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CD Rates Summary December 4, 2018

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This is my first weekly summary with the Fed review split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. This change was done to separate the economic and political discussion from the deal discussion. Often economic discussion leads to political discussion, and that can create lots of comments which drown out comments on deals and rates. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post. Please use the comments of this blog post to discuss CD rates and deals.

December started off a little disappointing without any hot PenFed CD deals. PenFed did raise their CD rates, and many terms are competitive. However, none of the CDs are rate leaders. The highest rate is 3.50% APY on the 5-year and 7-year terms. PenFed’s short-term CD rates are also competitive with a 1-year CD earning 2.80% APY.

Advancial Credit Union also issued new rates for December. Its short-term CD rates went up slightly, but its long-term rates went down. Its short-term Jumbo CDs continue to be very competitive. The 1-year Jumbo CD (3.04% APY) is now the top 1-year CD rate that’s nationally available.

Andrews Federal Credit Union came out with a Black Friday CD special that is still available. It’s an 8-month CD with a 2.86% APY. It’s just a slightly better special than the 6-month Jumbo CD rate (2.85% APY) at Advancial. Andrews FCU continues to offer its 9-month CD special (2.75% APY) which it has been offering since July.

For long-term CDs, the only new noteworthy deal is the 40-month IRA CD special at Navy Federal Credit Union. This has a 3.75% APY, and it allows unlimited additional deposits for a maximum balance of $150k. Unfortunately, it’s not available as a regular CD (only an IRA CD).

We no longer have any nationally available 4% CDs. The last nationally available 4% CD was at Connexus Credit Union. That was a 5-year CD with a 4.00% APY. That deal ended on Black Friday. The rate is now 3.50% APY.

For local deals, we still have three institutions offering 4% CD. This is down from four two weeks ago. All three are 5-year CDs. They include Founders FCU in South Carolina (4.06% APY), Bank of Utica in New York State (4.00% APY) and The Fahey Banking Company in Ohio (4.00% APY).

The highest nationally available 5-year CD rate is now 3.75% APY, and it’s available at Greenwood Credit Union which has easy membership requirements. The highest 5-year direct CD rate from a bank is 3.51% APY. This is available at KS StateBank and at State Bank of India of Chicago.

Long-term Brokered CD rates went down some from two weeks ago, but they are still very competitive when compared to the direct CDs. For 5-year terms, both Fidelity and Vanguard had new-issue, non-callable CDs with rates as high as 3.55%.

Just like the Treasury yield curve flattening, we’re seeing this with brokered CD rates. Short-term brokered CD rates went up from two weeks ago while the long-term rates went down.

Savings & Checking Account Rates

I have just one quick note about the top savings account rate. MySavingsDirect has just regained the top spot for nationally available savings accounts. The savings account rate increased 5 bps to 2.40% APY.

My next update on all of the top savings and money market accounts will be next week. Here's the link to last week's savings/checking account summary. You can always get the latest rates for savings/checking accounts and CDs by using our rate tables, available via the navigational menu on top.

Yields Accurate as of December 4, 2018

Under 1-Year CD Rates

InstitutionRatesNotes
Andrews Federal Credit Union2.86% ($1k) 8-month Certificate SpecialEMR See review
Advancial2.85% ($50k) 6-month Jumbo CertificateEMR See review
Andrews Federal Credit Union2.75% ($250k max) 9-month Certificate SpecialEMR See review
Advancial2.71% ($50k) 3-month Jumbo CertificateEMR See review
The Vanguard Group Brokered CD2.60% (APR) 9-month non-callable CDIssued by BoC, CENB, MBPA*
Fidelity Brokered CD2.60% (APR) 9-month non-callable CDIssued by BoC, CENB*
Service Credit Union2.50% ($1k) 9-month CertificateMilitary relationship See review
Fidelity Brokered CD2.50 (APR) 6-month non-callable CDIssued by BCNA, CBNA, SBoI, SMB*
The Vanguard Group Brokered CD2.50% (APR) 6-month non-callable CDIssued by BCNA, BoC, CBNA*
CD Bank2.45% ($10k) 9-month CDInternet bank See review
The Vanguard Group Brokered CD2.40% (APR) 3-month non-callable CDIssued by BoC*
Fidelity Brokered CD2.40% (APR) 3-month non-callable CDIssued by BCNA, BoC, SBoI, SMB*
DollarSavingsDirect2.35% ($1k) 6-month CDInternet bank See review
EmigrantDirect2.35% ($1k) 6-month CDInternet bank See review
MySavingsDirect2.35% ($1k) 6-month CDInternet bank See review
Communitywide FCU2.30% ($2k) 6-month Share CertificateEasy membership Account review
Live Oak Bank2.30% ($2.5k) 6-month CDInternet bank Account review
United Bank2.30% Advantage Money Market, 180-day rate guarantee25 states See review
CD Bank2.25% ($10k) 6-month CDInternet bank See review
Ally Bank2.25% ($25k), 2.10% ($5k) No-Penalty 11-month CDInternet bank See review
Customers Bank2.25% ($25k)Ascent Money Market Savings (rate guarantee through 6/30/2019 - Account review
Marcus by Goldman Sachs2.15% ($500) 13-month No-Penalty CDInternet bank See review
Chartway Federal Credit Union2.00% ($100) 12-month CD No PenaltyEasy membership See review

Noteworthy Local Deals - Under 1-Year CDs

UniBank for Savings2.75% ($2.5k) 8-month CD SpecialMassachusetts
Family First Federal Credit Union2.70% ($500) 7-month CD SpecialRochester, NY area See review
Westbury Bank2.60% ($500) 9-month CDEastern Wisconsin See review
Evergreen Bank Group2.55% ($10k) 9-month CD SpecialChicago metropolitan area See review
Advantage Federal Credit Union2.50% ($500) 5-month Share Certificate SpecialRochester, NY area See review
Waterstone Bank2.50% ($5k) 9-month CD SpecialWisconsin See review
Members Choice Credit Union2.45% ($50k) 9-month Jumbo CDHouston area See review
Arapahoe Credit Union2.40% ($100) 6-11 month CDEMR for Colorado residents See review
Bankers Trust Company2.35% (base rate) 7-month Promotional CDIowa and Arizona See review
Members Choice Credit Union2.35% 9-month CDHouston area See review
Ocean Bank2.35% ($2.5k) 9-month CD2 South Florida counties See review
Evergreen Bank Group2.25% ($10k) 7-month CD SpecialChicago metropolitan area See review
Bogota Savings Bank2.20% ($1k) 8-month CDNorthern New Jersey See review

