Bank Deals Weekly Summary for August 9, 2008
Aug 9, 2008 - 8:07 PM by Ken Tumin
Quick Link for Rates, Recap of this week's posts
One bit of good news this week was that there were no bank failures. Fridays have been busy for me in the last month with IndyMac's failure followed by failures of three small banks. As reported by this MarketWatch article, second quarter results indicate that conditions for banks continue to worsen. So we may not see too many quiet Fridays.
On Tuesday, the FOMC decided to keep the fed funds rate unchanged (see post). Expectations continue to be for a fed rate hike late this year or early next year.
Savings Account Rates
Emigrant Bank mades news this week with an online savings account, but it wasn't at EmgrantDirect. They changed their online bank BancoFortuna (that was targeted to Spanish speakers) to DollarSavingsDirect, and they increased the yield to 3.75% APY (see post). Emigrant also added a minimum balance requirement of $1,000. However, there are still no fees. You'll just get a lower yield if your balance falls under $1,000. Former BancoFortuna customers won't have to open a new account. However, EmigrantDirect customers will have to if they want 3.75% instead of 3.00% (EmigrantDirect's current yield).
I reported on another new no-minimum online savings account at CNB Bank Direct. On Monday the yield was 3.30% APY, but it was recently increased to 3.50% APY. It has the typical features you would expect from an online account. It's nothing too exciting, but it's always nice to see more competition (see post).
National City, WaMu and Wachovia continue to offer some competitive money market promotions with yields up to 4% APY with some guarantees that range from 3 to 12 months. The rates and availability vary by state. Also, it's hard to know when the promos will end. They often extend them past their expiration dates. For more details, refer to my National City post, WaMu post and my Wachovia post.
Below is a list of some of the major savings account rate changes:
Rate Hikes:
There was a new milestone for CDs this week with a nationally available 4.50% APY 12-month CD. WaMu started offering a 4.50% APY on a 12-month term for both its online CDs (see post) and special branch CDs (see post).
If rates continue to rise, it may not be too long before we see a 5% one year CD that's nationally available. A 5% CD is now available to people in many states with a term of 23 months. It's available at KeyDirect. The 5% requires that you open KeyDirect's new checking account. This adds 25 basis points to the 23-month standard yield of 4.75% (see post).
It seems like about once a year VirtualBank comes out with some very competitive CD rates. Last week may be that one time for this year. Their 9 and 12-month CD rates are near the top with yields of 4.13% and 4.34% APY.
The FDIC must want to keep deposits at IndyMac Federal Bank. They raised the 12-month CD yield to 4.25% APY (see post). I continue to receive reports from readers of IndyMac being willing to match CD rates being offered by other banks. The latest one is a match of Park Avenue Bank's 4.75% APY 3-month CD (see post). This is definitely a "your miles may vary". Please leave a comment if you've tried to get a rate match at IndyMac.
Wachovia once again extended its Featured CDs (see post). The yields remain the same (from 4% APY for a 7-month term to 5.25% APY for a 60-month term).
Reward Checking Accounts
I reported on two more reward checking accounts this week (see below). One reward checking account that I first reported on in June turns out to be available nationwide (see post). The reward checking has an average yield of around 5%, but the nice thing about it is a $50K balance cap. For those not worried about balance caps, the best nationwide deal continues to be the 7.01% reward checking account at MidWest America FCU. This has the typical balance cap of $25K (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 Aug 2nd, Jul 26th, Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st, Jun 14th and Jun 7th.
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 9, 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)
One bit of good news this week was that there were no bank failures. Fridays have been busy for me in the last month with IndyMac's failure followed by failures of three small banks. As reported by this MarketWatch article, second quarter results indicate that conditions for banks continue to worsen. So we may not see too many quiet Fridays.
On Tuesday, the FOMC decided to keep the fed funds rate unchanged (see post). Expectations continue to be for a fed rate hike late this year or early next year.
Savings Account Rates
Emigrant Bank mades news this week with an online savings account, but it wasn't at EmgrantDirect. They changed their online bank BancoFortuna (that was targeted to Spanish speakers) to DollarSavingsDirect, and they increased the yield to 3.75% APY (see post). Emigrant also added a minimum balance requirement of $1,000. However, there are still no fees. You'll just get a lower yield if your balance falls under $1,000. Former BancoFortuna customers won't have to open a new account. However, EmigrantDirect customers will have to if they want 3.75% instead of 3.00% (EmigrantDirect's current yield).
I reported on another new no-minimum online savings account at CNB Bank Direct. On Monday the yield was 3.30% APY, but it was recently increased to 3.50% APY. It has the typical features you would expect from an online account. It's nothing too exciting, but it's always nice to see more competition (see post).
