- Capital One - 4.75% APY 48mo, 4.85% APY 60mo, 5.15% APY 84mo, 5.30% APY 120mo, Locks at time of application. You have 10 days to fund. Can be funded by check, wire or ACH. Early withdrawal penalty is 6mo interest for terms 12mo and longer. Note, rates likely to change tomorrow.
- WaMu - 4.75% APY 60mo, Locks at time of application. You have 30 days to fund. Can be funded by check, wire or ACH. See page 48 of account terms and conditions (pdf) for early withdrawal penalties.
- KeyDirect - 4.75% APY 30-47mo, 5.40% APY 84mo, 5.70% APY 120mo Locks at time of postmark of the mailed check. Early withdrawal penalty is 12mo inteest for terms of 48mo and longer (my KeyDiret review).
- Patelco CU - 4.80% APY 36-60mo, Locks at time of application. You have 10 days to fund. Can be funded by check or ACH. Early withdrawal penalty is 3mo interest on all terms (my Patelco review).
There are other CD options that may not have the best lock protections. But if you're just looking to lock in the best rates as quickly as possible, these may be good options.
[ Update 1/25/08: Alliant's CD rate just fell to 4.90% APY for the $25K min.] Alliant Credit Union is still offering 5.40% APY on terms from 12 to 24 months. I'm not sure how long it may take to join and open a CD. Readers have reported problems with the online interface. Others reported being able to join and open the CD within a couple of days (my Alliant CD review).
You might also want to look into the CDs at Pentagon Federal Credit Union which is currently offering a 5.00% APY 5-year and 5.25% APY 7-year. You can join and open a CD online immediately. (my PenFed review). Also, E-LOAN still has some decent CD rates with a 4.71% APY for 12 and 24 month terms (my E-LOAN CD review). The only option to fund is by ACH transfer, but you can apply tonight and lock in today's rate. Note, E-LOAN often changes their rates on Wednesday.
Edit 1/23/08: Added reference to WaMu terms for early withdrawal penalties.