Best Bank Account Interest Rates - Summary for August 14, 2010

Jump to section:

• Financial Health Scores for Your Bank
• Savings Account Rates
• Rate Hikes
• Rate Cuts
• Certificate of Deposit Rates
• Reward Checking Accounts
• Recap for the Week - Links to This Week's Posts
• 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
• Various Deposit Account Deals
• Bank Account Alternatives

We had yet another FOMC meeting this week in which the Fed continues to state the same line "exceptionally low levels of the federal funds rate for an extended period". For savers looking for hints of future higher rates, conditions have worsen since the last FOMC meeting. The Fed acknowledged that the economic recovery is weakening, and they announced that they intend to reinvest maturing mortgage-backed securities in longer-term Treasury securities. This is a mild move toward additional monetary stimulus.

The Fed funds futures are now showing the implied probability of a higher Fed funds target rate by December at 2.3% which is down from last Saturday when it was 2.9%. This implied probability after the June FOMC meeting was 16.8%. There was a slight change for the better in the expectations for June 2011. The implied probability for a higher rate by June 2011 is 42.6% which is up from 39.7% from last Saturday.

Yesterday was the second Friday in a row in which the FDIC only had one bank closure, and it was another small Illinois bank. The total number of banks closed this year is now up to 110.

Financial Health Scores for Your Bank

For those worried about the financial health of your bank or credit union, you might be interested in our bank health scores and financial overviews that we have here at DepositAccounts.com. For every federally insured bank and credit union in the U.S. we have a financial overview page which includes basic financial info along with a health score. This health score is based heavily on the Texas Ratio. This health score and the financial data are based off of FDIC and NCUA data. We are updating this data once a quarter after the FDIC does its quarterly updates. The FDIC will soon be coming out with their 6/30/10 bank data.

To find this financial info for your bank or credit union, just search for it in the search box on the right side. Be sure to change the search criteria from "site" to "banks". You should see your bank's name, address and web address in the results. Select the link, and you'll see our hub page for that bank. Just select the "health" tab to see the financial data and health scores.

Savings Account Rates

Two banks that used to be internet rate leaders cut their rates this week. 1st Constitution Direct had a great savings account 3-mo promo and very competitive standard rates back in 2008 and 2009. Both rates are now near the bottom of my list of top nationwide savings accounts.

We saw another cut at Acacia Federal Savings Bank. Its Top Choice Checking rate fell from 1.25% to 1.15% APY. This is the second week in a row for a rate cut. Last month, both accounts were near the top of my list with a 1.50% APY.

The cuts at these two banks highlight the problem with savings accounts. Rate leaders can fall quickly. No one wants to spend time opening a top savings account only to see it quickly fall to the bottom of the list.

Although it's impossible to know which of today's rate leaders will be the rate leaders next year, rate history provides some indication. In my list below, the two rate leaders that have a solid rate history are SmartyPig and Alliant Credit Union. The main issue with SmartyPig's savings account is that it's now limited to a $50K balance. Also, it's not a typical savings account. It has some features that can be a little bit of a hassle. I looked into some of these this week in my SmartyPig tips and warnings post. Deposits at SmartyPig reside at BBVA Compass.

The other rate leader, Alliant Credit Union, has been near the top of my savings account list for over two years. Unlike SmartyPig, there is no balance cap. Balances of $100 or more earn the top rate. It also has many features of internet banks including bank-to-bank transfers. Please refer to this review for a rate history and more details about the savings account and Alliant Credit Union.

If you just want a very simple and competitive online savings account, Sallie Mae Bank is a good choice. Its rate is close to Alliant's rate, and it has a few advantages such as no hard credit inquiry in the application process and no limit on ACH bank-to-bank transfers. The main downside is a short history. I've only been reporting on this bank since March of this year.

Rate Hikes:

1. None

Rate Cuts:

1. 1st Constitution Direct Savings Account - 1.25% promo/1.15% stnd (was 1.50%/1.25%)
2. Acacia Federal Savings Top Choice Checking - 1.15% (was 1.25%)

Certificate of Deposit Rates

One notable rate cut this week was at Ally Bank. Its 5-year CD yield fell from 2.94% to 2.80% APY in two separate cuts this week. Even though 2.94% APY wasn't the best 5-year rate, this CD has an excellent feature for savers: an early withdrawal penalty of only 60 days of interest. Most banks have penalties of 6 months for long-term CDs. It's still a good deal with a 2.80% APY. You can compare it to shorter-term CDs by factoring in the 60-day interest penalty to come up with a post penalty APY. This can be approximated with the following formula:

Post Penalty APY = (Full APY) x (D - 60) / D

D = days into term when the CD was closed.

