Bank Deals Weekly Summary for February 27, 2010

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

I'm afraid there's still no sign of higher interest rates in the near term. Bernanke gave his semiannual testimony to Congress this week. According to the Washington Post:

Federal Reserve Chairman Ben Bernanke told Congress on Wednesday that record-low interest rates are still needed to ensure that the economic recovery will last and to help cushion the sting of high unemployment.

Thomas Hoenig, the FOMC member most concerned with inflation, warned of a new possibility which could cause the Fed to keep rates low for a longer time. This WSJ article has an overview of Hoenig's interview:

Federal Reserve Bank of Kansas City President Thomas Hoenig reiterated his call for interest rates to go back to normal levels sooner rather than later, but warned that the U.S. government's budget deficit puts pressure on the Fed to keep rates low.

It seems likely that all the government spending will soon lead to high inflation and much higher interest rates, but it may not work out that way. Sol at BestCashCow described how the US could experience a long period of low rates just like Japan experienced in the last two decades.

Two bank failed on Friday which brings the year's total number of bank failures to 22. In addition to bank failures this week, there were two credit union failures. Both credit unions were tiny. This brings the year's total of credit union failures to 3.

The FDIC released its fourth quarter 2009 report on the banking industry. The number of banks on the problem list went up from 552 to 702. The FDIC keeps this list secret, but Calculated Risk Blog has an unofficial list of problem banks based on public enforcement actions. The number of banks on this list is 644.

Savings Account Rates

This was another week of rate cuts at several banks. Some of the better known internet banks to cut rates include UFB Direct, Nationwide and HSBC Advance. One of the past rate leaders, SFGI Direct, cut its savings account rate from 1.85% to 1.75% APY. SFGI Direct savings account continues to be closed to new customers.

This week I did another review of four top savings accounts that I've been tracking for the last year. In terms of rates, 3 of the 4 are no longer on the top of the list. However, one is still on top. It's Alliant Credit Union's savings account which is still at 2.00% APY, and reports are that it'll continue through March.

Rate Hikes:

1. None

Rate Cuts:

1. SFGI Direct Savings - 1.75% (was 1.85%)
2. Connexus CU MMA - 1.75% $100K (was 2.00%)
3. UFB Direct Savings - 1.45% (was 1.50%)
4. Wings Financial CU MMA - 1.41% $5K (was 1.56%)
5. Nationwide Bank - 1.40% (was 1.45%)
6. Zions Bank MMA - 1.16% (was 1.25%)
7. Univest Direct Savings - 1.15% (was 1.25%)
8. HSBC Advance Savings - 1.10% (was 1.20%)
9. E-LOAN Savings Plus - 1.05% $10K (was 1.10%)

Certificate of Deposit Rates

The best deal for a short-term CD used to be at Danversbank which had been offering a 1.75% APY 4-month CD. The rate fell to only 1.25% APY this week, and unfortunately, this is still very competitive for short-term CDs.

Northrop Grumman FCU leads the 6-month CD list with a 1.63% APY. The credit union also has some very good CD rates for longer terms but it's restricting these specials to existing members (see post).

For long-term CDs, there were a few banks that increased rates. The largest rate hike came from BankUnited which is offering a 3.25% APY 4-year CD and a 3.50% APY 5-year CD (see review).

With the new month starting on Monday, it's important to note that we may see many credit unions, such as PenFed, cutting rates.

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

Best Nationwide CD Deals as of 2/27/10: Also listed are savings account promos with rate guarantee periods. The full list of nationwide CD rates is farther down.

1. 2.25% 3-mo money market/checking promo at EverBank (account review)
2. 1.77% 10-mo CD at EBSB Direct (account review)
3. 2.10% 12-mo CD at Alliant CU (account review)
4. 2.00% 14-mo CD at Digital CU (account review)
5. 2.00% 15-mo CD at Country Bank for Savings (account review)
6. 2.30% 21-mo CD at Stonebridge Bank (account review)
7. 2.02% 24-mo Add-On CD at Northwest FCU (account review)
8. 3.00% 36-mo CD at Pentagon FCU (may change in March) account review)
9. 3.25% 48-mo CD at BankUnited (account review)
10. 3.15% 48-mo CD at Hudson City Savings Bank (account review)
11. 3.65% 60-mo CD at Melrose CU (account review)
12. 3.60% 60-mo CD at Apple FCU (account review)
13. 3.50% 60-mo CD at BankUnited (account review)
14. 3.40% 60-mo CD at Hudson City Savings Bank (account review)
15. 3.15% 60-mo Small-Penalty CD at Ally Bank (account review)
16. 4.25% IRA-only 84-mo CD at Navy FCU - Limited Membership (account review)
17. 4.06% 84-mo CD (min $175K) at USAA Bank (account review)