1-Year CD Rates

Advancial3.04% ($50k) 1-year Jumbo CertificateEMR See review
MutualOne Bank2.89% ($500) 13-month Online CD See review
State Bank of India (IL)2.89% ($2.5k) 1-year Senior Citizen CD
State Bank of India2.88% ($25k) 12-month Senior Citizen CD See review
Virtual Bank2.86% ($10k) 12-month eCD See review
Popular Direct2.85% ($10k) 1-year Popular Direct CDInternet bank
PenFed Credit Union2.80% ($1k) 12-month Money Market CertificateEasy membership Account review
Limelight Bank2.80% ($1k) 12-month CDInternet bank See review
Live Oak Bank2.80% ($2.5k) 1-year CDInternet bank Account review
Connexus Credit Union2.80% ($5k) 12-month Share CertificateEMR See review
Fidelity Brokered CD2.80% (APR) 1-year non-callable CDIssued by PKWBT, SToI*
State Bank of India (IL)2.78% ($2.5k) 1-year Senior Citizen CD
Ally Bank2.75% (no minimum) 14-month Select CDInternet bank See review
KS StateBank2.75% ($500) 1-year CD See review
Fort Knox Federal Credit Union2.75% ($500) 14-month CD SpecialEasy membership
KS StateBank2.75% ($100k) 1-year Jumbo CD Internet Only Special See review
The Vanguard Group Brokered CD2.75% (APR) 1-year non-callable CDIssued by BoC, NBMA, TXCB*
NASB2.74% ($1k) 12-month Online CD Special See review
First Internet Bank2.73% ($1k) 12-month CDInternet bank See review
TIAA Bank2.73% ($5k) 1-year Yield Pledge CD Internet bank See review
CD Bank2.72% ($10k) 12-month CDInternet bank See review
Vio Bank2.71% ($500) 12-month High Yield Online CD Internet bank See review
SallieMae Bank2.70% ($2.5k) 12-month CDAccount review
M.Y. Safra Bank2.70% ($5k) 12-month Online Promo CD See review
Alliant Credit Union2.70% ($25k) 12-17 month Jumbo Share CertificateInternet bank See review
BankPurely2.65% ($1k) 12-month PurelyCDInternet bank See review
iGObanking2.65% ($1k) 12-month iGOCD See review
GTE Financial2.53% ($100k), 2.27% ($500) 12-month Add-On Promo CDEasy membership See review

Noteworthy Local Deals - 1-Year CDs

Home Loan Investment Bank3.15% ($100k) 14-month in-branch CDConnecticut, Massachusetts, Rhode Island See review
Texas Exchange Bank3.01% ($10k) 12-month New Money CDTexas See review
Liberty Bank3.00% ($500) 12-month CD SpecialConnecticut See review
Associated Credit Union of Texas3.00% ($500) 13-month New Money CD9 Texas counties See review
General Electric Credit Union2.90% ($100k) 1-year Jumbo Certificate Special16 Ohio, 5 Kentucky, and 5 Indiana counties See review
Pelican State Credit Union2.90% ($500) 12-month CDEasy membership for AR, LA, MS, and TX See review
United Federal Credit Union2.90% ($500) 14-month Certificate SpecialEMR for AR, IN, MI, NV, NC, OH, OK See review
Community Credit Union2.85% ($25k), 2.65% ($1k) 13-month CD Special6 central Florida counties See review
First Florida Credit Union2.89% ($50k) 13-month CD Special29 Florida counties See review
Community Credit Union2.85% ($25k), 2.65% ($1k) 13-month CD Special6 central Florida counties See review
First United2.85% ($50k) 14-month Performance CD13 Oklahoma and 16 Texas counties See review
Centris Credit Union2.84% ($90k) 14-month Jumbo CD3 Nebraska and 1 Iowa counties See review
Navy Army Community Credit Union2.83% ($1k) 13-month CD Special8 South Texas counties See review
Aurora Schools Federal Credit Union2.75% ($5k) 12-month Certificate SpecialEasy membership for Colorado residents See review
Genisys Credit Union2.75% ($500) 13-month Share Certificate SpecialMichigan, and 1 Pennsylvania and 6 Minnesota counties See review
North Shore Bank2.75% ($5k) 13-month CD PromoEastern Wisconsin See review
Affiliated Bank2.75% ($10k) 13-month CD SpecialDallas, Tarrant, and Travis Counties, Texas See review
3Rivers Federal Credit Union2.75% ($20k) 13-month CD Special7 northeast Indiana counties See review
American Eagle Bank of Chicago2.75% ($1k) 14-month New Money Step Up CDCook and Kane Counties, Illinois See review

18-month CD Rates

United Bank3.15% ($500) 19-month Flex Up CD25 states See review
Advancial3.14% ($50k) 18-month Jumbo CertificateEMR See review
Veridian Credit Union3.05% ($100k) 18-month Bump-Up Jumbo CDEasy membership Account review
MutualOne Bank3.04% ($1k) 19-month CD See review
Kinecta Credit Union3.00% ($1k) 18-month Promo Share CertificateEMR See review
McGraw-Hill Federal Credit Union3.00% ($1k) 19-month CD PromoEMR See review
Live Oak Bank2.90% ($2.5k) 18-month CDAccount review
Union Bank2.90% ($10k) 18-23 month CDSee review
State Bank of India (IL)2.89% ($2.5k) 15-month CD Special
Veridian Credit Union2.85% ($1k) 18-month Bump-Up CDEasy membership Account review
Limelight Bank2.85% ($1k) 18-month CDInternet bank See review
Popular Direct2.85% ($10k) 18-month Popular Direct CDInternet bank
KS StateBank2.85% ($100k) 18-month Jumbo CD Internet Only Special See review
Consumers Credit Union2.85% ($100k) 15-month Jumbo CD SpecialEasy membership Account review
Fidelity Brokered CD2.85% (APR) 18-month non-callable CDIssued by BoA, BoLX, CITB, DIS, WFB*
The Vanguard Group Brokered CD2.85% (APR) 18-month non-callable CDIssued by BoA, CITB, DIS, WFB*
First Internet Bank2.84% ($1k) 18-month CDInternet bank See review
Vio Bank2.80% ($500) 18-month High Yield Online CD Internet bank See review
Pacific National Bank2.80% ($1k) 18-month Online Promo CD Internet bank See review
Latino Credit Union2.80% ($200k) 18-month Jumbo CD Easy membership See review
GTE Financial2.78% ($100k) 2.53% ($500) 18-month Add-On Promo CDEasy membership See review
Consumers Credit Union2.75% ($250) 15-month CD SpecialEasy membership Account review
Service Credit Union2.75% ($1k) 15-month CD SpecialMilitary relationship See review
NASA Federal Credit Union2.75% ($5k) 15-months Share CertificateEasy membership See review
CommunityWide Federal Credit Union2.75% ($2k) 18-month Share CertificateEasy membership Account review
CD Bank2.75% ($10k) 18-month CDInternet bank See review
Ally Bank2.26% (3.10% High Yield 5-Year CD closed after 18 months)See review

