Best CD Rates for January 2021
The best CD rates available are offered by online banks that consistently offer the top rates. When it comes to certificates of deposit (CDs), shopping for a higher rate can be especially rewarding.
That's because, if you find a higher rate today, it can continue to pay off for you over the life of that CD.
The time you spend shopping for the top CD rates today could earn you extra money for months or years to come.
Compare featured CD accounts: Picks of January 2021
Which Banks Have the Best CD Rates
A large number of banks offer CDs, and many compete to have the best CD rates. Use the MoneyRates CD rate-finder tool below to sort through the massive list and find a CD that suits your financial situation and goals.
Select the type of account, deposit amount, and desired CD length. The results show the top rates from our featured banks, but each listing can be expanded to reveal more rates. Click + to see all CD rates for each bank.
A second table below shows more CD products that meet your specifications. (Rates in this table may be higher or lower than the featured-bank rates.) Click + to see more offers.
Fifth Third Bank
FDIC Insured |
Wells Fargo Bank (Rate in NY)
FDIC Insured |
Chase (Rate in NY)
FDIC Insured |
PNC Bank (Rate in NY)
FDIC Insured |
Bank of America (Rate in NY)
FDIC Insured |
TD Bank (Rate in NY)
FDIC Insured |
US Bank (Rate in CA)
FDIC Insured |
Citibank
FDIC Insured |
Union Bank
FDIC Insured |
USAA Bank
FDIC Insured |
BB&T
FDIC Insured |
Bank of Blue Valley
FDIC Insured |
First Citizens Bank
FDIC Insured |
Associated Bank
FDIC Insured |
American Savings Bank
FDIC Insured |
Bank of America (Rate in CA)
FDIC Insured |
Regions Bank
FDIC Insured |
Charles Schwab Bank
FDIC Insured |
Amegy Bank of Texas
FDIC Insured |
Bank of America (Rate in IL)
FDIC Insured |
First National Bank of Omaha
FDIC Insured |
The Huntington National Bank (Rate in OH)
FDIC Insured |
BMO Harris Bank
FDIC Insured |
Commerce Bank (Rate in IL)
FDIC Insured |
California First National Bank
FDIC Insured |
Raymond James Bank
FDIC Insured |
Atlantic Union Bank
FDIC Insured |
US Bank (Rate in IL)
FDIC Insured |
Bank of Oklahoma
FDIC Insured |
Genesee Regional Bank
FDIC Insured |
Commercial Bank and Trust of Pennsylvania
FDIC Insured |
Columbia Bank
FDIC Insured |
KeyBank (Rate in OH)
FDIC Insured |
Bank of the West
FDIC Insured |
M and T Bank (Rate in NY)
FDIC Insured |
The First Bank and Trust Company of Murphysboro
FDIC Insured |
Fulton Bank
FDIC Insured |
Busey Bank
FDIC Insured |
KeyBank (Rate in NY)
FDIC Insured |
American State Bank and Trust Company
FDIC Insured |
Central Pacific Bank
FDIC Insured |
SunTrust Bank
FDIC Insured |
Provident Bank (myprovident.com)
FDIC Insured |
The National Bank of Blacksburg
FDIC Insured |
Aspire Federal Credit Union
FDIC Insured |
City National Bank
FDIC Insured |
People's United Bank
FDIC Insured |
Citizens Trust Bank
FDIC Insured |
TCF Bank (Rate in MN)
FDIC Insured |
Northwest Bank
FDIC Insured |
First Midwest Bank
FDIC Insured |
Gulf Coast Bank and Trust Company
FDIC Insured |
United Community Bank
FDIC Insured |
FirstBank
FDIC Insured |
Tri City National Bank
FDIC Insured |
First Hawaiian Bank
FDIC Insured |
Watertown Savings Bank (watertownsavings.com)
FDIC Insured |
Heritage Bank (heritagebanknw.com)
FDIC Insured |
Flagstar Bank
FDIC Insured |
Glenview State Bank
FDIC Insured |
First Commonwealth Bank
FDIC Insured |
Eastern Bank
FDIC Insured |
North American Savings Bank
FDIC Insured |
