Bank Deals Weekly Summary for December 27, 2009

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

Happy Holidays! This is a reduced version of my weekly rate recap. This was a slow banking news week, but unfortunately, there continued to be a few rate cuts. As I reported yesterday, the effect on savers of this ultra-low-interest rate environment is being noticed in the media.

Savings Account Rates

The biggest savings account rate cut this week was at Heartland Bank Direct which cut its savings account rate from 1.51% to 1.31% APY. On Tuesday I reviewed a short list of four top online savings accounts. I first came out with this list in August when all four were at 2% APY or above. The only one that is still at 2% is Alliant Credit Union. Each month Alliant reviews rates, and reports are that they'll be keeping the 2% APY through January (see review).

Rate Hikes:

1. None

Rate Drops:

1. Clear Sky Savings - 1.60% (was 1.65%)
2. Heartland Bank Direct Savings - 1.31% (was 1.51%)
3. State Farm Bank Checking - 1.25% (was 1.35%)
4. Intervest MMA - 1.25% $2.5K (was 1.30%)
5. Zions MMA - 1.25% (was 1.30%)
6. OneWest E-Money - 1.15% (was 1.25%)

Certificate of Deposit Rates

ING Direct continues to offer 2% APY on its 12-month CD. I came across an even better deal while I was updating my list of rates. Franklin Synergy Bank increased its 12-month internet eCD from 2.05% to 2.25% APY. My last report on this bank was in July when the eCD APY was 2.78%. Dollar Savings Direct continues to offer 2.25% APY on its 16-month CD.

PenFed's January CD rates will take effect next week, and according to my PenFed contact we should see some attractive long-term rates (compared with the competition). These include a 3.75% APY 5-year CD, 3.50% APY 4-year CD and a 3.25% APY 3-year CD. For those with PenFed CDs that mature in January, you'll be able to get an additional 0.25% as a renewal bonus.

Below are some of the best nationwide and local CD deals that are still active.

Best Nationwide CD Deals as of 12/27/09: Also listed are savings account promos with rate guarantee periods. The full list of nationwide CD rates is farther down.

1. 2.51% 3-mo money market/checking promo at EverBank (account review)
2. 1.50% money market with rate guaranteed to Apr 2010 at Bank of America (account review)
3. 1.77% 10-mo CD at EBSB Direct (account review)
4. 2.42% 12-mo CD at Wings Financial CU, Limited Membership (account review)
5. 2.25% 12-mo CD at Franklin Synergy Bank (account review)
6. 2.10% 12-mo CD at Alliant CU (account review)
7. 2.00% 12-mo CD at ING Direct (account review)
8. 2.25% 16-mo CD at Dollar Savings Direct (account review)
9. 2.32% 24-mo Add-On CD at Northwest FCU (account review)
10. 3.00% 30-mo CD at Indus American Bank (account review)
11. 3.00% 45-mo CD at Reliabank Dokota (account review)
12. 3.15% 48-mo CD at Hudson City Savings Bank (account review)
13. 3.65% 60-mo CD at Melrose CU (account review)
14. 3.60% 60-mo CD at Apple FCU (account review)
15. 3.53% 60-mo CD ($100K min) at Northwest FCU (account review)
16. 3.40% 60-mo CD at Hudson City Savings Bank (account review)
17. 4.16% 84-mo CD (min $175K) at USAA Bank (account review)
18. 4.00% 84-mo CD at Pentagon FCU (account review)

Best Local CD Deals as of 12/27/09: Some of the best CD deals are from banks and credit unions that don't offer accounts nationwide. Refer to the recap section and the state index section to find all the recent local deals. Here are some of the best deals to note.