Noteworthy Local Deals - 18-Month CDs

American Eagle Financial Credit Union3.15% ($1k) 15-month Certificate4 Connecticut counties See review
Rhode Island Credit Union3.05% ($500) 18-month CDRhode Island
Amplify Credit Union3.03% ($500) 18-month CDEasy membership for Texas residents Account review
Provident Credit Union3.01% ($10k) 18-month Term Share Certificate10 northern California counties, plus City of Los Angeles Account review
Pawtucket Credit Union3.00% ($1k) 15-month CDRhode Island, Massachusetts, Connecticut See review
FORUM Credit Union3.00% ($500) 18-month CD8 Indiana counties (Indianapolis)
IBM Southeast Employees Federal Credit Union3.00% ($1k) 18-month Promotional Certificate8 Florida and 12 Georgia counties Account review
Consumers Credit Union3.00% ($1k) 19-month Grand Opening CDMichigan's Lower Peninsula Account review
Homeland Credit Union3.00% ($75k) 18-month Jumbo CD9 Ohio counties See review
Community First Credit Union2.90% ($10k) 19-month CD Special13 northeastern Wisconsin counties See review
University of Iowa Community Credit Union2.90%($100k), 2.80% ($10k), 2.70% ($1k) 15-month CD Special All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Homeland Credit Union2.85% ($500) 18-month CD9 Ohio counties See review
Cross River Bank2.79% ($500) 18-month CDNew Jersey See review
NEFCU2.75%($1k) 18-month Penalty Free Certificate Nassau and Suffolk Counties, New York See review

2-Year CD Rates

Academy Bank3.19% ($500) 24-month Bonus Rate CD Special See review
Community Financial Services Bank3.19% ($1k) 29-month CD Special See review
Advancial3.19% ($50k) 2-year Jumbo CertificateEMR See review
ConnectOne Bank3.15% ($500) 23-month Online CD See review
Latino Credit Union3.15% ($200k) 24-month Jumbo CD Easy membership See review
State Bank of India (IL)3.14% ($2.5k) 1-year Senior Citizen CD
State Bank of India3.14% ($25k) 2-year Senior Citizen CD See review
KS StateBank3.10% ($500) 2-year CD See review
KS StateBank3.10% ($100k) 2-year Jumbo CD Internet Only Special See review
Fidelity Brokered CD3.10% (APR) 2-year non-callable CDIssued by WFB*
The Vanguard Group Brokered CD3.10% (APR) 2-year non-callable CDIssued by WFB*
Virtual Bank3.06% ($10k) 24-month eCD See review
Popular Direct3.05% ($10k) 2-year Popular Direct CDInternet bank See review
Langley Federal Credit Union3.04% ($50k) 29-month Jumbo Promotional CertificateEasy membership See review
Georgia Banking Company3.00% ($500) 2-year Certificate See review
Greenwood Credit Union3.00% ($1k) 24-month CDEMR See review
Live Oak Bank3.00% ($2.5k) 2-year CDInternet bank Account review
Connexus Credit Union3.00% ($5k) 24-month Share CertificateEMR See review
Navy Federal Credit Union3.00% ($10k) 24-month CD SpecialMilitary relationship See review
CD Bank3.00% ($10k) 24-month CDInternet bank See review
NASB2.94% ($1k) 24-month Online CD Special See review
First Internet Bank2.94% ($1k) 24-month CDInternet bank See review
GTE Financial2.94% ($100k) 2.68% ($500) 24-month Add-On Promo CDEasy membership See review
M.Y. Safra Bank2.91% ($5k) 24-month Online Promo CD See review
CommunityWide Federal Credit Union2.90% ($2k) 24-month Share CertificateEasy membership Account review
SallieMae Bank2.90% ($2.5k) 24-month CDAccount review
Ally Bank2.47% (3.10% High Yield 5-Year CD closed after 2 years)See review

Noteworthy Local Deals - 2-Year CDs

Sun East Federal Credit Union3.50% ($500) 27-month CD SpecialPortions of PA, DE, MD, NJ, and NY See review
Ocean State Credit Union3.30% ($1k) 2-year CD SpecialEasy membership, but requires in-branch visit See review
American Eagle Financial Credit Union3.25% ($1k) 24-month Certificate4 Connecticut counties See review
Mutual Security Credit Union3.25% ($2.5k) 22-month CD Special3 Connecticut counties See review
Pelican State Credit Union3.20% ($500) 24-month CDEasy membership for AR, LA, MS, and TX See review
First United3.20% ($50k) 21-month Performance CD13 Oklahoma and 16 Texas counties See review
Union Bank & Trust3.15% ($25k), 3.04% ($1k) 27-month CD SpecialCO, IA, KS, MO, NE, and SD See review
Evergreen Bank Group3.05% ($10k) 29-month CD SpecialChicago metropolitan area See review
First Advantage Bank3.03% ($10k) 24-month CD SpecialTennessee and Kentucky See review
Navigant Credit Union3.00% ($500) 23-month CDRhode Island, Connecticut, Massachusetts Account review
Franklin Mint Federal Credit Union3.00% ($500) 24-month CD Special3 SE Pennsylvania and 1 Delaware counties See review
F&M Bank3.00% ($1k) 24-month My Choice CD7 middle Tennessee counties See review
First Eagle Bank3.00% ($2.5k) 24-month CD SpecialConnecticut See review
National Bank of New York City3.00% ($2.5k) 24-29 month CDNYC, Long Island, Westchester See review
Midwest BankCentre3.00% ($5k) 24-month CD SpecialGreater St. Louis metro area See review
The First State Bank3.00% ($5k) 2-year CD5 central Oklahoma counties See review
General Electric Credit Union3.00% ($100k) 2-year Jumbo Certificate Special16 Ohio, 5 Kentucky, and 5 Indiana counties See review
St. Jean's Credit Union3.00% ($500) 25-month CD Special3 Massachusetts counties See review
Pawtucket Credit Union3.00% ($1k) 25-month CD SpecialRhode Island and portions of Massachussets and Connecticut Account review
Blue Hills Bank3.00% ($500) 29-month Flexible CDEastern Massachusetts Account review

