User Updated CD Rates and Terms

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Please note:

>DISCLAIMER: Rates are for information purposes only and do not represent an endorsement or recommendation of any listed institution. Indicated rates are those published by the institution. Updates are made by FW members on a timely basis. However, as rates can change frequently and without notice, contact the institution to verify the current rate prior to investment. Investigate before you invest!

>Only FDIC Insured Banks in the USA as well as Insured Credit Unions with NO or MINIMAL restrictive membership requirements.

>Includes primarily rates that are posted on the institution's website as these can be more easily monitored and updated. Exceptions should be noted.

>Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC OR OTHER RESTRICTIONS and posted as "% APY".

>Rates are monitored by myself and other FW members and updates will be posted as changes occur

MrFrugality
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Key:

$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher (+ denotes high end of range)(++ $100,000 and up)
D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting

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My latest UPDATE 11/23/2006 - MrFrugality

3 Month
*U $$$$+ State Bank of India 5.56%
U $$$ VirtualBank 5.56%
U $ Imperial Capital Bank 5.50%
*U $$$$ State Bank of India 5.46%
U $$ Indy Mac Bank 5.45%
S $$$ Countrywide 5.30%
D $$$$+ Stearns Bank 5.30%
D $$$$+ Advanta Bank Corp 5.30%
S $$$ FirstFedDirect 5.26% - California residents excluded from this offer.
U $ Gmac Bank 5.25%
S $$$$+ ESB Bank 5.25%
D $$ UFB Direct 5.25%
D $$$ Advanta Bank Corp 5.20%
S $ Nexity Bank 5.15%
N $$$$ Discoverbank 5.14%
S $ Everbank 5.10%
D $ UmbrellaBank 5.10%
S $ First Internet Bank of Indiana 5.06%
N $$$ Discoverbank 5.05%
D $$$$+ Corus Bank 5.05%
D $$$ Corus Bank 5.05%
S $ Bank of Internet 5.00%
S $ E*Trade Bank 5.00%
S $$ Giant Bank 5.00%
S $$$$ KeyDirect 4.85%
S $$$$ KeyDirect 4.80%
S $$$ KeyDirect 4.80%
S $$ KeyDirect 4.80%
D $ Self Help Credit Union 4.75% - Highly volatile rates; verify

6 Month
*S $$$$+ State Bank of India 5.56%
S $ Imperial Capital Bank 5.55%
S $$$ FirstFedDirect 5.51% - California residents excluded from this offer.
D $ AmTrust Direct 5.51%
U $$ Indy Mac Bank 5.50%
D $ Ascencia Bank 5.50%
*S $$$$ State Bank of India 5.46%
S $ Nexity Bank 5.45%
D $$$ Corus Bank 5.45%
D $$$$+ Corus Bank 5.45%
D $ First Internet Bank of Indiana 5.43%
D $$$$+ Advanta Bank Corp 5.42%
D $$ Giant Bank 5.41%
U $$$ Affinity Bank 5.404%
D $ Millenium Bank 5.40%
U $ Everbank 5.40%
D $ Bank of Internet 5.36%
D $$$$ KeyDirect 5.36%
D $$$$ KeyDirect 5.35%
D $$$ KeyDirect 5.35%
D $$ KeyDirect 5.35%
S $$$ Countrywide 5.35%
U $ Gmac Bank 5.35%
*S $ State Bank of India 5.35%
D $$$ LaJolla Bank 5.35%
U $ Stonebridge Bank 5.35%
D $ E*Trade Bank 5.35%
D $$$ Advanta Bank Corp 5.35%
D $$$$+ Stearns Bank 5.32%
U $$$$+ ESB Bank 5.31%
U $$ UFB Direct 5.30%
D $$$$ Resource Bank 5.30%
D $$$$ E-LOAN 5.30%
S $ Lehman Brothers Bank 5.2530%
D $ Citibank 5.25%
N $$$$ Discoverbank 5.14%
D $ Emigrant Direct 5.20%
D $ UmbrellaBank 5.20%
D $$$ E-LOAN 5.20%
D $ ebank 5.15% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.40%)
D $$ Intervest Bank 5.15%
N $$$ Discoverbank 5.14%
N $ Everbank 5.12%
D $ NetBank 5.05%