National City, WaMu and Wachovia continue to offer some competitive money market promotions with yields up to 4% APY with some guarantees that range from 3 to 12 months. The rates and availability vary by state. Also, it's hard to know when the promos will end. They often extend them past their expiration dates. For more details, refer to my National City post, WaMu post and my Wachovia post.
Below is a list of some of the major savings account rate changes:
Rate Hikes:
- Corus - 3.85% APY (was 3.70%)
- DollarSavingsDirect - 3.75% (was 2.75% as BancoFortuna)
- BankUnited - 3.55% APY (was 3.50%)
- Amegy - 3.52% APY (was 3.50%)
- Nationwide - 3.52% APY (was 3.50%)
- CNB Bank Direct (new) - 3.50% APY (was 3.30%)
- Discover - 3.04% APY (was 3.09%)
There was a new milestone for CDs this week with a nationally available 4.50% APY 12-month CD. WaMu started offering a 4.50% APY on a 12-month term for both its online CDs (see post) and special branch CDs (see post).
If rates continue to rise, it may not be too long before we see a 5% one year CD that's nationally available. A 5% CD is now available to people in many states with a term of 23 months. It's available at KeyDirect. The 5% requires that you open KeyDirect's new checking account. This adds 25 basis points to the 23-month standard yield of 4.75% (see post).
It seems like about once a year VirtualBank comes out with some very competitive CD rates. Last week may be that one time for this year. Their 9 and 12-month CD rates are near the top with yields of 4.13% and 4.34% APY.
The FDIC must want to keep deposits at IndyMac Federal Bank. They raised the 12-month CD yield to 4.25% APY (see post). I continue to receive reports from readers of IndyMac being willing to match CD rates being offered by other banks. The latest one is a match of Park Avenue Bank's 4.75% APY 3-month CD (see post). This is definitely a "your miles may vary". Please leave a comment if you've tried to get a rate match at IndyMac.
Wachovia once again extended its Featured CDs (see post). The yields remain the same (from 4% APY for a 7-month term to 5.25% APY for a 60-month term).
Reward Checking Accounts
I reported on two more reward checking accounts this week (see below). One reward checking account that I first reported on in June turns out to be available nationwide (see post). The reward checking has an average yield of around 5%, but the nice thing about it is a $50K balance cap. For those not worried about balance caps, the best nationwide deal continues to be the 7.01% reward checking account at MidWest America FCU. This has the typical balance cap of $25K (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
- Update on Vineyard Bank
- Fed Continues to Keep Rates Unchanged - Future of CD and Savings Account Rates?
- Should FDIC Insurance Limits Be Changed?
Savings and Money Market Deals - National
- Emigrant's New Internet Bank: DollarSavingsDirect
- Update on WaMu's Money Market Savings Account and CD Promotion
- New Online Savings Account at CNB Bank Direct
- 4.00% Money Market Account for 180 Days at National City
CD Deals - National
- 4.25% 7-Month CD at a California CU - Easy Membership/ASI-Insured Only (Christian Community)
- 5.00% 23-Month CD with New Key Advantage Checking at KeyDirect
- 4.34% 12-Month / 4.13% 9-Month CD at VirtualBank
- 4.50% 12-Month Online CD at WaMu
- IndyMac Federal Bank Raises CD Rates
- 4.50% 20-Month CD at Digital Credit Union - Easy Membership
- Update on Wachovia's Featured CDs and Money Market Promotion
- 4.00% 7-Month / 4.75% 30-Month CD at Regions Bank (Rates May Vary By State)
Checking/Savings Account Bonuses
- $50 Checking Account Bonus at iGObanking.com
- $150 Checking Account Bonus at a California Credit Union (NuVision)
Reward Checking Accounts
- Another Nationwide Reward Checking Account - 5.02% APY for a $50K Balance
- 6.01% Reward Checking Account at First Community Bank in IL/IA
- 5.10% Reward Checking Account at Royal Banks of Missouri
CD and Money Market Deals - Local
- 4.15% 10-Month / 4.30% 15-Month CD at an OR/WA Credit Union (NW Priority)
- 5.00% 18-Month CD at a Georgia Credit Union (Georgia Heritage)
- 5.06% 48-Month / 5.12% 60-Month CD at a California CU (Coast Central)