3-Year CD Rates

Navy Federal Credit Union3.75% ($50) 40-month IRA Certificate Special Military relationship See review
Veridian Credit Union3.45% ($100k) 41-month Bump Up Jumbo CD Special Easy membership See review
Mountain America Credit Union3.35% ($500) 3-year Term DepositEasy membership See review
ableBanking3.30% ($1k) 3-year CDInternet bank See review
Popular Direct3.30% ($10k) 3-year Popular Direct CDInternet bank See review
M.Y. Safra Bank3.26% ($5k) 36-month Online Promo CD See review
KS StateBank3.25% ($500) 3-year CD See review
State Bank of India (IL)3.25% ($2.5k) 3-year CD
Latino Credit Union3.25% ($200k) 36-month Jumbo CD Easy membership See review
Veridian Credit Union3.25% ($1k) 41-month Bump Up CD Special Easy membershipSee review
KS StateBank3.25% ($100k) 3-year Jumbo CD Internet Only SpecialSee review
Fidelity Brokered CD3.25% (APR) 3-year non-callable CDIssued by DIS, GSB, WFB*
The Vanguard Group Brokered CD3.25% (APR) 3-year non-callable CDIssued by ALLY, DIS, GSB, WFB*
Advancial3.24% ($50k) 3-year Jumbo CertificateEMR See review
Connexus Credit Union3.20% ($5k) 36-month Share CertificateEMR See review
Greenwood Credit Union3.15% ($1k) 30-month CDNational online application now available Account review
First Financial Northwest Bank3.10% ($100k) 2.85% ($25k) 36-month CD See review
Live Oak Bank3.05% ($2.5k) 3-year CDInternet bank Account review
Citizens Access3.05% ($5k) 36-month CDInternet bank Account review
First Internet Bank3.04% ($1k) 36-month CDInternet bank See review
GTE Financial3.04% ($100k) 2.78% ($500) 30-month Add-On Promo CDEasy membership See review
Virtual Bank3.01% ($10k) 36-month eCD See review
Ally Bank2.69% (3.10% High Yield 5-Year CD closed after 3 years)See review

Noteworthy Local Deals - 3-Year CDs

Credit Union One of Oklahoma3.56% ($2.5k-$100k) 35-month Promotional Share Certificate6 Oklahoma counties See review
Northeast Credit Union3.50 ($1k) 35-month Share Certificate New Hampshire and south York County, Maine See review
Pelican State Credit Union3.50% ($500) 36-month CDEasy membership for AR, LA, MS, and TX See review
Solvay Bank3.50% ($500) 36-month CD Special w/checking6 central New York counties See review
Centris Credit Union3.41% ($90k) 40-month Jumbo CD3 Nebraska and 1 Iowa counties See review
University of Iowa Community Credit Union3.40%($100k), 3.40% ($10k), 3.20% ($1k) 35-month Bump Option CD Special All of Iowa and 4 Illinois counties, University of Iowa relationship See review
1st MidAmerica Credit Union3.39% ($1k) 35-month CD21 southern Illinois and 1 Missouri counties
Franklin Mint Federal Credit Union3.36% ($500) 36-month CDEasy membership for Pennsylvania and Delaware See review
Cobalt Credit Union3.35% ($1k) 30-month Certificate Special5 Nebraska and 9 Iowa counties See review
Four Points Federal Credit Union3.35% ($10k) 30-month Certificate PromotionEasy membership for AR, IN, MI, NV, NC, OH, and OK See review
First United3.35% ($50k) 30-month Performance CD13 Oklahoma and 16 Texas counties See review
Tinker Federal Credit Union3.35% ($1k) 33-month Special Term Certificate3 Oklahoma counties See review
Navy Army Community Credit Union3.33% ($1k) 30-month CD8 South Texas counties See review
General Electric Credit Union3.33% ($500) 33-month Share Certificate16 Ohio, 5 Kentucky, and 5 Indiana counties See review
National Bank of New York City3.30% ($2.5k) 36-41 month CDNYC, Long Island, Westchester See review
Cross River Bank3.25% ($500) 36-month CDNew Jersey See review
TruMark Financial Credit Union3.20% ($75k) 36-month Jumbo CD5 SE Pennsylvania counties See review

4-Year CD Rates

State Bank of India3.44% ($25k) 4-year Senior Citizen CD See review
KS StateBank3.40% ($500) 4-year CD See review
ableBanking3.40% ($1k) 4-year CDInternet bank See review
KS StateBank3.40% ($100k) 4-year Jumbo CD Internet Only Special See review
Fidelity Brokered CD3.40% (APR) 4-year non-callable CDIssued by GSB, WFB*
The Vanguard Group Brokered CD3.40 (APR) 4-year non-callable CDIssued by GSB, WFB*
Community Financial Services Bank3.39% ($1k) 49-month CD Special See review
Georgia Banking Company3.35% ($500) 4-year Certificate See review
Popular Direct3.35% ($10k) 4-year Popular Direct CDInternet bank See review
Consumers Credit Union3.35% ($100k) 45-month Jumbo CD SpecialEasy membership Account review
Advancial3.30% ($50k) 4-year Jumbo CertificateEMR See review
Latino Credit Union3.30% ($200k) 48-month Jumbo CD Easy membership See review
Consumers Credit Union3.25% ($250) 45-month CD SpecialEasy membership Account review
First Financial Northwest Bank3.25% ($100k) 3.00% ($25k) 48-month CD See review
Connexus Credit Union3.20% ($5k) 42-month Share CertificateEMR See review
Third Federal Savings & Loan3.15% ($500) 45-month CD Special See review
Main Street Bank (MI)3.15% ($500) 48-month CD See review
First Internet Bank3.14% ($1k) 48-month CDInternet bank See review
Ally Bank2.80% (3.10% High Yield 5-Year CD closed after 4 years)See review

