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The Best CD Rates in August 2020

Written by Lauren Perez and Ken Tumin

Editorial note: Any opinions, analyses, statements, reviews or recommendations expressed in this article are those of the authors' alone, and have not been reviewed, approved or otherwise endorsed by any provider of the products listed below.

With their more structured approach to savings, certificates of deposit (CDs) are great for saving towards more long-term goals. Not only that, but CDs can offer much more competitive rates than your typical savings account. On average, 12-month CD rates have spiked 0.26 percentage points since Dec. 2015. Average savings account rates, on the other hand, have seen an increase of only 0.02 percentage points.

However, average CD rates are now back on the decline. The average 12-month CD rate in June 2020 is 0.54%, compared to 1.20% back in March.

Still, the industry’s rate leaders continue to offer some top-notch CD rates, which you’ll find below.

All rates are current as of 8/07/2020

The best national CD rates from our partners

How we found the best CD rates offered nationwide

To take advantage of these promising rate hikes, check out the best CD rates offered by some of our partners below.

To find the best CD rates, we chose those who offered the highest CD rates on 1-year accounts nationwide. We also looked at the minimum deposit each bank requires to open an account to ensure wider availability to customers. We then took each bank’s early withdrawal penalty policies into account.

#1 Pen Air Federal Credit Union

Pen Air Federal Credit Union offers a handful of competitive Certificates, including its 12-month Certificate. It requires at least $500 to open and earn interest at its top rate here. The penalty for early withdrawal equals 180 days worth of interest.

Founded in 1936, Pen Air is based in Florida, and has locations there and in Alabama. The credit union also offers several more banking, borrowing and investing products for individuals and businesses. Membership is open to active duty or retired military, civil service employees, employees of select employer groups and family members of these eligible individuals.

1.10% APY

TERM: 12 months


Learn More

#2 Marcus by Goldman Sachs

Marcus by Goldman Sachs is the online banking arm of the investment bank. It jumps to the top of our list this month for boosting its CD rates while its competitors’s rates continue to drop. Marcus CD rates start to get competitive with its 1-year term, earning 1.10% annual percentage yield (accurate as of 7/9/2020), reaching all the way to a competitive 6-year term. Marcus’ High Yield CDs require a $500 minimum deposit requirement.

The Marcus 12-month High Yield CD assesses the biggest early withdrawal penalty on this list, charging 270 days’ worth of interest. However, you can also find three No-Penalty CDs at Marcus, with equally competitive rates, that allow you to avoid a big charge on early withdrawals.

1.00% APY

TERM: 12 months


Learn More

#3 Ally Bank

Ally Bank High Yield CDs offer consistently high rates on its longer-term accounts, including its 12-month CD. Ally offers seven CD accounts ranging from three months to five years. The bank’s CDs rank well thanks to the $0 minimum deposit, as well, which allows just about anyone to open an Ally Bank CD with any amount of funds.

In addition to its High Yield CDs, Ally Bank offers two more types of high-yield, no minimum CDs. The 2- and 4-year Raise Your Rate CDs give you the chance to snag a higher rate just in case rates increase during your term. The No Penalty CD allows for withdrawals during the 11-month term without triggering a penalty.

A consistent winner in online bank and interest rate roundups, Ally Bank was originally GMAC, the financing division of GM back in 1919. It became the online Ally Bank in 2009.

1.00% APY

TERM: 12 months


Learn More

#4 Discover

If you only know Discover for its credit cards, now’s not the time to miss out on its range of Online Banking products. This includes a range of CDs from 3-month to 10-year terms. Generally, the longer the term, the higher the interest rate. It 12-month term especially offers a competitive rate consistent with the bank’s industry peers.

Of course, watch out for early withdrawal penalties, which also increase with longer terms. The penalty for a withdrawal from a 12-month CD equals six months’ interest.

0.90% APY

TERMS: 12 months

MIN TO EARN: $2,500

Learn More

#5 Citizens Access

Citizens Access, the online offshoot of Citizens Bank, offers higher rates than its brick-and-mortar counterpart. This includes its Online CD accounts, where its 1-year CD earns at an exceptionally competitive rate. It requires at least $5,000 to open and start saving. Interest is compounded daily on Citizens Access CDs.

Making withdrawal before maturity on a 1-year CD will trigger a penalty of 90 days interest on the amount withdrawn. Plus, you must withdraw the full amount and close the account.

0.85% APY

TERM: 12 months

MIN TO EARN: $5,000

Learn More

The best institutions for CD investors

Ken's methodology for choosing the best institution for CD investors

I decided to make this list different than the bi-weekly CD summary or the CD tables which just list the top rates by term. Instead of listing the best CD rates as of today, I decided it would be more useful to list the best institutions for CD investors. These are the institutions that may not be offering the highest CD rates today, but based on their history, they are most likely to be offering the best CD rates over the long run. This increases the odds that you’ll want to stay with the institution when your CDs mature.

There are more factors to consider than rates when choosing the best institutions for CD investors. Early withdrawal penalties (EWPs) should be a very important consideration. Not only are EWPs important if you need early access to the principal, but they’re important in changing interest rate environments. If interest rates should ever start to rise at a fast pace, small EWPs will allow CD investors to move their money to higher-rate CDs.

A bank or credit union may offer the highest rates with the lowest EWPs, but you may not be able to take advantage of the CDs if the institution doesn’t offer features that you need such as the ability to make regular interest payments or offering trust accounts.

Some features may not be deal breakers, but they can save you time and money. A feature that aids in CD management, such as online software that allows you to add, change or remove beneficiaries, can save you time from having to mail in a form. A feature that allows you to receive CD funds via ACH can avoid the possibility of losing a check in the mail or losing interest while you wait for the check.

The following five picks take into account multiple CD features in addition to the institutions’ CD rate history and EWPs. The institutions that scored high on all three are the ones that made the list. You may be able to find a higher CD rate today at another institution, but that may not be the best choice for today or for your future CDs.

#1 First Internet Bank

First Internet Bank ranks high on my list of institutions with the best CDs due to its long history of offering top rates on terms from three months to 60 months. This is important for those who plan to use the bank for CD ladders over the long run.

In addition to competitive rates, First Internet Bank makes it easy to open, close and manage CD accounts. CDs can be opened online and funded with an ACH electronic transfer.

Interest can be paid out monthly instead of being added back to the CD. One partial early withdrawal of principal is allowed without the CD account being closed. An early withdrawal penalty applies on the amount withdrawn.

At maturity, there’s a 10-day grace period which is a typical length. When the CD is closed, the funds can be received by check or wire transfer. An ACH transfer is currently not an option which is a shortcoming. An internal transfer to a checking, savings or money market account is also an option.