- 4.75% 3-Month / 4.25% 7-Month CD at a New York Bank - $100K Min (Park Avenue)
- 4.40% 15-Month / 4.00% 7-Month CD at a Chicago Bank (Cole Taylor)
- 5.30% 60-Month / 5.05% 37-Month CD at Fifth Third Bank in Some States
- 4.75% 15-Month CD at a Georgia Bank (First Georgia Community)
- 4.25% 6-Month / 4.25% 24-Month CD at a Florida Bank - Add-On Feature (Coastal)
- 4.35% 12-Month / 4.10% 7-Month CD at a Florida Bank (Pinnacle)
- 4.25% 12-Month CD at a California Bank - and 3.50% Savings Account (Security Pacific)
- 4.15% 12-Month CD at a Missouri Bank - Add-On Feature (Royal Banks)
- 4.40% 12-Month / 4.00% 8-Month CD at a Georgia Bank (American United)
- 4.25% 12-Month / 5.00% 60-Month CD at a Texas Bank (Equity)
- 4.30% 9-Month CD at a Virginia Bank (Millennium)
- 4.60% 12-Month / 4.20% 8-Month CD at a Florida Bank (Freedom)
The rates listed below are based on Annual Percentage Yield (APY). No minimum balances are required unless noted. MMA next to the rates indicate a money market account. Most MMAs have check writing and ATM cards. Online savings accounts usually lack both of these. The top lists include banks and credit unions with broad availability and with minimums around $10K or less. Previous weekly summaries are available for Aug 2nd, Jul 26th, Jul 19th, Jul 12th, Jul 5th, Jun 28th, Jun 21st, Jun 14th and Jun 7th.
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 9, 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
- 1st Constitution Direct - 3.90% (min $100), 3 mo promo, account review
- SmartyPig - 3.90% (min $25) access restrictions, account review
- Corus Bank - 3.85% MMA (min $10K) account review
- DollarSavingsDirect - 3.75% ($1K min) account review
- CapitalOne/Costco - 3.75% Savings (min $10K, Costco members only, $60 deal for exec. members)
- Alliant Credit Union - 3.75% (min $100) account review
- Union Federal Savings - 3.75% account review
- Washington Mutual - 3.75% (requires checking), account review
- Flagstar - 3.65% MMA, account review
- Century Bank Direct - 3.57% MMA (min $1K) account review
- BankUnited - 3.55% (min $5K), account review
- Doral Bank Direct - 3.55% (min $1K) account review
- Countrywide - 3.55% (min $10K), account review
- Heartland Bank Direct - 3.55%, ($500 min), account review
- Amegy Bank - 3.52% (min $10K) account review
- Nationwide Bank - 3.52% MMA (min $1K) account review + $25 bonus
- Zions Bank - 3.51% MMA, outside of Utah, (min $2.5K) account review
- EverBank - 3.51% MMA ($1.5K min) account review
- CNB Bank Direct - 3.50%, account review
- FNBO Direct - 3.50%, account review
- Provident Direct - 3.50%, account review
- Capital One - 3.50% (Savings) (min $10K) account review
- OnBank - 3.50%, account review
- ShoreBank - 3.50%, account review
- HSBC Direct - 3.50%, promo, account review
- Bank of Internet - 3.46% MMA (min $100) account review
- Century Bank Direct - 3.41% (min $100) account review
- UmbrellaBank - 3.40% MMA (min $1K), account review
- Bank of Internet - 3.40% Checking (min $5K) account review
- Century Bank Direct - 3.35% Checking (min $100) account review
- GCF Bank - 3.34% (min $100), 3-mo promo, account review
- WTDirect - 3.31% ($10K min), account review
- Provident Bank Online - 3.30% (min $10) (rate good thru 2008) account review
- ETrade Bank - 3.30%, post ($25 bonus)
- iGObanking - 3.28%, account review
- OneUnited - 3.26% (min $1K), account review
- M&T Bank - 3.25%, account review
- Amboy Direct - 3.25% (min $3K) (eSavings) account review
- AARP Financial Savings Center - 3.20%, AARP membership req, account review
- CapitalOne/Costco - 3.20% MMA (min $1K, Costco members only, $60 deal for exec. members)
- Indymac Federal Bank - 3.10% (min $1K) (3.70% for $50K+) account review
- Beverly National Bank - 3.10% (min $5K) account review
- Savings Square - 3.05%, account review
- AmboyDirect - 3.05% (Premium Savings) post ($25 bonus)
- Imperial Capital - 3.05% Checking (min $1K) account review
- Discover Bank - 3.04% MMA (min $2.5K) (3.14% for $50K+) account review
- ETrade Bank - 3.01% Checking (min $5K) account review
- E-LOAN - 3.01% ($5K min), account review
- FirstFedDirect - 3.01% (min $1K) (closed to CA residents), account review
- KeyDirect - 3.00% MMA (min $50), Not all states, account review
- Capital One - 3.00% MMA, account review
