo) (min $1K), Not all states, account review
- Third Federal - 5.00% (min $500) account review
- Capital One - 5.00% (min $5K) (5.25% $100K+) account review
- Washington Mutual - 5.00% (min $1K), account review
- Transportation Alliance Bank - 5.00% ($1K min)
- GMAC Bank - 5.00% (min $500) account review
- Intervest - 4.80% (min $2.5K), account review
- Greystone Bank - 4.75% (min $50K) account review
- Tennessee Commerce Bank - 4.65% (min $5K)
- Pentagon Federal CU - 4.60% (min $1K), account review
- VirtualBank - 4.60% (min $10K), account review
- EverBank - 4.57% ($1.5K min) account review
- Advanta Bank - 4.55% (min $10K), account review
- Flagstar - 4.50% (min $500), account review
- Mountain America CU - 4.50% (min $1K) account review
- NewDominion Bank - 4.50% (min $3K) account review
- Mutual Bank - 4.45% (54 mo) (min $1K) account review
- Patelco CU - 4.39% ($1K min), account review
- AmTrustDirect - 4.35% (min $1K) account review
- Northrop Grumman FCU - 4.32% (min $40K), account review
- Bank of Internet - 4.29% (min $1K) account review
- Ascencia Bank - 4.25% (min $500), account review
- Navy FCU - 4.25% ($20K min) (4.40% for $100K+) restrictions to membership, account review
- USA FCU - 4.23% (min $1K) account review
- Self-Help Credit Union - 4.23% (min $500), account review
- University FCU - 4.22% (min $2.5K), account review
- Delta Community CU - 4.20% (min $1K) account review
- National Bank of KC - 4.20% (min $10K), account review
- CU of Georgia - 4.18% (min $50K), account review
- Agriculture FCU - 4.15% (min $1K), account review
- Western FCU - 4.09% (min $40K) account review
- Element Financial - 4.00% (min $10K), account review
- iGobanking - 4.00% (min $500), account review
- ING Direct - 4.00%, account review
- Telcom Credit Union - 4.00% (min $500) account review
- Citibank - 4.00% (min $500)
- ETrade Bank - 4.00% (min $1K), account review
- Air Force FCU - 3.95% (min $25K) restrictions to membership, account review
- Countrywide - 3.95% (min $10K), account review
- Presidential Bank - 3.75% (min $1K)
- Air Academy FCU - 3.75% (min $10K) membership restrictions, 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)
- UFB Direct - 3.01% (min $8K)
- Apple Bank - 3.00% (min $500) account review
- Lehman Brothers Bank - 2.48% (min $1K)
84-Month Certificate of Deposit:
- CapitalOne/Costco - 5.40% (min $5K) account review
- Capital One - 5.35% (min $5K) account review
- KeyDirect - 5.25% (min $5K) (5.50% 10yr), 5.50% w/chk, Not all states, account review
- Washington Mutual - 5.00% (min $1K), account review
- Intervest - 4.82% (min $2.5K), account review
- Navy FCU - 4.75% ($20K min) restrictions to membership, 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)
- 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
- 5.25% 60-Month CD at a Chicago Bank (Cole Taylor)
- 5.15% 60-Month CD at a Connecticut Bank (Naugatuck Valley Savings and Loan)
- 5.15% 60-Month CD at a Kansas Bank (CrossPoint)
- 5.12% 60-Month CD at a California CU (Coast Central)
- 5.06% 60-Month CD at a Florida Bank (Surety)
- 5.00% 60-Month CD at a Multi-State Bank (First Republic)
- 5.00% 60-Month CD at a Texas Bank (Equity)
- 5.00% 60-Month CD at a Tennessee CU (Eastman)
Terms of 24 Months to Under 60 Months
- 5.15% 36-Month CD at a Connecticut Bank (Naugatuck Valley Savings and Loan)
- 5.06% 48-Month CD at a California CU (Coast Central)
- 5.01% 48-Month CD at a Washington State Credit Union (Gesa)
- 5.00% 48-Month CD at a Tennessee CU (Eastman)
- 5.00% 30-Month CD at a Georgia Bank (Integrity)
- 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)
- 4.65% 36-Month CD at a Kansas Bank (CrossPoint)
- 4.40% 24-Month CD at a Arizona Bank (Union)
- 4.00% 24-Month CD at a Florida Bank - Add-On Feature (Coastal)
Terms of 12 Months to Under 24 Months
- 8.00% 12-Month CD at a Maryland Credit Union - $1K Max (APGFCU)
- 5.00% 18-Month CD at a Georgia Credit Union (Georgia Heritage)
- 4.75% 15-Month CD at a Georgia Bank (First Georgia Community)
- 4.60% 18-Month CD at a Californa Bank (Downey Savings)
- 4.60% 12-Month CD at a Florida Bank (Freedom)
- 4.60% 15-Month CD at a Florida Bank (BankUnited)
- 4.50% 12-Month CD at a Georgia Bank (Integrity)
- 4.40% 12-Month CD at a Georgia Bank (American United)
- 4.37% 15-Month CD at a Multi-State Credit Union (Wings Financial)
- 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)
- 4.35% 12-Month CD at a Florida Bank (Pinnacle)
- 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)
- 4.30% 15-Month CD at a Chicago Bank (Cole Taylor)
- 4.30% 15-Month CD at a OR/WA Credit Union (NW Priority)
- 4.28% 12-Month CD at a Dallas Bank (NexBank)
- 4.25% 12-Month CD at a Multi-State Bank (Omni National)
- 4.25% 12-Month CD at a Florida Bank (Central)
- 4.25% 12-Month CD at a Arizona Bank (Union)
- 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)
- 4.25% 12-Month CD at a Arizona Bank (Silver State)
- 4.25% 12-Month CD at a Texas Bank (Equity)
- 4.25% 12-Month CD at a California Bank - and 3.50% Savings Account (Security Pacific)
- 4.25% 16-Month CD at a Florida Bank - Early Withdrawal Option (Synovus)