Best Local CD Deals as of 2/27/10: 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. 2.30% Money Market Account (min $100K) at Georgia Primary Bank in Atlanta (account review)
2. 2.02% Money Market Account at South Florida FCU (account review)
3. 2.29% 6-mo CD at American Pride Bank in GA (account review)
4. 2.00% 6-mo CD at Vision Bank in Dallas (account review)
5. 2.25% 12-mo CD at Workmen's Circle CU in Georgia (account review)
6. 2.22% 12-mo CD at Cornerstone Bank & Trust in IL (account review)
7. 2.06% 12-mo CD w/chk at Chartway FCU in VA, GA, RI, NC, TX, FL & NJ (account review)
8. 2.00% 12-mo CD at Premier American Bank, NA in Miami, FL (account review)
9. 2.01% 15-mo CD at Aspire FCU in NY, NJ, NH & VA (account review)
10. 2.18% 18-mo CD w/chk at Greater Western Bank in AZ, CO, KS, NE, SD, IA & MO (account review)
11. 2.20% 18-mo CD & 3.20% 44-mo CD at Crescent Bank & Trust in Louisiana (account review)
12. 3.00% 26-mo/49-mo CD Combo at SunTrust Bank in Several States (account review)
13. 3.35% 48-mo CD at Fidelity Bank of FL (account review)
14. 4.00% 60-mo CD at PFFCU in Philadelphia (account review)
15. 3.56% 72-mo CD at Broadway Federal Bank in Los Angeles (account review)
16. 4.25% 10-year Flex-CD at First Choice CU in Florida (account review)

Reward Checking Accounts

I reported on three new reward checking accounts this week with yields from 3% to 3.50% APY. Last Monday I reviewed my old reward checking posts and identified five reward checking accounts that are still paying at least 5% APY after more than a year. Unfortunately, these all are local deals. The best nationwide reward checking account yields top out at around 4% APY.

The best reward checking accounts are offered by small banks and credit unions. There are a few sizable banks offering reward checking, but as I showed today, rates tend to be lower.

To see all of the high yield reward checking accounts available throughout the nation, please refer to the reward checking section of DepositAccounts.com.

Don't Forget to Check the Notices Section

As I mentioned before, lots of my posts are now in the Notices Section. Notices are very short posts that are intended to alert you to rate changes or point you to some interesting banking news or deals on the web. This allows me to post more often on news and deals. I'll continue the blog posts in the same format that you're used to. You can get to the Notices Section from the top menu. You can also see the recent Notices on the front page. Just select the Notices tab which is next to the Blog Posts tab. If you want to subscribe to both blog posts and Notices, just click on the RSS icon at the top of either the Blog or Notices section.

Recap for the Week - Links to This Week's Posts

Banking News

• Two Banks and One Credit Union Were Closed Today
• FDIC's Fourth Quarter 2009 Report - Number of Problem Banks Increased to 702
• My Experiences with Mint.com for Bank Account Tracking

CD Deals - National

• Top CD Rates (with Some Limitations) at Northrop Grumman FCU - Easy Membership
• 3.25% 4-Year CD at BankUnited in Florida - Available Nationwide

Savings/Checking Accounts - Nationwide

• The Best Savings Account with a History of Top Rates
• Update on ETrade Bank and the Transfer of Customers' Savings Accounts

Checking/Savings Bonuses

• Checking Account Bonus of up to $100 at Webster Bank in NY, MA, RI and CT - Local Only

Reward Checking Accounts

• Review of the Largest Banks Offering Reward Checking Accounts
• High-Yield Reward Checking and Savings Accounts at CommerceWest Bank in California - Local Only
• Reward Checking and Savings Account at Murphy-Wall State Bank and Trust in Illinois - IL Only
• Reward Checking Accounts with a History of Rates over 5.00%
• 3.01% Reward Checking and a $100 Bonus at Home Federal Bank in ID & OR - Local Only