- Imperial Capital - 3.00% MMA ($2.5K min) (3.65% for $100K+) account review
- Salem Five Direct - 3.00% Checking (3.50% $100K+), account review
- GMAC Bank - 3.00% MMA (min $500), account review
- Transportation Alliance Bank - 3.00%, ($25 min), account review
- ING Direct - 3.00%, (1.75% checking), post ($25 bonus)
- UnivestDirect - 3.00%, (1.75% checking), account review
- Rainier Pacific - 3.00%, MMA account review
- EmigrantDirect - 3.00%, account review
- UFB Direct - 2.96%, account review
- Mutual Bank - 2.75% MMA (min $5K), account review
- grand yield direct - 2.75% (min $2.5K) account review
- MetLife Bank - 2.75% MMA (min $10K), post ($50 bonus)
- 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
- MyBankingDirect - 2.50% MMA (min $5K), account review
- AmTrustDirect - 2.50%, ongoing, (e-Savings) 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 - 1.94% (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
- Metropolitan Bank - 3.25% ($2.5K min), account review
- ebank - 3.25% (min $1K)
- UmbrellaBank - 3.25% (min $1K) account review
- GMAC Bank - 3.25% (min $500), account review
- Element Financial - 3.16% (min $10K), account review
- EverBank - 3.05% ($1.5K min) account review
- FirstFedDirect - 3.01% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- Self-Help Credit Union - 2.84% (min $500), account review
- UFB Direct - 2.75% (min $8K)
- ETrade Bank - 2.60% (min $1K), account review
- National Bank of KC - 2.60% (min $10K), account review
6-Month Certificates of Deposit:
- Christian Community CU - 4.25% (7-mo) (min $500) not NCUA insured (ASI only) account review
- Countrywide Bank - 4.10% (7-mo) (min $10K) account review
- ISN Bank - 4.10% (min $1K) account review
- Corus Bank - 4.05% (min $10K) account review
- Ascencia Bank - 4.01% (min $500), account review
- Wachovia - 4.00% (7-mo) (min $5K) account review
- Premier America CU - 4.00% (7-mo) (min $10K) account review
- VirtualBank - 3.82% (min $10K), account review
- GMAC Bank - 3.76% (min $500), account review
- Century Bank Direct - 3.76% (5 mo) (min $1K) account review
- E-LOAN - 3.76% ($10K min), account review
- H&R Block Bank - 3.75% (min $10K) account review
- Imperial Capital - 3.65% ($2K min), account review
- Flagstar - 3.65% (min $500), account review
- Zions Bank - 3.64% (min $1K) account review
- AmTrustDirect - 3.51% (min $1K) account review
- ebank - 3.50% (min $1K)
- Tennessee Commerce Bank - 3.50% (min $5K)
- Element Financial - 3.50% (min $10K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- UmbrellaBank - 3.50% (min $1K) account review
- Greystone Bank - 3.50% (min $50K) account review
- 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
- ETrade Bank - 3.30% (min $1K), account review
- Countrywide - 3.30% (min $10K), account review
- University FCU - 3.30% (min $2.5K), account review
- La Jolla Bank - 3.30% (min $10K), account review
- ING Direct - 3.30%, account review
- Intervest - 3.30% (min $2.5K), account review
- Northrop Grumman FCU - 3.26% (min $40K), account review
- Capital One - 3.25% (min $5K) account review
- FirstFedDirect - 3.25% (min $10K), account review
- Principal Bank - 3.25% (7 mo) (min $5K), account review
- Bank of America - 3.20% (7-mo) (min $5K) account review
- Self-Help Credit Union - 3.15% (min $500), account review
- UFB Direct - 3.05% (min $8K)
- National Bank of KC - 3.00% (min $10K), account review
- KeyDirect - 3.00% (min $5K), 3.25% w/chk, Not all states, account review
- Mountain America CU - 3.00% (min $1K) 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 - 2.59% (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
- Stonebridge Bank - 4.00% (min $500) account review
- Imperial Capital - 4.00% ($2K min), account review
- E-LOAN - 3.81% ($10K min), account review
- Academy Bank - 3.80% (min $500), account review
- State Farm Bank - 3.80% (min $500) account review
- GMAC Bank - 3.76% (min $500), account review
- AmTrustDirect - 3.76% (min $1K) account review
- UmbrellaBank - 3.60% (min $1K) account review
- Element Financial - 3.50% (min $10K), account review
- Citibank - 3.50% (min $500)
- Doral Bank Direct - 3.50% (min $1K) account review
- EverBank - 3.41% ($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
