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CD Rates Summary January 14, 2020

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We are starting to see more CD rate increases as the new year begins. Rate cuts are still common, but rate increases are a positive sign that widespread CD rate cuts are ending.

Due to the holiday break, I’ll review the rate changes from four weeks ago. Noteworthy CD rate changes are included below. I’ve separated them into three groups. The first includes the popular banks. All percentages are APYs.

  • Goldman Sachs Bank (5yr up 10 bps to 2.25%, 1yr up 10 bps to 2.15%, 11m up 10 bps to 2.00%)
  • Ally Bank (11m No Penalty CD fell 5 bps to 1.85%)
  • TIAA Bank (5yr YP fell 5 bps to 2.15%, 1yr YP down 10 bps to 2.00%)
  • CIT Bank (11mo down 5 bps to 1.75%)

The second group includes lesser known banks that had been recent rate leaders at some point in the past.

  • Live Oak Bank (5yr fell 15 bps to 2.10%, 3yr fell 10 bps to 2.10%)
  • Salem Five Direct (18mo up 10 bps to 2.00%)
  • Limelight Bank (18mo up 5 bps to 2.15%, 1yr up 5 bps to 2.10%)
  • Comenity Direct (5yr fell 10 bps to 2.10%, 1yr fell 10 bps to 2.00%)
  • Rising Bank (18m Rising up 10 bps to 2.15%, 1yr up 10 bps to 2.15%)
  • Popular Direct (5yr up 11 bps to 2.26%)
  • Quontic Bank (5yr fell 5 bps to 2.20%, 1yr fell 5 bps to 2.20%)
  • Axos Bank (5yr fell 25 bps to 2.00%)
  • DollarSavingsDirect (5yr fell 50 bps to 2.30%)
  • Home Loan Investment Bank, FSB (2yr fell 40 bps to 2.10%, 1yr fell 20 bps to 1.80%)
  • WauBank (61m fell 5 bps to 2.30%, 13m fell 10 bps to 2.10%)

The third group includes noteworthy CD rate changes at credit unions in the last four weeks.

  • Affinity Plus FCU (5yr up 25 bps to 3.00%, 18m up 25 bps to 2.25%)
  • Wheelhouse CU (33m fell 20 bps to 2.05%, 22m fell 25 bps to 1.90%)
  • Financial Partners CU (5yr Jumbo fell 25 bps to 2.75%)
  • Lafayette FCU (5yr fell 51 bps to 2.52%, 2yr fell 25 bps to 2.02%)
  • Dover FCU (5yr fell 37 bps to 2.53%, 2yr fell 18 bps to 2.27%)
  • USALLIANCE Financial (1yr down 5 bps to 2.15%)
  • Justice Federal Credit Union (5yr Jumbo down 51 bps to 2.69%)
  • Advancial (5yr Jumbo up 13 bps to 2.83%, 1yr Jumbo down 2 bps to 2.00%)
  • CommunityWide (1yr down 15 bps to 2.10%, 6mo down 15 bps to 2.05%)
  • Alliant Credit Union (5yr fell 5 bps to 2.05%, 1yr fell 5 bps to 1.90%)

Brokered CD Rates

Rates of long-term brokered CDs with terms from 2-year to 5-year are up from four weeks ago. However, rates of short-term CDs are mostly down by a small amount.

For the non-callable brokered CDs, the top 1-year rate this morning was 1.70% at Fidelity and 1.75% at Vanguard. Four weeks ago, the top rate at both institutions was 1.75%.

Rates are up quite a bit for 5-year CDs. This morning, the top 5-year rate was 2.00% at both Fidelity and Vanguard. Four weeks ago, the top rate was 1.85%.

As has been common, there were no non-callable 10- and 7-year CDs at both Fidelity and Vanguard. Banks tend to offer fewer non-callable long-term brokered CDs when they think rates will fall more. So the lack of non-callable long-term CDs today continues to be a worrisome sign.

The callable feature gives the bank the right to redeem a CD early. That can save the bank money when interest rates fall. However, the CD holder loses out if rates fall and the CD is called early.

Brokered CD rates tend to lead direct CD rates. Since brokered CD rates are quite a bit lower than the top direct CD rates, that would suggest that we could see direct CD rates continue to fall.