Applying this formula to the 2.80% APY results in the following yields:

• 1.87% 6 months
• 2.34% 12 months
• 2.49% 18 months
• 2.57% 24 months
• 2.65% 36 months
• 2.68% 48 months

I have more details about Ally Bank including a link to the Ally Bank disclosure in this post.

If you can live with a 5-year CD without a mild early withdrawal penalty, Melrose Credit Union still has the best 5-year CD deal with a 3.29% APY. If you have a $175K balance, USAA Bank has the best 5-year CD deal with a 3.31% APY. They also have the best 7-year CD deal with a 3.96% APY. If that is too high of a balance, Pentagon Federal Credit Union has a 7-year CD with a 3.75% APY. This 7-year CD has a severe early withdrawal penalty of 1-year of interest (about 6x larger than Ally's penalty). However, even with the larger penalty, it becomes a better deal than Ally Bank's CD if it's closed after 4 years (see review).

Reward Checking Accounts

I reported on one new reward checking accounts this week. It's a local-only deal for those who live near the North Carolina cities of Greenville and Elizabeth City. The bank, Select Bank & Trust, is offering a 4.08% APY on balances up to $25K. I also reported on a bank's reward checking account that I first reported on in 2008. It's RCB Bank, and they have grown since my 2008 post with branches not only in Oklahoma, but also in Kansas and Arizona. RCB Bank's reward checking account has a rate of 4.10% APY on balances up to $25K.

For those who don't happen to live in areas with top reward checking accounts, you can still get 4% APY on balances of up to $25K at Danversbank which is one of the few institutions to offer their reward checking nationwide.

Can these banks continue to pay 4% APY as most online banks offer savings account rates in the low one percent range? The combination of debit card usage requirement and the $25K balance cap helps make it possible. However, if the banks attract too many customers who maintain balances near the cap and who keep their debit card purchases small, it will become more difficult for these banks to continue these high rates. I reviewed how debit card usage and account balances affect reward checking account rates in this post. I also included a poll in that post which asks readers how much they typically spend per month with their reward checking debit cards. As of 6:40pm, 60% of 25 readers have reported they spend between $10 and $100 per month. Fortunately, the average reward checking customer spends much more than this which helps the banks maintain the high rates. The poll will remain open so feel free to vote.

To find both reward checking accounts local to you and those available nationwide, please refer to the reward checking section of DepositAccounts.com.

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

Banking News/Resources

• One Illinois Bank Fails and Is Acquired by First Midwest Bank
• 10 of the Strangest Credit Union Eligibility Requirements
• Fed Statement: Economic Slowdown, Low Rates to Continue

Savings/Checking Accounts - Nationwide

• Tips and Warnings about the SmartyPig Savings Account

CD Deals - National

• Update on Connexus Credit Union's CD and Reward Checking Rates - Available Nationwide
• Top 24-Month CD Rates and HSA Rates at Stanford FCU in CA - Easy Membership

Checking/Savings Bonuses

• Checking, CD and Savings Account Promotions at Flagstar Bank
• Update on PNC's Checking Account Bonus, Virtual Wallet and Deposit Strategy

Reward Checking Accounts

• How Debit Cards and Account Balances Affect High-Yield Reward Checking
• High-Yield Reward Checking Account at Select Bank & Trust in NC - Local Only
• Top Reward Checking and 5-Year CD Rates at RCB Bank in AZ, KS & OK - Local Only

CD and Money Market Deals - Local

• Top 5-Year CD Rate at Mutual Federal Bank in Chicago - Local Only
• Competitive 5-Year CD at People's Alliance FCU in Miami & New York - Local Only
• Top Long-Term CD Rates at Education First Credit Union in Michigan - Local Only
• Special No-Penalty 9-Month CD at CFG Community Bank in MD - Local Only
• Top 3-Year and 5-Year CD Rates at Institution for Savings in MA - Local Only
• Money Market and CD Deals at Fidelity Bank in OK & KS - Local Only
• Top 5-Year and 3-Year CD and IRA CD Rates at Security Service FCU in TX & CO - Local Only
• Special 17-Month & 25-Month CD Rates at Southern Select Community Credit Union in NC - 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. 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.