1. 1.90% Savings Account (5% for 1st $1K) at OMNIBANK in TX (account review)
2. 2.12% 6-mo CD & 2.42% 12-mo CD at Wings Financial CU in MN (account review)
3. 2.00% 6-mo CD at Mutual Federal Bank in Chicago (account review)
4. 2.00% 6-mo CD at Vision Bank in Dallas (account review)
5. 3.00% 7-mo CD at NIH FCU in MD & DC - Limited Membership (account review)
6. 2.00% 9-mo CD & 2.18% 18-mo CD at United Orient Bank in NYC (account review)
7. 2.25% 12-mo & under CD at Cecil Bank in MD (account review)
8. 2.30% 16-mo Jumbo CD at Teachers FCU in NY (account review)
9. 2.75% 18-mo CD & 4% 60-mo CD at Greylock FCU in MA (account review)
10. 2.50% 18-mo No-Penalty CD at Darby Direct in GA (account review)
11. 2.50% 23-mo CD at Regions Bank in Many States (account review)
12. 3.00% 36-mo CD at State Bank of India (California) (account review)
13. 4.06% 48-mo CD & 2.50% 24-mo CD at Founders FCU in SC/NC (account review)
14. 3.50% 48-mo CD at Rollstone Bank & Trust in MA (account review)
15. 4.07% 60-mo CD at IH Mississippi Valley CU in IL & IA (account review)
16. 4.00% 60-mo CD at PFFCU in Philadelphia (account review)
17. 3.80% 60-mo & 3.29% 48-mo CD at PrimeWay FCU in Houston (account review)
18. 3.60% 60-mo Jumbo CD at CEFCU in CA & IL (account review)
19. 3.50% 60-mo CD at First Priority CU in MA (account review)

Reward Checking Accounts

I only reported on two new reward checking accounts this week. Both have rates around 3% which are a little low compared to the average reward checking account. There continues to be hundreds of reward checking accounts with rates over 3%. Many banks have cut their reward checking rates, but most rates continue to be significantly higher than online savings account rates. If you decide to open a reward checking account, you do have to be careful to meet the monthly requirements as I described in this Wednesday post.

To see all of the high yield reward checking accounts available throughout the nation, please refer to the reward checking section of DepositAccounts.com.
Recap for the Week - Links to This Week's Posts

Banking News

• NYTimes Article: At Tiny Rates, Saving Money Costs Investors
• Merry Christmas and Happy Holidays!

Savings/Checking Accounts - National

• Update on My Short List of Top Savings Accounts

CD Deals - National

• Update on the 4.07% 18-Month CD ($25K Max) at Citibank via its Secured MasterCard Program
• 2.10% 15-Month CD at Bank of Fayetteville in AR - Available Nationwide
• Why Choose CDs Instead of Reward Checking Accounts?
• Competitive 2- and 5-Year CDs at Northwest FCU - Available Nationwide

Reward Checking Accounts

• Useful Reward Checking Account Tips
• 3.04% Reward Checking Account at Old Florida National Bank in Florida - Local Only
• 3.00% Reward Checking Account at Foothill FCU in California - Local Only

CD and Money Market Deals - Local

• 3.00% 36-Month CD at State Bank of India (California) - Local Only
• 3.50% 60-Month CD at City National Bank in NJ, NY & PA - Local Only
• 2.15% Money Market Promo with Rate Guaranteed to 3/31/10 at One World Bank in Dallas - Local Only
• 2.50% 24-Month CD at First American International Bank in New York City - Local Only
• 3.00% 3-Year CD & Other Competitive CD Rates Continue at Pinnacle Bank in Florida - Local Only
• 3.75% Jumbo 60-Month CD at Coastline FCU in North Florida - Local Only
• 3.50% 48-Month CD at Rollstone Bank & Trust in MA - Local Only

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 under $100,000. Previous weekly summaries are available at this page. Quick Links: Refer to the following links for the savings accounts and CDs that interest you: Liquid Account Rates: Savings Accounts, Reward Checking, 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, 2009

Checking/Savings/Money Market Accounts:

• Reward Checking Accounts with Yields Over 5%

• EverBank - 2.51% ($5K min), 3 mo promo rate up to $50K (1.51% stnd) account review
• Incredible Bank - 2.02% Checking ($1K min) account review
• SmartyPig - 2.01% (min $25) withdrawal restrictions, account review
• Alliant Credit Union - 2.00% (min $100), account review
• Redneck/AmericaNet/Evantage Bank - 2.00% (up to $35K, 1% over) account review
• ShoreBank - 1.95%, account review
• SFGI Direct - 1.85% ($25 min), NOT accepting new customers, account review
• Peoples Bank - 1.81% ($10K min) account review
• Southern Community Bank & Trust - 1.80% ($25K min) req chk, guaranteed to 1/31/10, account review
• Discover Bank - 1.75% Savings (min $500) account review
• Alliant Credit Union - 1.75% Checking, required direct deposit, account review
• FNCB Bank - 1.75% (min $100) account review
• Wings Financial CU - 1.71% MMA ($5K min) Limited Membership, account review
• CNB Bank Direct - 1.70% account review
• Colorado Federal Savings Bank - 1.70% ($2.5K min) account review
• EBSB Direct - 1.67% (min $50K) account review
• Bank of Internet - 1.65% (min $100) account review
• Capital One/Costco - 1.65% InterestPlus Savings ($5K min) quarterly bonuses for $15K+, account review
• Bank of Internet - 1.60% MMA (min $100) account review
• Newtown Savings Bank - 1.60%, account review
• UFB Direct - 1.60%, account review
• Capital One - 1.60% InterestPlus Savings ($2.5K min) quarterly bonuses for $15K+, account review
• Clear Sky Accounts - 1.60% account review
• Bank of Internet - 1.55% Advantage Savings (min $100) account review
• Salem Five Direct - 1.55% Savings, account review
• Savings Square - 1.55%, account review
• American Express Bank - 1.50%, account review
• DollarSavingsDirect - 1.50% ($1K min) account review
• Nationwide Bank - 1.50% MMA (min $1K) account review
• Connexus CU - 1.50% MMA (min $20K) (2.00% $100K+) account review
• Delta Community CU - 1.50% MMA (min $25K) 1.75% $100K+, account review
• Bank of American Fork - 1.50% (min $1K) account review
• Danversbank - 1.50% account review
• ADB Bank - 1.50% account review
• Wilshire State Bank - 1.50%, chk required (min $500) account review
• ProvidentNJ Direct - 1.50% (min $10K) account review
• Bank of America - 1.50% MMA ($10K min), guaranteed to 4/2010, account review
• Ally/GMAC Bank - 1.50% MMA account review
• Ally Bank - 1.50% Savings account review
• First Trade Union Bank - 1.50% ($2.5K min) account review
• 1st Constitution Direct - 1.50% (min $100), 3 mo promo (1.50% $10K+ stnd) account review
• United Central Bank - 1.45% MMA (min $5K) (1.65% $75K-$300K) account review
• WTDirect - 1.41% ($10K min), account review
• AIG Bank - 1.41% MMA (min $10K) account review
• Hudson City - 1.40% (min $2.5K) account review
• Grand Yield Direct - 1.40% (min $2.5K) account review
• FNBO Direct - 1.40%, account review
• CapitalOne/Costco - 1.40% MMA (min $1K, Costco members only, $60 deal for exec. members)
• HSBC Direct - 1.35% account review
• Bank Provident Online - 1.35% (min $10) account review
• E-LOAN - 1.35% Savings Plus (min $5K) other requirements, account review
• iGObanking - 1.31%, account review
• Amboy Direct - 1.31% (min $3K) (eSavings) account review ($50 bonus)
• Heartland Bank Direct - 1.31% ($500 min), account review
• ING Direct - 1.30%, (0.25% checking), post ($25 bonus)
• Choice Financial - 1.26% (min $5K), (1.51% $25K+, 1.76% $100K) account review
• Union Federal Savings - 1.25% account review
• Presidential Bank - 1.25% (min $5K, 0.75% over $35K), account review
• UnivestDirect - 1.25%, (0.25% checking), account review
• Intervest National Bank - 1.25% MMA (min $2.5K) account review
• Zions Bank - 1.25% MMA, outside of Utah, (min $2.5K) account review
• State Farm Bank - 1.25% Checking (min $2.5K) account review
• EmigrantDirect - 1.20%, account review
• Bank of America NEA - 1.20% MMA ($500 min) (1.30% for $50K+) account review
• Capital One - 1.20% MMA, account review
• OneWest Bank - 1.15% (min $1K) account review
• Discover Bank - 1.10% MMA (min $2.5K) (1.50% $10K-$100K) account review
• Bank of Internet - 1.05% Checking (min $5K) account review
• Charles Schwab - 1.05% Savings, account review
• Citibank - 1.01% (Ultimate Savings) account review
• OneUnited - 1.01% (min $1K), account review
• Grand Yield Direct - 1.01% Checking (min $2.5K), must have the grand yield direct savings account for 30 days
• Presidential Bank - 1.00% Checking (min $1K, 0.50% over $25K), requires direct deposit, account review
• TotalBank - 1.00% (min $1K) account review
• VirtualBank - 0.75% (min $100), (1.26% $25K+, 1.41% $50K+) post ($20 bonus)
• Salem Five Direct - 0.75% Checking (0.85% $100K+), account review
• Charles Schwab - 0.75% Checking, account review
• Amegy Bank - 0.55% (min $1K) account review
• Flagstar - 0.50% MMA, account review
• ETrade Bank - 0.50%, account review
• iGObanking - 0.50% Checking, account review
• Seacoast Commerce Bank - 0.50% (min $25K) account review