Falling brokered CD rates was a trend that began in November 2018 when the top 5-year rates reached as high as 3.60%.

Direct CD Rates and Deals

For nationally available CDs, there were four credit unions that have raised their CD rates to noteworthy levels.

Affinity Plus Federal Credit Union increased rates by 25 bps on three of its CDs: 5-year (3.00% APY), 30-month (2.50% APY), and 18-month (2.25% APY). Minimum deposit is only $500. The 5-year CD is currently the only 5-year CD with at least a 3% APY. People from any state can join via a foundation membership. I have more details in this Affinity Plus CD review.

Advancial Credit Union raised many of its CD rates in January. Its 3-year Jumbo (2.58% APY) and 4-year Jumbo (2.68% APY) rates are now rate leaders for their respective terms. Minimum deposit for these Jumbo CDs is $50k. People from any state are eligible to join Advancial by joining an association.

XCEL Federal Credit Union came out with a Winter 24-month CD promo with a 2.50% APY. The promo is scheduled to last through January. Minimum deposit is $500. Two associations can be joined by people in any state to qualify for XCEL membership. I have more details in this XCEL Federal Credit Union CD review.

SRP Federal Credit Union came out with a January 9-month CD special with a 2.50% APY. Minimum deposit is $500. People from any state are eligible to join SRP by joining an association. I have more details in this SRP Federal Credit Union CD review.

CD Specials and Top CDs That Are Still Available

There are a few top CDs with rates that have been steady for awhile. These have grown more competitive as rates have fallen at other institutions.

NASA Federal Credit Union continues to offer three special CD rates that began at the start of November. These include terms of 49 months (2.60% APY), 15 months (2.50% APY), and 9 months (2.35% APY). Minimum deposit is $10k. An association membership enables people in any state to qualify for credit union membership.

Navy Federal Credit Union continues to offer a 37-month IRA CD Special with a 3.00% APY. Unfortunately, it’s only available as an IRA or ESA Certificate. It’s also has an added benefit of being an add-on CD. Additional deposits are allowed throughout the term, subject to the $150k balance cap. Navy Federal requires a military relationship for membership, but for those who haven’t served, you may be able to qualify via a family member. I have more details in my Navy Federal IRA CD review.

Nationally Available 3% CDs

We now have only three credit unions offering nationally available CDs with yields of at least 3%. One of those three (Navy Federal) is only offering the CD inside of an IRA (37-month IRA CD, 3.00% APY). Affinity Plus Federal Credit Union is the second one with its 5-year CD (3.00% APY). The third is the 7-year CD that has long been offered by Andrews Federal Credit Union (3.05% APY).

Top CD Rates at Banks

DollarSavingsDirect had long been the CD rate leader for banks, but this ended in late December when its 5-year CD yield dropped from 2.80% to 2.30%.

The new bank rate leader is Home Loan Investment Bank which has been offering a 5-year e-CD since August with a 2.60% APY.

Savings and Money Market Accounts

The top rate for a liquid bank account is now 2.25% APY. This is only offered by Customers Bank. Its Ascent Money Market Savings continues to earn 2.25% APY with a $25k minimum balance. Also, this rate is guaranteed to last until 6/30/2020. I have more details in this Customers Bank Money Market Savings review.

BrioDirect (online division of Sterling National Bank) is currently the rate leader for a low-minimum savings account. Its High-Yield Savings account earns 2.10% APY with a minimum balance of only $25.

Federal Reserve and Interest Rate Summary

The Fed and economy review is now split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post.