As of August 14, 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) + $50 Bonus, account review
• SmartyPig - 2.15% (min $25, max $50K) withdrawal restrictions, account review
• AmericaNet/Evantage Bank - 2.00% (up to $35K, 1% over) account review
• Fort Knox FCU - 1.60% MMA (min $50K)
• Incredible Bank - 1.53% Checking ($1K min) account review
• Palladian PrivateBank - 1.50% (min $10K) account review
• Alliant Credit Union - 1.50% (min $100), account review
• Ready Saver - 1.50% account review
• NewDominion Bank - 1.40% (min $1.5K)
• Capital One/Costco - 1.40% InterestPlus Savings ($5K min) quarterly bonuses for $15K+, account review
• Sallie Mae Bank - 1.40% (Upromise rewards) account review
• Discover Bank - 1.35% Savings (min $500) account review
• Capital One - 1.35% InterestPlus Savings ($2.5K min) quarterly bonuses for $15K+, account review
• American Express Bank - 1.30%, account review
• Colorado Federal Savings Bank - 1.30% ($2.5K min) account review
• Peoples Bank - 1.30% ($10K min) account review
• Clear Sky Accounts - 1.30% account review
• Ally Bank - 1.29% MMA account review
• Acacia Federal Savings Bank - 1.25% Savings
• CNB Bank Direct - 1.25% account review
• 1st Constitution Direct - 1.25% (min $10K) New accounts only (1.15% $10K+ stnd) account review
• WTDirect - 1.21% ($10K min) account review
• DollarSavingsDirect - 1.20% ($1K min) account review
• Acacia Federal Savings Bank - 1.15% Checking (min $5K) account review

• Noteworthy Accounts - Local Only

• Georgia Primary Bank - 1.95% MMA (min $100K) in GA
• Dupaco Community CU - 1.82% ($100K-$150K) (2.32% $200K+) in IL & WI
• Mid America Bank & Trust Company - 1.75% (min $10K) in MO

3-Month Certificates of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Fort Knox FCU - 1.40% (min $500)
• iGObanking - 1.35% (min $1K) account review
• Self-Help CU - 1.01% (min $500) account review
• RiverLand CU - 1.00% (min $1K)
• Hudson City Bank - 1.00% (min $5K) account review
• Danversbank - 0.75% (4 mo) (min $500) account review

• Noteworthy Accounts - Local Only

• Self Reliance New York FCU - 1.65% (min $500) in NYC
• Atlanta Postal CU - 1.50% (min $2K) in GA
• Bank of Georgetown - 1.40% (4-mo) (min $1K) in Washington DC metro

6-Month Certificates of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Connexus CU - 1.50% Active checking required, account review
• Fort Knox FCU - 1.40% (min $500)
• Self-Help CU - 1.26% (min $500) account review
• Flagstar Direct - 1.25% (min $500) account review
• NewDominion Bank - 1.25% (min $3K) account review
• Aurora Bank FSB - 1.21% (min $1K)
• Ally Bank - 1.14%
• Discover Bank - 1.10% (min $2.5K)
• OneWest Bank - 1.10% (min $1K) account review

• Noteworthy Accounts - Local Only

• Luther Burbank Savings - 1.90% (5-mo) (min $10K) in SoCal, account review
• Self Reliance New York FCU - 1.85% (min $500) in NYC
• Industrial Credit Union - 1.65% (min $1K) in MA
• Atlanta Postal CU - 1.60% (min $2K) in GA
• Fayetteville Bank - 1.56% (min $500) (1.71% $100K+) in TX

9-Month Certificates of Deposit:

• NewDominion Bank - 1.30% (min $3K) account review
• OneWest Bank - 1.25% (min $1K) account review
• Discover Bank - 1.10% (min $2.5K)
• Hudson City Bank - 1.00% (min $5K) account review

• Noteworthy Accounts - Local Only

• Self Reliance New York FCU - 1.90% (min $500) in NYC
• Miami Postal Service CU - 1.76% (min $5K) in Miami, FL
• CFG Community Bank - 1.70% (min $500) No-Penalty in MD
• Habib American Bank - 1.50% (min $1.5K) in CA

12-Month Certificates of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Melrose CU - 1.76% (min $5K) account review
• Alliant Credit Union - 1.75% (min $25K) account review
• North American Savings Bank - 1.75% (14-mo) (min $1K)
• Connexus CU - 1.75% Active checking required, account review
• Fort Knox FCU - 1.60% (min $500)
• Franklin Synergy Bank - 1.60% (15-mo) (min $1K) account review
• Self-Help CU - 1.56% (min $500) account review
• Flagstar Direct - 1.55% (min $500) account review
• Sallie Mae Bank - 1.55% (no min) account review
• NewDominion Bank - 1.51% (min $3K) account review
• Discover Bank - 1.50% (min $2.5K) account review
• CNB Bank Direct - 1.50% (min $25K) (shown at the bank's online banking login page)
• Bank of Internet - 1.48% (min $1K) account review
• Ally Bank - 1.46% (min $0) account review
• Choice Financial - 1.45% (13 mo) (min $5K) add-on feature, account review
• Ally Bank - 1.30% (11-mo) (min $0) No-Penalty CD
• Wilshire State Bank - 1.15% (min $10K), liquid features, account review
• Northwest FCU - 1.00% (min $500) add-on, account review

