Bank Deals Weekly Summary for August 2, 2008
Aug 2, 2008 - 6:08 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
There was another bank failure yesterday, but it was a small bank. Similar to IndyMac's failure, the FDIC is covering 50% of the uninsured deposits (see post). It's another lesson to keep below the FDIC limits. Banks failures have definitely picked up in the last few weeks.
Savings Account Rates
Bank rates continued to go up this week, and the rate hikes weren't just with CDs. Several banks raised their online savings account rates. The big one was WaMu which raised its Online Savings Account yield from 3.30% to 3.75% APY. Union Federal Savings Bank also raised the yield on its new online savings account to 3.75% APY (see post). We now have three banks and one credit union (Alliant) offering non-promo yields of 3.75% APY.
There is a new 4% account, but it's only a 90-day intro rate for new accounts. AmTrustDirect raised this e-Savings account promo yield from 3.50% to 4.00% APY this week. AmTrustDirect hasn't done well maintaining high standard rates. Its current yields include a 2.50% APY for the e-Savings and 1.50% APY for the e-Money Market (see post).
EverBank's 3-month promotion is a better deal. Not only does it have a higher yield of 4.76% APY, but its money market account has maintained a better ongoing yield (currently 3.51% APY). One important note about EverBank's promo, the promo yield only applies to the first $50K for the MMA. For the checking it applies to the first $100K.
One exception to the rate hikes was AARP Financial Savings Center. Its savings account and Jumbo MMA yield fell from 3.45% to 3.20% APY this week. This account is proving to be a major disappointment.
Another notable rate hike was at EmigrantDirect which raised its savings account yield from 2.75% to 3.00% APY. EmigrantDirect made a name for itself in 2005 with top rates, but it has lagged since then. It's going to take many more rate hikes for EmigrantDirect to regain its reputation as a rate leader.
Below is a list of some of the major savings account rate changes:
Rate Hikes:
Bank of America ended its online 4.11% 7-month CD special this week. It's now down to 3.30%. Countrywide which is now part of BofA (see BofA's merger news) is still offering its 4.10% APY 7-month CD special. Both WaMu and Wachovia continue to offer very competitive CD rates. I was told by a Wachovia CSR two weeks ago that the Featured CDs were scheduled to end on August 5th. Wachovia has already extended this special at least once, so it's possible it'll be extended again.
Several readers have reported being able to negotiate better CD rates. So be sure to ask your bank if they would be willing to match a competitor's CD. Some examples that readers have mentioned include: IndyMac agreed to match Vineyard Bank's 4.50% APY 6-month CD (see post), Flagstar in Georgia has a Loyalty Program in which they'll beat local CDs by 5 basis points (see post), and VirtualBank agreed to 4.39% APY on its 12-month CD when Wachovia's CDs were mentioned. Of course your "miles may vary" with these, but it never hurts to ask.
Reward Checking Accounts
I reported on four more reward checking accounts this week (see below). Two of these four are a bit unusual in that they have minimum balance requirements to qualify for the top yield and they have potential monthly fees. I hope this doesn't start a trend. There weren't any new nationally available reward checking accounts this week. 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 26th, Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st, Jun 14th, Jun 7th and May 31st.
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
Nationally Available Rates As of August 2, 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)
There was another bank failure yesterday, but it was a small bank. Similar to IndyMac's failure, the FDIC is covering 50% of the uninsured deposits (see post). It's another lesson to keep below the FDIC limits. Banks failures have definitely picked up in the last few weeks.
Savings Account Rates
Bank rates continued to go up this week, and the rate hikes weren't just with CDs. Several banks raised their online savings account rates. The big one was WaMu which raised its Online Savings Account yield from 3.30% to 3.75% APY. Union Federal Savings Bank also raised the yield on its new online savings account to 3.75% APY (see post). We now have three banks and one credit union (Alliant) offering non-promo yields of 3.75% APY.
