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rated:
The old CD thread is here. Thanks to all those who contributed to that thread and made it the best place on the net to find rates. Let's keep that up and use the excellent format from the previous cd thread with some minor updates.

Moderator Comment: Thank you for your participation. Please note this is a rate thread. All discussion about this topic goes here Here. — Feb. 6, 2011 @ 9:47pm
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15 month 1.2% APY
60 month 2.3%

ioio (Jul. 17, 2014 @ 1:53p) |

UniCredit Bank is offering to pay up to 8.25% APR for 6 month deposits of $30,000.01 USD or more.
LINK 

AziziBank is offer... (more)

Waffles (Sep. 22, 2014 @ 10:55a) |

These %interest sound great! But, could you trust an Afganistan Bank to hold your money?

pattyB (Sep. 22, 2014 @ 11:46a) |

ATTENTION PLEASE - Posting Guidlines:

>>>RATES POSTED should be those OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC RESTRICTIONS. Other minimal restrictions should be made with a notation. (Want to post about CD's that are limited by geographic or membership restrictions? Post these deals here - The YMMV, Geographic/Membership Restricted CD Rate Thread (user updated) ).

>>For DISCUSSION of cds as a topic please post here - discussion Thread for CD Thread 


>DISCLAIMER: Rates are for informational 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. However, as rates can change frequently and without notice, contact the institution to verify the current rate prior to investment. Do your own research before you invest!

>Only FDIC Insured Banks in the USA as well as NCUA Insured Credit Unions with NO or MINIMAL restrictive membership requirements will be listed in the main rates section. Non federally insured Credit Unions will be listed in a separate section.

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

>Please post rates as "% APY".

>Please feel free to update rates as changes occur.

>Those wishing to discuss cds as a topic should post here - discussion Thread for CD Thread 

>Interested in the best rates for checking accounts, money market accounts, and savings accounts? Please check here - Best Nationally Available High APY Liquid Accounts 

>Where do you search for the best rates? Please post these in the resource section in the quick summary.
-------------------------------------------------------------------------------

Key:

D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting
MM/DD/YY - Date of last rate check
$ - 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)

------------------------------------------------------------------------------


6 Month
S 12/23/13 $ Doral Direct 0.87% 


9 Month
S 12/23/13 $ Doral Direct 0.91% 


1 Year
U 03/27/14 $$ Melrose Credit Union 1.15% 
U 07/17/14 $$$$ GE Capital Retail Bank 1.10% (Formerly MetLife Bank)
U 09/01/14 $ Pentagon Federal Credit Union 1.05%  
U 07/17/14 $ GE Capital Bank 1.05%  
D 09/01/14 $$$ Virtual Bank 1.00%  
U 08/22/14 $$ Discover Bank 1.00%   
N 03/11/14 $ MidFirst Direct 1.00% 
U 09/10/14 $ Ally Bank 1.00% (Formerly GMAC Bank) 
S 12/23/13 $ Doral Direct 0.95% 


18 Month (1.5 Year)
U 07/17/14 $ GE Capital Bank 1.15%  
D 09/01/14 $$$ Virtual Bank 1.08%   
U 08/22/14 $$ Discover Bank 1.05%   
S 12/23/13 $$$$ GE Capital Retail Bank 1.05% (Formerly MetLife Bank)
U 09/10/14 $ Ally Bank 1.04% (Formerly GMAC Bank) 
S 12/23/13 $ Doral Direct 1.02% 


2 Year (24 Month)
U 03/27/14 $$ Melrose Credit Union 1.41% 
U 07/17/14 $ GE Capital Bank 1.20% 
U 09/10/14 $ Ally Bank 1.19% (Raise-Your-Rate CD) (Formerly GMAC Bank) 
D 09/01/14 $$$ Virtual Bank 1.16%   
U 01/19/14 $ Barclays 1.15%  
S 07/17/14 $$$$ GE Capital Retail Bank 1.15% (Formerly MetLife Bank) 
U 08/22/14 $$ Discover Bank 1.15%   
U 08/05/14 $ Alliant Credit Union 1.10% 
N 03/11/14 $ MidFirst Direct 1.10% 
S 12/23/13 $ Doral Direct 1.08% 
D 12/25/13 $$$$ Northwest Federal CU 1.05% 
S 12/25/13 $$$ E-LOAN 1.00% 