Bridge Community Bank
FDIC Insured |
Midwest BankCentre
FDIC Insured |
Standing Stone National Bank
FDIC Insured |
Citizens Access
FDIC Insured |
National Bank of Arizona
FDIC Insured |
North Country Savings Bank
FDIC Insured |
Chesapeake Bank
FDIC Insured |
Trustco Bank
FDIC Insured |
The Farmers National Bank of Canfield
FDIC Insured |
O Bee Credit Union
FDIC Insured |
Superior Savings Bank
FDIC Insured |
Comerica Bank (Rate in CA)
FDIC Insured |
1st Source Bank
FDIC Insured |
Frost Bank
FDIC Insured |
Abington Bank
FDIC Insured |
PNB Community Bank
FDIC Insured |
Armed Forces Bank
FDIC Insured |
Dollar Bank Federal Savings Bank
FDIC Insured |
FNCB Bank
FDIC Insured |
The First Central National Bank
FDIC Insured |
Americas Credit Union
FDIC Insured |
Commonwealth Community Bank
FDIC Insured |
The Commercial Bank
FDIC Insured |
Bremer Bank
FDIC Insured |
The Bank of Castile
FDIC Insured |
Valley National Bank
FDIC Insured |
Inland Bank and Trust
FDIC Insured |
Bryn Mawr Trust
FDIC Insured |
First Financial Northwest Bank
FDIC Insured |
VisionBank
FDIC Insured |
Arvest Bank
FDIC Insured |
Greenville National Bank
FDIC Insured |
Windsor Federal Savings and Loan Association
FDIC Insured |
Howard Bank
FDIC Insured |
Vio Bank
FDIC Insured |
Bank of Hawaii
FDIC Insured |
MidFirst Bank
FDIC Insured |
CD Rate History - Average APY (%) Rate Trend over Time
Period - 5 years |
Product - 1 year |
|---|---|
| Dec 2020 | 0.213% |
| Nov 2020 | 0.272% |
| Oct 2020 | 0.234% |
| Sep 2020 | 0.26% |
| Aug 2020 | 0.292% |
| Jul 2020 | 0.331% |
| Jun 2020 | 0.357% |
| May 2020 | 0.429% |
| Apr 2020 | 0.491% |
| Mar 2020 | 0.522% |
| Feb 2020 | 0.825% |
| Jan 2020 | 0.846% |
| Dec 2019 | 0.869% |
| Nov 2019 | 0.857% |
| Oct 2019 | 0.897% |
| Sep 2019 | 0.948% |
| Aug 2019 | 0.988% |
| Jul 2019 | 1.091% |
| Jun 2019 | 1.137% |
| May 2019 | 1.129% |
| Apr 2019 | 1.119% |
| Mar 2019 | 1.144% |
| Feb 2019 | 1.132% |
| Jan 2019 | 1.119% |
| Dec 2018 | 1.099% |
| Nov 2018 | 1.066% |
| Oct 2018 | 1.038% |
| Sep 2018 | 0.995% |
| Aug 2018 | 1.009% |
| Jul 2018 | 0.998% |
| Jun 2018 | 0.892% |
| May 2018 | 0.832% |
| Apr 2018 | 0.809% |
| Mar 2018 | 0.779% |
| Feb 2018 | 0.734% |
| Jan 2018 | 0.645% |
| Dec 2017 | 0.587% |
| Nov 2017 | 0.569% |
| Oct 2017 | 0.565% |
| Sep 2017 | 0.538% |
| Aug 2017 | 0.549% |
| Jul 2017 | 0.523% |
| Jun 2017 | 0.507% |
| May 2017 | 0.495% |
| Apr 2017 | 0.473% |
| Mar 2017 | 0.477% |
| Feb 2017 | 0.46% |
| Jan 2017 | 0.429% |
| Dec 2016 | 0.421% |
| Nov 2016 | 0.415% |
| Oct 2016 | 0.418% |
| Sep 2016 | 0.425% |
| Aug 2016 | 0.428% |
| Jul 2016 | 0.396% |
| Jun 2016 | 0.427% |
| May 2016 | 0.436% |
| Apr 2016 | 0.425% |
| Mar 2016 | 0.402% |
| Feb 2016 | 0.384% |
| Jan 2016 | 0.387% |
Disclosure: MoneyRates.com collects rates on a weekly basis and averages the last rate collected every month for each bank's products to produce this dataset.
Current CD Rate Trends
In 2020, CD rates continued their decline after rising steadily a few years back. The turning point for CD rates happened in 2019 and was exacerbated by the coronavirus pandemic.
Still, the average online CD rate is many times higher than the average rate available from 1-year CDs at traditional, branch-based accounts.
Long-term CD rates drop most
The drop in CD rates was especially steep for long-term CDs. This reflects caution on the part of banks. If rates are going to be falling, banks do not want to get caught having made commitments to pay higher rates on CDs with longer terms.