There is a new 4% account, but it's only a 90-day intro rate for new accounts. AmTrustDirect raised this e-Savings account promo yield from 3.50% to 4.00% APY this week. AmTrustDirect hasn't done well maintaining high standard rates. Its current yields include a 2.50% APY for the e-Savings and 1.50% APY for the e-Money Market (see post).
EverBank's 3-month promotion is a better deal. Not only does it have a higher yield of 4.76% APY, but its money market account has maintained a better ongoing yield (currently 3.51% APY). One important note about EverBank's promo, the promo yield only applies to the first $50K for the MMA. For the checking it applies to the first $100K.
One exception to the rate hikes was AARP Financial Savings Center. Its savings account and Jumbo MMA yield fell from 3.45% to 3.20% APY this week. This account is proving to be a major disappointment.
Another notable rate hike was at EmigrantDirect which raised its savings account yield from 2.75% to 3.00% APY. EmigrantDirect made a name for itself in 2005 with top rates, but it has lagged since then. It's going to take many more rate hikes for EmigrantDirect to regain its reputation as a rate leader.
Below is a list of some of the major savings account rate changes:
Rate Hikes:
- AmTrustDirect - 4.00% APY, 3-mo intro (was 3.50%)
- WaMu - 3.75% APY (was 3.30%)
- Union Federal Savings - 3.75% APY (was 3.50%)
- Heartland - 3.55% APY (was 3.05%)
- Nationwide - 3.52% APY (was 3.50%)
- VirtualBank - 3.52% APY $50K+ (was 3.05%)
- BankUnited - 3.50% APY (was 3.00%)
- WTDirect - 3.31% APY (was 3.26%)
- EmigrantDirect - 3.00% APY (was 2.75%)
- AARP Finacial Savings - 3.20% APY (was 3.45%)
- Discover - 3.09% APY (was 3.14%)
Bank of America ended its online 4.11% 7-month CD special this week. It's now down to 3.30%. Countrywide which is now part of BofA (see BofA's merger news) is still offering its 4.10% APY 7-month CD special. Both WaMu and Wachovia continue to offer very competitive CD rates. I was told by a Wachovia CSR two weeks ago that the Featured CDs were scheduled to end on August 5th. Wachovia has already extended this special at least once, so it's possible it'll be extended again.
Several readers have reported being able to negotiate better CD rates. So be sure to ask your bank if they would be willing to match a competitor's CD. Some examples that readers have mentioned include: IndyMac agreed to match Vineyard Bank's 4.50% APY 6-month CD (see post), Flagstar in Georgia has a Loyalty Program in which they'll beat local CDs by 5 basis points (see post), and VirtualBank agreed to 4.39% APY on its 12-month CD when Wachovia's CDs were mentioned. Of course your "miles may vary" with these, but it never hurts to ask.
Reward Checking Accounts
I reported on four more reward checking accounts this week (see below). Two of these four are a bit unusual in that they have minimum balance requirements to qualify for the top yield and they have potential monthly fees. I hope this doesn't start a trend. There weren't any new nationally available reward checking accounts this week. 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
- FDIC: Small Florida Bank is Closed
- Some Recent and Odd Credit Union Failures
- More News on IndyMac and Its Current CDs
Savings and Money Market Deals - National
- AmTrustDirect's New 4.00% e-Savings Account Promotion
- WaMu Increases Online Savings Account Yield to 3.75%
CD Deals - National
- 5.00% 60-Month CD at Melrose Credit Union - Easy Membership
- 4.00% 9-Month CD at Stonebridge Bank - Nationally Available
- 4.00% 11-Month CD at NASA FCU - Easy Membership
- 4.30% 12-Month CD at Heritage Bank - Nationally Available
- 4.25% 10-Month Online Hybrid CD at 1st Mariner Bank - $25K Max
- 4.01% 6-Month CD at Ascencia Bank - Nationally Available
- 4.00% 15-Month CD at Navy Federal Credit Union
Checking/Savings Account Bonuses
- $100 Checking Account Bonus at US Bank in Milwaukee, St. Louis and Cincinnati
- $75 Wachovia Checking Account Promotion in Texas and Other Wachovia News and Deals