9 Month
D $$$ FirstFedDirect 5.55% - California residents excluded from this offer.
D $ AmTrust Direct 5.51%
U $ Amtrust Bank 5.45%
S $ Imperial Capital Bank 5.40%
S $ Nexity Bank 5.40%
U $$$ VirtualBank 5.39%
U $$$$+ ESB Bank 5.39%
D $$$$+ Advanta Bank Corp 5.39%
D $ Bank of Internet 5.36%
U $ Gmac Bank 5.35%
D $ UmbrellaBank 5.35%
D $$$ Countrywide 5.35%
S $$ Indy Mac Bank 5.25%
D $ Everbank 5.21%
N $$$$ Discoverbank 5.20%
D $ Emigrant Direct 5.20%

1 Year
D $$$ FirstFedDirect 5.64% - California residents excluded from this offer.
D $$ Melrose Credit Union 5.61% - $500 minimum checking required to receive dividends
D $ AmTrust Direct 5.60%
D $ Nexity Bank 5.55%
D $$$ LaJolla Bank 5.55%
*U $$$$+ State Bank of India 5.51%
U $$$$+ Allied First 5.50%
D $$$ Pacific Mercantile Bank 5.48%
D $$ Giant Bank 5.47%
N $ Amtrust Bank 5.45%
S $$$ Advanta Bank Corp 5.45%
D $$$$+ Advanta Bank Corp 5.45%
D $ Ascencia Bank 5.45%
D $$$ Corus Bank 5.45%
D $$$$+ Corus Bank 5.45%
D $ First Internet Bank of Indiana 5.43%
U $$$$ State Bank of India 5.41%
D $ Bank of Internet 5.41%
S $ Lehman Brothers Bank 5.4004%
U $ Gmac Bank 5.40%
S $$$ Affinity Bank 5.40%
D $ E*Trade Bank 5.40%
S $ Imperial Capital Bank 5.40%
S $ Nexity Bank 5.40%
D $ UmbrellaBank 5.40%
D $$$$ KeyDirect 5.37%
D $$$$ KeyDirect 5.35%
D $$$ KeyDirect 5.35%
D $$ KeyDirect 5.35%
D $$ California First National Bank 5.35%
S $ Mutual Bank 5.35%
D $ Stonebridge Bank 5.35%
D $ Transporation Alliance Bank 5.34%
D $ National Bank of Kansas City 5.30%
S $$ Indy Mac Bank 5.30%
D $$$ Countrywide 5.30%
D $$$$ E-LOAN 5.30%
U $ State Bank of India 5.30%
D $ ebank 5.25% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.50%)
D $$$$+ ESB Bank 5.25%
S $$ UFB Direct 5.25%
D $$$$+ Stearns Bank 5.25%
D $ NetBank 5.25%
D $ Everbank 5.21%
N $$$$ Discoverbank 5.20%
D $ Emigrant Direct 5.20%
D $ ING 5.20%
D $$ Intervest Bank 5.20%
D $$$ E-LOAN 5.20%
N $ Agriculture FCU 5.15%
N $$$ Discoverbank 5.14%
D $ Millenium Bank 5.10%
D $ State Farm Bank 5.10%
D $ Self Help Credit Union 5.03% - Highly volatile rates; verify
D $ The Asian Bank 5.00%
D $ American Partners Bank 5.00%
D $$ Flagstar Bank 5.00%
D $$ California First National Bank 5.00%

