Bank Deals Weekly Summary for December 27, 2008

Quick Link for Rates, Recap of this week's posts

Happy Holidays. This is a reduced version of my weekly rate recap. I was going to skip a week, but rates have declined so much in the last week, I thought it was important to update the rates. Banks are still responding to the historic Fed rate cut on December 16th.

Savings Account Rates

Rates continued to trend down. There are still 3 banks offering 4% savings accounts. DollarSavingsDirect continues to offer 4% APY and EverBank continues to offer 4.08% APY guaranteed for 3 months. I doubt these will last too much longer. In a few months, I'm afraid it may be difficult to find a 3% savings account.

Below is the list of savings account rate changes for this week. With so many rate cuts, it's hard to keep track of these. There were over two dozen cuts that I reported on in my December 20th weekly recap. So if you don't find a rate cut below, check that recap from last week. The full list of savings account rates is farther down.

Rate Hikes:

1. None

Rate Drops:

1. GMAC Bank Savings - 3.25% (was 3.75%)
2. Venture Bank Direct - 3.50% (was 3.60%)
3. OneUnited - 3.00% (was 3.35%)
4. ETrade Savings - 3.01% (was 3.30%)
5. iGObanking - 3.08% (was 3.28%)
6. Nationwide MMA - 2.97% (was 3.27%)
7. FNBO Direct Savings 2.80% (was 3.25%)
8. GMAC Bank MMA - 2.75% (was 3.25%)
9. National City 6mo promo - 3.00% (was 3.25%)
10. Capital One/Costco Savings - 3.05% (was 3.37%)
11. Capital One - 3.00% (was 3.25%)
12. Capital One/Costco MMA - 2.35% (was 3.00%)
13. Capital One MMA - 2.10% (was 2.75%)
14. IndyMac MMA - 2.75% $25K+ (was 3.25%)
15. M&T Bank savings - 2.75% (was 3.00%)
16. Discover MMA - 2.75% (was 2.90%)
17. iGObanking checking - 1.75% (was 2.00%)
18. Citibank Ultimate Savings - 2.50% (was 2.75%)

Nationwide Certificate of Deposit Rates

CD rates again trended down this week even more than savings account rates. For those who haven't locked into a CD, the next few days may be the last chance for some decent rates at credit unions. Many credit typically change rates at the start of month, so many still have some decent rates. These are included in the list below:

The full list of nationwide CD rates is farther down.

1. 4.00% 6-mo CD at Navy FCU (account review)
2. 4.00% 7-mo Add-On CD at America's CU (account review)
3. 4.00% 12-mo CD at Mountain America CU (account review)
4. 4.00% 12-mo CD at GMAC Bank (account review)
5. 4.00% 16-mo CD at DollarSavingsDirect (account review
6. 4.15% 17-mo CD at Western FCU (account review)
7. 4.75% 3-year CD at PenFed (account review)
8. 5.10% 5-year CD at Navy FCU (account review)

Reward Checking Accounts

Many reward checking accounts continue offering 5-percent-plus yields, but like all other deposit accounts, banks are cutting these rates. I've added a few new reward checking accounts this week, and I've spent some time updating rates on my existing reward checking accounts (almost 300). I'm afraid this will be keeping me busy in the weeks to come.

For my full list of reward checking accounts around the nation, please refer to my High Yield Checking website. I'll be updating this website next week.

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 Dec 20th, Dec 13th, Dec 6th, Nov 29th, Nov 22nd, Nov 15th, Nov 8th, Nov 1st, Oct 25th, Oct 18th and Oct 12th.