The early withdrawal penalties (EWPs) of First Internet Bank CDs are on the high side which is a shortcoming. As examples, the 12-month CD EWP is 180 days of interest, and the 60-month CD EWP is 360 days of interest.

One or more beneficiaries can be designated on CD accounts, and social security numbers are not required for the beneficiaries. CD can also be opened as a trust account.

IRA CDs are available with the same rates and terms as the regular CDs.

0.30% - 1.26% APY

TERMS: 3 months - 60 months

MIN TO EARN: $1,000

Learn More

#2 Colorado Federal Savings Bank

Colorado Federal Savings Bank ranks high on my list of institutions with the best CDs due to its long history of offering top rates on terms from one month to 60 months. This is important for those who plan to use the bank for CD ladders over the long run.

In addition to competitive rates, Colorado Federal Savings Bank makes it easy to open, close and manage CD accounts. CDs must be opened online and funded with an ACH electronic transfer or internal transfer. Checks and wire transfers are not accepted.

Interest can be paid out monthly instead of being added back to the CD. Partial early withdrawals of principal are allowed without the CD account being closed. An early withdrawal penalty applies on the amount withdrawn.

At maturity, there’s a 10-day grace period which is a typical length. When the CD is closed, the funds will be sent by an ACH electronic transfer to the original external account that was used to fund the CD. Colorado Federal Savings Bank does not issue checks when accounts are closed. This lack of flexibility of funding a CD and receiving the funds from a CD is a slight shortcoming.

Another strong point of the CDs is early withdrawal penalties (EWPs) that are on the low side. As examples, the 12-month CD EWP is three months of interest, and the 60-month CD EWP is six months of interest.

Up to five payable-on-death (POD) beneficiaries can be designated on CD accounts. Social security number of the beneficiaries are required. CDs cannot be opened as trust accounts.

IRA CDs are not available.

0.04% - 1.15% APY

TERMS: 1 month - 60 months

MIN TO EARN: $5,000

Learn More

#3 Connexus Credit Union

Connexus Credit Union ranks high on my list of institutions with the best CDs due to its long history of offering top rates on terms from 12 to 60 months. This is important for those who plan to use the credit union for CD ladders over the long run.

In addition to competitive rates, Connexus makes it easy to open, close and manage Certificate accounts. Certificates can be opened online and funded with an ACH electronic transfer, a wire transfer, or a check.

Interest can be paid out quarterly instead of being added back to the Certificate. Partial early withdrawals of principal are allowed. Early withdrawal penalty will apply only on the amount withdrawn.

At maturity, there’s a 10-day grace period which is a typical length. When the Certificate is closed, a check can be issued at no charge or funds can be transferred into another Connexus account. An outgoing ACH transfer is possible, but there are significant dollar limits and fees.

The early withdrawal penalties (EWP) of Connexus 60-month Certificate is on the high side which is a shortcoming. The 60-month Certificate EWP is 365 days of interest. However, the EWP for the 12-month Certificate is 90 days of interest, which is on the low side. Certificates with terms between 12 months and 60 months have an EWP of 180 days of interest, which is neither low nor high.

One or more beneficiaries can be designated on Certificate accounts, and social security numbers are not required for the beneficiaries. Certificates can also be opened as trust accounts.

IRA Certificates are available with the same rates and terms as the Share Certificates.

1.01% - 1.56% APY

TERMS: 12 months - 60 months

MIN TO EARN: $5,000

Learn More

#4 Ally Bank

Ally Bank ranks high on my list of institutions with the best CDs due to its long history of offering competitive rates on terms from 12 to 60 months. This is important for those who plan to use the bank for CD ladders over the long run. CDs with terms of three, six and nine months are also available, but these rates have been less competitive than the longer-term CDs.

Ally Bank also offers non-standard CDs which include an 11-month No Penalty CD and the 24-month and 48-month Raise Your Rate CDs. The 11-month No Penalty CD allows customers to obtain rates higher than savings accounts with much more liquidity than standard CDs.

In addition to competitive rates, Ally Bank makes it easy to open, close and manage CD accounts. This can be done by phone or by online software.

CDs can be opened online, by phone, or by mail. CDs can be funded by an ACH transfer from an account at another institution, by an internal transfer from an Ally Bank account, by mailing a check, by mobile check deposit, or by wire transfer.

Instead of being added back to the CD, interest can be paid out monthly, quarterly, semi-annually or annually. Online software allows the customer to easily configure interest payments.

One shortcoming at Ally Bank is that partial early withdrawals of principal are not allowed. An early withdrawal of principal will force closure of the CD.

At maturity, there’s a 10-day grace period which is a typical length. When the CD is closed, the funds can be transferred internally to another Ally account or transferred by ACH to an account at another bank. In addition, a check can be mailed.

Another strong point of the CDs is early withdrawal penalties (EWPs) that are on the low side. As examples, the 12-month CD EWP is 60 days of interest, and the 60-month CD EWP is 150 days of interest.

Up to ten beneficiaries can be designated on CD accounts. Social security number of the beneficiary is not required. Beneficiary designations can be done in the application or by using the online software after the account has been opened. CDs can also be opened as trust accounts.

Except for the 11-month No Penalty CD, IRA CDs are available with the same rates and terms as the regular CDs.

0.35% - 1.10% APY

TERMS: 3 months - 60 months


Learn More

#5 Live Oak Bank

Live Oak Bank ranks high on my list of institutions with the best CDs due to its history of offering top rates on terms from six to 60 months. This is important for those who plan to use the bank for CD ladders over the long run.

In addition to competitive rates, Live Oak Bank makes it easy to open, close and manage CD accounts. CDs must be opened online and funded with an ACH electronic transfer.

Interest can be paid out monthly instead of being added back to the CD. Partial early withdrawals of principal are allowed without the CD account being closed. An early withdrawal penalty applies on the amount withdrawn.

At maturity, there’s a 10-day grace period which is a typical length. When the CD is closed, the funds can be distributed through an ACH transfer, a wire transfer, or a certified check.

Another strong point of the CDs is early withdrawal penalties (EWPs) that are on the low side. As examples, the 12-month CD EWP is 90 days of interest, and the 60-month CD EWP is 180 days of interest.

Up to five payable-on-death (POD) beneficiaries can be designated on CD accounts. Beneficiaries can be US citizens, a charity, a trust, or a non-profit organization. CDs cannot be opened as trust accounts.

IRA CDs are not available.