Noteworthy Local Deals - 4-Year CDs

Northeast Credit Union3.82% ($500) 48-month Share CertificateNew Hampshire and south York County, Maine See review
Pelican State Credit Union3.61% ($500) 48-month CDEasy membership for AR, LA, MS, and TX See review
Cross River Bank3.56% ($500) 48-month CDNew Jersey See review
Tech Credit Union3.557% ($100k) 50-month Jumbo Compound CD4 NW Indiana and 2 NE Illinois counties See review
Bank of Utica3.50% ($500) 4-year to 5-year CD 3 upstate New York counties See review
The Fahey Banking Company3.50% ($500) 48-month CD w/qualifying Kasasa checkingOhio See review
Tech Credit Union3.428% 50-month Premium Compound CD4 NW Indiana and 2 NE Illinois counties See review
United Federal Credit Union3.40% ($500) 48-month Certificate SpecialEMR for AR, IN, MI, NV, NC, OH, OK See review
National Bank of New York City3.40% ($2.5k) 48-53 month CDNYC, Long Island, Westchester See review
National Bank of New York City3.35% ($2.5k) 42-47 month CDNYC, Long Island, Westchester See review
Campus Federal3.30% ($1k) 48-month CDEasy membership for Louisiana residents
Lewis Clark Union3.26% 48-month Share Certificate4 Idaho and 3 Washington counties See review
P1FCU3.25% ($500) 48-month Share Certificate12 Idaho and 2 Washington counties See review
Rocky Mountain Credit Union3.25% ($1k) 48-month Share Certificate8 southwest Montana counties See review
First Service Credit Union3.25% ($50k), 3.15% ($1k) 48-month CertificateFort Bank, Harris, and Waller Counties, Texas See review
TruMark Financial Credit Union3.25% ($75k) 48-month Jumbo CD5 SE Pennsylvania counties See review
Meridian Bank3.05% ($500) 48-month CDSoutheastern Pennsylvania See review

5-Year CD Rates

United States Senate Federal Credit Union3.63% ($60k), 3.57% ($20k), 3.51% ($1k) 60-month CDEasy membership
Fidelity Brokered CD3.55% (APR) 5-year non-callable CDIssued by GSB, WFB*
The Vanguard Group Brokered CD3.55% (APR) 5-year non-callable CDIssued by GSB, WFB*
Mountain America Credit Union3.51% ($500) 5-year Term DepositEasy membership See review
KS StateBank3.51% ($500) 5-year CD See review
State Bank of India (IL)3.51% ($2.5k) 5-year CD
Mountain America Credit Union3.51% ($100k max) 5-year Term Deposit Plus (unlimited additional deposit)Easy membership See review
Michigan State University Federal Credit Union3.51% ($100k) 5-year Jumbo CDEasy membership See review
Third Federal Savings & Loan3.50% ($500) 59-month CD Special See review
Georgia Banking Company3.50% ($500) 5-year Certificate See review
Utah First Credit Union3.50% ($500) 60-month CDEasy membership
PenFed Credit Union3.50% ($1k) 5-year Money Market CertificateEasy membership See review
McGraw-Hill Federal Credit Union3.50% ($1k) 60-month CD PromoEMR See review
Connexus Credit Union3.50% ($5k) 60-month Share CertificateEMR See review
Popular Direct3.50% ($10k) 5-year Popular Direct CDInternet bank See review
State Bank of India3.49% ($25k) 5-year Senior Citizen CD See review
Advancial3.38% ($50k) 5-year Jumbo CertificateEMR See review
First Internet Bank3.35% ($1k) 60-month CDInternet bank See review
M.Y. Safra Bank3.35% ($5k) 60-month Online Promo CD See review
Latino Credit Union3.35% ($200k) 60-month Jumbo CD Easy membership See review
MutualOne Bank3.30% ($5k) 61-month CDSee review
Greenwood Credit Union3.00% ($1k) 60-month CDEMR See review

Noteworthy Local Deals - 5-Year CDs

Founders Federal Credit Union4.06% ($500) 60-month Share CertificateSouth Carolina See review
Bank of Utica4.00% ($500) 5-year CD 3 upstate New York counties See review
The Fahey Banking Company4.00% ($500) 60-month CD w/qualifying Kasasa checkingOhio See review
First Guaranty Bank3.75% ($500) 5-year CD Special9 Louisiana parishes and 5 Texas counties See review
Pelican State Credit Union3.71% ($500) 60-month CDEasy membership for AR, LA, MS, and TX See review
Alaska USA Federal Credit Union3.70% ($250k), 3.55% ($100k), 3.45% ($50k), 3.35% ($25k), 3.30% ($10k) 60-month CDAlaska, Washington, San Bernardino County (CA), Maricopa County (AZ) See review
Texas Bay Credit Union3.56% ($50k) 60-month Jumbo CertificateGreater Houston metro area See review
Mercantil Bank3.50% ($500) 60-month Online CDFlorida and Texas See review
Rocky Mountain Credit Union3.50% ($1k) 60-month Share Certificate8 Montana counties See review
Knoxville TVA Employees Credit Union3.50% ($2.5k) 60-month Certificate Special (new money)8 east Tennessee counties See review
BMO Harris Bank3.50% ($5k) 60-month Special Rate CDAZ, FL, IL, IN, KS, MN, MO, and WI See review
National Bank of New York City3.45% ($2.5k) 54-59 month CDNYC, Long Island, Westchester See review
Knoxville TVA Employees Credit Union3.40% ($2.5k) 60-month Certificate Special (not new money)8 east Tennessee counties See review
Texas Bay Credit Union3.35% ($1k) 60-month CertificateGreater Houston metro area See review
Lewis Clark Union3.35% 60-month Share Certificate4 Idaho and 3 Washington counties See review
P1FCU3.35% ($500) 60-month Share Certificate12 Idaho and 2 Washington counties See review