CD and Money Market Deals - Local

• 2.50% 12-Month Jumbo CD at Sharonview FCU in NJ, SC & NC - Limited Membership
• 2.00% 15-Month CD at Southbridge Savings Bank in MA - Local Only
• 3.25% 4-Year CD at Bogota Savings Bank in New Jersey - Local Only
• 2.00% 13-Month CD Special at CheckSpring Bank in NYC - Local Only
• 2.32% 24-Month CD at American Bank of Commerce in TX & CO - Local Only
• CD Special, Checking Bonus & Financial Review of AnchorBank in WI - Local Only
• 2.29% 6-Month CD at American Pride Bank in Georgia - Local Only
• 2.35% 24-Month CD at Broward Bank of Commerce in FL - Local Only
• 2.30% 18-Month CD at 1st Mariner Bank in Maryland
• 2.05% 30-Month No-Penalty CD at Superior Bank in St. Louis - Local Only
• 2.02% 12-Month CD & 2.53% 24-Month CD at Park Cities Bank in Dallas/Fort Worth - Local Only
• CD Specials and News of Name Change at Flushing Bank in New York - 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 February 27, 2010

Checking/Savings/Money Market Accounts:

• Best Reward Checking Account Rates (Nationwide & by State)
• Best Savings Account Rates (Nationwide & by State)
• Best Money Market Rates (Nationwide & by State)
• Best Checking Account Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• EverBank - 2.25% ($5K min), 3 mo promo rate up to $50K (1.26% stnd) account review
• SmartyPig - 2.01% (min $25) withdrawal restrictions, account review
• Ready Saver - 2.00% (NC state excluded) account review
• Redneck/AmericaNet/Evantage Bank - 2.00% (up to $35K, 1% over) account review
• Alliant Credit Union - 2.00% (min $100), account review
• Alliant Credit Union - 1.75% Checking, required direct deposit, account review
• SFGI Direct - 1.75% ($25 min), NOT accepting new customers, account review
• Incredible Bank - 1.74% Checking ($1K min) account review
• Palladian PrivateBank - 1.70% (min $10K) account review
• EBSB Direct - 1.67% (min $50K) account review
• Peoples Bank - 1.60% ($10K min) account review
• Newtown Savings Bank - 1.60%, account review
• Clear Sky Accounts - 1.55% account review
• Capital One/Costco - 1.50% InterestPlus Savings ($5K min) quarterly bonuses for $15K+, account review
• First Trade Union Bank - 1.50% ($2.5K min) account review
• ProvidentNJ Direct - 1.50% (min $10K) account review
• Danversbank - 1.50% account review
• American Express Bank - 1.50%, account review
• Bank of Internet - 1.50% (min $100) account review
• Savings Square - 1.45%, account review
• Capital One - 1.45% InterestPlus Savings ($2.5K min) quarterly bonuses for $15K+, account review
• Bank of Internet - 1.45% MMA (min $100) account review
• UFB Direct - 1.45%, account review
• Wings Financial CU - 1.41% MMA ($5K min) Limited Membership, account review
• Colorado Federal Savings Bank - 1.40% ($2.5K min) account review
• Grand Yield Direct - 1.40% (min $2.5K) account review
• Hudson City - 1.40% (min $2.5K) account review
• Delta Community CU - 1.40% MMA (min $25K) 1.65% $100K+, account review
• ADB Bank - 1.40% account review
• Bank of Internet - 1.40% Advantage Savings (min $100) account review
• DollarSavingsDirect - 1.40% ($1K min) account review
• Nationwide Bank - 1.40% MMA (min $1K) account review
• Ally Bank - 1.39% Savings account review
• Ally Bank - 1.39% MMA account review
• CNB Bank Direct - 1.35% account review
• Discover Bank - 1.35% Savings (min $500) account review
• CapitalOne/Costco - 1.35% MMA (min $1K, Costco members only, $60 deal for exec. members)
• iGObanking - 1.31%, account review
• Bank of American Fork - 1.30% (min $1K) account review
• WTDirect - 1.26% ($10K min), account review
• AIG Bank - 1.26% MMA (min $10K) account review
• Choice Financial - 1.26% (min $5K), (1.51% $25K+, 1.61% $100K) account review
• FNBO Direct - 1.25%, account review
• 1st Constitution Direct - 1.25% (min $100), 3 mo promo (1.25% $10K+ stnd) account review
• FNCB Bank - 1.25% (min $100) account review
• Presidential Bank - 1.25% (min $5K, 0.75% over $35K), account review
• Bank Provident Online - 1.25% (min $10) account review
• Wilshire State Bank - 1.25%, chk required (min $500) account review
• OneWest Bank - 1.25% (min $1K) account review
• Salem Five Direct - 1.25% Savings, account review
• Connexus CU - 1.25% MMA (min $20K) (1.75% $100K+) account review
• United Central Bank - 1.21% MMA (min $5K) (1.35% $75K-$150K) account review
• Zions Bank - 1.16% MMA, outside of Utah, (min $2.5K) account review
• ING Direct - 1.15%, (0.25% checking), post ($25 bonus)
• Capital One - 1.15% MMA, account review
• Union Federal Savings - 1.15% account review
• State Farm Bank - 1.15% Checking (min $2.5K) account review
• UnivestDirect - 1.15%, (0.25% checking), account review
• Intervest National Bank - 1.13% MMA (min $2.5K) account review
• EmigrantDirect - 1.10%, account review
• HSBC Advance - 1.10% account review
• E-LOAN - 1.05% Savings Plus (min $10K) other requirements, account review
• Discover Bank - 1.00% MMA (min $2.5K) (1.40% $10K-$100K, 1.50% $100K+) account review