With long-term CD rates dropping more than short-term rates, the difference between long and short rates shrunk. While longer term rates are somewhat higher, the reward consumers get for committing to a CD with a longer term has been reduced.
Choices for consumers in 2021
Despite that reduced reward for choosing a long-term CD, a falling rate environment might encourage you to choose longer CD terms if you can afford to commit your money for a longer period of time. This may come to pass given recent policy changes announced by the Federal Reserve Board.
Even if you use CD laddering to provide liquidity at regular intervals, you can adjust for a changing rate environment by weighting the short-term portions of your CD ladder more heavily than the long-term portions.
Times when interest rates are changing make it especially important to shop around before you open a CD account. When rates are on the move, banks offering CDs adjust their rates at different times and by different amounts. That can change where the best CD rates are to be found.
Looking ahead, the Federal Reserve has indicated it expects to keep interest rates low even if inflation pressures are felt in the economy in 2021. So, you may not see much more change in CD rates unless there is a big change in the economy. If the economy weakens, there's not much room for rates to drop again; but if growth or inflation happens and the economy strengthens, they might reverse direction and start to rise at some point.
How CDs Work
Unless you are already familiar with CDs, understanding a little about how they work might help you decide which is best for you.
But first, what do these terms mean?
CD term, maturity date, minimum-balance requirement
As a reward for committing your money for a specified period of time, banks generally pay higher interest rates on CDs than savings accounts or money market accounts. In most cases, the longer you commit to a CD, the higher the interest rate will be.
The length of time you agree to commit your money for is known as the CD term. The date at which that term expires is known as the maturity date.
Some banks vary their CD interest rates depending on how much you deposit. In such cases, you have to meet a minimum-balance requirement in order to qualify for the advertised rate.
How long would my funds be unavailable?
CD terms come in a variety of lengths, with the most common ranges being as little as one month to five years.
But watch out for this:
If you want to take money out of the CD before the maturity date, you usually have to pay an early withdrawal penalty. That early withdrawal penalty is an important factor to consider before you lock your money up in a CD.
While a longer commitment is an opportunity to earn more interest, it also limits access to your money. Having to pay an early withdrawal penalty may negate the rate advantage you gained by choosing a longer CD term.
How safe are CD investments?
Certificates of deposit offered by federally insured banks or credit unions are protected by deposit insurance from the FDIC. This covers up to $250,000 worth of deposits per customer at each participating financial institution.
But…
If you have more than one account, you can only be insured for a maximum of $250,000 across all accounts. You can, however, gain more insurance coverage by spreading accounts across different banks.
This applies to most CDs, but there are exceptions:
Some CD products have rates that vary under certain circumstances, and a few don't charge an early withdrawal penalty.
However, these exceptions are fairly rare, so in most cases you will be dealing with the characteristics described above.
What Should You Look for When Choosing a CD?
You could spend all day comparing CDs, but you may wonder if there's a more efficient way to shop.
Here's how to narrow your search:
- Select your CD term
The starting point for choosing a CD should be to decide how long you can afford to lock up your money. That makes it easier to compare rates based on the same CD length.
Most CDs are issued for uniform time periods such as 1-year, 3-years, 5-years, etc. But sometimes banks issue CDs with slightly irregular time periods such as 13 months rather than 1 year as a special promotion. These may meet your needs well enough to be included in your search. - Confirm deposit insurance
If you want full safety for your CD, you should limit your comparison-shopping to products backed by the FDIC (Federal Deposit Insurance Corporation).
Here's how to make sure the bank you choose is federally insured: FDIC-insured banks must display the FDIC emblem in their branches or, in the case of online-based banks, on their website. Credit unions have deposit insurance through the NCUA and are considered just as safe as traditional banks. - Investigate early withdrawal penalties
You should try to avoid paying an early withdrawal penalty by choosing a CD term that expires before you are likely to need to access your money.
However, it's still a good idea to compare early withdrawal penalties when choosing a CD just in case something goes wrong. If two CDs have roughly the same term and the same interest rate, it can be a good tie-breaker to choose the one with the lower early withdrawal penalty. - Compare fixed interest rates
Comparing interest rates is fairly straightforward if you are looking at CDs with the same term length. However, make sure that the rates you are comparing are fixed interest rates for the full term of the CD.