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 January 14, 2020

Under 1-Year CD Rates

InstitutionRatesNotes
SRP Federal Credit Union2.50% ($500) 9-month CD Special (*NTS)Easy membership See review
NASA Federal Credit Union2.35% ($10k) 9-month CDEasy membership See review
Patriot Bank2.26% ($500) Online Money Market (rate guarantee through 6/30/2020)(*NTS) See review
Customers Bank2.25% ($25k min) Ascent Money Market Savings (rate guarantee through 6/30/2020) Account review
Sun East Federal Credit Union2.20% ($5k) MAX-Yield Money Market Account (13 month guarantee)Easy membership See review
Consumers Credit Union2.15% ($100k) 8-month Jumbo CDEasy membership Account review
Andrews Federal Credit Union2.05% ($1k) 8-month Certificate SpecialEasy membership Account review
BankUnitedDirect2.05% ($1k) 9-month CD Account review
Communitywide FCU2.05% ($2k) 6-month Share CertificateEasy membership Account review
Goldman Sachs Bank2.00% ($500) 11-month No-Penalty CD (*NTS) Account review
BrioDirect2.00% ($500) 9-month CDInternet bank See review
USALLIANCE Financial2.00% ($500) 9-month CDEasy membership Account review
HSBC Direct2.00% ($1k) 6-month Direct CD Account review
Elements Financial2.00% ($1k) 8-month CD SpecialEasy membership Account review
ConnectOne Bank1.85% ($500) 5-month CD Account review
The Vanguard Group Brokered CD1.70% (APR) 9-month non-callable CDIssued by WFB*
Fidelity Brokered CD1.70% (APR) 9-month non-callable CDIssued by WFB, WFBW*
The Vanguard Group Brokered CD1.65% (APR) 6-month non-callable CDIssued by BotW, CBRI, CSBFL, SBoIIL*
Fidelity Brokered CD1.65% (APR) 6-month non-callable CDIssued by BotW, CBRI, CSBFL*
The Vanguard Group Brokered CD1.60% (APR) 3-month non-callable CDIssued by CSBFL, LBS&L, MIZU, PWB*
Fidelity Brokered CD1.60% (APR) 3-month non-callable CDIssued by BGSB, CSBFL, FFBFL, LBS&L, PUB*

Noteworthy Local Deals - Under 1-Year CDs

Share Point Credit Union3.00% ($10k max) eSavings, 2 year rate guarantee7 Minnesota counties See review
Financial Center First Credit Union2.26% ($500) 1-60 month Blended StepSmart Certificate Special (NTS*)10 Indiana counties
ABCO Federal Credit Union2.20% ($50k) 6-month Jumbo CD Special (NTS*)New Jersey
Community Alliance Credit Union2.15% ($500) 7-month CD Special (NTS*)5 Southeast Michigan counties See review
Rockland Federal Credit Union2.10% ($500) 9-month Share Certificate (NTS*)6 Massachusetts counties See review

1-Year CD Rates

Quontic Bank2.20% ($1k) 12-month CD Account review
Veridian Credit Union2.20% ($100k) 12-month Jumbo CD SpecialEasy membership See review
USALLIANCE Financial2.15% ($500) 12-month CDEasy membership See review
Goldman Sachs Bank2.15% ($500) 12-month High-yield CD (*NTS) Account review
Rising Bank2.15% ($1k) 1-year Term CD (*NTS)Account review
Live Oak Bank2.15% ($2.5k) 1-year CDAccount review
Andrews Federal Credit Union2.15% ($1k) 13-month Certificate Special (*NTS)Easy membership Account review
CFSB2.11% ($5k) 12-month CDAccount review
Communitywide FCU2.10% ($1k) 12-month Share CertificateEasy membership Account review
First National Bank of America2.10% ($1k) 12-month CD See review
The Vanguard Group Brokered CD1.75% (APR) 1-year non-callable CDIssued by WFB, WFBW*
Fidelity Brokered CD1.70% (APR) 1-year non-callable CDIssued by GSB*

Noteworthy Local Deals - 1-Year CDs

Travis Credit Union2.40% ($500) 13-month CD Special12 northern California counties See review
Freedom Federal Credit Union2.40% ($50k) 52-week Jumbo CD Special (*NTS)Harford County, Maryland See review
Cy-Fair Federal Credit Union2.35% ($25k) 12-month Share Certificate (*NTS)Harris and Waller Counties, Texas See review
Palmetto Citizens Federal Credit Union2.32% ($100k), 2.27% ($75k), 2.22% ($50k), 2.17% ($500) 12-month CD (*NTS)6 South Carolina counties See review
First Florida Credit Union2.29% ($50k) 13-month CD Special (*NTS)38 Florida counties See review