30 Month (2.5 Year)
U 08/22/14 $$ Discover Bank 1.20%   
U 06/22/14 $ EverBank 1.20%    
U 12/24/13 $ GE Capital Bank 1.15%  
U 08/05/14 $ Alliant Credit Union 1.10% 
D 08/22/14 $$ Intervest Bank 1.08% 


3 Year (36 Month)
U 03/27/14 $$ Melrose Credit Union 1.66% 
U 09/17/14 $ State Farm Bank 1.50%    
U 06/22/14 $ EverBank 1.45%   
U 05/02/14 $$$ Virtual Bank 1.36%  
U 09/10/14 $$$ Salem Five Direct 1.35%  
U 07/17/14 $ GE Capital Bank 1.35%  
U 01/19/14 $ Barclays 1.35% 
N 03/11/14 $ MidFirst Direct 1.30% 
S 12/25/13 $$$$ GE Capital Retail Bank 1.30% (Formerly MetLife Bank)
U 08/05/14 $ Alliant Credit Union 1.30% 
U 08/22/14 $$ Discover Bank 1.30% 
D 08/22/14 $$ Intervest Bank 1.25%  
S 12/23/13 $ Doral Direct 1.22%  
D 12/25/13 $$$$ Northwest Federal CU 1.20% 
S 12/24/13 $ Ally Bank 1.20% (Formerly GMAC Bank)
U 05/26/14 $ First Internet Bank 1.20%  
S 12/25/13 $$ California First National Bank 1.15% 
D 12/25/13 $$$ E-LOAN 1.10% 
S 12/23/13 $$ OneWest Bank 1.10% (Formerly IndyMac Bank)


4 Year (48 Month)
U 08/05/14 $ Alliant Credit Union 2.10% 
U 03/27/14 $$ Melrose Credit Union 2.02% 
U 09/17/14 $ State Farm Bank 2.00%     
U 08/19/14 $ EverBank 1.85%   
U 05/02/14 $$$ Virtual Bank 1.78%   
N 03/11/14 $ MidFirst Direct 1.75% 
U 02/24/14 $$$$ GE Capital Retail Bank 1.75% (Formerly MetLife Bank)
U 04/09/14 $ Barclays 1.70% 
U 04/15/14 $ GE Capital Bank 1.65% 
U 08/22/14 $$ Discover Bank 1.65% 
S 12/24/13 $ Alliant Credit Union 1.55% 
D 08/01/14 $ Franklin Federal Savings Bank 1.41% 
U 05/26/14 $ First Internet Bank 1.40%  
S 12/23/13 $ Doral Direct 1.35% 
D 12/24/13 $$$$ Northwest Federal CU 1.31% 
S 12/24/13 $ Ally Bank 1.30% (Raise-Your-Rate CD)(Formerly GMAC Bank)
D 07/15/14 $ Fort Knox FCU 1.25%  
S 12/23/13 $$ OneWest Bank 1.25% (Formerly IndyMac Bank)
D 08/22/14 $$ Intervest Bank 1.25%   
D 12/24/13 $$$ E-LOAN 1.20% 


5 Year (60 Month)
U 05/04/14 $$$$ GE Capital Retail Bank 2.30% (Formerly MetLife Bank) 
U 06/09/14 $ EverBank 2.30%    
U 03/27/14 $$ Melrose Credit Union 2.27% 
U 05/19/14 $ GE Capital Bank 2.25%  
U 04/09/14 $ Barclays 2.25% 
U 09/17/14 $ State Farm Bank 2.25%     
N 03/11/14 $ MidFirst Direct 2.15%   
U 08/05/14 $ Alliant Credit Union 2.10% 
U 08/22/14 $$ Discover Bank 2.10%  
U 09/10/14 $ Ally Bank 2.00% (Formerly GMAC Bank) 
D 07/13/14 $$$ Virtual Bank 1.81%     
D 08/01/14 $ Franklin Federal Savings Bank 1.81%    
U 05/26/14 $ First Internet Bank 1.80% 
D 12/26/13 $ Doral Direct 1.53%   
S 12/21/13 $$$ E-LOAN 1.51% 
S 12/21/13 $ Digital Federal Credit Union 1.50% (1.75% with relationship checking)
S 12/21/13 $ Patelco Credit Union 1.50% 
U 05/26/14 $$ OneWest Bank 1.50% (Formerly IndyMac Bank)
D 12/21/13 $$$$ Northwest Federal CU 1.41% 
D 07/15/14 $ Fort Knox FCU 1.40% (59 Month) 
D 12/21/13 $ Bank of Internet USA 1.35% 
D 08/22/14 $$ Intervest Bank 1.25%   
D 08/01/14 $ Pentagon Federal Credit Union 1.21%  