Over 5-Year CD Rates

Michigan State University Federal Credit Union3.76% ($100k) 7-year Jumbo CD Easy membership See review
The Vanguard Group Brokered CD3.65% (APR) 7-year non-callable CDIssued by GSB*
Fidelity Brokered CD3.65% (APR) 10-year non-callable CDIssued by GSB*
KS StateBank3.60% ($500) 7-year CD See review
The Vanguard Group Brokered CD3.60% (APR) 10-year non-callable CDIssued by GSB*
Fidelity Brokered CD3.60% (APR) 7-year non-callable CDIssued by GSB*
First National Bank of America3.55% ($1k) 84-month Time CD
PenFed Credit Union3.50% ($1k) 7-year Money Market CertificateEasy membership See review
M.Y. Safra Bank3.35% ($5k) 72-month Online Promo CD See review
AFFCU (formerly Air Force Federal Credit Union)3.20% ($2.5k) 7-year CD Easy membership See review
Navy Federal Credit Union3.25% ($100k), 3.10% ($1k) 7-year CDMilitary relationship See review
Marcus by Goldman Sachs3.15% ($500) 6-year High Yield CD
Navy Federal Credit Union3.15% ($100k), 3.05% ($1k) 6-year CDMilitary relationship See review
Vio Bank3.15% ($500) 120-month High Yield Online CD Internet bank See review
Apple Federal Credit Union3.15% ($500) 120-month CD
Vio Bank3.10% ($500) 84-month High Yield Online CD Internet bank See review

Noteworthy Local Deals - Over 5-year CDs

Lebanon Federal Credit Union3.51% ($500) 66-month CD SpecialLebanon County, Pennsylvania
Credit Human (formerly San Antonio Federal Credit Union)3.35% ($1k) 120-month Share CertificateSan Antonio, TX
Kemba Credit Union3.25% ($500) 72-month CD Special14 SW Ohio, 8 northern Kentucky, 2 SE Indiana counties Account review
Fairfax County Credit Union3.25% ($2.75) 72-month Share CertificateFairfax County, Virginia Account review
Gesa Credit Union3.25% ($500) 84-month CertificateWashington State Account review
Roselle Savings Bank3.25% ($1k) 84-month CD7 Northern New Jersey counties
Randolph-Brooks Credit Union3.25% ($1k) 84-month CDSan Antonio and Austin, TX, relationship to Randolph Air Force Base
Security Service Federal Credit Union3.25% ($50k), 3.20% ($25k), 3.15% ($500) 7-year CDSelect areas in Texas, Colorado, and Utah
Afena Credit Union3.20% ($100k) 84-months Share CertificateGrant and Wabash Counties, IN

*ALLY (Ally Bank), BCNA (Banc Calif NA), BOA, (Bank of America), BoC (Bank of China), BoLX (Bank of Lexington), CBNA (Citizens Bank NA), CENB (Centric Bank Harrisburg PA), CITB (CIT Bank), DIS (Discover Bank), GSB (GS Bank), MBPA (Meridian Bank PA), NBMA (Needham Bank MA), PKWBT (Parkway B&T IL), SMB (SallieMae Bank), SToI (State Bank of India), TXCB (Texas Capital Bank), WFB (Wells Fargo Bank)

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

Great Lakes Credit Union7.00% ($1k min/$7k max) 7-month 7-7-7 Share CertificateEMR See review
Montgomery County Employees Federal Credit Union2.53% ($1k) 9-month Share Certificate SpecialEasy membership See review
Luther Burbank Savings2.83% ($1k) 18-month Step Up CD See review
Synchrony Bank2.75% ($2k) 15-month CD Internet bank See review
Kinecta Credit Union2.75% ($1k) 15-month Promotional CDEMR See review

CDs Removed, No Longer Available - Local

Asian Bank2.88% ($1k) 4-month CD SpecialPortions of DE, PA, NJ, and NYC
Ocean State Credit Union2.80% ($1k) 1-year CD SpecialEasy membership, but requires in-branch visit See review
CoVantage Credit Union3.25% ($5k) 17-month Certificate Special19 northeast Wisconsin and 2 Michigan UP counties See review
Fox Communities Credit Union3.08% ($10k) 15-month CD Special12 northeast Wisconsin counties See review
Tremont Credit Union3.08% ($10k) 15-month CD Special3 Massachusetts counties See review
United Federal Credit Union3.00% ($500) 16-month Certificate SpecialEMR for AR, IN, MI, NV, NC, OH, OK See review
Washington Trust Company3.00% ($500) 18-month Promotional CD w/checkingRhode Island, Connecticut, Massachsetts See review
Cyprus Credit Union2.90%($1k) 18-month 90th Anniversary Certificate Special Easy membership for Utah residents See review
University of Iowa Community Credit Union2.90%($100k), 2.80% ($10k), 2.70% ($1k) 19-month CD Special All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Core Bank3.00% ($10k or $25k) 23-month CD SpecialNebraska and Kansas See review
IBM Southeast Employees Federal Credit Union3.05% ($1k) 26-month Promotional Certificate8 Florida and 12 Georgia counties Account review
Pathways Financial Credit Union4.00 ($10k) 40-month Certificate Special 7 central Ohio counties See review
Pathways Financial Credit Union3.50 ($10k) 30-month Certificate Special 7 central Ohio counties See review
University of Iowa Community Credit Union3.40%($100k), 3.30% ($10k), 3.20% ($1k) 39-month Bump Option CD Special All of Iowa and 4 Illinois counties, University of Iowa relationship See review
United Federal Credit Union3.20% ($500) 36-month Certificate SpecialEMR for AR, IN, MI, NV, NC, OH, OK See review
United Federal Credit Union3.40% ($500) 46-month Certificate SpecialEMR for AR, IN, MI, NV, NC, OH, OK See review

CDs Removed, Rate Too Low - National

Greenwood Credit Union2.50% ($1k) 12-month CDEMR See review
Banc of California2.70% ($25k) 18-month CDAccount review

CDs Removed, Rate Too Low - Local

Texas Exchange Bank1.55% ($10k) 24-month New Money CDTexas See review
Teachers Credit Union2.48% ($2.5k) 22-month Share Certificate SpecialIndiana and 2 southwest Michigan counties See review
Firelands Federal Credit Union2.60% ($500) 48-month Share Certificate5 north-central Ohio counties See review
Arapahoe Credit Union3.30% ($100) 60-month CertificateEasy membership for Colorado residents See review
Firelands Federal Credit Union3.00% ($500) 60-month Share Certificate5 north-central Ohio counties See review

Post Publication Edits

12/5/2018: Virtual Bank 12-month eCD rate raised.

12/6/2018: Greenwood CU 60-month CD rate lowered.