Reward Checking Accounts
- 5.01% Reward Checking Account at a Washington State CU (NorthWest Plus)
- 5.00% Reward Checking Account at Chartway Federal Credit Union
- 6.00% Reward Checking Account at a California CU (American River HealthPro)
- 5.00% Reward Checking Account at Kansas City Banks (Valley View Financial Group)
CD and Money Market Deals - Local
- 4.15% 6-Month / 4.60% 18-Month CD at a Californa Bank (Downey Savings)
- 4.25% 7-Month CD at a Georgia Bank - and 5% Savings Account Promo (One Georgia)
- 4.00% Savings Account Until 1/1/2009 at an Oklahoma Bank (UMB)
- 4.00% Savings Account Until 12/31/08 at a New Jersey Bank (Two River Community)
- 4.25% 6-Month / 4.25% 12-Month CD at an Arizona Bank (Silver State)
- 4.40% 9-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.00% 9-Month CD at a Philadelphia Bank (Prudential Savings)
- 5.23% 52-Month / 4.10% 10-Month CD at First Commercial Bank of Florida EXPIRED
- 3.95% 8-Month CD at a Multi-State Bank (First Republic)
- Update on Capital One's Brick-and-Mortar Promotions in Texas and New York
- 4.55% 13-Month / 4.25% 7-Month CD at a Florida Bank (Century)
- 5.15% 60-Month / 4.65% 36-Month CD at a Kansas Bank (CrossPoint)
- 5.25% 60-Month / 4.10% 15-Month CD at a Chicago Bank (Cole Taylor)
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 26th, Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st, Jun 14th, Jun 7th and May 31st.
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
Nationally Available Rates As of August 2, 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
- AmTrustDirect - 4.00%, 3-mo intro, (e-Savings) account review
- SmartyPig - 3.90% (min $25) access restrictions, account review
- 1st Constitution Direct - 3.90% (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)
- 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
- Heartland Bank Direct - 3.55%, ($500 min), account review
- Countrywide - 3.55% (min $10K), account review
- Doral Bank Direct - 3.55% (min $1K) account review
- Nationwide Bank - 3.52% MMA (min $1K) account review + $25 bonus
- EverBank - 3.51% MMA ($1.5K min) account review
- Zions Bank - 3.51% MMA, outside of Utah, (min $2.5K) account review
- BankUnited - 3.50% (min $5K), 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
- Amegy Bank - 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
- GCF Bank - 3.34% (min $100), 3-mo promo, 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)
- AARP Financial Savings Center - 3.20%, AARP membership req, account review
- Beverly National Bank - 3.10% (min $5K) account review
- Indymac Federal Bank - 3.10% (min $1K) (3.70% for $50K+) account review
- Discover Bank - 3.09% MMA (min $2.5K) (3.19% 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
- 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 - 2.96%, account review
- MetLife Bank - 2.75% MMA (min $10K), post ($50 bonus)
- grand yield direct - 2.75% (min $2.5K) account review
- BancoFortuna.com - 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
- VirtualBank - 2.53% (min $100), (3.05% $25K+/ 3.52% $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 - 2.13% MMA ($500 min) (2.39% for $50K+) account review
- Charles Schwab - 2.01% Checking, account review
- Tennessee Commerce Bank - 1.90% (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
- VirtualBank - 3.46% (min $10K), account review
- Imperial Capital - 3.40%, ($2K min), account review
- E-LOAN - 3.36% ($10K 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 - 3.05% ($1.5K min) account review
- FirstFedDirect - 3.01% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- Self-Help Credit Union - 2.83% (min $500), account review
- UFB Direct - 2.75% (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:
- 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
- Premier America CU - 4.00% (7-mo) (min $10K) account review
- Wachovia - 4.00% (7-mo) (min $5K) account review
- Christian Community CU - 4.00% (7-mo) (min $500) not NCUA insured (ASI only) account review
- E-LOAN - 3.76% ($10K min), account review