Also, compare annual percentage yield (APY) rather than just the ordinary interest rate because, when rates are fairly close, the bank's compounding method might make a difference as to which CD will pay you more interest. - Know the maturity date
Knowing the maturity date helps you confirm the length of the CD term and allows you to plan ahead for when you cash out your CD or roll it over into a new one. - Verify minimum-balance requirements
The MoneyRates CD rate comparison tool above lets you to specify the size of the CD you want. This is important because you should base your rate-shopping on products that are available to your account size.
How We Track CD Rates
Though CD rates are locked in for the term of the CD, the rates banks offer on new CD accounts can change at any time. This is why MoneyRates actively researches CD rates from week to week to bring you the most current information available.
Researchers for MoneyRates regularly monitor close to a thousand CD products from hundreds of financial institutions. These CD accounts represent a range of different terms and minimum balances, giving you plenty of CDs to choose from in searching for one that will meet your needs.
Also, the rates collected by MoneyRates are sorted into different term-length categories and averages are calculated for each of those categories. These averages are used as the basis for the interactive rate trend chart found above. Those averages can give you some context in evaluating whether a given CD product's rates are above or below average.
What is a Certificate of Deposit (CD)?
A certificate of deposit (CD) is a type of deposit product that pays a fixed interest rate on your funds for a specific period of time. Interest rates on CDs are typically higher than for savings accounts because your principal is locked until the CD matures.
CD accounts are typically insured by the Federal Deposit Insurance Corporation (FDIC), depending on whether or not the institution is an FDIC member, making them low-risk investments for savers.
CDs vs. Other Savings Accounts
"Savings accounts, money market accounts, and certificates of deposit are different savings vehicles that can help you manage the liquid funds in your portfolio.
"It's important to choose the right kind of account for your financial needs and lifestyle, though. Picking the wrong account can lead to lackluster dividends, inconvenient access restrictions and hefty fees.
"It's not hard to decide which is right for you. All you need to know is what types of accounts are available, how they help you and how they differ."
>> Read more: Compare savings accounts, money market accounts and CDs.
FAQs
Certificates of deposit usually require that the funds on deposit remain untouched for a defined period of time; however, many CDs allow the funds to be withdrawn before maturity if you pay a penalty. Need to learn more? Read: When does it make sense to pay an early withdrawal penalty?
Interest rates in general - and CD rates in particular - are not rising at this time. But, of course, that may change. An easy way to stay on top of changing interest rates is to bookmark the America's Best Rates Survey, which is done every quarter here on MoneyRates.com.
At this time, the best 5-year CD rate on a minimum balance of $10,000 is 1.20%.
Whether you are a low-risk investor or someone who can accept investment risk, some portion of your assets should be in safe investment options. Certificates of deposit make good low-risk investments because they are usually FDIC-insured. Learn more: 5 reasons why CDs are perfect for low-risk investors
Thank you for sharing that information. Your best bet with East Boston Savings Bank might be to call their customer service line: 1-800-657-3272
Where can you open the cd at East Boston Savings Bank online? I cannot find any link online to open one.
East Boston Savings Bank is now allowing CDs to be open on line even if you are not a resident of Boston. I have recently opened a CD for 48 months @ APY 2.13%. while living in Maryland..
Colorado Fed Bank (coloradofederalbank.com) offering 1.35% APY for a 12M CD with min. deposit $5K. No strings attached.
East Boston Savings Bank has no way to open CDs online or by mail. Unless you live near a branch, you cannot open a new CD.
Why aren't rates shown in rate order, as they used to be? It is difficult to use the site with banks in alphabetical order - I need to use pen and paper to write things down! How quaint!
Thank you VG for sharing.
Live Oak Bank (liveoakbank.com) is offering 1.4% APY (simple interest) for a 12M CD with min. deposit $75K. No strings attached.
Icon credit union in Idaho and Oregon has a 1.25% AYP for a one year term, minimum balance of five hundred dollars. No maximum balance. You must become a member if the credit Union, but don't need to be one at the time.
The strategy of investing long-term and accepting a penalty for early withdrawal may work, but beware the fine print. Ensure that the institution states in writing, and without reservation, that early withdrawals will, as opposed to may, be permiited. The financial landscape changes frequently and what may suit any particular institution today may not suit it tomorrow, Beware, especially, sentences, usually buried in fine print, to the effect that the institution reserves the right to change any of its policies at any time.
Navy Federal Savings Bank is now at 2.71% for large deposits, but one must qualify for membership.
State Bank of India NY interest rates can be found at https://www.statebank.com/cer_deposit.aspAs far as I know, State Bank of India NY is a branch of State bank of India. State Bank of India CA is a subsidiary of State Bank of India. They act as two different banks, many times interest rates and other services are different.