- National Bank of KC - 3.00% (min $10K), account review
- Countrywide - 3.00% (min $10K), account review
- iGObanking - 2.75% (min $500), account review
12-Month Certificates of Deposit:
- Washington Mutual - 4.50% (min $1K), 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
- Heritage Bank - 4.30% (min $5K) account review
- AmTrustDirect - 4.30% (min $1K) account review
- Corus Bank - 4.28% (min $10K) account review
- Flagstar - 4.25% (min $500), account review
- Indymac Federal Bank - 4.25% (min $5K) account review
- National City Bank - 4.25% (13-mo) (min $10K), req chk, account review
- NewDominion Bank - 4.25% (min $3K) account review
- Wachovia - 4.25% (min $5K) account review
- Pacific Mercantile Bank - 4.20% (min $10K) account review
- GMAC Bank - 4.15% (min $500), account review
- Ascencia Bank - 4.15% (min $500), account review
- E-LOAN - 4.15% ($10K min), account review
- Century Bank Direct - 4.11% (15 mo) (min $1K) account review
- Tennessee Commerce Bank - 4.10% (min $5K)
- UmbrellaBank - 4.10% (min $1K) account review
- Melrose CU - 4.06% (min $5K) account review
- ebank - 4.05% (min $1K)
- Advanta Bank - 4.00% (min $10K), account review
- NASA FCU - 4.00% (11 mo) ($5K min) account review
- Greystone Bank - 4.00% (min $50K) account review
- KeyDirect - 4.00% (min $5K), 4.25% w/chk, Not all states, account review
- Digital Credit Union - 4.00% (15 mo) (min $500) account review
- Fifth Third - 4.00% (13 mo) (min $5K), Not all states, account review
- Navy FCU - 4.00% (15 mo) ($15K min) restrictions to membership, account review
- Zions Bank - 3.97% (min $1K) account review
- Transportation Alliance Bank - 3.95% ($1K min)
- Imperial Capital - 3.95% ($2K min), account review
- Alliant Credit Union - 3.90% (min $25K) account review
- Countrywide - 3.90% (min $10K), account review
- ISN Bank - 3.87% (min $1K) account review
- 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
- 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
- ETrade Bank - 3.55% (min $1K), account review
- Principal Bank - 3.51% (14 mo) (min $5K), account review
- Northrop Grumman FCU - 3.51% (min $40K), account review
- Intervest - 3.50% (min $2.5K), account review
- Capital One - 3.50% (min $5K) account review
- Doral Bank Direct - 3.50% (min $1K) account review
- Metropolitan Bank - 3.50% ($2.5K min), account review
- La Jolla Bank - 3.50% (min $10K), account review
- University FCU - 3.45% (min $2.5K), account review
- Air Force FCU - 3.45% (min $25K) restrictions to membership, account review
- FirstFedDirect - 3.40%, (min $10K) account review
- ING Direct - 3.40% account review
- CU of Georgia - 3.35% (min $50K), account review
- iGobanking - 3.28% (min $500), account review
- Academy Bank - 3.25% (min $500), account review
- Delta Community CU - 3.25% (min $1K) account review
- Air Academy FCU - 3.15% (min $10K) membership restrictions, account review
- Western FCU - 3.12% (min $40K), account review
- Mountain America CU - 3.10% (min $1K) account review
- UFB Direct - 3.10% (min $8K)
- Mutual Bank - 3.08% (min $2.5K) account review
- Self-Help Credit Union - 3.06% (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
- 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
- NewDominion Bank - 4.30% (min $3K) account review
- Greystone Bank - 4.25% (min $50K) account review
- ebank - 4.25% (min $1K)
- Geauga Savings Bank - 4.25% (min $1K) account review
- Century Bank Direct - 4.20% (20 mo) (min $1K) account review
- OnBank - 4.20% (min $500), account review
- Tennessee Commerce Bank - 4.18% (min $5K)
- GMAC Bank - 4.18% (min $500) account review
- Discover Bank - 4.18% (min $2.5K), account review
- VirtualBank - 4.08% (min $10K), account review
- Zions Bank - 4.08% (min $1K) account review
- Advanta Bank - 4.05% (min $10K), account review
- Doral Bank Direct - 4.00% (min $1K) account review
- KeyDirect - 4.00% (min $5K), 4.25% w/chk, Not all states, 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
- Capital One - 3.75% (min $5K) account review
- EverBank - 3.74% ($1.5K min) account review
- National Bank of KC - 3.66% (min $10K), account review
- Academy Bank - 3.60% (min $500) account review
- Flagstar - 3.60% (min $500), account review
- Element Financial - 3.50% (min $10K), account review