• Noteworthy Accounts - Local Only

• Self Reliance New York FCU - 2.22% (min $500) in NYC
• Industrial Credit Union - 1.85% (min $1K) in MA
• Atlanta Postal CU - 1.80% (min $2K) in GA
• Progressive Credit Union - 1.76% in NYC
• Fort Knox FCU - 1.75% (14-mo) (min $500) in KY, TN & IN
• Habib American Bank - 1.75% (min $1.5K) in CA (0.25% less in NY/NJ)
• Park Sterling Bank - 1.75% (min $1K) in NC
• Atlas Savings & Loan Assoc. - 1.71% (IRA-only) (1.51% non-IRA)(min $2.5K) in NYC
• Fayetteville Bank - 1.71% (min $500) (1.87% $100K+) in TX

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
• Alliant Credit Union - 2.00% (min $25K) account review
• Fort Knox FCU - 1.80% (min $500)
• NewDominion Bank - 1.70% (min $3K) account review
• DollarSavingsDirect - 1.65% (16-mo) (min $1K)
• CNB Bank Direct - 1.65% (min $25K) (shown at the bank's online banking login page)
• Discover Bank - 1.60% (min $2.5K), account review
• Ally Bank - 1.59% (no min)
• Acacia Federal - 1.55% (min $500)
• First Savings Bank Northwest - 1.53% unlimited add-on (min $500) account review
• USAA Bank - 1.40% (min $1K) (1.75% $175K min) account review

• Noteworthy Accounts - Local Only

• Self Reliance New York FCU - 2.33% (min $500) in NYC
• Habib American Bank - 2.20% (min $1.5K) in CA (0.20% less in NY/NJ)
• Co-op Credit Union - 1.95% (min $1K) in WI
• El Paso Area Teachers FCU - 1.66% (min $50K) in TX

24-Month Certificates of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Alliant Credit Union - 2.25% (min $25K) account review
• Melrose CU - 2.02% (min $5K) account review
• NewDominion Bank - 2.00% (min $3K) account review
• Delta Community CU - 2.00% (min $1K) account review
• Fort Knox FCU - 2.00% (min $500)
• Bank of Internet - 1.89% (min $1K)
• CNB Bank Direct - 1.85% (min $25K) (shown at the bank's online banking login page)
• Ally Bank - 1.84% step-up CD
• Hudson City Bank - 1.75% (min $5K) account review
• Northwest FCU - 1.36% (min $500) add-on, account review

• Noteworthy Accounts - Local Only

• Self Reliance New York FCU - 2.69% (min $500) in NYC
• First Community Bank - 2.50% (22-mo) (min $1K) in IL
• Habib American Bank - 2.50% (min $1.5K) in CA (0.25% less in NY/NJ)
• Education First CU - 2.45% in SE Michigan
• Fort Knox FCU - 2.30% (23-mo) (min $500) in KY, TN & IN
• Montauk Credit Union - 2.15% in NYC
• Atlanta Postal CU - 2.10% (min $2K) in GA
• Atlas Savings & Loan Assoc. - 2.02% (min $2.5K) in NYC

36-Month Certificate of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Melrose CU - 2.52% (min $5K) account review
• Alliant Credit Union - 2.50% (min $25K) account review
• NewDominion Bank - 2.40% (min $3K) account review
• Acacia Federal Savings Bank - 2.40% (min $500) account review
• Fort Knox FCU - 2.40% (min $500)
• Air Force FCU - 2.35% (min $25K) membership restrictions account review
• Delta Community CU - 2.35% (min $1K) account review
• Sallie Mae Bank - 2.30% (no min) account review
• Northrop Grumman FCU - 2.26% (min $40K), account review
• Trust Bank - 2.25% (min $500) account review
• RiverLand CU - 2.25% (min $1K)
• USAA Bank - 2.25% (min $1K) (2.56% $175K min) account review
• Pentagon Federal CU - 2.25% (min $1K), account review
• Bank of Internet - 2.18% (min $1K)
• Hudson City Bank - 2.00% (min $5K) account review