Hi Gary S., State Bank of India the New York Branch currently offers a CD for 5 Years and above at 2.05 percent APY. The minimum deposit is $5,000 for U.S. resident consumers. We confirmed the APY today by checking their website and calling the bank. Please note rates are subject to change at any time. Applications for new accounts are accepted by mail. As with any financial institution we recommend you contact the bank or check their online disclosure for account terms, fees and other related information before you apply. You can check the FDIC status and find out financial information of a bank with this link to the FDIC website http://www.fdic.gov/. We added the bank location to our notes section. We hope all this helps. Take care and we appreciate you contacting us.
You report State Bank of India paying 2.05% APR for 5 year CD as of Oct. 30, 2013. Their office in California says it is now 1.3% APR, and has NOT been higher recently. What's with you? (Could you give a LINK to the bank, rather than me needing to do a Google search!)
Checking Pentagon Federal CU website shows their 2, 3 and 7 year certificate rates are appreciably lower than you report; i.e., .99%, 1.20% and 1.50% respectively for the period 4/1-30/13.
Pentagon FCU CD Rates. 2y- 1.35 and 3y- 1.60
Pentagon Federal rate is actually about 2%, not 2.4+%.
First National Bank of Kansas Rates as of Sep. 19th 5 year 1.99% 2.00% $500 noneWhat First National Bank of Kansas are you talking about? I have called two separate banks ( not branches ) that have this name and they don't know anything about this rate ?
Hi zaqxsw, Based on Doral Bank Direct's Web site the APY for the 3 year CD is 1.35% effective as of 9/9/2012. They also offer a 6 month CD earning 0.92% APY. Thank you for alerting us to the rate change, we have updated our site.
Doral Bank Direct 3 yr rate is incorrect. It should be 1.35% APY.Thanks for this site!
Used to like this website until they wasted screen space by putting this crappy facebook/twitter social bar.
Jorg Haider, Don't you mean to say 'Buy Gold and Farm property when the prices are low?' How many property owners have lost their pants recently?
My friend has just opened a 1-year CD denominated in RMB (Chinese Currency) with Bank of China in New York, getting 2.50% APY. Minimum open balance is USD10,000 with no maximum. According to their website, the deposit is also FDIC insured.
Hello S T,Thanks for bringing this to our attention. We have contacted OnBank for clarification regarding the availability of the 60 month CD.We will update the applicable product and rates as soon as we receive further information.
OnBank is shown in the 5 year CD list, but, to quote the response i received, "OnBank is not opening new accounts at this time, therefore the product pages are not available."
If the Monument Bank listed in 5-year CDs is the one in the Maryland-DC-Virginia area, the rates are lower than shown. As of March 1, the 60-month rate was 1.30%, not 1.98%. That discrepancy makes me think this must be another bank - where?
The Cecilian Bank in Radcliff, Ky is offering great rates, and they are a 5 star Bauer rated bank. Yesterday, I got 2.30% on a 5 yr CD. They also offer 2.20 on 4 yr and 1.9% on 3 yr CDs. I opened locally, and don't know about the process through mail or online, but they have a website at www.thececilianbank.com with contact info.
Tennessee Commerce Bank is no more. The FDIC closed it on Jan 27. Republic Bank has taken it over, with low rates now offered.
The 1 year CD rate for The Bank of the Internet is incorrect. The correct rate is .75
Tompkins Trust Company requirements to open an account: Live, work, attend school or will be attending school in one of the following counties: Tompkins, Seneca, Schuyler, Cayuga or Cortland.
were do we go to find rates from foreign banks or non banks any ideas much appreciated.
TCT Credit Union 3yr min. $1000 2.00% APY
Doral Bank Direct http://www.doralbankdirect.com/cd_learn.asp 1.65% 3yr. CD's
Beal Bank APY 1.1% 12 month CD
this is are government at work. they caused the housing bubble by lowing rate and subprime loans. now they are bailing out the banks while are seniors are collecting less than 2% on there savings.
first financial group is a so-called c.d. locator group and is a complete fraud. they offered 3.01% in the paper so when i made an appointment they offered me 3% on $10,000 and .75% on the second $10,000.. you do the math. it comes to 1.88%. they wasted my time and fraudulently advertised. the ftc should take a serious look at this company.
What goes up must come down remember that old adage? Gold is rising now but 1 day will be worthless
Linda Hurst is incorrect in saying midfirstdirect is offering 1.5% for 1 year, check their site, it's APR is 1.05% for 1 year.
midfirstdirect.com is offereing 1.5% APR on 1 yr CD.