1.5 Year
D $ Bank of Internet 5.53%
S $ Lehman Brothers Bank 5.4531%
S $$$$+ Stearns Bank 5.42%
D $ Bank of Internet 5.41%
D $$$ Pacific Mercantile Bank 5.41%
S $$$ Affinity Bank 5.40%
D $$ Mutual Bank 5.40%
D $$$ Advanta Bank Corp 5.40%
D $$$$+ Advanta Bank Corp 5.40%
D $ First Internet Bank of Indiana 5.38%
D $ American United Bank 5.35%
D $ Stonebridge Bank 5.35%
D $ Amtrust Direct 5.33%
D $$$$ KeyDirect 5.32%
D $$$$ KeyDirect 5.30%
D $$$ KeyDirect 5.30%
D $$ KeyDirect 5.30%
U $ Gmac Bank 5.30%
N $ Amtrust Bank 5.30%
D $ National Bank of Kansas City 5.30%
S $ The Asian Bank 5.25%
D $ E*Trade Bank 5.25%
D $ ebank 5.25% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.50%)
D $ UmbrellaBank 5.25%
D $$$$ E-LOAN 5.25%
D $ Everbank 5.21%
S $ ING 5.20%
D $$$$+ ESB Bank 5.20%
D $ Emigrant Direct 5.20%
D $$ Intervest Bank 5.20%
N $ Agriculture FCU 5.15%
S $$$ VirtualBank 5.15%
D $$$ E-LOAN 5.15%
S $ NetBank 5.13%
D $ Millenium Bank 5.10%
D $ Imperial Capital Bank 5.10%
D $$$ Countrywide 5.10%
S $$ Indy Mac Bank 5.05%

2.0 Year
D $$ Melrose Credit Union 5.67% - $500 minimum checking required to receive dividends
S $$$ International Bank of Chicago 5.61%
S $$$ LaJolla Bank 5.55%
S $$ Lehman Brothers Bank 5.5058%
D $$ Mutual Bank 5.50%
D $$$ Pacific Mercantile Bank 5.41%
D $ Bank of Internet 5.41%
S $$$ Affinity Bank 5.40%
U $$$$+ ESB Bank 5.40%
D $$$ Advanta Bank Corp 5.40%
D $ First Internet Bank of Indiana 5.38%
*U $$$$+ State Bank of India 5.35%
D $$$$+ Advanta Bank Corp 5.40%
D $ Stonebridge Bank 5.35%
D $ Transporation Alliance Bank 5.34%
S $$$$+ Allied First 5.32%
U $ Gmac Bank 5.30%
N $ Amtrust Bank 5.30%
D $ National Bank of Kansas City 5.30%
D $ Nexity Bank 5.30%
D $$$$ KeyDirect 5.27%
D $$$$ KeyDirect 5.25%
D $$$ KeyDirect 5.25%
D $$ KeyDirect 5.25%
*U $$$$ State Bank of India 5.25%
D $ ebank 5.25% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.50%)
D $ The Asian Bank 5.25%
S $$ Giant Bank 5.25%
D $ E*Trade Bank 5.25%
D $ Amtrust Direct 5.25%
D $ State Farm Bank 5.25%
D $$$$ E-LOAN 5.25%
D $ ING 5.20%
D $ Emigrant Direct 5.20%
D $$ UFB Direct 5.20%
D $ NetBank 5.20%
D $$ Intervest Bank 5.20%
*U $ State Bank of India 5.15%
N $ Agriculture FCU 5.15%
S $$$ VirtualBank 5.15%
D $ Millenium Bank 5.15%
D $ UmbrellaBank 5.15%
D $$$ E-LOAN 5.15%
D $ Self Help Credit Union 5.10% - Highly volatile rates; verify
S $ Imperial Capital Bank 5.10%
D $$$ Countrywide 5.00%
D $$ California First National Bank 5.00%
S $$ Indy Mac Bank 5.05%

