Dedicated to Deposits: Deals, Data, and Discussion

4.15% 6-Month CD at Earthstar Bank in PA - Nationally Available

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Earthstar Bank has a competitive 6-month CD special. The yield is 4.15% APY with a minimum deposit of $500. There's also a 12-month CD special, but it's not quite as competitive with a yield of 4.25% APY.

According to their Q&A Page, you can apply for accounts in person, by phone/mail or over the internet. The online application allows for multiple beneficiaries and allows funding by check, ACH or wire transfer. According to the CSR, people in any state can apply online. I was told that you'll need to mail in two copies of IDs.

The name is a little weird for a bank, but it's a real bank. Branches are located in Philadelphia, Southampton and Ambler, Pennsylvania.

The bank's financial ratings for soundness are weak: 2 stars (problematic) at BauerFinancial and 1 star (lowest) at Bankrate.com. Both are based on 6/30/08 data. The bank has been FDIC insured since 2001 (FDIC Certificate # 35561).
  Tags: Pennsylvania, CD rates, Earthstar Bank

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