18-month CD Rates

NASA Federal Credit Union2.50% ($10k) 15-month Share Certificate SpecialEasy membership See review
State Bank of India (IL)2.27% ($2.5k) 15-month CD Special
Sun East Federal Credit Union2.25% ($500) 19-month CD Special (*NTS)Easy membership See review
USALLIANCE Financial2.25% ($500) 18-month CDEasy membership Account review
Andrews Federal Credit Union2.25% ($1k) 17-month Certificate SpecialEasy membership See review
ConnectOne Bank2.20% ($500) 17-month CD Account review
Affinity Plus Federal Credit Union2.25% ($500) 18-month CD (*NTS)Easy membership See review
Limelight Bank2.15% ($1k) 18-month CD (*NTS)Account review
Live Oak Bank2.15% ($2.5k) 18-month CDAccount review
First National Bank of America2.10% ($1k) 12-23 month CD See review
The Vanguard Group Brokered CD1.75% (APR) 18-month non-callable CDIssued by WFB, WFBW*
Fidelity Brokered CD1.75 (APR) 18-month non-callable CDIssued by WFB, WFBW*

Noteworthy Local Deals - 18-Month CDs

Marshall Community Credit Union2.95% ($125k) 16-month Premier CD Special8 SW Michigan counties See review
Alabama Credit Union2.27% ($500) 18-month CD SpecialEasy membership
Encompass Credit Union2.53% ($500) 18-month CD (*NTS)Clinton, Howard, and Tipton Counties, Indiana See review
Solidarity2.50% ($500) 17-month CD Special (*NTS)Howard and Tipton Counties, Indiana See review
Ouachita Velley Federal Credit Union2.37% ($1k) 18-month Share Certificate (*NTS)7 Louisiana parishes See review

2-Year CD Rates

XCEL Federal Credit Union2.50% ($500) 24-month Winter Promo CD (*NTS)Easy membership See review
Advancial2.41% ($50k) 2-year Jumbo CertificateEasy membership See review
AFFCU2.30% ($100k), 2.25% ($25k), 2.20% ($12.5k) 2-year CDEasy membership See review
Dover Federal Credit Union2.27% ($100k), 2.22% ($25k), 2.17% ($500) 2-year Share CertificateEasy membership See review
NuVision Federal Credit Union2.25% ($100k) 2-year Jumbo CDEasy membership See review
Prime Alliance Bank2.20% ($500) 24-month CD See review
Quontic Bank2.20% ($1k) 24-month CD Account review
Live Oak Bank2.20% ($2.5k) 24-month CD
Merrick Bank2.15% ($500) 24-month CD (*NTS) See review
SallieMae Bank2.15% ($2.5k) 24-month CD (NTS*) Account review
The Vanguard Group Brokered CD1.80% (APR) 2-year non-callable CDIssued by GSB, WFB, WFBW*
Fidelity Brokered CD1.80% (APR) 2-year non-callable CDIssued by GSB, WFB, WFBW*

Noteworthy Local Deals - 2-Year CDs

Encompass Credit Union3.04% ($500) 24-month CDClinton, Howard, and Tipton Counties, Indiana See review
Louisiana Federal Credit Union2.89% ($100k) 2-year Jumbo Share CertificateClinton, Howard, and Tipton Counties, Indiana See review
SAFE Federal Credit Union2.79% ($100k), 2.69% ($50k), 2.17% ($1k) 24-month Easy Street Certificate7 South Carolina counties See review
Charlotte Metro Credit Union2.75% ($50k) 2-year Jumbo Share Certificate7 North Carolina and 3 South Carolina counties See review
Columbia Community Credit Union2.60% ($100k), 2.55% ($50k), 2.50% ($10k), 2.45% ($500) 24-month CDWashington state and 4 Oregon counties See review