0.70% - 0.80% APY

TERMS: 6 months - 60 months

MIN TO EARN: $2,500

Learn More

The highest CD rates

The highest CD rates that are currently being offered may not be available to everyone. Some of the accounts listed below have restrictions and/or high minimums. However, for those who can qualify and maintain the required balances to earn the APY, these institutions will reward you with the highest CD rates currently available. We've listed the top five highest rates for 1, 3, and 5-year CDs. If you'd like to see our full list of the highest CD rates nationally and locally, you'll want to check out our CD Rates Summary.

The highest 1-year CD rates

InstitutionRatesAccount Name
Pen Air FCU1.25% 12 Month CDLearn More
CommunityWide FCU1.10% 12 Month Share CertificateLearn More
Hiway FCU1.10% ($25k+)
1.00% ($10k - $25k+)
0.90% ($500 - $10k)
12- 23 Month CDLearn More
Sallie Mae Bank1.05% 13 Month CDLearn More
Spectrum Credit Union1.05% ($500 - $100k+)
1.10% ($100k - $250k+)
1.15% ($250k)
12 Month CDLearn More

The highest 3-year CD rates

InstitutionRatesAccount Name
Pen Air FCU1.45% 36 Month CDLearn More
Connexus Credit Union1.26%36 Month CDLearn More
Wings Financial Credit Union1.21% ($10k - $100k+)
1.16% ($500 - $10k+)
3 Year Dividend Paid Quarterly CertificateLearn More
State Department FCU1.21% 36 Month CertificateLearn More
Associated Credit Union1.20% 3 Year TDALearn More

The highest 5-year CD rates

InstitutionRatesAccount Name
Connexus Credit Union1.56%60 Month CDLearn More
Associated Credit Union1.50% 5 Year TDALearn More
Pen Air FCU1.60% 60 Month CDLearn More
Service Credit Union1.50% 60 Month Share CertificateLearn More
Wings Financial Credit Union1.41% ($10k - $100k+)
1.36% ($500 - $10k+)
5 Year Dividend Paid Quarterly CertificateLearn More


Now that you know where to find the best CD rate deals, you might want to act quickly. The rate peak has already passed, and each month sees lower CD rates. If you still want to grow your money in a CD, it’s better to lock in a rate now before they drop any further, rather than lamenting about the previously higher rates.

Ken doesn’t foresee any significant rate increases on long-term CDs in the near future anymore. Some consumers may be tempted to open short- and mid-term accounts now, in the hopes of higher rates when they mature. On the flip side, there is still a chance those accounts end up with lower rates in the future. If you want to stay on the safe side, you may want to lock in today’s high rates in a long-term CD. Opening a long-term CD will generally snag you the highest rate and will lock it in for years, allowing you to grow your money more efficiently. You can continue to keep an eye both CD rates and the Fed meetings.

In the meantime, it’s good to still keep your money in a high-yield savings account as well as CDs. Your savings account will give you much easier access to your funds when you might need it, especially in case of emergency. When it’s time to lock in a high-APY in a long-term CD, you can easily transfer the funds you don’t immediately need into your CD. Then you can use that CD for a more far-off savings goal like buying a house or college expenses.


deplorable 1
  |     |   Comment #6
I found a way to get 4% on a 1 year CD. Since GTE financial allows up to $5,000 for credit card funding and their one year CD is at 2% you could fund it with a 2% cashback credit card(Citi double cash) and your APY would be above 4%. Nothing stopping you from opening multiple CD's this way either. You will also get cruise entries for each CD you open with their current promotion.
deplorable 1
  |     |   Comment #55
I rethought this strategy using 6 month CD's instead and it works out to better than 5.25% APY since you are buying 2 CD's a year 2% + 2% + 1.25%(6 mo, rate at GTE) = 5.25% + float and compounding. If you bought say 4 of these each month for 6 months that would be $120,000 in constant rotation earning 5.25%. Depending on your credit lines you could double this or if you find another bank that allows credit card funding with higher 6 month CD rates you could boost the rate to over 6% theoretically.
  |     |   Comment #57
So no cash advance issues with the credit cards you’ve used? Have you used any others besides double cash? Can you give any more insight on how the funding works?
deplorable 1
  |     |   Comment #59
I have only used the Citibank double cash card to purchase CD's and GTE codes as a purchase. I was told that NFCU codes as a cash advance by a Citi rep but it turns out even that ended up coding as a purchase after I cancelled it. If you set your cash advance limit to $0 you should be good. I believe I did the credit card funding right through the online application at GTE.
deplorable 1
  |     |   Comment #77
I went through this list over at Doctor of Credit:
It seems like most banks and credit unions have either stopped or lowered their credit card funding limits. Of the ones that are left their 6 mo. CD rates are not as good as GTE. If anyone know of any banks or credit unions(nationally available) that do Credit card funding of $5,000 or more and have a higher 6 mo. CD rate then 1.25% please post.
  |     |   Comment #79
Digital Federal CU will allow you to fund your savings/share account with up to $250 with Credit Card. The saving rate 6.17% APY up to $1000
deplorable 1
  |     |   Comment #80
Thanks I was planning on opening this account soon anyway and one for the wife and kid. Should make a good kids savings if they allow custodial accounts. Too bad the credit card funding is only $250 because they have 3 month CDs at 1.2% which would bring the rate up to 9.2% using a 2% cashback card 4x a year. I may do it anyway to boost my kids savings. A good teaching tool to show kids what you can earn on savings with a decent rate of return.
  |     |   Comment #181
I thought bank account credit card funding was an one and done type deal. In other words, you can only fund the bank account with a credit card when you first open the account. Thats al right if you just one to buy CD's one time using a credit card. But what if you want to continuously purchase more CDs?
deplorable 1
  |     |   Comment #81
Another bonus to credit card funding of bank accounts and CDs is that credit card rewards are also Federal tax free. So the actual yield of doing this is even higher when you factor that in.
  |     |   Comment #118
Spoke to phone rep today; she said that they would not allow cds to be bought via a credit card
deplorable 1
  |     |   Comment #128
Where? At GTE? Every bank and credit union has different rules and caps for cc funding. For GTE you can do it online last time I checked unless that option was removed.
  |     |   Comment #166
Won't work quite like that for longer than about one-month. You overlooked something in your math.

If you fund via credit card, you have to either pay in full with the next monthly bill, or you will be hit with a very high credit card interest rate on the funds, not only negating any gain but actually leaving you in the hole. So, you would have to pay off the credit card the following month.

But to pay that off, you have to take a second $5,000, presumably out of another bank account -- which, once paid, makes your situation the equavalent of having funded the CD with cash. That $5,000 now will no longer be earning interest in its original account -- so you have to subtract that loss from your other overall gain calculation. If that was in an account earning 2%, then you have to subtract 2% from your other calculation.