Buy gold or farm property,everything else is a suckers bet when all the world economies collapse.
What do you think of a U.S. Treasury I Bond instead of a one year C.D. even considering the redemption penalty of the bond?
Wells Fargo ,Atlanta
3.44% with an APY of 3.50% on a 10-year FDIC insured CD with IGOBanking.Com. Hmmm...This sounds tempting; however, I am wondering if it would really be prudent to lock my $$$ in for such a long-term. I currently have two existing jumbo CD's - One with Capital One Bank that I opened in August 2008 for 5-years @ 5.12% (5.25% APY) and the other with Sovereign Bank - 5-years @ 2.96% (3.00% APY). My Capital One CD is due to mature in August 2013 & my Sovereign Bank CD will not mature 'til February 2016. I am wondering, at this rate, with the overall dismal outlook on our US economy, if the Federal Funds rate will ever be increased again. The Fed's say inflation remains subdued and under control. Well, I guess that's true if you don't eat or drive an automobile.
I see an ad in the Greenville News for a 6 month CD at 3.85%. this is offered by the First financial Group. Is this a group i can trust? Anyone know. BBB gave them a A-, because they have not been in business long and there are no complaints.
Capital One Bank, APY 3,00%, 10 year, 3-4 aug.,the branch in Skokie. Thank you!
http://www.fortknoxfcu.org/cdrates.html has a 59 month CD for 2.60%. minimum to open 500.00. Can get on line. Must open a share savings account with the credit union, need to be a member, which is easy, if no other reason to be a member applies, you can choose "other" and they will email you an application to mail back. 10.00 one time fee to open the savings, and 5.00 minimum balance
First Choice Bank, APY 1.50%, 2 years, July 20, 2011, opened only in branch (Cerritos/Alhambra, CA)
Midfirst Bank, Oklahoma City, OK 84 month callable CD APY 3.10 %
I put a call into Georgia Primary Bank to inquire about opening a CD. All of Georgia Primary Bank deposits are available for Georgia residents only
I just opened an account last week at First Choice bank in Cerritos, CA. It was a 366-day term CD with APY 1.35%. Accounts need to be opened in the branch, and their rates can also be found at www.firstchoicebankca.com
The Wells fargo is .03%...not 3% for savings. Ally looks to be the best and most consistent
WELLS FARGO HAS PROMO SAVING ACCOUNT @ 3% FOR 13 MO. BUT LIMIT IS $500.00, cAN'T MAKE MUCH BUT THE RATE IS GREAT FOR TODAY'S MARKET
How come I never see Kearny Bank in any of the listings. They give the best rate out there.
How come I never see Kearny Bank on any listings. I find them to have the best cd for seniors.
SalemFive Bank https://www.salemfive.com/index.php/personal/banking/account-rates#regcd24 month CD at 1.75% APY
Salie Mae: 2.15 APY - No Minimum. https://banking.salliemae.com/login.do?_flowExecutionKey=_cE6A5B3C8-631C-D783-5185-C5BB731FE104_kF9916232-C420-C6F3-F7FC-9BD461B0BAD0
Previous question about Navy Credit Union -- One has to have a connection to Navy or be related to someone with a connection. That person must be a member of the Credit Union. At their website they have an extended list of who would be eligible. Don't get too excited though. The maximum deposit amount eligible for that 3% rate is $3000.
What are the Highest Certificate of Deposit Rates in Virginia
Hi,I would like to have some info about your 3% Special Easy Start Certificate-$3,000 maximum. Do I need to be a navy person to sign up for that CDthanksMarc
Doral Bank Direct (internet only bank) is currently offering a 12 Month CD @ 1.40% APY. The link to their rates is http://www.doralbankdirect.com/cd_learn.asp.Thanks, Josh Scribner
The CD's need to pay more if that may be possible? Please furnish Local Banks in our area.
I am not working there:https://www.ssfcu.org/en-us/rates/Pages/default.aspxI just use them - the best overall conditions, penalties and rates
INTERRESTED IN NAVY FEDERAL CREDIT UNION. IS IT FEDERALLY INSURED? PLEASE GIVE AN ANSWER WITH DETAILS.THANK YOU RUTH
Page Valley Bank will not let you open accounts over the phone or internet you must live close enough to go to the bank to get the rate.