3-Year CD Rates

Keesler Federal Credit Union3.20% blended ($100k) 30-month Jumbo Step CertificateEasy membership (recently changed) See review
Navy Federal Credit Union3.00% ($50 min/$150k max) 37-month IRA SpecialMilitary relationship See review
Advancial2.58% ($50k) 3-year Jumbo CertificateEasy membership See review
Garden Savings Federal Credit Union2.53% ($500) 3-year Share CertificateEasy membership
Affinity Plus Federal Credit Union2.50% ($500) 30-month CD (*NTS)Easy membership
Northrop Grumman Federal Credit Union2.45% ($40k) 36-month Bonus Term CD Easy membership See review
Dow Chemical Employees' Credit Union2.40% ($1k) 36-month Simple CDEasy membership See review
Dover Federal Credit Union2.32% ($100k), 2.27% ($25k), 2.22% ($500) 3-year Share CertificateEasy membership
Prime Alliance Bank2.30% ($500) 36-month CD
Limelight Bank2.25% ($1k) 36-month CD
State Bank of India (IL)2.22% ($2.5k) 3-year Senior Citizen CD (*NTS)
Quontic Bank2.20% ($1k) 36-month CD Account review
Lafayette Credit Union2.17% ($500) 3-year Fixed CDEasy membership See review
Home Loan Investment Bank2.15% ($2.5k) 30-month eCD See review
The Vanguard Group Brokered CD1.90% (APR) 3-year non-callable CDIssued by GSB, WFB, WFBW*
Fidelity Brokered CD1.90% (APR) 3-year non-callable CDIssued by GSB, WFB, WFBW*

Noteworthy Local Deals - 3-Year CDs

Members Exchange Credit Union3.30% ($100k) 30-month Jumbo CD (*NTS)5 Mississippi counties See review
Encompass Credit Union3.04% ($500) 36-month CDClinton, Howard, and Tipton Counties, Indiana See review
Charlotte Metro Credit Union3.00 ($50k) 3-year Jumbo Share Certificate7 North Carolina and 3 South Carolina counties See review
CSE Federal Credit Union2.99% ($250) 3-year Share IRA Certificate (*NTS)3 Louisiana parishes See review

4-Year CD Rates

Advancial2.68% ($50k) 4-year Jumbo CertificateEasy membership See review
NASA Federal Credit Union2.60% ($10k) 49-month Share Certificate SpecialEasy membership See review
Blue Federal Credit Union2.60% ($100k) 48-month CDEasy membership See review
Northrop Grumman Federal Credit Union2.55% ($40k) 48-month Bonus Term CDEasy membership See review
Garden Savings Federal Credit Union2.53% ($500) 4-year Share CertificateEasy membership
Greenwood Credit Union2.45% ($1k) 48-month CDEasy membership See review
Prime Alliance Bank2.40% ($500) 48-month CDSee review
NuVision Credit Union2.40% ($100k) 4-year Jumbo CDEasy membership See review
Dover Federal Credit Union2.38% ($100k), 2.32% ($25k), 2.27% ($500) 4-year Share CertificateEasy membership
State Department Federal Credit Union2.32% ($500) 48-month CertificateEasy membership
State Bank of India2.27% ($25k) 4-year Senior Citizen CDAccount review
First National Bank of America2.25% ($1k) 48-month CD
Quontic Bank2.25% ($1k) 48-month CD Account review
Citizens Access2.20% ($5k) Online 4-year CD (*NTS) Account review
Fidelity Brokered CD1.90% (APR) 4-year non-callable CDIssued by WFB*
The Vanguard Group Brokered CD1.90% (APR) 4-year non-callable CDIssued by WFB, WFBW*

Noteworthy Local Deals - 4-Year CDs

Mutual 1st Federal Credit Union3.12% ($1k) 43-month CD Special4 Nebraska and 1 Iowa counties See review
Encompass Credit Union3.04% ($500) 48-month CDClinton, Howard, and Tipton Counties, Indiana See review
Woodward Federal Savings & Loan Association3.03% ($1k) 48-month CDUpstate South Carolina See review
Freedom Federal Credit Union3.00% ($50k) 42-month Jumbo CD Special (*NTS)Harford County, Maryland See review
SAFE Federal Credit Union2.92% ($100k), 2.82% ($50k), 2.31% ($1k) 48-month Investment Certificate (*NTS)7 South Carolina counties See review