In the end, you might still be up some, but it will be so little, it absolutely will not be worth the trouble. But I applaud the effort to be resourceful about it.
deplorable 1
  |     |   Comment #173
@me: Of course you would pay the credit card off at the end of the month AFTER earning 2% on the $5,000 = $100 instant bonus plus a 30 day float. You don't need to subtract the credit card payment. If you open any CD don't you withdraw that cash from your savings account to fund it? In this case you just use it to pay your cc bill. Then 6 months later repeat the process and earn another $100. This brings the annual rate to 5.25% actually it's a bit higher than that due to you getting 2% cash back sooner than interest posting plus the 30 day float. Probably closer to 5.35% actually. Nothing wrong with my math. If it helps think of it as doing a $100 bank bonus twice a year plus earning interest.
  |     |   Comment #7
I believe these lists are limited to their "partners". In other words, paid advertisers.

The other lists are better in that they are not as limiting.
  |     |   Comment #8
RJM - Good catch.
  |     |   Comment #10
Amos and RJM are making extremely serious allegations against Lauren Perez and Ken Tumin (Comments #s 7and 8).

According to's "Advertising Disclosure":
"This advertising might influence where these products or financial institutions appear on the site. However, this advertising does not influence whether a product is included on the site, nor does it influence how the products or institutions are assessed within’s editorial coverage or its financial health rankings."

If the posters of Comments #7 and 8 have any evidence to support their allegations against Perez and Tumin, I suggest they make it available to the readers of this blog. If not, I suggest that they retract their statements, which I believe (perhaps incorrectly) are scurrilous.
Michael Cohen
  |     |   Comment #12
Their comments are correct. Note they say these are our "partners".
  |     |   Comment #14
Thank you Michael Cohen' And now that has combined its editorial content and its advertising, they've lost one longtime reader. I want to read advertorials.

And apologies to RJM and Amos -- I just couldn't believe that Perez and Tumin could sink to such depths.

Thanks to this site and many of its participants. Bye
  |     |   Comment #15
correction -- first paragraph should end: I DON'T want to read advertorials.
  |     |   Comment #19
Alan, the site is still useful. Although more prominent disclosure is called for.
Michael Cohen
  |     |   Comment #22
More prominent disclosure is ABSOLUTELY NECESSARY!!
Michael Cohen
  |     |   Comment #16
Thank you, RJM and Amos. You have provided a useful service.
what's up ken
  |     |   Comment #18
hey Ken Tumin , is this _co-hosting_ the beginning of the changing of the guard. ?
  |     |   Comment #35
alan 1 - I, for one, hope you will continue to post your usual and various helpful information here since I have learned a great deal from your posts. Just think it over before you finalize your seemingly hasty decision to leave which was apparently based on a single article....knowledgeable posters such as you are few and far between. Lets just wait and see where it goes from here.
Michael Cohen
  |     |   Comment #11
Yes, this list is not very useful. It is just advertising.
deplorable 1
  |     |   Comment #27
@RJM: I must have missed that. I hope they don't turn into another bankrate clone. That site was very useful before going public. They are still ok for the free credit report but nowhere near as useful as DA for searching rates and deals.
  |     |   Comment #28
@Deplorable I agree. On the bankrate site it's hard to separate truth from fiction when it comes to searching out the best rates available given all the advertising content. I've written them many times about the trouble navigating that site to find the best rates.
Michael Cohen
  |     |   Comment #29
I, too, agree. The DA site has always been completely awesome! I am very worried about this most recent article. Ken needs to repudiate it and assure the DA readers that they will never be subjected to something like this again.
  |     |   Comment #32
This is very disappointing. I would hate to see the forum be turned into an advertising driven site. Once the site loses its integrity, it is done.
  |     |   Comment #30
I quit using bankrate well over a decade ago. They recently bought Quizzle and killed it. Wanted me to sign up for their site. Nope.
  |     |   Comment #31
RJM (Comment #30) I agree, but bankrate has some useful calculators that super seed this site from my prospective. You don't need to sign up for use of these. Having said that, Ken's info can be superior.
deplorable 1
  |     |   Comment #60
Yes the calculators at bankrate are still very useful tools but the comments section died after they went public.
gig words
  |     |   Comment #169
super seeds? sounds fertile!
  |     |   Comment #167
RJM, yes, I picked up on that immediately. How disappointing, the new approach of the new DepositAccounts owners. Ken was a good journalist; selling news columns to the advertisers is contrary to journalism ethics and standards -- it is what made a junk Website, paving the way for DepositAccounts rise.
gig words
  |     |   Comment #168
Lending Tree is not a newspaper.
  |     |   Comment #170
So what! Deposit Accounts is a news operation. The definition of journalism is NOT newspaper. And the same ethics and standards apply. Ken met that, the new owners clearly do not, they think the advertisers shod be editor.
deep thoughts
  |     |   Comment #171
Lending Tree is not a news operation.
  |     |   Comment #172
It's just the two "best of" monthly posts that have ads. The other stuff is how it should be. The only reason I come back here is I get an alert in case someone commented to me. Otherwise, I get my info from the Best Bank Account Interest Rates - Summary and CD Rates Summary. They come out every other week. And I augment them with the blog posts in the interim.

I fear what will happen in the upcoming years but right now, it's still pretty good and not that hard to skip the obvious ads.
  |     |   Comment #9
Sorry Ken, but these institution are the ones with most customer dissatisfactions and not very comparative rates and spend a lot of money for advertising.
  |     |   Comment #20
I share some of the same concerns with this article as others have voiced. But, I feel like there is a more fundamental question. Yesterday, Ken published “CD Rates Summary January 15, 2019” that includes the best national and local CD rates by duration…which is an excellent data driven, factual summary. So, what is the additional value of publishing today’s “The Best CD Rates in January 2019”? This article clearly focuses on a subjective assessment of financial institutions that offer CD’s and does not focus on "the Best CD rates" at all. I am confused about what DA is trying to accomplish here.
  |     |   Comment #21
It's about driving revenue.