USA One Credit Union is proud of the great rates we offer on CDs. Please see below for a full list of CD rates and visit our website (www.usaonecu.com) for details on our full range of products and services.CD Rates with $250 minimum deposit Dividend APY 3 Month: 0.45% 0.45% 6 Month 0.60% 0.60% 9 Month 0.72% 0.73% 12 Month 0.85% 0.85% 18 Month 0.90% 0.90% 24 Month 1.09% 1.10% 30 Month 1.14% 1.15% 36 Month 1.59% 1.60% 42 Month 1.66% 1.68% 48 Month 1.74% 1.75% 60 Month 1.93% 1.95% 120 Month 2.33% 2.35%
Looking for the best 18 month CD rate in either Maryland or New York.
10 Year CD Rate is now 3.67% 3.62% rate with 3.67% yield on 10 Year CD at First Federal Savings Bank. Can open online. View at this link: Part bank is First Federal Savings Bank of Elizabethtown (Kentucky) http://www.ffsbky.com/site/rates.html?40004#cd_ira
Looking to find a high cd rate for 6-8 months...deposit of $10,000.
Looking for best CD rate for $10K for 60 days if there is such an animal.
Agree with Frank, see comment 8/24/10. I just opened a 24 month "raise your rate" at 1.52 APY CD with Ally Bank online. It was very easy to open and set up. Thanks for the information Frank.
Looking for high rates as possible in the 5 to 7 year time w/ FDIC
I USED IGOBANKING AND FOUND ABSOLUTELY NO PROBLEM.THE ACCOUNT WAS OPENED EASILY AND MY CONTACT WITH ONE OF THE VPS WAS VERY HELPFUL.IF ALL BANKS WORKED THIS SMOOTHLY LIFE WOULD BE A BIT EASIER HRB
Justice Federal Credit Union announced a 7.50% APY savings rate, an astounding rate on a short term share certificate offered to Members as they wrap-up their 75th Anniversary Year. With an annual percentage yield of 7.50%, this 75 day share certificate offers one of the highest rates in the country.Justice FCU proudly serves those who serve justice, law enforcement, and homeland security across the nation. This offering is their way of saying thank you to their members for 75 years of service.
Dear Robin:I just looked up your suggestion and it is no wheres to be found.They only had 2% APY for a 5 year cd. It sure is not from their site you supposedly found this out? Do you have a link????????I have checked this bank often and it has always had lower reates than others, consistently over the last year.
iGOBanking makes you jump through hoops - I don't care what their rates are - we tried to open a 2 year 2.65% CD - they said we were accepted and never debited our account. Said they would guarantee the rate - but took over 2 weeks to verify our address since we hadn't lived here for more than 2 years - just not easy to do business with - we canceled the application. Not worth the hassle - if it is that onerous to open an account, what would it be to cash it in and get your $$$.
iGoBanking.com has just added a 24 month CD with 2.25% APY, minimum $1,000, which puts them at the top of your table.They are an online bank - according to their website: iGObanking.com is an online division of Flushing Savings Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer. I've seen them with some of the hightest rates quite frequently this year.
looking for best cd rate in Jacksonville, Florida for first time deposits
iGoBanking.com has just added an 18 month CD with 1.50% APY, minimum $1,000They are an online bank - according to their website: iGObanking.com is an online division of Flushing Savings Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer.I've seen them with some of the hightest rates quite frequently this year.
CDs up to 3.30%https://www.usaa.com/inet/ent_utils/McStaticPages?key=bank_cd_rates
Well, let's face it. All of these CD rates are miserable, and really tough for us old folk who depend upon interest income to pay our bills. For me, I have put all of my CD funds into Ally Bank. I find none more accessible, easy to communicate with, and especially a terrific 2 year CD with option to bump up once to a higher rate during that period if rates should go higher. This is great for a person like me who really prefers one-year CD committments.
Tidelands Bank Mt Pleasant,SC 843-284-8446 2.02 apy 7-month CD $1000 minimum new deposits ONLY no other accounts required
My wife and I had our retirement IRAs to re-invest and were not seeing rates much over 1% for a 12 month deposit and we did not want to go for 2 or more years at this time.Umpqua Bank has been around since 1928, in Oregon initially, but opened in July in Santa Rosa. Through August 31, they have a promotional CD for 13 months at 1.75% APY. This was the best we could find anywhere and we were happy to have it. A free interest-bearing checking account is included. Scott and Gioia were the staff we dealt with and they were terrific. All in all, a very pleasant and productive experience.
Virginia Commerce Bank offers a one year CD at an APY oF 1.55%.