7 Year (84 Month)
N 03/11/14 $ MidFirst Direct 2.75% 
D 08/01/14 $ Franklin Federal Savings Bank 2.22% 
U 08/22/14 $$ Discover Bank 2.20% 
U 09/17/14 $ Doral Direct 1.95% 


10 Year (120 Month)
N 05/28/14 $ MidFirst Direct 3.00%  
U 08/22/14 $$ Discover Bank 2.30% 
U 09/17/14 $ Doral Direct 2.30%  


Other
S 12/21/13 $ 11 Month (No-Penalty) Ally Bank 0.87% 
S 12/21/13 $ 12 Month Patelco Credit Union 5.00% (New members only, 1K min/1K max)
U 05/19/14 $ 6 Year GE Capital Bank 2.30% 
D 08/01/14 $ 6 Year Franklin Federal Savings Bank 2.02%  


Resources to search for the best rates:
rockstarbanks.com 
MyBankTracker.com 
BankAround.com 
Money-rates.com (short term CD Rates) 
Money-rates.com CD Rates (long term CD Rates) 
BanxCorp - http://www.banxquote.com 
bankdeals.blogspot.com 
Bankrate.com 
BestCashCow.com 
eMoneyCentral 
rateAPY.com 
bankCD.com 
GOtalkmoney.com 
RateZip CD Rates 
MoneyAisle.com 

Message edited by: iLoveTahoe on 2013-01-15 01:32:18 CST

rated:
FirstBank has some really good long term rates.

FirstBank

rated:
Now all we need is to get a mod to sticky this thread

rated:

rated:
ProBanker said: FirstBank has some really good long term rates.

FirstBank


I called it's for people in Iowa only.

rated:
What do you make of this.... 6m CD @ 7.44 apy

Obviously Worldwide Financial isn't a bank offering that rate, but that's a pretty crazy rate....

rated:
BlueEyed said: What do you make of this.... 6m CD @ 7.44 apy
Obviously Worldwide Financial isn't a bank offering that rate, but that's a pretty crazy rate....


It says FDIC insured so I called and a lady transferred me to some headhoncho. I asked him if he
has a website and he said NO...Thank you..

rated:
Did you happen to ask if it could be opened over the phone? Thx for the info.

rated:
You can only open it in person. I was really hoping I could get in on this.

rated:
mnsweeps said: BlueEyed said: What do you make of this.... 6m CD @ 7.44 apy
Obviously Worldwide Financial isn't a bank offering that rate, but that's a pretty crazy rate....


It says FDIC insured so I called and a lady transferred me to some headhoncho. I asked him if he
has a website and he said NO...Thank you..



-------------------------------------------------

I would be very careful on this. You really need to verify the bank behind this service. The rate is very high. Remember,
if it seems to good to be true it probably is.

I would never ACH or wire transfer funds through a service. Only my bank to the next bank after I verify the new bank and the account in my name only.

-------------------------------------------------------------------

rated:
davidaexp1 said: mnsweeps said: BlueEyed said: What do you make of this.... 6m CD @ 7.44 apy
Obviously Worldwide Financial isn't a bank offering that rate, but that's a pretty crazy rate....


It says FDIC insured so I called and a lady transferred me to some headhoncho. I asked him if he
has a website and he said NO...Thank you..



-------------------------------------------------

I would be very careful on this. You really need to verify the bank behind this service. The rate is very high. Remember,
if it seems to good to be true it probably is.

I would never ACH or wire transfer funds through a service. Only my bank to the next bank after I verify the new bank and the account in my name only.

-------------------------------------------------------------------


guy sounded shady..forget it..

rated:
I called, got someone who worked for the building management, not Worldwide financial. This is their address:

980 9th st
sacramento ca 95814

And there is no such bank listed at FDIC's bank search. Not even in the same zipcode. I'll call again tomorrow during business hours.

rated:
scam?? i talked to this guy, he asked for my number and said he'd call back, he never did, beware!!

rated:
soundtechie said: I called, got someone who worked for the building management, not Worldwide financial. This is their address:

980 9th st
sacramento ca 95814

And there is no such bank listed at FDIC's bank search. Not even in the same zipcode. I'll call again tomorrow during business hours.