Just remember, CD Rates Summary and Best Bank Account Interest Rates - Summary are the good stuff.
what's up ken
  |     |   Comment #23
Lending Tree influence ?
Michael Cohen
  |     |   Comment #24
Some bad influence!
dick THE WEASEL durbin
  |     |   Comment #103
Of course, when DA sold to Lending Tree for $14 million the latter needs to get a return on money invested...ROI
  |     |   Comment #25
I understand the need for DA to generate revenue but articles such as this one should be clearly marked as “sponsored content” or they will eventually erode the confidence that readers have in DA to act in their best interests. I do not search for best bank accounts on some other sites because they only show results from their advertisers. DA has been different and I hope that it will carry on with the tradition of unbiased reporting.
I also don’t want to see readers such as “alan1” leaving this site. Their comments make the site more valuable.
Michael Cohen
  |     |   Comment #26
I agree. Articles such as this should never again appear on the DA website. And a mea culpa should be issued for this article.
  |     |   Comment #33
The site is not lacking in advertising. I'm reminded of that when glancing to the right. Sometimes, in the middle of reading something on this site, I'll suddenly be redirected to a financial institution's home page, notably Capital One, no doubt another manifestation of advertising.
  |     |   Comment #34

We all know there needs to be an income stream. Like commercials on TV, we accept the ads on the site touting rates. That's part of the deal I think most people understand and accept. What really disappoints, is seeing an ad packaged as information post -- and placed where the information posts are. I've always respected DA for over 10 years. That respect stopped today, upon seeing this post. I hope you will allow it to return by never doing something like this again.

A reputation takes years to build, and seconds to destroy. If you're surprised by the degree of disdain being shown, step back for a moment, and consdier how you'd feel, if, say, Consumer Reports decided to do paid ads masqurading as articles. Again, no one begrudges you for trying to keep the site open and get some income for all the hard work you put into it. But if you want to be seen as not just another shill site, there's a line that should never be crossed. Editorial borads know this, news organizations know this, and any website that wants to be taken seriously, instead of seen as just another advertising outlet, should know this.

Please take a moment to think about it. There are other ways to get revenue than to ruin your site's reputation (even with the mention in passing that these are from your partners) by inserting "posts" that are nothing but ads.

It really pains me to say this (I don't say it lightly) but I need to be blunt: I think a lot of respect for your site was lost today because of this post. Please reconsider. We all want DA to succeed, but not to sell its soul and reputation in the process.
Nancy Pelosi
  |     |   Comment #39
I couldn't agree more. This article was terrible!!
  |     |   Comment #104
Yes, these type of posts are worth skipping. They are only advertisements
  |     |   Comment #36
When I seen Capital One Bank listed in this article, I knew it was a scam article.
  |     |   Comment #37
I have 4 cap one accts , have a nickel in each one
  |     |   Comment #38
I, too, am confused by what appears to be an about face . . . say it ain't so.
  |     |   Comment #40
Sadly, I am afraid Ken may not have a say in this. He may have to take orders from the corporate suits as far as advertising goes. I have trouble believing Ken would decide to write a posting that is nothing more than an advertising piece. It is deceptive. I hate to see the site go down this road. And Ken I say this with all due respect.
  |     |   Comment #41
I can read the articles for myself and make my own decisions...I am completely capable of deciding which CDs are right for me and which are not so I don't think I will be complaining about a site that is free.
HighYield's Mom, LOL!
  |     |   Comment #42
Agree with Mak. This is all a bunch of ballyhoo about nothing! They clearly stated the listed banks/credit unions are from their "partners." So c'mon folks, get over it! EVERY website has advertising. No problemo! Just skip over the stuff that may bother you. You guys are throwing a teenage hissy-fit!

Too much good work by Ken, and too much great information on this website to just disregard it, or walk away. All the ads or "partners" stuff doesn't bother me one bit.... and I surely can't complain when my favorite credit union, PENFED, is listed as number one! :) I mostly just use the "CD Rates" link at the top of the page. There's a wealth of information there, that I've never seen on any other financial website. Keep up the great work Ken, and all!
  |     |   Comment #43
There is no free lunch on the internet, either the advertisers pick up the tab or users pay for a subscription. I assume DA was never meant to be a non profit or a free public service.
  |     |   Comment #47
Thank you HighYield's for expressing the same thoughts I have. Honestly these people don't deserve all the wonderful info that Ken and his contributors so generously give us. Not only these "ads" don't bother me, but I find them very helpful too, and anyway, this is all gratis what do those people want??? How selfish of them!!!
DA is the best
  |     |   Comment #65
Agree! You find people like that on ALL discussion sites. They have a fit, and then threaten to quit. Well, its their loss. (then they come back with a new username.)
  |     |   Comment #46
Excellently said Mak. I feel the same and not only that but I like Ken's listings of the institutions as it saves me from having to go searching for them myself. :o)
Eager Beaver
  |     |   Comment #58
Thank you ROSEDALA patriotic indeed!
  |     |   Comment #44
Penfeds early withdrawl penalty is too high
  |     |   Comment #45
Shame on those who are criticizing Ken Tumin because of a few ads, so...ARE YOU PAYING HIM FOR ALL THE WORK HE DOES??? Who are you to demand how he's supposed to do his job that YOU are enjoying and profiting from??? Those who followed the one who barked first against Ken, are the kind who only know to follow the mob - something that seems to be very much in style nowadays...especially against those who do the most good.


P A Y ! ! !

Nancy Pelosi
  |     |   Comment #49
You are so ooh wrong!!!
  |     |   Comment #53
Ads are fine. The issue is including the ads with what used to be unbiased commentary without clearly identifying it as such.
  |     |   Comment #48
The hell with CDs. You should have bought LendingTree, the parent company of this site, in 2012. You would have paid about $5 a share. Today, the closing price for one share is $276, an increase of 5,500%. A $5,000 investment would be worth $275,000 in just 7 yrs. Ken should have told us to put some of our money here. :)
  |     |   Comment #50
Oh, BTW, DepositAccounts was sold to LendingTree on June 15, 2017 for $33 million. Ken had already sold the company prior to this event, although I am sure he still owned a significant piece of the company. LendingTree's stock has increased by 60% since then. Obviously, Ken is no longer a free agent but I hope he maintains the objectivity and high standards for which this site has always been known.
  |     |   Comment #52
A bit off topic but Ally just raised their savings rate to 2.20%. Hopefully, this will cause All American to raise theirs to 2.50%.

As usual, the higher rate is delayed showing in my account for a day. I'm sure it will show tomorrow.
deplorable 1
  |     |   Comment #54
Ok guys some good constructive criticism is fine but stop the Ken bashing. If you were offered 33 million and were still allowed to make useful contributions to a website YOU created would you take that deal? How many of you would pass on that offer? Just some food for thought.
  |     |   Comment #61
Crazy reactions here. I assumed the first list was sponsored, much like the first few results you sometimes get when searching rates here. Then there is "Ken's List" below it. Calm the heck down.
Rudy Guiliani
  |     |   Comment #62
Both lists are ads! Wake up!
  |     |   Comment #63
I might agree with you if the title of the article “The Best CD Rates In January 2019” was correctly titled “Comparing CD Rates Offered By Some Nationwide Banks And Credit Unions In January 2019”. Even though this aricle claimed to be coauthored by Ken Tumin, I really have to question that also. Not like him at all to put out wrong information.
Ken Tumin
  |     |   Comment #64
Thanks for your comments. Your comments have been heard, and we will be making changes.