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 December 27, 2008

Checking/Savings/Money Market Accounts:

• Reward Checking Accounts with Yields up to 6.31%

• EverBank - 4.08% ($1.5K min), 3 mo promo, account review
• Broadway Federal Bank - 4.08% ($1K min) account review
• DollarSavingsDirect - 4.00% ($1K min) account review
• SmartyPig - 3.90% (min $25) access restrictions, account review
• Provident Direct - 3.75%, account review
• 1st Constitution Direct - 3.75% (min $100), 3 mo promo, account review
• Corus Bank - 3.65% MMA (min $10K) account review
• Savings Square - 3.60%, account review
• Union Federal Savings - 3.60% 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
• Flagstar - 3.55% MMA, account review
• ShoreBank - 3.50%, account review
• Alliant Credit Union - 3.50% (min $100) (3.50% starting 12/1) account review
• Venture Bank Direct - 3.50%, account review
• CNB Bank Direct - 3.50% account review
• Century Bank Direct - 3.41% (min $100) account review
• Century Bank Direct - 3.35% Checking (min $100) account review
• Provident Bank Online - 3.30% (min $10) (rate good thru 2008) account review
• Mutual Bank - 3.30% MMA, 90-day intro, (min $5K), account review
• Bank of Internet - 3.26% MMA (min $100) account review
• GMAC Bank - 3.25% Savings account review
• EverBank - 3.21% MMA ($1.5K min) account review
• Bank of Internet - 3.20% Checking (min $5K) account review
• OnBank - 3.15%, account review
• UFB Direct - 3.15%, Travelers Savings (min $500) account review
• iGObanking - 3.08%, account review
• WTDirect - 3.06% ($10K min), account review & $250 bonus
• Heartland Bank Direct - 3.05%, ($500 min), account review
• Imperial Capital - 3.05% Checking (min $1K) account review
• AmboyDirect - 3.05% (Premium Savings) post ($25 bonus)
• CapitalOne/Costco - 3.05% Savings (min $10K, Costco members only, $60 deal for exec. members)
• ETrade Bank - 3.01%, post ($25 bonus)
• Imperial Capital - 3.00% MMA ($2.5K min) (3.75% for $100K+) account review
• HSBC Direct - 3.00% account review
• grand yield direct - 3.00% (min $2.5K) account review
• Amegy Bank - 3.00% (min $10K) account review
• Capital One - 3.00% (Savings) (min $10K) account review
• National City - 3.00% (min $5K), 6 mo promo, Not all states, account review
• OneUnited - 3.00% (min $1K), account review
• GCF Bank - 3.00% (min $100), 3-mo promo, account review
• Nationwide Bank - 2.97% MMA (min $1K) account review
• Zions Bank - 2.84% MMA, outside of Utah, (min $2.5K) account review
• FNBO Direct - 2.80%, account review
• Amboy Direct - 2.79% (min $3K) (eSavings) account review ($50 bonus)
• Salem Five Direct - 2.75% Checking (3.00% $100K+), account review
• Mutual Bank - 2.75% MMA (min $5K), account review
• ING Direct - 2.75%, (0.50% checking), post ($25 bonus)
• Discover Bank - 2.75% MMA (min $2.5K) (2.86% for $50K+) account review
• M&T Bank - 2.75%, account review
• Indymac Federal Bank - 2.75% (min $1K) (2.75% for $25K+) account review
• EmigrantDirect - 2.75%, account review
• GMAC Bank - 2.75% MMA account review
• UmbrellaBank - 2.75% MMA (min $1K), account review
• Citibank - 2.50% (Ultimate Savings) account review
• AARP Financial Savings Center - 2.50%, AARP membership req, account review
• E-LOAN - 2.40% Savings Plus ($10K min) (2.80% for $50K+) account review
• CapitalOne/Costco - 2.35% MMA (min $1K, Costco members only, $60 deal for exec. members)
• Capital One - 2.10% MMA, account review
• UnivestDirect - 2.00%, (0.75% checking), account review
• Transportation Alliance Bank - 2.00%, ($25 min), account review
• E-LOAN - 1.91% ($5K min), account review
• Countrywide - 1.90% (min $10K) (2.00% for $50K+) account review
• AmTrustDirect - 1.75% ($500 min), NEW e-Money Market, account review
• iGObanking - 1.75%, Checking account review ($50 bonus)
• WaMu/Chase - 1.50% (requires checking), account review
• ETrade Bank - 1.50% Checking (min $5K) account review
• Bank of America NEA - 1.40% MMA ($500 min) (1.40% for $50K+) account review
• Bank of America DoW - 1.35% MMA (min $5K), account review
• VirtualBank - 1.01% (min $100), (2.02% $25K+, 2.28% $50K+) post ($20 bonus)
• Charles Schwab - 1.00% Checking, account review