Union Bank current cd promotions two year 2% and three yer 2.5%
2% at OneWest (former LaJolla Bank) in Dallas as of 12-4-10.
soveriegn bank in nh 3% at 36 months. Can I get any better?
2% at First Citizens bank in Corona CA
Everbank 3.21 3.26 5 year
I called Hanmi Bank northridge CA - there CD is 2.10 for a 6 to 12 month time line with a $90,000 + deposit
Td Bank Has great CD rates also 9 mth is 1.40% Minimum deposit $500 2 year is 1.50% minimum deposit $ 500 there 5 year is 4.00 % minimum deposit $ 1000.00. The best way to gain maximum interest potential is to go with a shorter term CD.
Yes, I found Delta Community Bank has a 1 Year CD @ 2.35%, which would be the highest rate on the list currently because Quantum Bank is only for Georgia customers. I found this rate online - do you think it is legit? thanks!
Park National Bank. Any branch. (Chicago area) 12 month CD 2.20% APY. Minimum deposit 1,000.00. In person only. 8/25/09
Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00.
2.20 % for 1 yearPark National Bank
Washington Federal Bank for Savings has a 6 month CD special at 1.96% apy. $1,000 minimum to open. They have 2 offices 2869 S. Archer Ave 773-254-3422 and 1410 W. Taylor St. 312-455-2940. A branch visit is required to open the account. They have been around for 96 years and are rated a 5 star bank by Bauer Financial (www.bauerfinancial.com).
looking for highest FDIC insured CD rates for 6months to 1 year
I would like to know the best rate around since my CD matures tomorrow!
Check out Citibank 60mo. CD Rate
3mo. and 6mo cd rates
Check Susquehanna Valley Federal Credit Union
Looking for the best 1 year CD for $25,000.
My son is in college and I would like to have up to a 6yr plan to be able to pay his tuition plus room and board, still have some left over to do other things with for projects.
To invest about $170,000 for 3 months.
need ga.rate
Looking for the best rate on CDARS for 13 weeks. Can be a bank outside of Florida if they accept non resident companies. CDARS are a group of CD's from various banks for very large amounts, so all of it is insured.
Bank of the west
I'm looking to place $80,000.00 in a local bank and would like a CD rate for the period of one year, eighteen months and two years.
Umpqua Bank, 2.5%apy, 13mos, 10k min. (umpquabank.com)
2.65 APY at Washington First Bank in Great Falls, VA.
Patelco Credit Union website says special promotional 1 year CD at 7% for "new members" but there was nothing listed about what criteria must be met to be a member so it sounds suspicious but that's the highest rate I've seen so I thought I would mention it....
3-month CD with First Fidelity Bank in Northern Virginia for 4.01%.
Where in New Jersey is the bank who gives the highest interest rate on the shortest period of time. What is the amount of CD money and how much is the interet rates.
Be aware that the 4% churchextension.org CD is a note and not insured by the FDIC or any other government agency. Rates may change without notice.
Check churchextension.org, the Christian Church (Disciples of Christ) is offering a special CD at 4% rate on thier green account.
Opened account at Allybank.com; CD rate 2.23%; APY 2.25; 1 yr CD, as of 7/6/09; online only; no min deposit; no checking or savings acct required.
Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09
Amboy Direct One Year CD Rate @ 2.35%
www.broadwayfederalbank.com/Managers Special CD Rates 24 months 3.00 APR 3.05 APY
Hudson City Savings in upstate NY, Nj and Ct has 12Month cd @2.25%. No checking or anything required. Branch visit required. My son opened an account on Sat. and the employees are very helpful and friendly.
American Trust Bank CD - 15month term $5,000
Looking for rates up to 1 year, not longer.
highest interest rates for saving and cd rate
Looking for highest cd rate in idaho banks.
Best ratea in local banks.
U.S.Bank (formely Downey Savings) 4% five yearsPentagon Federal Credit Union 4% five years.
What are the best rates as of 6/25/09
The Hanmi Bank online CD is available ONLY to California residents. It is better that this info be added to your advertisement on the Money-Rates webpage.
Looking for the best rate for a $10,000 for our condo owners association
WHat are the best Rates for a FDIC insured CD in Arizona
3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website
Robins Federal Credit Union is offering a 1 year CD Annual Percentage Yield is accurate as of June 18, 2009. Share Certificates & IRA Share Certificates Term Amounts Dividend Rate APY* 6 month $500 - $49,999.99 1.982% 2.000% 12 month $500 - $49,999.99 2.472% 2.500%
Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here!