Advertising relationships did not factor into my top 5 picks. They weren’t necessarily the ones offering the highest rates today, but they were the ones with a history of offering top rates. Also, I factored in features like EWPs, ACH transferring and beneficiaries. I’ll be adding a section describing my methodology soon.
Go Navy
  |     |   Comment #66
Thanks very much Ken. Great work; Great website. Maybe you can convince PenFed to change their outgoing ACH policy. $5k per day from savings is too restrictive.
  |     |   Comment #67
I say, no problem, Ken! Do you what you need to do to maintain good content elsewhere. For most regular readers, it's not hard to know that when article lists #1 as PenFed Credit Union we can safely skip the rest of it.
  |     |   Comment #70
GO PENFED! They provide great service to our military troops and Vets. I've always had excellent customer service from PenFed, and enjoy very good rates. If you don't like them, fine. There's always BofA for guys like you.....
Rudy Guiliani
  |     |   Comment #68
Thanks, Ken. The article was written in a very misleading way. Please make changes so that nothing like this happens ever again.
  |     |   Comment #69
ok ok we get it
  |     |   Comment #71
Thank you, Ken.
PLEASE don't take this the wrong way, but look at it again with fresh eyes. It really does smell of an advertisement disguised as trying to be a legit post. To those who say "I can tell the difference", (a) just because you can doesn't mean others can (and those who aren't hardcore DA readers would be the most susceptible) and (b) whether you can tell the difference or not, it doesn't matter, for it goes to the heart of DA's reputation of being impartial.

Many, many other much better CDs are available at other institutions that aren't your partners (and I'm not quite sure how much credence should be given to "having a History of high rates" if the Current rate at Bank X is 2% and the Current rate at Bank Y is 3%).

Though rates are probably the #1 deciding factor for most people, in the end, one can't guess what is best for the readers. Everyone has different priorities, and weighs that information differently.

One of the reasons DA has been so good, was you always presented things as they actually are. You do a fine post regularly, which lists dozens of CDs at different terms, both local and nationally available. Using this, people can decide for themselves what they want to go for (it's very easy). We also see the ads touting rates from your partners and are very well aware of them, and many people use them.

Please try your best not to let a post like that happen again.

Thank you again for your many years at the site!
  |     |   Comment #82
Thank you Ken! The fact that you addressed the concerns made here in the comment section has certainly impressed me! Love this website!
  |     |   Comment #156
Dear Ken:
Thank you for your assurance that your "best" lists are not influenced by advertising--I take you at your word. However, order to avoid the APPEARANCE of impropriety (something proper can still seem improper) there is a simple solution: On such lists (best CDS, best savings rates, etc.) in the top right corner, simply indicate (S) for sponsored and (NS) for non-sponsored. That way, there will be full disclosure, and the appearance of impropriety will be eliminated. Thank you for your consideration.
  |     |   Comment #72
We’re Unbiased

We are the first major bank account comparison site that's truly unbiased. While other sites omit or hide the best rates available in order to promote their advertisers, advertising relationships never affect which rates we include in our tables. We receive no compensation for over 99% of the banks and credit unions we list. While this approach doesn't produce the most short-term revenue, we're confident that putting the user first will help us become the go-to site in the long run.

I wonder where these words came from? Oh yeah - these are Ken's words from this site
Michael Cohen
  |     |   Comment #75
I totally agree.
Ken Tumin
  |     |   Comment #76
We have made some improvements to the post. These changes are intended to address the concerns mentioned in the comments.

First, we clarified the methodologies.

Second, we added a new section that lists the highest CD rates currently available for 1-, 3- and 5-year CDs. This is a small and easy-to-read version of the bi-weekly CD summary. Like the bi-weekly CD summary, the highest rates are listed without regard to advertising status.

The last change is an addition of a methodology description of my section on the best institutions for CD investors. This section is intended to provide additional value from what the bi-weekly CD summary provides. Several factors in addition to rates are factored into my picks. These picks were chosen without regard to advertising status.

The bi-weekly CD summary and the bi-weekly liquid account summary will continue without changes.
Nancy Pelosi
  |     |   Comment #78
Thank you, Ken. Please only give us unbiased information in the future.
Colorado Reader
  |     |   Comment #83
The revised post does not fully address readers' concerns about full disclosure. Who are Deposit Account's "partners"? I don't see them clearly identified anywhere on the site. (Some institutions are labelled as "sponsors" when one does state-specific searches. What is the difference between "partners" and "sponsors"?) Having two sets of "best" CDs in this post is confusing; is "Lauren Perez" paid to promote "partners" by the site's owners/overseers, while Ken is permitted to give unbiased information? In summary, the revisions to the post do not remove the taint of paid biases.
  |     |   Comment #84
Can't people just read the articles, do their own follow-up research and find whatever CD rate/institution works for you? Some comments lead me to believe some think they're managing a billion-dollar hedge fund. I've got well over a million in CD's alone and, trust me, it ain't rocket science.
deplorable 1
  |     |   Comment #88
Yeah I don't think I have ever read a article and went out and made any financial decision without doing my own research first. I always assume there is bias of some sort in every article on any website.
  |     |   Comment #89
Trust but verify...
  |     |   Comment #90
Of course we can. But the reason we come here is to cut down on some of the research.

Why spend 10 minutes when we could be spending hours?

My concern is when Ken steps down. Is Lauren Perez, savings writer at LendingTree the heir apparent? Will objectivity be totally replaced with "do your own research,we are here to tout our partners" ?
who's the boss?
  |     |   Comment #85
how about posters let this inquisition of DA come to past.
Ken has addressed the concerns openly and with haste.
i dont think there is the need to further judge DA protocol.
  |     |   Comment #86
At least some people still have some common sense. I.e., #84 and 85.