3-Month Certificates of Deposit:

• Digital Credit Union - 3.25% (4 mo) (min $500) account review
• ebank - 3.00% (min $1K)
• Nationwide Bank - 2.50% (min $500) account review
• EverBank - 2.50% ($1.5K min) account review
• UmbrellaBank - 2.50% (min $1K) account review
• Imperial Capital - 2.50%, ($2K min), account review
• H&R Block Bank - 2.50% (min $250) account review
• UFB Direct - 2.33% (min $8K)
• GMAC Bank - 2.30% (min $500), account review
• E-LOAN - 2.00% ($10K min), account review
• VirtualBank - 1.92% (min $10K), account review
• ETrade Bank - 1.25% (min $1K), account review
• Bank of America DoW - 1.10% (min $1K) account review

6-Month Certificates of Deposit:

• Christian Community CU - 4.50% (7-mo) (min $1K) not NCUA insured (ASI only) account review
• Navy FCU - 4.00% ($10K min) restrictions to membership, account review
• America's CU - 4.00% (7-mo) (min $500), Add-On Feature, account review
• Century Bank Direct - 3.61% (5 mo) (min $1K) account review
• FirstFedDirect - 3.51% (min $10K), account review
• Flagstar - 3.46% (min $500), account review
• Imperial Capital - 3.45% ($2K min), account review
• Corus Bank - 3.45% (min $10K) account review
• Earthstar Bank - 3.45% (min $500) account review
• GMAC Bank - 3.35% (min $500), account review
• Northrop Grumman FCU - 3.32% (min $40K), account review
• ebank - 3.25% (min $1K)
• Doral Bank Direct - 3.25% (min $1K) account review
• Tennessee Commerce Bank - 3.10% (min $5K)
• State Bank of India - 3.03% (min $5K) account review
• FNBO Direct - 3.01% (min $500) account review
• Nationwide Bank - 3.00% (min $500) account review
• BankUnited - 3.00% (min $5K) account review
• EverBank - 3.00% ($1.5K min) account review
• La Jolla Bank - 3.00% (min $10K), account review
• Ascencia Bank - 2.95% (min $500), account review
• HSBC Direct - 2.75% (min $10) account review
• UmbrellaBank - 2.75% (min $1K) account review
• Excel National Bank - 2.75% (min $10K) account review
• IndyMac Federal Bank - 2.65% (min $5K) account review
• E-LOAN - 2.60% ($10K min), account review
• VirtualBank - 2.28% (min $10K), account review
• ING Direct - 2.25%, account review
• Bank of America DoW - 2.10% (min $1K) account review
• Bank of America - 2.00% (7-mo) (min $5K) account review
• Greystone Bank - 2.00% (min $50K) account review
• Citibank - 2.00% (min $500) account review
• Wachovia - 1.90% (7-mo) (min $5K) account review
• Zions Bank - 1.66% (min $1K) account review
• ETrade Bank - 1.60% (min $1K), account review
• Capital One - 1.50% (min $5K) account review
• ISN Bank - 1.26% (min $1K) account review
• AmTrustDirect - 1.00% (min $1K) account review

9-Month Certificates of Deposit:

• Christian Community CU - 4.50% (min $1K) not NCUA insured (ASI only) account review
• Century Bank Direct - 3.71% (10 mo) (min $1K) account review
• FirstFedDirect - 3.55% (min $10K) account review
• ebank - 3.30% (min $1K) account review
• Doral Bank Direct - 3.25% (min $1K) account review
• Imperial Capital - 3.25% ($2K min), account review
• GMAC Bank - 3.25% (min $500), account review
• La Jolla Bank - 3.15% (10-mo) (min $10K), account review
• Academy Bank - 3.10% (min $500), account review
• UmbrellaBank - 3.10% (min $1K) account review
• EverBank - 3.00% ($1.5K min) account review
• Millennium Bank in VA - 3.00% (min $5K) account review
• E-LOAN - 2.75% ($10K min), account review
• Indymac Federal Bank - 2.65% (min $5K) account review
• ING Direct - 2.50% account review
• Bank of Internet - 2.50% (min $1K) account review
• Fifth Third - 2.50% (min $5K), Not all states, account review
• VirtualBank - 2.28% (min $10K), account review
• WaMu/Chase - 2.00% (8 mo) (min $1K), account review
• iGobanking - 2.00% new money (min $1K) account review
• Citibank - 1.75% (min $500)
• AmTrustDirect - 1.00% (min $1K) account review

12-Month Certificates of Deposit:

• Christian Community CU - 4.50% (min $1K) not NCUA insured (ASI only) account review
• Mountain America CU - 4.00% (min $1K) account review
• GMAC Bank - 4.00% (min $500), account review
• NASA FCU - 3.90% (11 mo) ($5K min) account review
• Imperial Capital - 3.85% ($2K min), account review
• Century Bank Direct - 3.81% (15 mo) (min $1K) account review
• Credit Union of Georgia - 3.76% (min $50K), account review
• FirstFedDirect - 3.75%, (min $10K) account review
• Flagstar - 3.75% (min $500), account review
• Corus Bank - 3.75% (min $10K) account review
• Digital Credit Union - 3.75% (11 mo) (min $500) account review
• Pacific Mercantile Bank - 3.70% (min $10K) account review
• Earthstar Bank - 3.70% (min $500) account review
• Alliant Credit Union - 3.65% (min $25K) account review
• Melrose CU - 3.65% (min $5K) account review
• Tennessee Commerce Bank - 3.60% (min $5K)
• Northrop Grumman FCU - 3.51% (min $40K), account review
• ebank - 3.50% (min $1K)
• UmbrellaBank - 3.45% (min $1K) account review
• EverBank - 3.34% ($1.5K min) account review
• Bank of Internet - 3.28% (min $1K) account review
• Navy FCU - 3.25% ($20K min) restrictions to membership, account review
• ING Direct - 3.25% account review
• E-LOAN - 3.25% ($10K min), account review
• KeyDirect - 3.25% (14mo) (min $5K), 3.50% w/chk, Not all states, account review
• La Jolla Bank - 3.25% (min $10K), account review
• FNBO Direct - 3.25% (min $500) account review
• Academy Bank - 3.25% (min $500), account review
• State Bank of India - 3.24% (min $5K) account review
• Mutual Bank - 3.23% (min $2.5K) account review
• Advanta Bank - 3.10% (min $10K), account review
• Fifth Third - 3.00% (13 mo) (min $5K), Not all states, account review
• Indymac Federal Bank - 3.00% (min $5K) account review
• Ascencia Bank - 2.95% (min $500), account review
• National City Bank - 2.90% (13mo) (min $10K), req chk, not all states, account review
• Geauga Savings Bank - 2.75% (min $1K) account review
• Discover Bank - 2.75% (min $2.5K) account review
• Sun Trust - 2.40% (13-mo) (min $2K) account review
• iGobanking - 2.25% new money (15 mo) (min $500), account review
• Wachovia - 2.15% varies by state (min $5K) account review

18-Month Certificates of Deposit:

• Christian Community CU - 4.50% (min $1K) not NCUA insured (ASI only) account review
• Western FCU - 4.15% (17-mo) (min $1K) account review
• Century Bank Direct - 4.01% (20 mo) (min $1K) account review
• Dollar Savings Direct - 4.00% (16-mo) (min $1K)
• Mutual Bank - 3.80% (16-mo) (min $2.5K) account review
• Doral Bank Direct - 3.75% (min $1K) account review
• GMAC Bank - 3.70% (min $500) account review
• Alliant Credit Union - 3.65% (min $25K) account review
• Tennessee Commerce Bank - 3.65% (min $5K)
• Intervest - 3.60% (min $2.5K), account review
• Flagstar - 3.51% (min $500), account review
• UmbrellaBank - 3.50% (min $1K), account review
• USA FCU - 3.35% (min $1K) account review
• E-LOAN - 3.35% ($10K min) account review
• EverBank - 3.34% ($1.5K min) account review
• ING Direct - 3.25%, account review
• Advanta Bank - 3.25% (min $10K), account review
• Heritage Bank - 3.00% (min $5K) account review
• Nova Bank - 3.00% (min $500) account review
• Greystone Bank - 2.80% (min $50K) account review
• Discover Bank - 2.80% (min $2.5K), account review
• VirtualBank - 2.79% (min $10K), account review
• OnBank - 2.75% (min $500), account review
• Capital One - 2.75% (min $5K) account review

24-Month Certificates of Deposit:

• Christian Community CU - 5.00% (min $1K) not NCUA insured (ASI only) account review
• Consumers CU - 4.00% (22-mo) (min $250) (4.25% $100K+) account review
• Credit Union of Georgia - 3.97% (min $50K), account review
• GMAC Bank - 3.90% (min $500) account review
• 1st Source Bank - 3.85% (min $5K) account review
• Alliant Credit Union - 3.80% (min $25K) account review
• KeyDirect - 3.80% (29 mo) (min $5K), 4.05% w/chk, Not all states, account review
• Melrose CU - 3.80% (min $5K) account review
• Tennessee Commerce Bank - 3.70% (min $5K)
• Intervest - 3.64% (min $2.5K), account review
• E-LOAN - 3.55% ($10K min) account review
• Capital One - 3.50% (min $5K) (4.10% $100K+) account review
• FNBO Direct - 3.50% (min $500) account review
• Advanta Bank - 3.40% (min $10K), account review
• KeyDirect - 3.25% (min $5K), 3.50% w/chk, Not all states, account review
• State Bank of India - 3.24% (min $5K) account review
• Fifth Third - 3.15% (min $5K) not all states, account review
• Discover Bank - 3.10% (min $2.5K) account review

36-Month Certificate of Deposit:

• Christian Community CU - 5.00% (min $1K) not NCUA insured (ASI only) account review
• Pentagon Federal CU - 4.75% (min $1K), account review
• Alliant Credit Union - 4.25% (min $25K) account review
• Western FCU - 4.13% (min $40K), account review
• Melrose CU - 3.96% (min $5K) account review
• GMAC Bank - 3.90% (min $500) account review
• Flagstar - 3.81% (min $500), account review
• Tennessee Commerce Bank - 3.75% (min $5K)
• Intervest - 3.70% (min $2.5K), account review
• E-LOAN - 3.65% ($10K min) account review
• State Bank of India - 3.55% (min $5K) account review
• Advanta Bank - 3.55% (min $10K), account review
• Capital One - 3.50% (min $5K) (3.60% $100K+) account review
• Northrop Grumman FCU - 3.48% (min $40K), account review
• Discover Bank - 3.45% (min $2.5K) account review
• 1st Source Bank - 3.40% (min $500) account review
• Agriculture FCU - 3.25% (min $1K) account review
• Fifth Third - 3.25% (37 mo) (min $5K) Not all states account review
• KeyDirect - 3.25% (min $5K), 3.50% w/chk, Not all states, account review
• Bank of Internet - 3.05% (min $1K) account review
• NewDominion Bank - 3.00% (min $3K) account review

48-Month Certificate of Deposit:

• Christian Community CU - 5.00% (min $1K) not NCUA insured (ASI only) account review
• Pentagon Federal CU - 4.75% (min $1K), account review
• Western FCU - 4.54% (min $40K), account review
• Flagstar - 4.51% (min $500), account review
• Patelco CU - 4.18% ($1K min), account review
• Melrose CU - 4.11% (min $5K) account review
• USA FCU - 4.00% (min $1K) account review
• GMAC Bank - 3.90% (min $500) account review
• Tennessee Commerce Bank - 3.80% (min $5K)
• 1st Source Bank - 3.80% (min $500) account review
• E-LOAN - 3.75% ($10K min) account review
• Third Federal - 3.75% (min $500) account review
• Discover Bank - 3.75% (min $2.5K) account review
• Intervest - 3.75% (min $2.5K), account review
• Capital One - 3.75% (min $5K) (3.85% $100K+) account review
• Advanta Bank - 3.70% (min $10K), account review
• KeyDirect - 3.50% (min $5K), 3.75% w/chk, Not all states, account review
• National Bank of KC - 3.50% (min $10K) account review

60-Month Certificate of Deposit:

• Navy FCU - 5.10% ($20K min) (5.25% for $100K+) restrictions to membership, account review
• Christian Community CU - 5.00% (min $1K) not NCUA insured (ASI only) account review
• Mountain America CU - 4.75% (min $1K) account review
• Consumers CU - 4.75% (59-mo) (min $250) (5.00% $100K+) account review
• Pentagon Federal CU - 4.75% (min $1K), account review
• Apple FCU - 4.60% (min $50K) account review
• Western FCU - 4.56% (min $40K) account review
• Delta Community CU - 4.50% (min $1K) account review
• Credit Union of Georgia - 4.44% (min $50K), account review
• Melrose CU - 4.42% (min $5K) account review
• Flagstar - 4.31% (min $500), account review
• Patelco CU - 4.28% ($1K min), account review
• Telcom Credit Union - 4.25% (min $500) account review
• Mutual Bank - 4.22% (min $2.5K) account review
• GMAC Bank - 4.20% (min $500) account review
• E-LOAN - 4.15% ($10K min) account review
• 1st Source Bank - 4.10% (min $500) account review
• State Bank of India - 4.06% (min $5K) account review
• Salem Five Bank - 4.00% (min $10K), account review
• Third Federal - 4.00% (min $500) account review
• EverBank - 4.00% ($1.5K min) account review
• Discover Bank - 4.00% (min $2.5K) account review
• Intervest - 4.00% (min $2.5K), account review
• Capital One - 4.00% (min $5K) (4.10% $100K+) account review
• WaMu/Chase - 4.00% (min $1K) account review
• Agriculture FCU - 3.85% (min $1K), account review
• Advanta Bank - 3.85% (min $10K), account review
• KeyDirect - 3.75% (min $5K), 4.00% w/chk, Not all states, account review

84-Month Certificate of Deposit:

• Navy FCU - 5.10% ($20K min) (5.25% $100K+) restrictions to membership, account review
• Pentagon Federal CU - 4.75% (min $1K), account review
• Capital One/Costco - 4.55% (min $5K) account review
• Capital One - 4.50% (min $5K) (4.75% 10yr) account review
• Discover Bank - 4.25% (min $2.5K) account review
• Intervest - 4.02% (min $2.5K), account review
• KeyDirect - 3.75% (min $5K) 4.00% w/chk, Not all states, account review
• Countrywide - 2.10% (min $10K), account review
• WaMu/Chase - 2.00% (min $1K), account review

Various Deposit Account Deals

• Checking/Savings Account Bonuses
• Latest CD and Savings Account Deals with No Major Deposit Limitiations

High Yield Reward Checking Accounts - Open to All

• Reward Checking Accounts Available Nationwide

Recent CD Specials at Local Credit Unions and Banks

• 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

Bank Account Alternatives

• Money Magazine article on risk-free investments
• GE Interest Plus - 3.45% rate for $50k+
• Vanguard Prime Money Market Fund - 2.36% 7-day yield
• Fidelity Money Market Fund - 2.03% 7-day yield (reviews on Fatwallet)
• TIAA-CREF Money Market Fund - 1.78% 7-day yeild
• Paypal Money Market Fund - 1.30% 7-day yield (1% cashback debit MasterCard)
• Vanguard Tax-Exempt Money Market Fund - 1.23% 7-day yield
• Fidelity Municipal Money Market Fund - 0.89% 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)