Related Pages: money market accounts, 1-year CD rates, 5-year CD rates, IRA CD rates, nationwide deals, Internet banks
Comments
Keith
Keith   |     |   Comment #1
What about NewCenturyBank? They are advertising better cd rates than most of the banks and credit unions listed here. Is there something I’m missing with this bank?
topsyturvy
topsyturvy   |     |   Comment #5
it is an odd bank, they seem to require written application. also, their EWP is 2 years!
rockies
rockies   |     |   Comment #7
Keith, as Ken points out in his write up "Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. New Century Bank has a low asset base." Having said that, I did reach out to them late last week. Here are a few other points in addition to topsyturvy's heads up on the 2 year EWP. No partial early withdrawals permitted. New Century reserves the right to not grant a request for any early withdrawal. CD's may only be held outside an IRA; there is no equivalent IRA CD. They do permit multiple CD's. There is no maximum investment per CD, but FDIC insurance limits apply. I think they could easily be buried by DA fans, so plan to be very patient if you decide to do something with them.
Ken Tumin
Ken Tumin   |     |   Comment #13
I just learned that New Century Bank is no longer offering the 4.01% on its 5-year CD. We'll be removing it from our listings asap.
Robb
Robb   |     |   Comment #2
Good to see Navy FCU back on the leader board even if it's on an IRA only deal.
Dunmovin
Dunmovin   |     |   Comment #4
Robb...only an “add-on” IRA CD. Hello, ken!
HighYield
HighYield   |     |   Comment #3
Thank you Ken. Excellent commentary, as always. And thanks for the heads-up about MySavingsDirect.com. I'm going all in, and will ride that 2.40% "savings train" till the end. :) They also have a short-term 6-month CD (2.35%) for the ultra-conservative old guys, like me. I hope that goes up too.
--Fred Mertz
DAfan
DAfan   |     |   Comment #6
Midflorida 3.00% 18 month CD
Michael Flynn
Michael Flynn   |     |   Comment #8
What are the CD rates at New Century Bank?
MidAtlantic
MidAtlantic   |     |   Comment #9
Ken describes the latest PenFed CD rates as disappointing and comments elsewhere are generally negative. However, the 5-year CD at 3.5% is the 4th highest rate on the search here. Three of the higher ones are 3.51%, then it goes 3.57% and the highest is 3.6%. In that context the rate is good. I know there are issues about their EWP, but overall PenFed remains well in line with the competition. I know there is a whole different issue about whether to go for 5 years at this point.
Trump Crash
Trump Crash   |     |   Comment #10
The right time to buy a 5 year CD was six months ago at 4%+.
Att
Att   |     |   Comment #14
We already had 4% CDs offered recently for 5 years (Connexus was one of them and I opened a 5 year with them) and every once in a while some institution offers a rate that is significant enough to open a CD, just like the old Penfed. . I'm pulling my money out of Penfed and let's see if the Fed raises rates and see if CD rates go up. Competition is a good thing
dim t
dim t   |     |   Comment #35
Yes Att.

That is what six months ago means, in the past.
Robb
Robb   |     |   Comment #15
That extreme EWP would definitely keep me away and is a big negative. If rates do go up over the next couple of years it would take a long time to break even if you were to break the CD. Can't see rewarding any institution for such a harsh EWP unless you were compensated with an extremely great rate which this is not.
Mak
Mak   |     |   Comment #22
Robb, I don't like the EWP either but I don't think banks offer CDs with the intent on having them broken so I can understand the higher EWPs... also the 10 year bond is yielding 2.9% so a 3.5% CD is much better even after factoring in the state tax benefit.
Robb
Robb   |     |   Comment #38
Mak there have been plenty of CDs offered earlier this year at rates above 3.5% with a 6 month EWP which have been much more attractive versus this PenFed deal. Got to pick your spots carefully.
Mak
Mak   |     |   Comment #39
Robb, I ladder so I always have CDs coming due so I don't worry too much about the EWP ... Lately I've done the USSFC 3.63%, Garden State 4.08%, Connexus 4%, the Nasa 15 month 3.25% and I just opened one yesterday that I found a couple days ago at TruWest credit union 19 month 3.25%.
Milty
Milty   |     |   Comment #11
The Sun East FCU CD ([email protected]%) appears to be available nationally with an easy membership path involving a $10 donation. Applying online is fairly smooth, but accessing a CSR can be slow at times.
alan1
alan1   |     |   Comment #12
#11 -- please elaborate on national availability. According to depositaccounts.com "Field of Membership Restrictions" and the "Related Posts" under "27 Month CD Special For 3.5% APY - New Money Only - 10/31/2018" that does not appear to be the case. People have reported that they were not able to join Sun East FCU because of geographical restrictions.
https://www.depositaccounts.com/banks/sun-east-cu.html

Thanks.
Milty
Milty   |     |   Comment #16
Sorry, I originally posted before I saw those reviews regarding regional exclusions. However, just spoke to SECU and supposedly those exclusions have been recently lifted. I suggest those interested contact Sun East for their particular case.
rockies
rockies   |     |   Comment #17
Ken notes in this post "The highest nationally available 5-year CD rate is now 3.75% APY, and it’s available at Greenwood Credit Union which has easy membership requirements." Just a reminder that "While all Greenwood CU CDs are available as IRAs (Traditional, Roth, CESA, and SEP), opening an IRA or trust account requires an in-branch visit." (as mentioned in Ken's November 6th post entitled 12 Month CD At Greenwood Credit Union). Therefore the practical reality is that this CD is only nationally available outside an IRA.....not inside an IRA
kman
kman   |     |   Comment #19
Looks like they just lowered it to 3%.
alan1
alan1   |     |   Comment #18
Greenwood's 5-year CD with an APY of the 3.75% may no longer be available. That offer is still listed on the credit union website's home page. However, the rate sheet lists an APY of 3.00%.

https://www.greenwoodcu.org/gcu-rates/certificate-of-deposits/
gregk
gregk   |     |   Comment #20
Has the window on higher long-term CD rates closed now? I went all in on the Keesler 7 month (maturing in March), and the Ally bonus offer (4 accounts variously jointly owned, - with the money tied up until mid-January), thinking 5 year CD rates would still be on the rise early next year. But now I wonder. I may even renew all my maturing PenFed CD's in late January at 3.50% ( if the rate hasn't dropped by then). What a capitulation that would be. Grudging acknowledgement that those who grabbed 4% when they could might have done right. Even the 3.75% offer is off the table now. Is there any hope?
lou
lou   |     |   Comment #21
Over the yrs when people would tell me they knew where interest rates were going, I would always tell them how come you don't take that information and make millions investing in treasury futures. The answer is because no one knows.