When it comes to personal financial matters, never depend on one individual to lead you by the hand.  Move on and do a little research on your own if you don't trust what is put before you.
Rudy Guiliani
  |     |   Comment #87
I agree. It would be helpful if we could be presented with articles that actually gave us unbiased advice.
  |     |   Comment #91
Why are all these comments from back in January attached to this Feb 1 posting?
  |     |   Comment #92
Seems like the article was recycled with updated rates as of 2/1 but kept all the comments from the prior version.
  |     |   Comment #94
Read the January comments while you still have a chance, they won't be around long! They happen to be the comments which were processed by the "cleaner" shortly after they appeared in the first article.
  |     |   Comment #126
It appears as if I was in error. The cleaner is on vacation until around February 28th.
  |     |   Comment #95
Most likely a newbie web-editor who in their haste pasted when they meant to cut! A BIG mistake that Lending Tree won't allow to be visible much longer. The cleaner will be arriving shortly. As Flounder the January comments soon.
  |     |   Comment #96
Maybe they meant for the comments to remain because of all the fuss they caused the first time?
  |     |   Comment #98
My thought also
  |     |   Comment #93
Ken: I very much appreciate your looking at historically consistent high interest rates rather than just highest current rates, as historic consistency is important for many investors when choosing a primary financial institution for their family. Also, your incorporation of early withdrawal penalties into the equation is valuable as well. I'd like to invite you to consider a third factor going forward: Financial institution ratings (both customer ratings and financial strength ratings: Several of the institutions with the best historic rates and lowest EWPs have poor customer service ratings. While a single negative rating can be overlooked, those institutions with multiple negative ratings from customers should be approached with caution. Similarly, a financial institution with poor financial strength ratings should be approached with caution as well--even when rates and EWP penalties are favorable.
DA Fan
  |     |   Comment #99
Great piece by Ken.

I don't put too much faith in customer ratings. This IS the Internet, afterall. Who do you believe?? Same goes for the comments in these forums. Some have good intentions, but there are also LOTS of reviews & comments that are just plain nonsense and meant to stir up trouble.

Everyone needs to be cautious and do their own due diligence.
  |     |   Comment #105
Tough crowd for a website with unique and good information for savers; and it is all free!

  |     |   Comment #110
Oh please #105, there are hundreds of better sites for money news, unbiased and updated daily and free too, pondering to Ken is a turn off, unless you are part of them who delete perfectly true and honest posts from the readers. Yes, the censorship is unique to DA and nobody else.
  |     |   Comment #112
My problem is the left 1/3 of my screen is already advertising. I would hope that would be enough without mixing more advertising in the other parts of the site. This entire monthly best of cd rates is unneeded and not as good as the biweekly CD "CD Rates summary".
Same with the "Best Bank Account Interest Rates - Summary" that is also put out every other week.

there are not hundreds of better sites. And there is very little censorship here unless its over the top BS about politics that are totally off topic and have no place here. Or obvious trolls.

I think it could be better by having commentators sign in and having a mute function. We have posters who change usernames with every post and it diminishes the quality of the comments.

Now, all that being said...

What is orange, narcissistic, flabby, corrupt, obnoxious, yet apparently legally untouchable and professionally successful beyond all predictions or comprehension?

Bruce Pearl, of course

Who did you think I was talking about?
  |     |   Comment #120
RJM, you have to chill out man. These are only comments, no matter how much they frustrate you. Hate for you to be 86'ed from the site.
  |     |   Comment #121
You've had 6 posts in a row removed and hundreds in the last year yet you are still posting and I need to worry about being 86d?

Yes, Michael Villareal. Whatever you say.
  |     |   Comment #163
Please keep your ignorant political bias off this site.
  |     |   Comment #146

Could you please explain your obsession with me?

Also, why do you continue to wright RHM are you just too stupid to correctly type it?

I am not attacking anyone. i am responding to stalker(s).

This has been happening for a dozen years. Why?

I am probably going to log out & then never log in again. Then you won't know who to stalk.
  |     |   Comment #177
51hh Re:
Your posts on Equifax...there seems to me to be a threshold question: was one notified that they were hacked? Who is part of the settlement class...must be known that "they" know who was hacked in order for them to confirm you are part of the class! I have no inclination of giving any info to verify on a website that which they/FTC are required to do! Sooooooooooo, I'm waiting for a notice saying if I'm in the class and then what my options are...and NOT by going to their website FIRST. What says you?
  |     |   Comment #111
Navy has another "short" term CD 6mo at 3% for those that like those short terms.

This offer, including the stated APY, is effective February 4, 2019. Navy Federal reserves the right to end or modify this offer at any time. The highlighted rate is applicable to the 6-month certificate term only. Minimum purchase amounts of $1,000, $10,000, $20,000, $50,000 and $100,000. No maximum purchase amount. Additional deposits are not allowed. Penalties apply for early withdrawals from certificates. Other restrictions may apply.
  |     |   Comment #113
Brokered CD's
10-yr brokered
GS 2/13/2029 at 3.35%
Discover 2/13/2029 at 3.3%

Long term rates appear to be in a slow downward trend. There are 5-7 years issues with 3.1/3.3 rates so the spread is narrowing...a bit.
  |     |   Comment #125
Brokered CD's
10-yr brokered
GS 2/13/2029 at 3.35%
Discover 2/13/2029 at 3.3%

Showed up today.....
Citibank 2/25/2029 3.25%
  |     |   Comment #127
What brokerage is offering these CDs?
  |     |   Comment #129
I'm not sure what brokerage "Brokered" is utilizing to obtain his information, but I can tell you this, the Goldman Sachs 10 year at 3.35% is not being offered at the TD Ameritrade brokerage. Unfortunately TD Ameritrade has not offered any new issue brokered CDs from Goldman Sachs for many months and I don't know why.
Edie Puhn
  |     |   Comment #130
Bad Information?
  |     |   Comment #131
Schwab Brokered CD's
10-yr brokered
GS 2/13/2029 at 3.35%
Discover 2/13/2029 at 3.3%

Showed up yesterday.....
Citibank 2/15/2029 3.25% (corrected 2/25/2029 to 2/15/2029)

3.3% - 3.2%

3.1% - 2.85%

These are trends. Some rates come and go but not too long ago the 10-yr was at 3.65%.

I have quite a few CD's at Schwab and my screen is showing green (positive) for most of them. 10-yr. 3.3% from 2013 are all green.
  |     |   Comment #132

If you bought one of those green cd’s at par value and later sold it. Would the extra amount that you received over the par value cost be reported as a capital gain on your income tax return?
  |     |   Comment #133
It's reported as a gain or loss.