3-Month Certificates of Deposit:

• Best 3-Month CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Danversbank - 1.25% (4 mo) (min $500) account review
• Southeast Financial FCU - 1.10% (min $500) account review
• TotalBank - 1.10% (min $1K) account review
• Palladian PrivateBank - 1.00% (min $10K) account review
• UFB Direct - 0.75% (min $8K)
• MetLife Bank - 0.40% (min $25K) account review

6-Month Certificates of Deposit:

• Best 6-Month CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Northrop Grumman FCU - 1.63% (min $40K), account review
• Southeast Financial FCU - 1.60% (min $500) account review
• Country Bank for Savings - 1.60% (min $500) account review
• Connexus CU - 1.50% (min $500) account review
• Palladian PrivateBank - 1.40% (min $10K) account review
• Jacksonville Bank - 1.40% (min $1K) account review
• State Bank of India - 1.36% (min $5K) account review
• UFB Direct - 1.33% (min $8K)
• Excel National Bank - 1.31% (min $10K) account review
• Century Bank Direct - 1.25% (5 mo) (min $1K) account review
• Ascencia Bank - 1.25% (min $500), account review
• Ally Bank - 1.24% (min $0) account review
• Colorado Federal Savings Bank - 1.20% ($5K min) account review
• ING Direct - 1.00%, account review
• MetLife Bank - 0.55% (min $25K) account review

9-Month Certificates of Deposit:

• EBSB Direct - 1.77% (10-mo) (min $1K) account review
• AmTrust Direct - 1.55% (min $1K) account review
• Century Bank Direct - 1.50% (10 mo) (min $1K) account review
• Doral Bank Direct - 1.40% (min $1K) account review
• OneWest Bank - 1.40% (min $5K) account review
• Acacia Federal Savings Bank - 1.35% (min $500) account review
• NewDominion Bank - 1.31% (min $3K) account review
• Ally Bank - 1.09% (min $0) No-Penalty, account review
• MetLife Bank - 0.65% (min $25K) account review

12-Month Certificates of Deposit:

• Best One-Year CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Alliant Credit Union - 2.10% (min $25K) account review
• Melrose CU - 2.07% (min $5K) account review
• Country Bank for Savings - 2.00% (15-mo) (min $500) account review
• Southeast Financial FCU - 2.00% (min $500) account review
• Digital CU - 2.00% (14-mo) (min $500) account review
• First City Bank - 2.00% (min $1K) account review
• Palladian PrivateBank - 1.90% (min $10K) account review
• Golf Savings Bank - 1.90% (15-mo) (min $10K) account review
• Franklin Synergy Bank - 1.90% (min $1K) account review
• Northrop Grumman FCU - 1.87% (min $40K), account review
• Choice Financial - 1.85% (13 mo) (min $5K) add-on feature, account review
• Self-Help CU - 1.82% (min $500) account review
• Stonebridge Bank - 1.80% (14-mo) (min $500) account review
• Delta Community CU - 1.80% (min $1K) account review
• Connexus CU - 1.75% (min $500) account review
• AmTrust Direct - 1.70% (min $1K) account review
• Acacia Federal Savings Bank - 1.70% (min $500) account review
• Century Bank Direct - 1.70% (15-mo) (min $1K) account review
• Academy Bank - 1.70% (min $500) account review
• NewDominion Bank - 1.67% (min $3K) account review
• State Bank of India - 1.66% (min $5K) account review
• Jacksonville Bank - 1.65% (min $1K) account review
• USAA Bank - 1.65% (15-mo) (min $1K) (1.96% $175K min) account review
• Discover Bank - 1.60% (min $2.5K) account review
• BankUnited - 1.60% (min $5K) account review
• Ally Bank - 1.59% (min $0) account review
• Colorado Federal Savings Bank - 1.55% ($5K min) account review
• Northwest FCU - 1.52% (min $500) add-on, account review
• Ascencia Bank - 1.50% (min $500), account review
• Geauga Savings Bank - 1.45% (min $1K) account review
• UFB Direct - 1.45% (min $8K)
• Bank of Internet - 1.40% (min $1K) account review
• Wilshire State Bank - 1.40% (min $10K), liquid features, account review
• Fifth Third - 1.35% (13-mo) (min $5K) not all states, account review
• ING Direct - 1.25% (min $1) account review
• Consumers CU - 1.25% (15-mo) (min $250) (1.50% $100K+) account review
• Amboy Direct - 1.10% Add-On (min $10K) account review
• HSBC Advance - 1.01% (min $10) account review