- ETrade Bank - 3.35% (min $1K), account review
- Mountain America CU - 3.15% (min $1K) account review
- ING Direct - 3.00%, account review
- Countrywide - 3.00% (min $10K), account review
- H&R Block Bank - 2.75% (min $250) account review
- iGObanking - 2.75% (min $500) account review
- Lehman Brothers Bank - 2.17% (min $1K)
24-Month Certificates of Deposit:
- KeyDirect - 4.75% (23 mo) (min $5K), 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
- Huntington - 4.50% (min $1K) account review
- State Bank of India - 4.47% (min $5K) account review
- E-LOAN - 4.36% ($10K min) (4.41% for $100K+) account review
- Greystone Bank - 4.35% (min $50K) account review
- NewDominion Bank - 4.35% (min $3K) account review
- Discover Bank - 4.35% (min $2.5K) account review
- AmTrustDirect - 4.35% (min $1K) account review
- VirtualBank - 4.34% (min $10K), account review
- OnBank - 4.30% (min $500), account review
- GMAC Bank - 4.28% (min $500) account review
- Capital One - 4.25% (min $5K) (4.40% $100K+) account review
- Tennessee Commerce Bank - 4.25% (min $5K)
- Transportation Alliance Bank - 4.25% ($1K min)
- Zions Bank - 4.23% (min $1K) 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
- iGObanking - 4.00% (min $500) account review
- Flagstar - 4.00% (min $500), account review
- National Bank of KC - 3.85% (min $10K), account review
- Air Force FCU - 3.85% (min $25K) restrictions to membership, account review
- US Bank - 3.85% (25 mo) (min $1K), Not all states, account review
- EverBank - 3.83% ($1.5K min) account review
- Mutual Bank - 3.70% (min $1K) account review
- Presidential Bank - 3.65% (min $1K)
- University FCU - 3.65% (min $2.5K), account review
- Northrop Grumman FCU - 3.64% (min $40K), account review
- Element Financial - 3.60% (min $10K), account review
- Navy FCU - 3.60% ($20K min) (3.75% for $100K+) restrictions to membership, account review
- Countrywide - 3.50% (min $10K), account review
- Delta Community CU - 3.50% (min $1K) account review
- Self-Help Credit Union - 3.46% (min $500), account review
- CU of Georgia - 3.45% (min $50K), account review
- UFB Direct - 3.45% (min $8K)
- ebank - 3.40% (min $1K)
- Air Academy FCU - 3.35% (min $10K) membership restrictions, account review
- Doral Bank Direct - 3.25% (min $1K) account review
- Western FCU - 3.25% (min $40K), account review
- Mountain America CU - 3.20% (min $1K) account review
- ING Direct - 3.00% account review
- Apple Bank - 3.00% (min $500) account review
- H&R Block Bank - 2.75% (min $250) account review
- Lehman Brothers Bank - 2.28% (min $1K)
36-Month Certificate of Deposit:
- Fifth Third - 5.05% (37 mo) (min $5K) Not all states account review
- Wachovia - 5.00% (min $5K) account review
- NewDominion Bank - 4.75% (min $3K) account review
- OnBank - 4.70% (min $500), account review
- State Bank of India - 4.68% (min $5K) account review
- Discover Bank - 4.65% (min $2.5K) account review
- E-LOAN - 4.61% ($10K min) (4.70% for $100K+) account review
- Greystone Bank - 4.50% (min $50K) account review
- GMAC Bank - 4.50% (min $500) account review
- KeyDirect - 4.50% (min $5K), 4.75% w/chk, Not all states, account review
- Intervest - 4.45% (min $2.5K), account review
- Transportation Alliance Bank - 4.45% ($1K min)
- Tennessee Commerce Bank - 4.35% (min $5K)
- AmTrustDirect - 4.35% (min $1K) account review
- VirtualBank - 4.34% (min $10K), account review
- Melrose CU - 4.32% (min $5K) account review
- Flagstar - 4.26% (min $500), account review
- Capital One - 4.25% (min $5K) (4.50% $100K+) account review
- Third Federal - 4.25% (min $500) account review
- Ascencia Bank - 4.25% (min $500), account review
- M&T Bank - 4.25% (min $5K) account review
- Advanta Bank - 4.20% (min $10K), account review
- EverBank - 4.17% ($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
- Air Force FCU - 3.90% (min $25K) restrictions to membership, account review
- Northrop Grumman FCU - 3.85% (min $40K), account review
- Self-Help Credit Union - 3.82% (min $500), account review
- UFB Direct - 3.80% (min $8K)
- Mutual Bank - 3.80% (min $1K) account review
- University FCU - 3.75% (min $2.5K), account review
- ETrade Bank - 3.75% (min $1K), account review
- CU of Georgia - 3.71% (min $50K), account review