3-Month Certificates of Deposit:

• Wings Financial CU - 1.86% (min $500) Limited Membership, account review
• Danversbank - 1.75% (4 mo) (min $500) account review
• TotalBank - 1.65% (min $1K) account review
• Southeast Financial FCU - 1.45% (min $500) account review
• UFB Direct - 1.22% (min $8K)
• MetLife Bank - 1.15% (min $25K) account review
• Ally Bank - 1.00% (min $0) account review
• Wilshire State Bank - 0.90% (min $1K) account review
• H&R Block Bank - 0.75% (min $5K) account review
• Consumers CU - 0.50% (min $500) account review

6-Month Certificates of Deposit:

• Wings Financial CU - 2.12% (min $500) Limited Membership, account review
• Southeast Financial FCU - 1.75% (min $500) account review
• America's CU - 1.75% (7 mo) (min $500) account review
• TotalBank - 1.65% (min $1K) account review
• Ascencia Bank - 1.51% (min $500), account review
• Jacksonville Bank - 1.50% (min $1K) account review
• La Jolla Bank - 1.50% (min $10K), account review
• Connexus CU - 1.50% (min $500) account review
• Colorado Federal Savings Bank - 1.50% ($5K min) account review
• Ally Bank - 1.40% (min $0) account review
• Century Bank Direct - 1.40% (5 mo) (min $1K) account review
• Excel National Bank - 1.38% (min $10K) account review
• Consumers CU - 1.25% (7-mo) (min $250) (1.50% $100K+) account review
• Wilshire State Bank - 1.25% (min $1K) account review
• ING Direct - 1.25% account review
• MetLife Bank - 1.25% (min $25K) account review
• E-LOAN - 1.15% ($10K min) account review

9-Month Certificates of Deposit:

• Christian Community CU - 2.25% (min $1K) not NCUA insured (ASI only) account review
• EBSB Direct - 1.77% (10-mo) (min $1K) account review
• TotalBank - 1.65% (min $1K) account review
• Century Bank Direct - 1.55% (10 mo) (min $1K) account review
• NewDominion Bank - 1.50% (min $3K) account review
• Doral Bank Direct - 1.40% (min $1K) account review
• Acacia Federal Savings Bank - 1.35% (min $500) account review
• MetLife Bank - 1.35% (min $25K) account review
• NASA FCU - 1.25% (min $5K) account review
• Ally Bank - 1.24% (min $0) No-Penalty, account review
• E-LOAN - 1.20% ($10K min) account review
• OneWest Bank - 1.20% (min $5K) account review
• Ally Bank - 1.20% (min $0) account review
• Bank of America - 0.45% (min $5K), risk-free, rates vary by state (account review)