- Century Bank Direct - 3.76% (5 mo) (min $1K) account review
- H&R Block Bank - 3.75% (min $10K) account review
- GMAC Bank - 3.75% (min $500), account review
- VirtualBank - 3.72% (min $10K), account review
- Flagstar - 3.65% (min $500), account review
- Imperial Capital - 3.65% ($2K min), account review
- Greystone Bank - 3.65% (min $50K) account review
- Zions Bank - 3.64% (min $1K) account review
- AmTrustDirect - 3.51% (min $1K) 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)
- EverBank - 3.39% ($1.5K min) account review
- Bank of Internet - 3.35% (min $1K) account review
- Intervest - 3.30% (min $2.5K), 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
- Advanta Bank - 3.30% (min $10K), account review
- ETrade Bank - 3.30% (min $1K), account review
- Bank of America - 3.30% (7-mo) (min $5K) account review
- Northrop Grumman FCU - 3.28% (min $40K), 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
- Self-Help Credit Union - 3.13% (min $500), account review
- UFB Direct - 3.05% (min $8K)
- Mountain America CU - 3.00% (min $1K) account review
- KeyDirect - 3.00% (min $5K), 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 - 2.58% (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
- Stonebridge Bank - 4.00% (min $500) account review
- E-LOAN - 3.81% ($10K min), account review
- State Farm Bank - 3.80% (min $500) account review
- VirtualBank - 3.77% (min $10K), account review
- AmTrustDirect - 3.76% (min $1K) account review
- GMAC Bank - 3.76% (min $500), account review
- UmbrellaBank - 3.60% (min $1K) account review
- Academy Bank - 3.50% (min $500), 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 - 3.47% ($1.5K min) account review
- Bank of Internet - 3.35% (min $1K) account review
- ING Direct - 3.30% 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:
- BankUnited - 4.35% (min $5K) account review
- AmTrustDirect - 4.30% (min $1K) account review
- Heritage Bank - 4.30% (min $5K) account review
- Corus Bank - 4.28% (min $10K) account review
- Mutual Bank - 4.25% (min $2.5K) account review
- Washington Mutual - 4.25% (min $1K), account review
- Wachovia - 4.25% (min $5K) account review
- NewDominion Bank - 4.25% (min $3K) account review
- National City Bank - 4.25% (13-mo) (min $10K), req chk, account review
- E-LOAN - 4.15% ($10K min), account review
- Ascencia Bank - 4.15% (min $500), account review
- Indymac Federal Bank - 4.15% (min $5K) account review
- VirtualBank - 4.13% (min $10K), account review
- Pacific Mercantile Bank - 4.13% (min $10K) account review
- Century Bank Direct - 4.11% (15 mo) (min $1K) account review
- UmbrellaBank - 4.10% (min $1K) account review
- Geauga Savings Bank - 4.10% (min $1K) account review
- State Bank of India - 4.06% (min $5K) account review
- GMAC Bank - 4.05% (min $500), 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
- Tennessee Commerce Bank - 4.00% (min $5K)
- Flagstar - 4.00% (min $500), account review
- Digital Credit Union - 4.00% (15 mo) (min $500) account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- Greystone Bank - 4.00% (min $50K) account review
- NASA FCU - 4.00% (11 mo) ($5K min) account review
- Zions Bank - 3.97% (min $1K) 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
- Discover Bank - 3.87% (min $2.5K) account review
- Element Financial - 3.85% (min $10K), account review
- Advanta Bank - 3.85% (min $10K), account review
- Bank of Internet - 3.82% (min $1K) account review
- Melrose CU - 3.80% (min $5K) account review
- Zopa - 3.75% (min $500) account review
- EverBank - 3.71% ($1.5K min) account review
- National Bank of KC - 3.66% (min $10K), account review
- M&T Bank - 3.59% (min $5K) account review
- ETrade Bank - 3.55% (min $1K), account review
- Northrop Grumman FCU - 3.54% (min $40K), account review
- Principal Bank - 3.51% (14 mo) (min $5K), 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
- Intervest - 3.48% (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
- ING Direct - 3.40% account review
- FirstFedDirect - 3.40%, (min $10K) account review