- Countrywide - 3.70% (min $10K), account review
- Element Financial - 3.70% (min $10K), account review
- Principal Bank - 3.70% (33 mo) (min $5K), account review
- Patelco CU - 3.61% ($1K min), account review
- Delta Community CU - 3.60% (min $1K) account review
- Western FCU - 3.55% (min $40K), account review
- Air Academy FCU - 3.55% (min $10K) membership restrictions, account review
- Mountain America CU - 3.55% (min $1K) account review
- Agriculture FCU - 3.50% (min $1K), account review
- Doral Bank Direct - 3.50% (min $1K) account review
- ebank - 3.40% (min $1K)
- Navy FCU - 3.35% ($20K min) (3.45% for $100K+) restrictions to membership, account review
- ING Direct - 3.30%, account review
- H&R Block Bank - 3.00% (min $250) account review
- Lehman Brothers Bank - 2.38% (min $1K)
48-Month Certificate of Deposit:
- KeyDirect - 5.25% (min $5K), 5.50% w/chk, Not all states, account review
- National City Bank - 5.25% (min $10K), req chk, account review
- Wachovia - 5.15% (min $5K) account review
- Washington Mutual - 5.00% (min $1K), account review
- OnBank - 4.90% (min $500), account review
- Discover Bank - 4.81% (min $2.5K) account review
- E-LOAN - 4.76% ($10K min) (4.90% for $100K+) account review
- Transportation Alliance Bank - 4.75% ($1K min)
- NewDominion Bank - 4.75% (min $3K) account review
- GMAC Bank - 4.75% (min $500) account review
- Capital One - 4.75% (min $5K) (5.00% $100K+) account review
- Greystone Bank - 4.65% (min $50K) account review
- Intervest - 4.60% (min $2.5K), account review
- US Bank - 4.60% (45 mo) (min $1K), Not all states, account review
- Melrose CU - 4.58% (min $5K) account review
- Third Federal - 4.50% (min $500) account review
- Flagstar - 4.50% (min $500), account review
- Tennessee Commerce Bank - 4.40% (min $5K)
- EverBank - 4.40% ($1.5K min) account review
- Advanta Bank - 4.35% (min $10K), account review
- VirtualBank - 4.34% (min $10K), account review
- Patelco CU - 4.28% ($1K min), account review
- M&T Bank - 4.28% (min $5K) account review
- National Bank of KC - 4.10% (min $10K), account review
- Northrop Grumman FCU - 4.09% (min $40K), account review
- Self-Help Credit Union - 4.07% (min $500), account review
- Pentagon Federal CU - 4.01% (min $1K), account review
- CU of Georgia - 3.97% (min $50K), account review
- University FCU - 3.97% (min $2.5K), account review
- Countrywide - 3.95% (min $10K), account review
- Western FCU - 3.92% (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
- Citibank - 3.80% (min $500)
- Element Financial - 3.80% (min $10K), account review
- Agriculture FCU - 3.70% (min $1K), account review
- Air Academy FCU - 3.65% (min $10K) membership restrictions, account review
- Navy FCU - 3.65% ($20K min) restrictions to membership, account review
- ING Direct - 3.50%, account review
- Doral Bank Direct - 3.50% (min $1K) account review
- H&R Block Bank - 3.50% (min $250) account review
- ebank - 3.40% (min $1K)
- Lehman Brothers Bank - 2.43% (min $1K)
60-Month Certificate of Deposit:
- Wachovia - 5.25% (min $5K) account review
- KeyDirect - 5.25% (min $5K), 5.50% w/chk, Not all states, account review
- OnBank - 5.15% (min $500), account review
- Discover Bank - 5.12% (min $2.5K) account review
- State Bank of India - 5.09% (min $5K) account review
- E-LOAN - 5.01% ($10K min) (5.25% $100K+) account review
- GMAC Bank - 5.00% (min $500) account review
- Transportation Alliance Bank - 5.00% ($1K min)
- Washington Mutual - 5.00% (min $1K), account review
- Capital One - 5.00% (min $5K) (5.25% $100K+) account review
- Third Federal - 5.00% (min $500) account review
- US Bank - 5.00% (59 mo) (min $1K), Not all states, account review
- Salem Five Bank - 5.00% (min $10K), account review
- Melrose CU - 5.00% (min $5K) account review
- Greystone Bank - 4.75% (min $50K) account review
- Intervest - 4.75% (min $2.5K), account review
- NewDominion Bank - 4.75% (min $3K) account review
- Tennessee Commerce Bank - 4.65% (min $5K)
- VirtualBank - 4.60% (min $10K), account review
- Pentagon Federal CU - 4.60% (min $1K), account review
- M&T Bank - 4.60% (min $5K) account review
- EverBank - 4.56% ($1.5K min) account review
- Advanta Bank - 4.55% (min $10K), account review
- Mountain America CU - 4.50% (min $1K) account review