• Noteworthy Accounts - Local Only

• Institution for Savings - 3.00% (min $500) in MA
• Education First CU - 3.00% in SE Michigan
• Habib American Bank - 3.00% (min $1.5K) in CA (0.25% less in NY/NJ)
• Security Service FCU - 2.75% (min $100K) in TX & CO
• Montauk Credit Union - 2.50% in NYC
• Police & Fire Credit Union - 2.50% (min $500) in PA

48-Month Certificate of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Alliant Credit Union - 3.00% (min $25K) account review
• Melrose CU - 2.78% (min $5K) account review
• Pentagon Federal CU - 2.76% (min $1K), account review
• Acacia Federal Savings Bank - 2.70% (min $500) account review
• NewDominion Bank - 2.60% (min $3K) account review
• Fort Knox FCU - 2.60% (min $500)
• Self-Help CU - 2.53% (min $500) account review
• Hudson City Bank - 2.50% (min $5K) account review
• Trust Bank - 2.50% (DreamBuilder CD with add-on) account review
• Bank of Internet - 2.41% (min $1K)

• Noteworthy Accounts - Local Only

• Education First CU - 3.30% in SE Michigan
• Bayer Heritage FCU - 3.04% (min $500) in WV, OH & SC
• LOMTO FCU - 3.00% in NYC
• Police & Fire Credit Union - 3.00% (min $500) in PA
• Montauk Credit Union - 2.75% in NYC

60-Month Certificate of Deposit:

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

• Noteworthy Accounts Available Nationwide:

• Melrose CU - 3.29% (min $5K) account review
• Northrop Grumman FCU - 3.04% (min $40K), account review
• Navy FCU - 3.00% ($20K min) restrictions to membership, account review
• Pentagon Federal CU - 3.00% (min $1K), account review
• Mountain America CU - 3.00% (min $1K) account review
• USAA Bank - 3.00% (min $1K) (3.31% $175K min) account review
• Sallie Mae Bank - 3.00% (no min) account review
• Fort Knox FCU - 3.00% (min $500)
• Connexus CU - 3.00% Active checking required, account review
• Delta Community CU - 3.00% (min $1K) account review
• Acacia Federal Savings Bank - 2.95% (min $500) account review
• Trust Bank - 2.80% (min $500) account review
• Ally Bank - 2.80% (min $0) account review
• Hudson City Bank - 2.75% (min $5K) account review
• EverBank - 2.75% ($1.5K min) account review

• Noteworthy Accounts - Local Only

• Police & Fire Credit Union - 3.50% (min $500) in PA
• Ohio Valley Community CU - 3.35% (min $1K) in OH
• Education First CU - 3.30% in SE Michigan
• Bayer Heritage FCU - 3.30% (min $500) in WV, OH & SC
• Security Service FCU - 3.25% (min $100K) in TX & CO
• Institution for Savings - 3.25% (min $500) in MA
• Montauk Credit Union - 3.25% in NYC
• LOMTO FCU - 3.25% in NYC
• Mutual Federal Bank - 3.10% (min $500) in Chicago
• West Town Savings Bank - 3.03% (min $1K) in Chicagoland
• City National Bank - 3.00% (min $500) in NY, PA, NJ

84-Month Certificate of Deposit:

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

• Pentagon Federal CU - 3.75% (min $1K), account review
• Navy FCU - 3.66% ($20K min) restrictions to membership, account review
• USAA Bank - 3.60% (min $1K) (3.96% $175K min) account review
• Discover Bank - 3.25% (min $2.5K) (3.50% 10yr) account review
• Apple FCU - 3.00% (min $500) (3.65% 10yr) account review
• Bank of America DOW - 2.86% (10-yr) (min $1K) account review

• Noteworthy Accounts - Local Only

• Montauk Credit Union - 3.75% in NYC
• Security Service FCU - 3.70% (min $100K) in TX & CO
• West Town Savings Bank - 3.29% (min $1K) in Chicagoland

Various Deposit Account Deals

• Bank Deals Forum
• Checking/Savings Account Bonuses
• Best IRA CD rates, local and nationwide deals
• Latest CD and Savings Account Deals with No Major Deposit Limitiations

Bank Account Alternatives

• Ford Interest Advantage - 1.85% rate for $50k+, Ford Interest Advantage review
• GE Interest Plus - 1.70% rate for $50k+
• Paypal Money Market Fund - 0.16% 7-day yield
• Vanguard Prime Money Market Fund - 0.13% 7-day yield
• Vanguard Tax-Exempt Money Market Fund - 0.12% 7-day yield
• Fidelity Money Market Fund - 0.09% 7-day yield (reviews on Fatwallet)
• 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 2010, I Bond Article, I Bonds as CD Alternatives

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