5-Year CD Rates

Affinity Plus Federal Credit Union3.00% ($500) 60-month CD (*NTS)Easy membership
Financial Partners Credit Union2.75% ($100k) 60-month Jumbo CD (*NTS)Easy membership See review
State Department Federal Credit Union2.68% ($500) 60-month IRA CertificateEasy membership
Hiway Federal Credit Union2.85% ($25k), 2.75% ($10k), 2.65% ($500) 60-month CertificateEasy membership See review
American 1 Credit Union2.78% ($50) 5-year IRAEasy membership See review
Blue Federal Credit Union2.75 ($100k) 60-month CDEasy membership See review
Credit Union of the Rockies2.70% ($1k) 60-month Promotional CDEasy membership Account review
Wings Financial Credit Union2.63% ($250k) 5-year CertificateEasy membership Account review
Home Loan Investment Bank2.60% ($2.5k) 5-year eCD See review
Justice Federal Credit Union2.69% ($100k), 2.59% ($500) 60-month CDEasy membership See review
Dover Federal Credit Union2.53% ($100k), 2.48% ($25k), 2.43% ($500) 5-year Share CertificateEasy membership
Lafayette Credit Union2.52% ($500) 5-year Fixed CDEasy membership See review
Prime Alliance Bank2.50% ($500) 60-month CDSee review
State Bank of India (IL)2.32% ($2.5k) 5-year Senior Citizen CD (NTS*)
DollarSavingsDirect2.30% ($1k) 60-month CD See review
First National Bank of America2.30% ($1k) 60-month CD (*NTS)
The Vanguard Group Brokered CD2.00% (APR) 5-year non-callable CDIssued by SBoI*
Fidelity Brokered CD2.00% (APR) 5-year non-callable CDIssued by SBoI*

Noteworthy Local Deals - 5-Year CDs

SAFE Federal Credit Union3.38% ($100k), 3.27% ($50k), 2.76% ($1k) 60-month Investment Certificate7 South Carolina counties See review
CSE Federal Credit Union3.35% ($250) 5-year Share IRA Certificate3 Louisiana parishes See review
CSE Federal Credit Union3.35% ($1k) 5-year Share Certificate3 Louisiana parishes See review
Members Exchange Credit Union3.30% ($100k) 54-month Jumbo CD (*NTS)5 Mississippi counties See review
Maine State Credit Union3.20% ($500) 5-year Share Certificate Somerset and Kennebec Counties, Maine

Over 5-Year CD Rates

Andrews Federal Credit Union3.05% ($1k) 84-month Share CertificateEasy membership See review
Northrop Grumman Federal Credit Union2.70% ($40k) 84-month Bonus Term CDEasy membership See review
Navy Federal Credit Union2.45% ($100k), 2.35% ($1k) 7-year CDMilitary relationship See review
First National Bank of America2.40% ($1k) 84-month Time CD
Navy Federal Credit Union2.40% ($100k), 2.40% ($1k) 6-year CDMilitary relationship See review
Evansville Teachers Federal Credit Union2.34% ($1k) 6-year CD (*NTS)Easy membership See review
Goldman Sachs Bank2.30% ($500) 6-year High-Yield CD
MySavingsDirect2.30% ($1k) 60-120 month My Term CD (*NTS)
LegacyTexas Bank2.26% ($1k) 120-month Regular CD
Discover Bank2.20% ($2.5k) 10-year CD
Chartway Federal Credit Union2.15% (no min) 60-71 month CDEasy membership See review

Noteworthy Local Deals - Over 5-year CDs

Founders Federal Credit Union3.29% ($500) 84-month Share CertificateSouth Carolina Account review
ELGA Credit Union3.20% ($500k), 3.15% ($250k), 3.05% ($100k) 72-month CDEasy membership in Michigan Account review
Maine Savings Federal Credit Union3.14% ($500) 66-month CDEasy membership in Maine Account review
VIA Credit Union3.05% ($500) 60-71 month HSA CD12 Indiana counties See review
AmeriCU2.90% ($1k) 60-72 month Partner Certificate9 Central/Northern New York counties See review

*BGSB (Bangor Savings Bank), BotW (Bank of the West), CBRI (Citizens Bank NA RI), CSBFL (CenterStateBank FL), FFBFL (First Federal Bank FL), GSB (Goldman Sachs Bank), LBS&L (Luther Burbank Savings & Loan), MIZU (Mizuho Bank USA), PUB (Peoples United Bank), PWB (Pacific Western Bank), SBoI (State Bank of India), SBoIIL (State Bank of India IL), WFB (Wells Fargo Bank), WFBW (Wells Fargo Bank NB West)