- Flagstar - 4.50% (min $500), account review
- Northrop Grumman FCU - 4.40% (min $40K), account review
- Patelco CU - 4.39% ($1K min), account review
- AmTrustDirect - 4.35% (min $1K) account review
- Bank of Internet - 4.29% (min $1K) account review
- Self-Help Credit Union - 4.25% (min $500), account review
- Navy FCU - 4.25% ($20K min) (4.40% for $100K+) restrictions to membership, account review
- Ascencia Bank - 4.25% (min $500), account review
- USA FCU - 4.23% (min $1K) account review
- University FCU - 4.22% (min $2.5K), account review
- National Bank of KC - 4.20% (min $10K), account review
- Delta Community CU - 4.20% (min $1K) 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
- Citibank - 4.00% (min $500)
- Telcom Credit Union - 4.00% (min $500) account review
- Western FCU - 4.00% (min $40K) account review
- UFB Direct - 4.00% (min $8K)
- ING Direct - 4.00%, account review
- iGobanking - 4.00% (min $500), account review
- Agriculture FCU - 4.00% (min $1K), account review
- Element Financial - 4.00% (min $10K), account review
- Countrywide - 3.95% (min $10K), account review
- Air Force FCU - 3.95% (min $25K) restrictions to membership, account review
- Air Academy FCU - 3.75% (min $10K) membership restrictions, account review
- Presidential Bank - 3.75% (min $1K)
- Doral Bank Direct - 3.50% (min $1K) account review
- H&R Block Bank - 3.50% (min $250) account review
- ebank - 3.40% (min $1K)
- Apple Bank - 3.00% (min $500) account review
- Lehman Brothers Bank - 2.48% (min $1K)
84-Month Certificate of Deposit:
- 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 - 4.78% (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)
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)
- 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)
- 4.25% 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% 15-Month CD at a Florida Bank (Century)
- 4.60% 18-Month CD at a Californa Bank (Downey Savings)
- 4.60% 12-Month CD at a Florida Bank (Freedom)
- 4.50% 12-Month CD at a California Bank (Vineyard)
- 4.50% 12-Month CD at a Georgia Bank (Integrity)
- 4.40% 12-Month CD at a Georgia Bank (American United)
- 4.40% 15-Month CD at a Chicago Bank (Cole Taylor)
- 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 Florida Bank (Pinnacle)
- 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)
- 4.30% 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)
- 4.20% 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)
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% 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)
- 4.30% 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% 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)
- 4.25% 6-Month CD at a Florida Bank - Add-On Feature (Coastal)
- 4.25% 7-Month CD at a New York Bank - $100K Min (Park Avenue)
- 4.25% 7-Month CD at a California CU - Easy Membership/ASI-Insured Only (Christian Community)
- 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)
- 4.10% 6-Month CD at a AL/GA/FL/TX/NV Bank (Colonial)
- 4.10% 7-Month CD at a Florida Bank (Pinnacle)
- 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% 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% 7-Month CD at a Chicago Bank (Cole Taylor)
- 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 - 2.40% 7-day yeild
- Paypal Money Market Fund - 2.32% 7-day yield (1% cashback debit MasterCard)
- Vanguard Prime Money Market Fund - 2.19% 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
anonymous77 (anonymous) - #1, Sunday, August 10, 2008 - 8:36 AM
< Former BancoFortuna customers won't have to open a new account. However, EmigrantDirect customers will have to if they want 3.75% instead of 3.00% (EmigrantDirect's current yield). >
Does an Emigrant Direct accountholder who also opens the Dollar Direct account have separate FDIC coverage for both, or are the two accounts considered as being within the same institution? Thanks.
Banking Guy (anonymous) - #2, Sunday, August 10, 2008 - 2:53 PM
Both EmigrantDirect and DollarSavingsDirect are divisions of the same bank, Emigrant Bank. Both websites list Emigrant Bank with the same Certificate # 12054. So accounts would likely be combined for purposes of FDIC insurance.
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