12-Month Certificates of Deposit:

• Wings Financial CU - 2.42% (min $500) Limited Membership, account review
• Franklin Synergy Bank - 2.25% account review
• Christian Community CU - 2.25% (min $1K) not NCUA insured (ASI only) account review
• Golf Savings Bank - 2.11% (15-mo) (min $10K) account review
• Alliant Credit Union - 2.10% (min $25K) account review
• Melrose CU - 2.07% (min $5K) account review
• Self-Help CU - 2.07% (min $500) account review
• Choice Financial - 2.05% (13 mo) (min $5K) add-on feature, account review
• ING Direct - 2.00% (min $1) account review
• Jacksonville Bank - 2.00% (min $1K) account review
• Frontier Bank - 2.00% (min $50K) account review
• Southeast Financial FCU - 2.00% (min $500) account review
• America's CU - 2.00% (13-mo) (min $500) account review
• Colorado Federal Savings Bank - 2.00% ($5K min) account review
• Academy Bank - 2.00% (min $500) account review
• NewDominion Bank - 1.92% (min $3K) account review
• State Bank of India - 1.91% (min $5K) account review
• Ascencia Bank - 1.91% (min $500), account review
• Pacific Mercantile Bank - 1.91% (min $10K) account review
• Century Bank Direct - 1.90% (15-mo) (min $1K) account review
• Discover Bank - 1.85% (min $2.5K) account review
• Delta Community CU - 1.85% (min $1K) account review
• Ally Bank - 1.84% (min $0) account review
• ISN Bank - 1.82% (min $1K) account review
• La Jolla Bank - 1.80% (min $10K), account review
• Nationwide Bank - 1.80% (min $500) account review
• UFB Direct - 1.80% (min $8K)
• AIG Bank - 1.80% (min $2.5K) account review
• USAA Bank - 1.79% (15 mo) (min $1K) (2.10% $175K min) account review
• Consumers CU - 1.75% (15-mo) (min $250) (2.00% $100K+) account review
• Connexus CU - 1.75% (min $500) account review
• Wilshire State Bank - 1.75% (min $10K), liquid features, account review
• BankUnited - 1.75% (min $5K) account review
• Credit Union of Georgia - 1.71% (min $50K), account review
• Acacia Federal Savings Bank - 1.70% (min $500) account review
• Northpointe Bank - 1.70% (min $5K) account review
• Bank of Internet - 1.65% (min $1K) account review
• TotalBank - 1.65% (min $1K) account review
• MetLife Bank - 1.65% (min $25K) account review
• Equity Bank - 1.61% (min $1K) account review
• OneWest Bank - 1.55% (min $5K) account review
• Wilshire State Bank - 1.50% (min $1K) account review
• Geauga Savings Bank - 1.50% (min $1K) account review
• Fifth Third - 1.50% (13-mo) (min $5K) not all states, account review
• Tennessee Commerce Bank - 1.50% (min $5K) account review
• Northwest FCU - 1.50% (min $500) add-on, account review
• E-LOAN - 1.45% ($10K min) account review
• Amboy Direct - 1.30% Add-On (min $10K) account review
• OneWest Bank/IndyMac - 1.30% (min $5K) liquid CD, account review
• HSBC Direct - 1.25% (min $10) account review
• iGobanking - 1.00% (min $500), account review
• Seacoast Commerce Bank - 1.00% (min $10K) account review
• Bank of America DOW - 1.00% (min $1K) account review

18-Month Certificates of Deposit:

• Citibank - 4.07% (min $200) (max $25K) requires secured credit card, account review
• Pacific Mercantile Bank - 2.48% IRA-only (min $7.5K) account review
• DollarSavingsDirect - 2.25% (16-mo) (min $1K) verified by phone on 12/27 account review
• Christian Community CU - 2.25% (min $1K) not NCUA insured (ASI only) account review
• Southeast Financial FCU - 2.25% (min $500) account review
• Alliant Credit Union - 2.10% (min $25K) account review
• Century Bank Direct - 2.05% (20 mo) (min $1K) account review
• Colorado Federal Savings Bank - 2.05% ($5K min) account review
• NASA FCU - 2.00% (min $5K) account review
• Academy Bank - 2.00% (min $500) account review
• Main Street Bank - 2.00% (min $10K) account review
• Nationwide Bank - 1.97% (min $500) account review
• NewDominion Bank - 1.96% (min $3K) account review
• Discover Bank - 1.90% (min $2.5K), account review
• Northpointe Bank - 1.90% (min $5K) account review
• AIG Bank - 1.90% (min $2.5K) account review
• Ally Bank - 1.84% (min $0) account review
• Equity Bank - 1.83% (min $1K) account review
• MetLife Bank - 1.65% (min $25K) account review
• Navy FCU - 1.65% ($10K min) restrictions to membership, account review
• OneWest Bank - 1.60% (min $5K) account review
• Flagstar - 1.16% (min $500), account review

24-Month Certificates of Deposit:

• Indus American Bank - 3.00% (30 mo) (min $2K) account review
• Wings Financial CU - 2.88% (min $500) Limited Membership, account review
• Frontier Bank - 2.50% (min $50K) account review
• Pacific Mercantile Bank - 2.48% IRA-only (min $7.5K) account review
• Jacksonville Bank - 2.40% (min $1K) account review
• Southeast Financial FCU - 2.35% (min $500) account review
• Self-Help CU - 2.33% (min $500) account review
• Melrose CU - 2.32% (min $5K) account review
• Northwest FCU - 2.32% (min $500) add-on, account review
• Hudson City Bank - 2.30% (min $5K) account review
• Golf Savings Bank - 2.30% (min $10K) account review
• ISN Bank - 2.28% (min $1K) account review
• Northrop Grumman FCU - 2.28% (min $40K), account review
• State Bank of India - 2.27% (min $5K) account review
• Gateway Regional CU - 2.25% (min $1K) restrictions to membership, account review
• Discover Bank - 2.25% (min $2.5K) account review
• TriState Capital Direct - 2.25% (min $95K) account review
• America's CU - 2.25% (25 mo) (min $500) account review
• Colorado Federal Savings Bank - 2.25% ($5K min) account review
• NewDominion Bank - 2.21% (min $3K) account review
• Main Street Bank - 2.20% (min $10K) account review
• USAA Bank - 2.20% (min $1K) (2.51% $175K min) account review
• AIG Bank - 2.20% (min $2.5K) account review
• Ally Bank - 2.19% (min $0) account review
• Northpointe Bank - 2.19% (min $5K) account review
• Alliant Credit Union - 2.10% (min $25K) account review
• EverBank - 2.05% ($1.5K min) account review
• Equity Bank - 2.05% (min $1K) account review
• Broadway Federal Bank - 2.02% (min $1K) account review
• American Express Bank - 2.00% (min $0) account review
• Fifth Third - 2.00% (min $5K) not all states, account review
• Academy Bank - 2.00% (min $500) account review
• Capital One - 2.00% (min $5K) account review
• Tennessee Commerce Bank - 1.95% (min $5K) account review
• MetLife Bank - 1.90% (min $25K) account review
• Consumers CU - 1.80% (min $250) (2.05% $100K+) account review
• E-LOAN - 1.75% ($10K min) account review
• OneWest Bank/IndyMac - 1.70% (min $5K) account review
• iGobanking - 1.50% (min $500), account review
• Bank of America DOW - 1.45% (min $1K) account review
• Seacoast Commerce Bank - 1.25% (min $10K) account review

36-Month Certificate of Deposit:

• Wings Financial CU - 3.03% (min $500) Limited Membership, account review
• Melrose CU - 2.83% (min $5K) account review
• Hudson City Bank - 2.80% (min $5K) account review
• Frontier Bank - 2.80% (min $50K) account review
• BankUnited - 2.75% (min $5K) account review
• Southern Community Bank & Trust - 2.75% (min $500) account review
• Jacksonville Bank - 2.70% (min $1K) account review
• Northrop Grumman FCU - 2.68% (min $40K), account review
• Acacia Federal Savings Bank - 2.65% (min $500) account review
• State Bank of India - 2.63% (min $5K) account review
• Alliant Credit Union - 2.60% (min $25K) account review
• Discover Bank - 2.60% (min $2.5K) account review
• Nationwide Bank - 2.60% (min $500) account review
• NewDominion Bank - 2.56% (min $3K) account review
• Air Force FCU - 2.55% (min $25K) membership restrictions account review
• Dime Savings Bank - 2.50% (min $500) account review
• H&R Block Bank - 2.50% (min $250) account review
• Pentagon Federal CU - 2.50% (min $1K), account review
• AIG Bank - 2.50% (min $2.5K) account review
• Colorado Federal Savings Bank - 2.50% ($5K min) account review
• Gateway Regional CU - 2.50% (min $1K) restrictions to membership, account review
• Ally Bank - 2.49% (min $0) account review
• Intervest - 2.45% (min $2.5K), account review
• Agriculture FCU - 2.40% (min $1K) account review
• Equity Bank - 2.34% (min $1K) account review
• American Express Bank - 2.25% (min $0) account review
• Bank of Internet - 2.25% (min $1K) account review
• Tennessee Commerce Bank - 2.25% (min $5K) account review
• iGobanking - 2.15% (min $500), account review
• Goldwater Bank - 1.85% (min $50K) account review
• Flagstar - 1.50% (min $500), account review

48-Month Certificate of Deposit:

• Hudson City Bank - 3.15% (min $5K) account review
• Wings Financial CU - 3.14% (min $500) Limited Membership, account review
• Alliant Credit Union - 3.10% (min $25K) account review
• Melrose CU - 3.09% (min $5K) account review
• Acacia Federal Savings Bank - 3.00% (min $500) account review
• Frontier Bank - 3.00% (min $50K) account review
• Capital One - 3.00% (min $5K) account review
• BankUnited - 3.00% (min $5K) account review
• National Bank of KC - 2.90% (min $10K) account review
• Nationwide Bank - 2.85% (min $500) account review
• Discover Bank - 2.85% (min $2.5K) account review
• Gateway Regional CU - 2.80% (min $1K) restrictions to membership, account review
• Third Federal - 2.75% (min $500) account review
• Pentagon Federal CU - 2.75% (min $1K), account review
• USAA Bank - 2.75% (min $1K) (3.06% $175K min) account review
• Intervest - 2.75% (min $2.5K), account review
• Ally Bank - 2.74% (min $0) account review
• iGobanking - 2.70% (min $500), account review
• Golf Savings Bank - 2.70% (min $10K) account review
• Equity Bank - 2.57% (min $1K) account review
• American Express Bank - 2.50% (min $0) account review
• Tennessee Commerce Bank - 2.45% (min $5K) account review
• FNBO Direct - 2.25% (min $500) account review
• Flagstar - 1.50% (min $500), account review

60-Month Certificate of Deposit:

• Melrose CU - 3.65% (min $5K) account review
• Apple FCU - 3.60% (min $50K) account review
• Northwest FCU - 3.42% (min $25K) account review
• Acacia Federal Savings Bank - 3.40% (min $500) account review
• Hudson City Bank - 3.40% (min $5K) account review
• Wings Financial CU - 3.39% (min $500) Limited Membership, account review
• OneWest Bank/IndyMac - 3.30% (min $5K) account review
• Discover Bank - 3.30% (min $2.5K) account review
• Capital One/Costco - 3.30% (min $5K) account review
• State Bank of India - 3.29% (min $5K) account review
• Intervest - 3.27% (min $2.5K), account review
• Dime Savings Bank - 3.25% (min $500) account review
• BankUnited - 3.25% (min $5K) account review
• Connexus CU - 3.25% (min $1K) account review
• Frontier Bank - 3.25% (min $50K) account review
• Capital One - 3.25% (min $5K) account review
• NASA FCU - 3.15% (55-o) (min $5K) account review
• Nationwide Bank - 3.15% (min $500) account review
• Agriculture FCU - 3.15% (min $1K), account review
• University FCU - 3.12% (min $2.5K), account review
• Alliant Credit Union - 3.10% (min $25K) account review
• Ally Bank - 3.10% (min $0) account review
• AIG Bank - 3.05% (min $2.5K) account review
• Gateway Regional CU - 3.05% (min $1K) restrictions to membership, account review
• Patelco CU - 3.04% ($1K min), account review
• Credit Union of Georgia - 3.04% (min $50K), account review
• USAA Bank - 3.01% (min $1K) (3.32% $175K min) account review
• Mountain America CU - 3.00% (min $1K) account review
• E-LOAN - 3.00% ($10K min) account review
• US Bank - 3.00% (59 mo) (min $1K) account review
• Navy FCU - 3.00% ($20K min) (3.15% for $100K+) restrictions to membership, account review
• EverBank - 3.00% ($1.5K min) account review
• Third Federal - 3.00% (min $500) account review
• Pentagon Federal CU - 3.00% (min $1K), account review
• Colorado Federal Savings Bank - 3.00% ($5K min) account review
• American Express Bank - 2.95% (min $0) account review
• Delta Community CU - 2.85% (min $1K) account review
• Equity Bank - 2.83% (min $1K) account review
• Consumers CU - 2.80% (59-mo) (min $250) (3.05% $100K+) account review
• iGobanking - 2.80% (min $500), account review
• USA FCU - 2.53% (min $1K) account review
• FNBO Direct - 2.51% (min $500) account review
• Citibank - 2.25% (min $500) account review
• Western FCU - 2.08% (min $40K) account review
• Goldwater Bank - 1.95% (min $50K) account review
• Flagstar - 1.75% (min $500), account review
• 1st Source Bank - 1.50% (min $500) account review

84-Month Certificate of Deposit:

• Navy FCU - 4.00% ($20K min) restrictions to membership, account review
• Pentagon Federal CU - 4.00% (min $1K), account review
• USAA Bank - 3.85% (min $1K) (4.16% $175K min) account review
• Apple FCU - 3.75% (min $50K) (4.00% 10yr) account review
• Bank of America DOW - 3.67% (10-yr) (min $1K) account review
• Discover Bank - 3.45% (min $2.5K) (3.70% 10yr) account review
• Intervest - 3.31% (min $2.5K), account review
• Capital One/Costco - 3.30% (min $5K) account review
• Capital One - 3.25% (min $5K) account review
• Third Federal - 3.25% (6-yr) (min $500) account review

Various Deposit Account Deals

• Checking/Savings Account Bonuses
• Best IRA CD rates, local and nationwide deals
• 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
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Bank Account Alternatives

• GE Interest Plus - 2.20% rate for $50k+
• Vanguard Tax-Exempt Money Market Fund - 0.17% 7-day yield
• Paypal Money Market Fund - 0.07% 7-day yield (1% cashback debit MasterCard)
• Vanguard Prime Money Market Fund - 0.06% 7-day yield
• Fidelity Money Market Fund - 0.06% 7-day yield (reviews on Fatwallet)
• Fidelity Municipal Money Market Fund - 0.01% 7-day yield
• TIAA-CREF Money Market Fund - 0.01% 7-day yield
• FW Thread on Treasury Bills
• I Bonds for 2009, I Bond Article, I Bonds as CD Alternatives

Historical Rates from the Federal Reserve (Federal funds, Treasury bills, CD's)