**New To Summary

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

TruStone Financial Credit Union2.25 ($2.5k) 20-month CD SpecialEasy membership

CDs Removed, No Longer Available - Local

California Credit Union5.00% ($25k max) 5-month CDPossible easy membership in California See review
GPO Federal Credit Union3.00% ($1k) 7-month Share Certificate Special7 NY Mohawk Valley counties See review
Advia Credit Union2.25% ($500) 5-month Holiday CD68 Michigan, 9 Wisconsin, and 7 Illinois counties See review
GPO Federal Credit Union3.00% ($1k) 14-month Share Certificate Special7 NY Mohawk Valley counties See review
TEG Federal Credit Union2.40% ($500) 14-month CD SpecialDutchess, Orange, and Ulster Counties, NY See review
Amplify Credit Union3.00% ($500 min/$10k max) 15-month Holiday Special CDEasy membership in Texas See review
AmeriCU2.90% ($100k) 18-month Partner Certificate9 Central/Northern New York counties See review
Farmers & Merchants Bank (NE)2.78% ($75k) 17-month Time CD SpecialSE Nebraska See review
Fedstar Federal Credit Union3.35% ($10k) 60-month CD SpecialRoanoke County, Virginia See review

CDs Removed, Rate Too Low - National

Partner Colorado Credit Union2.10% ($100k) 12-month Jumbo CDEasy membership See review
Comenity Direct2.00% ($1.5k) 1-year CD Account review
First Technology Credit Union2.00% ($50k) 12-month Jumbo CDEasy membership See review
TIAA Bank2.00% ($5k) 1.5 year Yield Pledge CD Account review
Home Loan Investment Bank2.10% ($2.5k) 2-year eCD See review
Wheelhouse Credit Union1.90% ($1k) 22-month Certificate SpecialEasy membership See review
Wheelhouse Credit Union2.05% ($1k) 33-month Certificate SpecialEasy membership See review
Heritage Bank1.76% ($25k) 36-month Triple Option CD
Lafayette Credit Union2.27% ($500) 4-year Fixed CDEasy membership See review
Heritage Bank1.97% ($25k) 60-month Triple Option CD
Live Oak Bank2.10% ($2.5k) 4-year CDAccount review
USAA Bank2.17% ($175k) 7-year Super Jumbo CD

CDs Removed, Rate Too Low - Local

Dort Federal Credit Union2.20% ($100k) 1-year Jumbo Share Certificate Special4 Michigan counties See review
AmeriCU2.20% ($100k) 12-month Jumbo Core Certificate9 Central/Northern New York counties See review
Charlotte Metro Credit Union1.70% ($2k) 18-month Share Certificate7 North Carolina and 3 South Carolina counties See review
AmeriCU2.55% ($1k) 24-35 month Partner Certificate9 Central/Northern New York counties See review
Woodruff Federal Savings & Loan Association2.52 ($1k) 36-month CDUpstate South Carolina
Farmers & Merchants Bank (NE)2.37% ($30k) 36-month Time CDSE Nebraska See review
Dort Financial Credit Union2.75% ($100k) 4-year Jumbo CD4 Michigan counties See review
AmeriCU2.70% ($1k) 48-59 month Partner Certificate9 Central/Northern New York counties See review
R-G Federal Credit Union2.46% ($500) 48-month Senior CD 12 Missouri counties
Columbia Credit Union3.10% ($100k), 3.05% ($50k), 3.00% ($10k), 2.95% ($500) 5-year CD Washington state and 4 NW Oregon counties See review

Post Publication Edits

1/15/2020: Keesler Federal Credit Union 30-month Jumbo Step Certificate moved to nationally available category.

Related Pages: savings accounts, money market accounts, 1-year CD rates, 5-year CD rates, nationwide deals, Internet banks
Comments
alan1
alan1   |     |   Comment #1
I believe the article is mistaken in listing Keesler Federal Credit Union's 3-year under "Noteworthy Local Deals"; I believe Keesler membership is nationally available via a donation to he American Cancer Society. DepositAccounts readers (and Lending Tree staff) may wish to look at the online Keesler application form and/or contact the credit union to satisfy themselves as to Keesler's Field of Membership.
alan1
alan1   |     |   Comment #2
Thank you for editing the piece to reflect the fact that Keesler Federal Credit Union membership is nationally available.
Ken Tumin
Ken Tumin   |     |   Comment #3
Thanks for alerting us of this change. It appears they changed a few months ago to allow people in any state to join via ACSCAN. I'll have an updated blog post on Keesler FCU soon.

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