18-Month Certificates of Deposit:

• Best 18-Month CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Citibank - 4.07% (min $200) (max $5K) requires secured credit card, account review
• Stonebridge Bank - 2.30% (21-mo) (min $500) account review
• Southeast Financial FCU - 2.11% (min $500) account review
• Alliant Credit Union - 2.10% (min $25K) account review
• Pacific Mercantile Bank - 2.02% IRA-only (min $7.5K) account review
• AmTrust Direct - 1.95% (min $1K) account review
• Century Bank Direct - 1.90% (20 mo) (min $1K) account review
• Discover Bank - 1.80% (min $2.5K), account review
• Academy Bank - 1.80% (min $500) account review
• NewDominion Bank - 1.76% (min $3K) account review
• Ally Bank - 1.73% (min $0) account review
• Colorado Federal Savings Bank - 1.65% ($5K min) account review
• DollarSavingsDirect - 1.65% (16-mo) (min $1K) verified by phone on 2/27 account review
• Nationwide Bank - 1.60% (min $500) account review

24-Month Certificates of Deposit:

• Best Two-Year CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Wings Financial CU - 2.52% (min $500) Limited Membership, account review
• Melrose CU - 2.32% (min $5K) account review
• Atlantic Coast Bank - 2.30% account review
• Hudson City Bank - 2.30% (min $5K) account review
• Country Bank for Savings - 2.25% (min $500) account review
• America's CU - 2.25% (29 mo) (min $500) account review
• Gateway Regional CU - 2.25% (min $1K) restrictions to membership, account review
• Southeast Financial FCU - 2.25% (min $500) account review
• Golf Savings Bank - 2.20% (min $10K) account review
• State Bank of India - 2.17% (min $5K) account review
• Northrop Grumman FCU - 2.15% (min $40K), account review
• AmTrust Direct - 2.15% (min $1K) account review
• Discover Bank - 2.15% (min $2.5K) account review
• NewDominion Bank - 2.11% (min $3K) account review
• Jacksonville Bank - 2.10% (min $1K) account review
• Tennessee Commerce Bank - 2.10% (min $5K) account review
• Self-Help CU - 2.07% (min $500) account review
• Northpointe Bank - 2.07% (min $5K) account review
• ISN Bank - 2.06% (min $1K) account review
• USAA Bank - 2.05% (min $1K) (2.36% $175K min) account review
• Ally Bank - 2.04% (min $0) Bump-Up, account review
• Broadway Federal Bank - 2.02% (min $1K) account review
• Northwest FCU - 2.02% (min $500) add-on, account review
• AIG Bank - 2.01% (min $2.5K) account review
• American Express Bank - 2.00% (min $0) account review
• Main Street Bank - 2.00% (min $10K) account review
• Equity Bank - 1.99% (min $1K) account review

36-Month Certificate of Deposit:

• Best 3-Year CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Wings Financial CU - 3.03% (min $500) Limited Membership, account review
• Pentagon Federal CU - 3.00% (min $1K), account review
• Melrose CU - 2.83% (min $5K) account review
• Hudson City Bank - 2.80% (min $5K) account review
• EBSB Direct - 2.75% (min $1K) account review
• BankUnited - 2.75% (min $5K) account review
• Atlantic Coast Bank - 2.70% account review
• Acacia Federal Savings Bank - 2.65% (min $500) account review
• iGobanking - 2.60% (min $500), account review
• Alliant Credit Union - 2.60% (min $25K) account review
• Northrop Grumman FCU - 2.56% (min $40K), account review
• Air Force FCU - 2.55% (min $25K) membership restrictions account review
• State Bank of India - 2.52% (min $5K) account review
• NewDominion Bank - 2.51% (min $3K) account review
• Discover Bank - 2.50% (min $2.5K) account review
• Agriculture FCU - 2.50% (min $1K) account review
• Ally Bank - 2.49% (min $0) account review
• Jacksonville Bank - 2.40% (min $1K) account review
• Nationwide Bank - 2.40% (min $500) account review