- 4.25% 12-Month CD at a Tennessee Credit Union (Y-12)
- 4.20% 15-Month CD at a California Bank (1st Centennial)
- 4.15% 15-Month CD at a Texas Bank (Millennium)
- 4.15% 12-Month CD at a Missouri Bank - Add-On Feature (Royal Banks)
- 4.10% 12-Month CD at a California Bank (Temecula Valley)
- 4.08% 16-Month CD at a Indiana/Kentucky Bank (Your Community)
- 4.05% 12-Month CD at a NJ/NY Bank (Valley National)
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)
- 4.75% 3-Month CD at a New York Bank - $100K Min (Park Avenue)
- 4.50% 7-Month CD at a California CU - Easy Membership/ASI-Insured Only (Christian Community)
- 4.50% 6-Month CD at a Georgia Bank (Integrity)
- 4.40% 9-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.35% 11-Month CD at a Florida Bank (Peoples First Community)
- 4.30% 9-Month CD at a Virginia Bank (Millennium)
- 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% 6-Month CD at a California Bank (Vineyard)
- 4.25% 10-Month CD at a Georgia Bank (Integrity)
- 4.25% 6-Month CD at a Arizona Bank (Silver State)
- 4.25% 7-Month CD at a Georgia Bank - and 5% Savings Account Promo (One Georgia)
- 4.25% 7-Month CD at a New York Bank - $100K Min (Park Avenue)
- 4.20% 8-Month CD at a Florida Bank (Freedom)
- 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)
- 4.15% 6-Month CD at a Californa Bank (Downey Savings)
- 4.15% 10-Month CD at a OR/WA Credit Union (NW Priority)
- 4.15% 8-Month CD at a New Jersey CU (United Teletech Financial)
- 4.10% 6-Month CD at a AL/GA/FL/TX/NV Bank (Colonial)
- 4.10% 7-Month CD at a Florida Bank (Pinnacle)
- 4.10% 9-Month CD at a Arizona Bank (SunBank)
- 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)
- 4.05% 9-Month CD at a NJ/NY Bank (Valley National)
- 4.04% 4-Month CD at a Tennessee Bank (Clayton Bank and Trust)
- 4.00% 9-Month CD at a Florida Bank (BankFIRST)
- 4.00% 10-Month CD at a Texas Bank (Millennium)
- 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% 9-Month CD at a Pennsylvania Credit Union (Police and Fire)
- 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)
- 4.00% 8-Month CD at a Multi-State Bank (First Republic)
- 4.00% 9-Month CD at a Philadelphia Bank (Prudential Savings)
- 4.00% 8-Month CD at a Georgia Bank (American United)
- 4.00% 6-Month CD at a Florida Bank - Add-On Feature (Coastal)
- 4.00% 7-Month CD at a Chicago Bank (Cole Taylor)
- 4.00% 6-Month CD at a Tennessee Credit Union (Y-12)
- 3.90% 3-Month CD at a Houston Bank (Lone Star)
- 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)
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 - 2.42% 7-day yeild
- Paypal Money Market Fund - 2.33% 7-day yield (1% cashback debit MasterCard)
- Vanguard Prime Money Market Fund - 2.18% 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
Banker Joke (anonymous) - #1, Sunday, August 17, 2008 - 2:46 AM
Banking Guy -- someone told me this joke and I thought of you... You have a great site, btw -- I read you more than fatwallet!
Anyway, here's the joke:
After Einstein died he went to heaven and was told that his room is not yet ready. The head angel tells him: "I hope you will not mind waiting in a dormitory. We are very sorry, but it's the best we can do and you will have to share the room with others."
Einstein says that this is no problem at all and that there is no need to make such a great fuss. So the doorman leads him to the dorm. They enter and Albert is introduced to all of the present inhabitants. "See, Here is your first room mate. He has an IQ of 180!"
Albert Einstein by Deddi Shy "That's wonderful!" says Albert. "We can discuss mathematics!"
"And here is your second room mate. His IQ is 150!"
"That's wonderful!" says Albert. "We can discuss physics!"
"And here is your third room mate. His IQ is 100!"
"That's wonderful! We can discuss the latest plays at the theater!"
Just then another man moves out to capture Albert's hand and shake it. "I'm your last room mate and I'm sorry, but my IQ is only 80."
Albert smiles back at him and says, "So, where do you think interest rates are headed?"
JAC (anonymous) - #2, Sunday, August 17, 2008 - 1:31 PM
Hey Banking Guy - what do you make of the interest rate forecast offered at http://www.forecasts.org/6mCD.htm These folks are forecasting that rates will continue to fall over the next 5 months. I'm not sure of their accuracy with the forecast and thought you might provide some of your thoughts either directly or indirectly regarding this subject.
You are the best at tracking the current rates and I'm looking forward trying to determine what lock-in periods would be best.
Thanks
Anonymous - #3, Friday, August 22, 2008 - 5:21 AM
Received an email from First Tennessee Bank offering 4% on a savings accout:
And we’re thrilled to offer you this limited-time opportunity to earn a strong 4.00% APY* for three months when you open a Relationship First Savings account with at least $5,000. Even better, we'll extend this great rate to six months if your opening deposit is at least $10,000.
But don’t delay—you must open your account by September 30, 2008 to take advantage of the great rate.
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