As an example, I wanted to get rid of a $6000 3.3% CD to purchase a stock. Par was $6000 but when I sold it I received $5,922.38 (a $77.62 loss).
  |     |   Comment #134
Thanks for that info. One more question. So if you bought a cd over par value and held it until it matured at par value, would that be reported as a loss? For example, if you paid $10,050 for a cd in the secondary market and held it until maturity and received $10,000, would that also be reported as a loss? In this example, would it be reported as a $50 loss?
  |     |   Comment #136
I assume it would be listed as a loss.
  |     |   Comment #139
DOA (comment #134), I was told by a CPA to amortize the brokered CD premium over the life of the brokered CD. When a brokered CD is purchased at a premium, the amount of the premium must be amortized to interest expense over the life of the CD. Brokered CDs are handled like taxable bonds in this case. To make life easier, your brokerage firm will issue you a Form 1099-INT annually and on line 11 you will see a “Bond Premium” value and that is the amortized amount to report to the IRS for the tax year. With amortization you are annually and gradually reducing the premium value until it eventually, at maturity, reaches the par value. Sound complicated? Well that’s why a lot of brokered CD buyers prefer new-issue, brokered CDs instead where the CDs are purchased at par and you don’t have to deal with amortization. For more information see:
  |     |   Comment #141
Thank you RichardW for explaining this.
  |     |   Comment #144
RichardW and Brokered,

After your comments on amortization of bond premiums, I found this article that I thought might be of interest. Again thanks for your help.
  |     |   Comment #145
In addition to comment #144:
  |     |   Comment #147
Thank you for your feedback and the articles included in comments (#144 and #145) DOA!

I believe the key information explained in your second article is that a bond (or brokered CD) holder who obtained a taxable bond (or brokered CD) with a premium and has not previously elected to amortize the premium may either: “(1) elect to amortize bond premium over the term of the Bond and, correspondingly, reduce the basis in the Bond by such amortization, or (2) make no election and include the full amount of the premium in the tax basis of the Bond.” I thought the key information explained in your first article concerning the election of bond amortization is: “While this election is generally advantageous to taxpayers, the election must apply to all taxable bonds held by the taxpayer.” and “If the election is made, it is only revocable with IRS approval, and it applies to all taxable bonds currently held and subsequently acquired.” Several years ago I believe my CPA did tell me there was a choice and that the amortization choice was advantageous in my scenario. But it also appears that the answer which “Brokered” suggested in comment #136 (to include the full premium amount in the tax basis of the brokered CD and have a loss) is also a valid choice. As I indicated earlier in comment # 139, it may be best to just simplify life and only buy new-issue, brokered CDs instead where the CDs are purchased at par and you don’t have to deal with the premium amount.
  |     |   Comment #135
Edie (comment #130), it isn’t bad information, it’s just not complete information. In yesterday’s comment #125, “Brokered” never stated through which brokerage firm he obtained the information. (Later today, in comment #131, he does indicate that he used Schwab for the information.)

Not all brokerages offer the same collection of new issue, brokered CDs. In this case, TD Ameritrade does not offer the Goldman Sachs 10-yr CD (as “JeffreyG” listed in comment #129), however I checked and they do offer the Discover and Citibank 10-yr CDs at the rate which “Brokered” lists. I also just checked my Fidelity account and they offer the following rates for 10-yr term, new-issue, brokered CDs: Goldman Sachs @ 3.35%, Discover @ 3.30%, and Citibank @3.25% (exactly the same results as “Brokered” noted at Schwab). In addition I checked my Vanguard account and they currently only offer two of those three 10-yr CDs: the Goldman Sachs @ 3.35% and the Citibank @3.25%.
  |     |   Comment #137
All my brokered CD's are at Schwab. I periodically check Vanguard but I do not have an account with them. I refrain from mentioning the brokerage for legal reasons.
  |     |   Comment #138
Brokered, comment #137, since you're not a registered user on your identity is unknown. Just think of it as being on the witness protection program. Your Schwab brokerage secret is safe here.
  |     |   Comment #140
#138, I seriously hope you don't believe that.
  |     |   Comment #142
#140, No, since Flounder is employed in the Information Technology industry he is well aware of the fact that has each of our internet fingerprints (IP address) whether we are registered or unregistered users.
  |     |   Comment #148
Brokered CD's 2/11/2019
Trend is DOWN

There is one 10-yr Citibank at 3.25%

There is one 7-yr Citibank at 3.20%

Range: 3.05% - 2.85%

More issues may show up later in the day...we'll see.
I take a snapshot each day and the trend is clearly headed south for long-term CD's.
Short term are holding fairly steady but the spread between short and long is narrowing.

Since I have several CD's at this brokerage (oldest from 2013) I can see the combined CD market "value" each time I log on. As CD's decline my market value increases. Market value is what I'd get today, not the par value of the CD at maturity.
  |     |   Comment #149
GS jumped in with a 3.3% (Citibank = 3.25%, Discover = 3.2%

GS jumped in with a 3.25% (Citibank = 3.2%, Discover = 3.1%)
  |     |   Comment #151
Don't get too excited...10-yr were 3.65% in mid December.
  |     |   Comment #152
Where is "The Best CD Rates in March 2019" article which would normally be posted by March 1st?
How about the facts
  |     |   Comment #153
Give them time...they will ruin the format for sure. So many sites competing for revenue simply clutter things up. They want you to read through all the old posts while they feed you ads.
  |     |   Comment #154
Comments from back in January and February are attached to this March article!
  |     |   Comment #155
Pinto, i fail to see why you continue to post on these "best of" topics. AKA paid ads.

Every 2 weeks, far better material is put out for CD and savings rates.
  |     |   Comment #157
Dear Ken:
Thank you for your assurance that your "best" lists are not influenced by advertising--I take you at your word. However, order to avoid the APPEARANCE of impropriety (something proper can still seem improper) there is a simple solution: On such lists (best CDS, best savings rates, etc.) in the top right corner, simply indicate (S) for sponsored and (NS) for non-sponsored. That way, there will be full disclosure, and the appearance of impropriety will be eliminated. Thank you for your consideration.
  |     |   Comment #158
Why are comments from January & February included in this March blog??? Other blogs on this site don't do this.
Bill Barr
  |     |   Comment #159
This article is advertising.
  |     |   Comment #160
Why would you ruin what was a great web site with this very poor "Article " Helen Keller could find better rates than you have here..cut the ads and get back to facts please
yeh yeh yeh
  |     |   Comment #161
we've been through this before
let it rest........
  |     |   Comment #162
All that's needed is a simple site listing all available rates from all institutions. The verbage is mundane, repetitive and increasingly boring.
  |     |   Comment #165
You know, guys, if any of you are that unhappy with D.A., you might consider not using it. Try other sites to see how they generally don't stay up with best rates. And, above all, rather than complaining, use your brain to evaluate things.
  |     |   Comment #174
Locked in 711,346 dollars in a 5 year CD yesterday, broke it up to 2 CDS, one at 350,000 with payments going to our savings and one at 361,346 letting interest accumulate for 5 years to help my son with school
  |     |   Comment #175
hope you got your ducks all in a row
  |     |   Comment #176
Dee, where did you buy the CDs?
  |     |   Comment #179
Hi, has anyone heard of Loan Doctor Financial? I got 6%
  |     |   Comment #180
FDIC coverage? What other relationship, if any, do you hav with it? Thanks

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