- CU of Georgia - 3.35% (min $50K), 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
- Air Academy FCU - 3.15% (min $10K) membership restrictions, account review
- Western FCU - 3.14% (min $40K), account review
- UFB Direct - 3.10% (min $8K)
- Mountain America CU - 3.10% (min $1K) account review
- Self-Help Credit Union - 3.07% (min $500), account review
- 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
- Geauga Savings Bank - 4.25% (min $1K) account review
- ebank - 4.25% (min $1K)
- Greystone Bank - 4.20% (min $50K) account review
- 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 - 4.15% (min $500) account review
- Tennessee Commerce Bank - 4.10% (min $5K)
- Zions Bank - 4.08% (min $1K) account review
- VirtualBank - 4.08% (min $10K), account review
- KeyDirect - 4.00% (min $5K), Not all states, account review
- Doral Bank Direct - 4.00% (min $1K) account review
- Intervest - 3.92% (min $2.5K), account review
- M&T Bank - 3.91% (min $5K) account review
- Alliant Credit Union - 3.90% (min $25K) account review
- Advanta Bank - 3.90% (min $10K), account review
- Bank of Internet - 3.82% (min $1K) account review
- EverBank - 3.80% ($1.5K min) account review
- Capital One - 3.75% (min $5K) 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
- First State Bank - 3.50% ($1K min), account review
- Element Financial - 3.50% (min $10K), account review
- ETrade Bank - 3.40% (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
- 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), Not all states, account review
- Fifth Third - 4.55% (min $5K) not all states, account review
- Huntington - 4.50% (min $1K) account review
- Wachovia - 4.50% (min $5K) account review
- E-LOAN - 4.36% ($10K min) (4.41% for $100K+) account review
- AmTrustDirect - 4.35% (min $1K) account review
- Discover Bank - 4.35% (min $2.5K) account review
- NewDominion Bank - 4.35% (min $3K) account review
- VirtualBank - 4.34% (min $10K), account review
- OnBank - 4.30% (min $500), account review
- Greystone Bank - 4.30% (min $50K) account review
- GMAC Bank - 4.28% (min $500) account review
- Transportation Alliance Bank - 4.25% ($1K min)
- Zions Bank - 4.23% (min $1K) account review
- State Bank of India - 4.22% (min $5K) account review
- Tennessee Commerce Bank - 4.20% (min $5K)
- M&T Bank - 4.18% (min $5K) account review
- Intervest - 4.18% (min $2.5K), account review
- Capital One - 4.15% (min $5K) account review
- Melrose CU - 4.06% (min $5K) 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
- Advanta Bank - 4.00% (min $10K), account review
- US Bank - 3.90% (25 mo) (min $1K), Not all states, account review
- EverBank - 3.88% ($1.5K min) account review
- Air Force FCU - 3.85% (min $25K) restrictions to membership, account review
- National Bank of KC - 3.85% (min $10K), account review
- Mutual Bank - 3.70% (min $1K) 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 - 3.54% (min $40K), account review
- Delta Community CU - 3.50% (min $1K) account review
- Countrywide - 3.50% (min $10K), account review
- Self-Help Credit Union - 3.47% (min $500), account review
- UFB Direct - 3.45% (min $8K)
- CU of Georgia - 3.45% (min $50K), account review
- ebank - 3.40% (min $1K)
- Air Academy FCU - 3.35% (min $10K) membership restrictions, account review
- Western FCU - 3.25% (min $40K), account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Mountain America CU - 3.20% (min $1K) 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
- 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
- E-LOAN - 4.61% ($10K min) (4.70% for $100K+) account review
- Discover Bank - 4.60% (min $2.5K) account review
- KeyDirect - 4.50% (min $5K), Not all states, account review
- GMAC Bank - 4.50% (min $500) account review
- Transportation Alliance Bank - 4.45% ($1K min)
- 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
- Melrose CU - 4.32% (min $5K) account review
- Tennessee Commerce Bank - 4.30% (min $5K)
- Flagstar - 4.26% (min $500), account review
- M&T Bank - 4.25% (min $5K) 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
