About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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Bank Deals Blog: CD Deals

NASB Has Nationally Available 24-month CD (2.02% APY) w/Checking
Deal Summary: 24-month Relationship CD; 2.02% APY w/$10k+ balance in NASB checking account(s); lower APYs with smaller checking account balances; $1k CD minimum deposit.

Availability: Nationwide

North American Savings Bank (NASB) is offering a series of Relationship CDs with APYs dependent on checking account balances. This most competitive of the Relationship CDs is the 24-month, which will earn 2.02% APY when a minimum $10k balance is maintained in NASB checking account(s). The minimum opening deposit for the CD is $1k.

According to the fine print on the Rates...

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Appalachian Community FCU Offers 72-Month CD (3.04% APY)
Deal Summary: 72-Month Super Saver Certificate, 3.04% base APY, $1k minimum; 60-month Term Share Certificate, 2.53% base APY; $1k minimum. Up to an additional 0.50% added to APYs through Relationship Bonuses.

Availability: Residents of five northeast Tennessee, three southwest Virginia, and four eastern Kentucky counties.

Last week, Appalachian Community Federal Credit Union (ACFCU) raised the rates on its 72-Month Super Saver Certificate (3.04% base APY) and 60-month Term Share Certificate (2.53% base APY). Both Certificates require a minimum deposit of $1k, with no stated balance cap.

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NEFCU (NY) 18-Month CD Now Earns 1.75% APY
Deal Summary: 18-Month Certificate, 1.75% APY, $1k minimum

Availability: Residents of portions of Nassau and Suffolk Counties, New York.

NEFCU (formerly known as the Nassau Educators Federal Credit Union) has just raised the rate on its 18-month Certificate (1.75% APY). The Certificate requires a minimum deposit of $1k, with no stated balance cap.

The 18-month Certificate has been part of the product line for less than two years. During that time there were four rate changes, but for more than a year the APY was stuck at 1.15%....

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State Bank of Texas 12-Month Jumbo CD (1.55% APY) Available Nationwide
Deal Summary: 12-month Jumbo CD, 1.55% APY, $100k minimum; 12-month CD, 1.45% APY, $25k minimum.

Availability: Nationally available

State Bank of Texas’ (SBT) has raised the rate on its 12-month Jumbo CD (1.55% APY, $100k minimum) and 12-month CD (1.45% APY, $25k minimum). SBT has been offering these products nationwide on-and-off for more than a year.

CSR stated that if you “bring a total of $200k, it will be split into two $100k CDs earning 1.575% APY."

According to CSR, the Early Withdrawal Penalty for the 12-month CD...

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Pelican State CU (LA/AR/TX/MS) Boost Rates On Long-Term CDs
Deal Summary: 48-month Share Certificate (2.41% APY) and 60-month Share Certificate (2.61% APY), $500 minimum deposit.

Availability: Easy membership requirement for residents of Louisiana, Arkansas, Mississippi, and Texas; Residents of Rapides Parish, Louisiana; Employees and retirees of several SEGs

Yesterday, Pelican State Credit Union (Pelican State CU) raised the rate on its 48-month Share Certificate (2.41% APY) and 60-month Share Certificate (2.61% APY). The minimum opening deposit for either Share Certificate is $500, with no stated balance cap.

Note: While Pelican State CU has separate Jumbo Share...

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Chemical Bank (MI/OH/IN) Marks 100 Years With 15-Month CD Special
Deal Summary: 15-month CD Special (1.50% APY), $100 min/$1.5 million max, new money.

Availability: Market area includes Michigan’s Lower Peninsula, northeast and central Ohio, and northern Indiana.

In celebration of its 100th anniversary, Chemical Bank is offering a 15-month CD Special (1.50% APY). The minimum opening deposit is $100, with a maximum deposit per household of $1.5 million. The CD Special requires new money, which is defined simply as "funds not currently on deposit with Chemical Bank." This is a limited time offer, but no...

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Bethpage FCU's 25-month CD Is Available Nationwide
Deal Summary: 25-month Certificate (1.75% APY), $50 minimum deposit.

Availability: Easy membership requirement

Last week, Bethpage Federal Credit Union (Bethpage) added a 25-month Certificate (1.75% APY). The minimum opening deposit is a low $50, with no stated balance cap.

The 25-month Certificate is also offered as an IRA (Traditional and Roth), earning the same APY with the same funding requirements.

As stated in Bethpage’s Membership Account Information booklet, the Early Withdrawal Penalty (EWP) reads as follows:

Given the mild impact of the EWP on its long-term CDs, the 2.25%...

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Five Star Bank (NY) Adds 8-Month CD Special (2.00% APY)
Deal Summary: 8-Month CD Special, 2.00% APY, $500 min/$250k max new money, TotalValue Premier Checking account required. Money Market Special, 1.35% APY (guaranteed until August 31, 2017), $1k min, checking relationship required.

Availability: Market area is 18 western New York counties.

Five Star Bank has added an 8-month CD Special that earns 2.00% APY. The minimum deposit is $500 of new money, with a balance cap of $250k. A TotalValue Premier Checking account, which is a variable rate account, is required to open the 8-month CD...

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Home Savings Bank (UT) Has Nationally Available 12mo CD (1.45% APY)
Deal Summary: 12-month Internet Only CD Special, 1.45% APY, $5k min/$250k max deposit.

Availability: Nationwide, online only

This week, Home Savings Bank raised the rate on its nationally available 12-month Internet Only CD Special (1.45% APY). The minimum deposit is $5k, with a $250k maximum deposit.

In the past year, there have been six rate increases for the CD Special, with this latest increase resulting in its highest APY ever.

The 12-month Internet Only CD Special is also offered as an IRA (Traditional) earning the same APY, with...

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KS StateBank Boosts Rates On All Nationwide Online Jumbo CDs
Deal Summary: Internet Only Jumbo CD Specials: 1-year (1.35% APY), 2-year (1.65% APY), 3-year, (1.85% APY), 4-year (2.00% APY), and 5-year (2.20% APY); $100k minimum deposit. Regular CDs earn the same APYs for the same term lengths, but require a $500 minimum deposit.

Availability: Nationwide

Kansas-based KS StateBank has raised the rates on all its Internet Only Jumbo CD Specials. The Jumbo CD Specials all require a $100k minimum deposit.

The “Notes” section for the Jumbo CD Specials on the Deposit Rates...

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