So the question is: Has the economy slowed or is it experiencing some temporary bumpiness. I have a hunch the tariff issue will be beneficially resolved in the next 6 months and since there doesn't seem to be any other headwinds I can discern, the economy should remain healthy for the immediate future. As such, I still think we are going to see good CD deals in 2019. Hopefully, because a good economy is good for everyone, this is not wishful thinking.
Mak
Mak   |     |   Comment #23
Exactly why I ladder
Brokered CD Bum
Brokered CD Bum   |     |   Comment #24
This is a reminder that APR does not equal APY. The following are the APY for equivalent total interest returned on the highest APR brokered CDs.

3.10% APR 2YR = 3.05% APY 2YR
3.25% APR 3YR = 3.14% APY 3YR
3.40% APR 4YR = 3.23% APY 4YR
3.55% APR 5YR = 3.32% APY 5YR
3.65% APR 7YR = 3.30% APY 7YR
3.65% APR 10YR = 3.16% APY 10YR
lou
lou   |     |   Comment #25
Your list doesn't make any sense. You might want to fix it.
lou
lou   |     |   Comment #26
Since interest is not compounded on brokered CDs, shouldn't  APR equal APY?
Brokered
Brokered   |     |   Comment #28
Interest on brokered CD's is paid (usually) every six months. This is no different than taking the interest from a regular CD as it is generated. Bank CD's (usually) compound the earned interest thus raising the base upon which interest is calculated. Hence the slightly greater return over the life of the CD. If the interest from a brokered CD is reinvested wisely, one can make MORE than the interest earned through compounding. The reverse is also true.

I like brokered CD's because they are simple. I know the fixed rate and time and I like the steady interest payments. I usually buy dividend paying utilities with the proceeds and then take dividends until I've made a decent profit on the price of the stock at which time I may or may not sell. I have a few utilities I've done this with and it's worked out quite well.

My wife had a small IRA (around 30K). She put it all into brokered CD's at 3.3%. Years later, when brokered D's were around 3%, we sold hers for a profit. She bought a utility at $27/share, paying over 5% dividend. It's now trading at $30/share with a steady dividend. There was no EWP on the brokered CD, in fact she sold it for more than original par and now makes a better return. We plan to liquidate the IRA next year to avoid the hassle of RMD. We will have pensions, SS and cash. No 401K or IRA worries. And, most of our cash will be in brokered CD's that, over time, have become laddered.
DOA
DOA   |     |   Comment #29
Most brokered cd’s pay out interest every 6 months, but one can sometimes find a few that pay out monthly interest payments.
Brokered
Brokered   |     |   Comment #30
#29
Absolutely...which is why it's always important to read the "fine" print. I usually go long with 5-10 year CD's.
Att
Att   |     |   Comment #31
As long as a someone buys your brokered CD you can cash out. If no one wants to buy on secondary market you may not be able to cash out. If intrest rates go up the value of your CD on the secondary market can be less than your par cost like a bond.
DOA
DOA   |     |   Comment #33
Here is pretty much what I normally experience on a purchase of a new issue brokerage cd. Once you get one, you need to keep it until maturity. If you sell it before maturity, you normally lose.
dollarsncents
dollarsncents   |     |   Comment #34
Precisely why I ladder almost all my CDs. Never any thoughts of cashing them before maturity and have always produced a very good average interest rate for decades.

No I don't always hit the highest interest rate when renewal time comes up, but then again I am never stuck with the lowest rates like people have seen in the past several years and no frantic rate chasing involved.
Brokered
Brokered   |     |   Comment #41
I'm putting 250K in 3.6% 10-yr CD's. Rates may go up but I'd rather lock this rate like I did 3.3% CD's many years ago. I have another 100K coming in from PenFed in two weeks so I'll watch the FED and perhaps pause for a CD rate increase. In any case, it's all about net worth. I'm retired and not interested in chasing stocks or CD rates across the country.
Brokered
Brokered   |     |   Comment #40
We had 32K in 10-yr 3.3% CD's for several years. When rates were around 3.0% we sold it for a PROFIT and reinvested the money in a utility stock paying a great dividend. I wanted greater liquidity.

Brokered CD sale...
$32,000 in 3.3% 10-yr CD's
sold when rates were 3%
$33,041.05 deposited into account.

We earned 3.3% for several years and sold the principal for a profit (3.2%). If this was a typical CD we would have incurred the dreaded EWP.
#27 - This comment has been removed for violating our comment policy.
CDL
CDL   |     |   Comment #32
In Deposit Accounts latest CD Review, Noteworthy Local Deals - 3-Year CDs
Four Points Federal Credit Union
3.35% ($10k) 30-month Certificate Promotion
Easy membership for AR, IN, MI, NV, NC, OH, and OK See review"
Going to URL "see review" membership to" Four Points Federal Credit Union is open to individuals who live, work, worship, or attend school in Colorado, Iowa, Kansas, Missouri, Nebraska, South Dakota, or Wyoming.
Milty
Milty   |     |   Comment #37
However, Popular Direct's 18-month CD is now at 2.95% from 2.85% . . . ah, what mad pursuit.
deplorable 1
deplorable 1   |     |   Comment #42
Market USA FCU has a 20 month share certificate @ 3.35%. It's capped at $20,000 and it looks like anyone can join through the ACC(depending on residency?) or a $5 donation to the Market USA Cares Foundation. I thought this looked like a good deal.
https://www.marketusafcu.com/savings_checking/certificates.aspx
Milty
Milty   |     |   Comment #43
Just noticed Popular Direct recently increased its savings account rate from 2.26% to 2.36%.
deplorable 1
deplorable 1   |     |   Comment #44
Michigan only 3.10% savings account guaranteed for 6 months $50,000 min. in branch only.
https://www.levelonebank.com/FlashSavingsAccount
I may have to empty out my GM right notes account for this deal.
Richard
Richard   |     |   Comment #45
The best rates available for 2-yr, 3-yr, 4-yr, and 5-yr term, new issue, call-protected, brokered CDs offered at Vanguard have decreased since December 4th. As of noon today the best rates offered at Vanguard are: 2-yr @ 3.00% [WFB], 3-yr @ 3.20% [WFB], 4-yr @ 3.35% [WFB], and 5-yr @ 3.50% [WFB].
jrz83
jrz83   |     |   Comment #46
Vanguard is currently offering a 1-year, brokered CD (non-callable, new issue) by Safra National Bank (Maturity Date: 12/26/2019) at 2.80%. TD Ameritrade, Schwab, and Fidelity are offering the same Safra National Bank 1-year, brokered CD (with the same maturity date) at 2.75%.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.