- EverBank - 4.24% ($1.5K min) account review
- Advanta Bank - 4.10% (min $10K), 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
- Northrop Grumman FCU - 3.98% (min $40K), account review
- Air Force FCU - 3.90% (min $25K) restrictions to membership, account review
- Self-Help Credit Union - 3.83% (min $500), account review
- Mutual Bank - 3.80% (min $1K) account review
- UFB Direct - 3.80% (min $8K)
- ETrade Bank - 3.80% (min $1K), 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
- First State Bank - 3.65% ($1K min), 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
- Western FCU - 3.55% (min $40K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Agriculture FCU - 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:
- National City Bank - 5.25% (min $10K), req chk, account review
- KeyDirect - 5.25% (min $5K), Not all states, 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 - 4.76% ($10K min) (4.90% for $100K+) account review
- Capital One - 4.75% (min $5K) (5.00% $100K+) account review
- GMAC Bank - 4.75% (min $500) account review
- NewDominion Bank - 4.75% (min $3K) account review
- Transportation Alliance Bank - 4.75% ($1K min)
- US Bank - 4.70% (45 mo) (min $1K), Not all states, account review
- Melrose CU - 4.58% (min $5K) account review
- Intervest - 4.56% (min $2.5K), account review
- Flagstar - 4.50% (min $500), account review
- Greystone Bank - 4.50% (min $50K) account review
- Third Federal - 4.50% (min $500) account review
- EverBank - 4.47% ($1.5K min) account review
- Tennessee Commerce Bank - 4.40% (min $5K)
- VirtualBank - 4.34% (min $10K), account review
- M&T Bank - 4.28% (min $5K) account review
- Patelco CU - 4.28% ($1K min), account review
- Northrop Grumman FCU - 4.23% (min $40K), account review
- Advanta Bank - 4.20% (min $10K), 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
- Countrywide - 3.95% (min $10K), account review
- Bank of Internet - 3.89% (min $1K) account review
- Western FCU - 3.88% (min $40K), account review
- Mountain America CU - 3.85% (min $1K) account review
- Element Financial - 3.80% (min $10K), account review
- Citibank - 3.80% (min $500)
- First State Bank - 3.75% ($1K min), 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
- USA FCU - 3.51% (min $1K) 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)
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- KeyDirect - 5.25% (min $5K), Not all states, account review
- Wachovia - 5.25% (min $5K) 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
- E-LOAN - 5.01% ($10K min) (5.25% $100K+) 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
- NewDominion Bank - 4.75% (min $3K) account review
- Intervest - 4.71% (min $2.5K), account review
- Tennessee Commerce Bank - 4.65% (min $5K)
- EverBank - 4.61% ($1.5K min) account review
- M&T Bank - 4.60% (min $5K) account review
- Greystone Bank - 4.60% (min $50K) account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- VirtualBank - 4.60% (min $10K), account review
- Flagstar - 4.50% (min $500), account review
- Mountain America CU - 4.50% (min $1K) account review
- Northrop Grumman FCU - 4.48% (min $40K), 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
- 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
- Self-Help Credit Union - 4.24% (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
- ETrade Bank - 4.15% (min $1K), account review
- Mutual Bank - 4.10% (54 mo) (min $1K) account review
- First State Bank - 4.00% ($1K min), 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
- ING Direct - 4.00%, account review
- UFB Direct - 4.00% (min $8K)
- Western FCU - 4.00% (min $40K) account review
- Telcom Credit Union - 4.00% (min $500) account review
- Citibank - 4.00% (min $500)
- Air Force FCU - 3.95% (min $25K) restrictions to membership, account review
- Countrywide - 3.95% (min $10K), account review
- USA FCU - 3.82% (min $1K) 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)
- Apple Bank - 3.00% (min $500) account review
- Lehman Brothers Bank - 2.48% (min $1K)