3 Year
S $$ Melrose Credit Union 5.72% - $500 minimum checking required to receive dividends
D $$ Mutual Bank 5.60%
S $ Lehman Brothers Bank 5.5480%
DU $ AmTrust Direct 5.43%
D $ Pentagon Federal Credit Union 5.41%
D $$$ Pacific Mercantile Bank 5.41%
D $ Bank of Internet 5.41%
S $$$ Affinity Bank 5.40%
*U $$$$+ State Bank of India 5.35%
D $ Stonebridge Bank 5.35%
D $$$ Advanta Bank Corp 5.35%
D $$$$+ Advanta Bank Corp 5.35%
S $$$$+ Allied First 5.34%
D $ Transporation Alliance Bank 5.34%
D $ First Internet Bank of Indiana 5.33%
N $ Millenium Bank 5.30%
U $ Gmac Bank 5.30%
D $ National Bank of Kansas City 5.30%
*U $$$$ State Bank of India 5.25%
D $$$$ KeyDirect 5.27%
D $$$$ KeyDirect 5.25%
D $$$ KeyDirect 5.25%
D $$ KeyDirect 5.25%
N $ Agriculture FCU 5.25%
S $$ Giant Bank 5.25%
D $ E*Trade Bank 5.25%
D $ ebank 5.25% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.50%)
$ State Farm Bank 5.25%
D $ State Farm Bank 5.25%
D $ Amtrust Bank 5.21%
D $ ING 5.20%
D $$$$+ ESB Bank 5.20%
D $ Emigrant Direct 5.20%
D $$ UFB Direct 5.20%
D $$ Intervest Bank 5.20%
D $$$$ E-LOAN 5.20%
S $ NetBank 5.16%
*U $ State Bank of India 5.15%
S $$$ VirtualBank 5.15%
D $ UmbrellaBank 5.15%
D $$$ E-LOAN 5.10%
S $$ Indy Mac Bank 5.05%
D $ Self Help Credit Union 5.04% - Highly volatile rates; verify
S $$$ Countrywide 5.00%
D $$ California First National Bank 5.00%
S $ Imperial Capital Bank 5.00%

4 Years
S $$ Melrose Credit Union 5.77% - $500 minimum checking required to receive dividends
S $ Lehman Brothers Bank 5.5480%
S $$$$+ Allied First 5.45%
D $ Pentagon Federal Credit Union 5.42%
D $ Bank of Internet 5.41%
N $ Millenium Bank 5.40%
D $$$$ KeyDirect 5.38%
D $$$$ KeyDirect 5.36%
D $$$ KeyDirect 5.36%
D $$ KeyDirect 5.36%
D $ Stonebridge Bank 5.35%
U $ Allied First 5.35%
D $$$ Advanta Bank Corp 5.35%
D $ Transporation Alliance Bank 5.34%
D $ First Internet Bank of Indiana 5.33%
U $ Gmac Bank 5.30%
D $ National Bank of Kansas City 5.30%
D $ ebank 5.25% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.50%)
S $ Agriculture FCU 5.25%
D $$$$+ ESB Bank 5.25%
D $ ING 5.20%
D $ Emigrant Direct 5.20%
D $$ Intervest Bank 5.20%
D $$$$ E-LOAN 5.20%
S $ NetBank 5.17%
S $$$ VirtualBank 5.15%
D $ UmbrellaBank 5.15%
D $$$ E-LOAN 5.10%
S $$ Indy Mac Bank 5.05%
D $ Self Help Credit Union 5.03% - Highly volatile rates; verify
D $$$ Countrywide 5.00%