48-Month Certificate of Deposit:

• Best 4-Year CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• BankUnited - 3.25% (min $5K) account review
• Pentagon Federal CU - 3.25% (min $1K), account review
• 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
• Apple FCU - 3.00% (min $500) account review
• Acacia Federal Savings Bank - 3.00% (min $500) account review
• National Bank of KC - 2.98% (min $10K) account review
• Gateway Regional CU - 2.80% (min $1K) restrictions to membership, account review
• USAA Bank - 2.75% (min $1K) (3.06% $175K min) account review
• Third Federal - 2.75% (min $500) account review
• Ally Bank - 2.74% (min $0) account review
• Discover Bank - 2.65% (min $2.5K) account review
• Capital One - 2.50% (min $5K) account review

60-Month Certificate of Deposit:

• Best 5-Year CD Rates (Nationwide & by State)

• Noteworthy Accounts Available Nationwide:

• Melrose CU - 3.65% (min $5K) account review
• Apple FCU - 3.60% (min $50K) account review
• BankUnited - 3.50% (min $5K) account review
• Pentagon Federal CU - 3.50% (min $1K), account review
• EverBank - 3.47% ($1.5K min) account review
• Hudson City Bank - 3.40% (min $5K) account review
• Wings Financial CU - 3.39% (min $500) Limited Membership, account review
• US Bank - 3.35% (59 mo) (min $1K) account review
• Acacia Federal Savings Bank - 3.30% (min $500) account review
• OneWest Bank - 3.30% (min $5K) account review
• Agriculture FCU - 3.30% (min $1K), account review
• Northwest FCU - 3.30% (min $25K) account review
• State Bank of India - 3.29% (min $5K) account review
• Connexus CU - 3.25% (min $1K) account review
• Dime Savings Bank - 3.25% (min $500) account review
• iGobanking - 3.25% (min $500), account review
• Discover Bank - 3.20% (min $2.5K) account review
• Mountain America CU - 3.20% (min $1K) account review
• Ally Bank - 3.15% (min $0) account review
• Intervest - 3.10% (min $2.5K), account review
• USAA Bank - 3.10% (min $1K) (3.41% $175K min) account review
• Capital One/Costco - 3.05% (min $5K) account review
• Gateway Regional CU - 3.05% (min $1K) restrictions to membership, account review
• Patelco CU - 3.04% ($1K min), account review
• Capital One - 3.00% (min $5K) account review
• Chase Bank - 3.00% (min $10K)

84-Month Certificate of Deposit:

• Navy FCU - 4.25% IRA-only ($20K min) restrictions to membership, account review
• Navy FCU - 4.00% ($20K min) restrictions to membership, account review
• USAA Bank - 3.75% (min $1K) (4.06% $175K min) account review
• Apple FCU - 3.75% (min $50K) (4.00% 10yr) account review
• Pentagon Federal CU - 3.75% (min $1K), account review
• Bank of America DOW - 3.61% (10-yr) (min $1K) account review
• Discover Bank - 3.40% (min $2.5K) (3.70% 10yr) account review
• Capital One/Costco - 3.30% (min $5K) account review
• Third Federal - 3.25% (6-yr) (min $500) account review
• Capital One - 3.25% (min $5K) account review
• Intervest - 3.20% (min $2.5K), 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

• Best Deals and CD Rates by State

Bank Account Alternatives

• GE Interest Plus - 1.90% rate for $50k+
• Vanguard Tax-Exempt Money Market Fund - 0.11% 7-day yield
• Paypal Money Market Fund - 0.05% 7-day yield (1% cashback debit MasterCard)
• Fidelity Money Market Fund - 0.01% 7-day yield (reviews on Fatwallet)
• Vanguard Prime Money Market Fund - 0.01% 7-day yield
• Fidelity Municipal Money Market Fund - 0.01% 7-day yield
• TIAA-CREF Money Market Fund - 0.00% 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)