84-Month Certificate of Deposit:
- CapitalOne/Costco - 5.45% (min $5K) account review
- 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 - 4.73% (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)
- 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
- 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)
- 5.06% 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 Georgia Credit Union (Georgia Heritage)
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)
- 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)
- 4.18% 24-Month CD at a Florida CU (South Florida)
Terms of 12 Months to Under 24 Months
- 8.00% 12-Month CD at a Maryland Credit Union - $1K Max (APGFCU)
- 4.60% 18-Month CD at a Californa Bank (Downey Savings)
- 4.55% 13-Month CD at a Florida Bank (Century)
- 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 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% 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)
- 4.20% 15-Month CD at a California Bank (1st Centennial)
- 4.15% 15-Month CD at a Texas Bank (Millennium)
- 4.10% 15-Month CD at a Chicago Bank (Cole Taylor)
- 4.08% 16-Month CD at a Indiana/Kentucky Bank (Your Community)
- 4.00% 12/14-Month CD at Capital One in TX and NY
- 4.00% 15-Month CD at a Illinois Bank (Midwest)
- 4.00% 12-Month CD at a California Bank (Temecula Valley)
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)
- 4.50% 6-Month CD at a California Bank (Vineyard)
- 4.40% 9-Month CD at a Georgia Bank (Alpha Bank & Trust)
- 4.35% 11-Month CD at a Florida Bank (Peoples First Community)
- 4.25% 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)
- 4.25% 7-Month CD at a Florida Bank (Century)
- 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)
- 4.18% 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)
- 4.15% 6-Month CD at a Californa Bank (Downey Savings)
- 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)
- 4.00% 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% 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% 9-Month CD at a Philadelphia Bank (Prudential Savings)
- 3.95% 8-Month CD at a Multi-State Bank (First Republic)
- 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 - 2.45% 7-day yield (reviews on Fatwallet)
- TIAA-CREF Money Market Fund - 2.36% 7-day yeild
- Paypal Money Market Fund - 2.32% 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
ProfessorB (anonymous) - #1, Sunday, August 3, 2008 - 7:44 AM
Thank you for the hard work you put into your blog. The rate hikes and drops is a great addition to the weekly summary.
Ann (anonymous) - #2, Saturday, August 9, 2008 - 12:56 PM
I was able to use this site to ask IndyMac to match New York Bank's 4.75% 3 month CD. This site is great! Thank you for your hard work!
I'm new and not sure where to post this question. I'm trying to keep under FDIC insured amount and IndyMac tells me I will be fully covered for:
Joint CD (myself and husband) 200K (but they can only do 100K ACH)
My CD 100K
Husband's CD 100K
Child's custodial account (w/me being the custodian) 100K
for a total of 500K coverage. Is this correct? They were not certain about the custodial account coverage. Also, I don't want to file taxes for my child so I want to keep the interest earned under the federal tax amount. Does anyone know how much he can earn without having to file - he's only two. :)
Banking Guy (anonymous) - #3, Saturday, August 9, 2008 - 2:11 PM
Congrats on getting IndyMac to match the 4.75%!
About your child's custodial account and FDIC coverage, I've found this FDIC page which has the following:
What is the Uniform Transfers to Minors Act and how are such deposits insured?
The Uniform Transfers to Minors Act (UTMA), adopted by many states, allows an adult to make a gift to a minor. Deposits given to a minor under UTMA are held in the name of a custodian for the minor’s benefit. Such deposits are added to any other single accounts of the minor, and the total insured up to a maximum of $100,000.
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