5 Years
S $$ Melrose Credit Union 5.82% - $500 minimum checking required to receive dividends
S $$$$ Providian Bank 5.75%
S $ Agriculture FCU 5.65%
S $ Lehman Brothers Bank 5.6008%
S $$$$+ Allied First 5.55%
N $ Millenium Bank 5.50%
D $ Bank of Internet 5.41%
D $ Pentagon Federal Credit Union 5.42%
D $$$ Pacific Mercantile Bank 5.41%
D $$$$ KeyDirect 5.41%
D $$$$ KeyDirect 5.40%
D $$$ KeyDirect 5.40%
D $$ KeyDirect 5.40%
S $$$ Affinity Bank 5.40%
U $$$$+ State Bank of India 5.35%
U $ Gmac Bank 5.35%
D $ Stonebridge Bank 5.35%
D $$$ Advanta Bank Corp 5.35%
D $ Transporation Alliance Bank 5.34%
D $ First Internet Bank of Indiana 5.33%
D $$ Intervest Bank 5.31%
N $ Amtrust Bank 5.30%
D $ National Bank of Kansas City 5.30%
U $$$$+ ESB Bank 5.30%
D $ Amtrust Direct 5.27%
*U $$$$ State Bank of India 5.25%
S $$ Giant Bank 5.25%
D $ E*Trade Bank 5.25%
D $ ebank 5.25% - (ePremium Checking customers receive a 1/4% CD rate bonus => 5.50%)
S $ NetBank 5.23%
D $ ING 5.20%
D $ Emigrant Direct 5.20%
D $$ UFB Direct 5.20%
D $$$$ E-LOAN 5.20%
D $$ Intervest Bank 5.21%
*U $ State Bank of India 5.15%
S $$$ VirtualBank 5.15%
D $ UmbrellaBank 5.15%
U $$$$+ State Farm Bank 5.15%
D $ Everbank 5.12%
D $$$ E-LOAN 5.10%
D $ Self Help Credit Union 5.05% - Highly volatile rates; verify
S $$ Indy Mac Bank 5.05%
D $ State Farm Bank 5.05%
S $$$ Countrywide 5.00%
S $ Imperial Capital Bank 5.00%

Odd Term
U $$$$+ 15-29 day ESB Bank 5.15%
U $$$$+ 1 mo State Bank of India 5.15%
U $$$$+ 30 days Stearns Bank 5.33%
U $$$$+ 30-364 day ESB Bank 5.20%
U $$$$+ 60 days Stearns Bank 5.37%
D $$$ 4 mo World Savings 5.51%
N $ 4 mo Amtrust Bank 5.40%
S $ 4 to 6 mo. American United Bank 4.50%
D $$ 5 mo Indy Mac Bank 5.50% - Call (877) 748-0005 to receive special offer.
D $$$ 5 mo World Savings 5.26%
D $$$ 5 mo World Savings 5.40%
D $ 7 to 12 mo. American United Bank 5.25%
D $$ 7 mo Indy Mac Bank 5.05%
D $$$ 10 mo World Savings 5.40%
S $ 11 mo Digital Credit Union 5.50%
D $$ 13 mo Flagstar Bank 5.13%
S $ 13 month WFB 5.65%
D $ 13 to 24 mo. American United Bank 5.30%
S $ 14 mo Millenium Bank 5.65%
N $$$ 13 mo World Savings 5.76% - New Funds only
D $ 15 mo E*Trade Financial 5.25%
S $ 16 mo Digital Federal Credit Union 6.00%
D $ 25 to 36 mo. American United Bank 5.35%
D $$ 30 mo Mutual Bank 5.55%
S $$$ 30 mo Advanta Bank Corp 5.70%
U $ 30 mo AmTrust Direct 5.46%
N $ Amtrust Bank 5.30%
N $ 30 mo ebank 5.60%
U $$$$ 30 mo KeyDirect 5.53%
U $$$$ 30 mo KeyDirect 5.51%
U $$$ 30 mo KeyDirect 5.51%
U $$ 30 mo KeyDirect 5.51%
S $ 30 mo Stonebridge Bank 5.50%
D $ 30 mo The Asian Bank 5.50%
U $ 30 mo Amtrust Bank 5.50%
U $$$ 30 mo Affinity Bank 5.40%
S $$$ 30 mo Countrywide 5.25%
D $ 37 to 48 mo. American United Bank 5.40%
D $ 49 to 60 mo. American United Bank 5.45%
D $$$ 7 years Countrywide 5.25%
U $ 7 years Pentagon Federal Credit Union 5.42%

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Key:

$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher (+ denotes high end of range)(++ $100,000 and up)
D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting

Original thread found here.


My latest UPDATE 11/23/2006 - MrFrugality