It says in the ad that it's a bank CD advisory service (CD broker, I guess). It also says "World Currency Yields subject to change." It sounds to me like it may be some currency linked/denominated CD product like those at Everbank. Maybe you're getting 7.44 APY on rupees or something and hoping they stay stable or increase against the dollar during the term.

rated:
They are not listed at the FDIC website.

edit: oops, didn't see that someone had already mentioned this. Mods, please delete.

rated:
I live nearby and used to work at 980 9th Street; it's a large (for Sacramento) office building on the corner of 9th and J, known as the US Bank building. But don't let the building name fool you; I'm sure they're just leasing an office. It's a bit disconcerting that the ad doesn't list a suite number. I suppose I could go check it out, but this verbiage in the ad concerns me - "World Currency Yields subject to change daily". Sounds to me like it's not a fixed 7.44%. I'll stick with my 6% 12 mo Golden1 CU CDs that I got last July, which ARE guaranteed to hold their rate. And sadly that rate isn't available anymore.

rated:
I've got a general question. Can you add money to a cd once its established?

rated:
silenthill said: I've got a general question. Can you add money to a cd once its established?

Those are called LIQUID CDs

rated:
6 Month
N$$$$Merrill Lynch Bank 5.65%


DEAD

rated:
AmTrust - Phoenix AZ area, Ahwatukee Branch.

Certificate of Deposit:

9 mth CD @ 5.75% APY ($1K min) good thru 12/31/06.

Money Market:

Personal MM @ 6.00% guaranteed 180 days ($50K min) good thru 12/31/06.
Business MM @ 6.00% guaranteed 180 days ($1K min) good thru 12/31/06.

rated:
Rates from link on p1 do not correspond... are these rate for walk-in to that branch only? Thx

rated:
jdixon said: AmTrust - Phoenix AZ area, Ahwatukee Branch.

Certificate of Deposit:

9 mth CD @ 5.75% APY ($1K min) good thru 12/31/06.

Money Market:

Personal MM @ 6.00% guaranteed 180 days ($50K min) good thru 12/31/06.
Business MM @ 6.00% guaranteed 180 days ($1K min) good thru 12/31/06.


Please read the posting information before you post rates on page 1. It says:
Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC RESTRICTIONS. Other minimal restrictions should be made with a notation

Thanks

rated:
boomp said: jdixon said: AmTrust - Phoenix AZ area, Ahwatukee Branch.

Certificate of Deposit:

9 mth CD @ 5.75% APY ($1K min) good thru 12/31/06.

Money Market:

Personal MM @ 6.00% guaranteed 180 days ($50K min) good thru 12/31/06.
Business MM @ 6.00% guaranteed 180 days ($1K min) good thru 12/31/06.


Please read the posting information before you post rates on page 1. It says:
Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC RESTRICTIONS. Other minimal restrictions should be made with a notation

Thanks

Actually, I'm not sure that there are geographic restrictions. I came across the deal because I live nearby, but didn't ask if there were restrictions on who could apply.

I also saw "Must have AmericanDream SavingsAccount" in several entries; not a geographic restriction, but highly restrictive nonetheless.

rated:
jdixon said: I also saw "Must have AmericanDream SavingsAccount" in several entries; not a geographic restriction, but highly restrictive nonetheless.

The AmericanDream SavingsAccount is available to all. With no fees and minimums for the account, this is certainly one of the easier restrictions to meet to qualify for a high rate cd.

rated:
zjts said: Rates from link on p1 do not correspond... are these rate for walk-in to that branch only? Thx
If you're referring to Amtrust 9m. @ 5.75%, I did a walk-in, but only because I live in the area. I didn't ask if they were strictly for walk-in.

I will call the branch on Monday and update this thread. Since some object to my posting the rate, I will remove the info if geographic restrictions apply.

rated:
jdixon said: zjts said: Rates from link on p1 do not correspond... are these rate for walk-in to that branch only? Thx
If you're referring to Amtrust 9m. @ 5.75%, I did a walk-in, but only because I live in the area. I didn't ask if they were strictly for walk-in.

I will call the branch on Monday and update this thread. Since some object to my posting the rate, I will remove the info if geographic restrictions apply.

I talked to branch csr this am:

* Walk-in only.
* Soft credit pull.

You can try your luck with other branches on rate match - ymmv of course. Apologies for mis-posting; will delete entry on 1st page.

rated:
Corus dropped again, 5.35% APY:

Term Minimum Deposit Rate APY
6 month $10,000.00 5.22% 5.35%
12 month $10,000.00 5.22% 5.35%
6 month $100,000.00 5.22% 5.35%
12 month $100,000.00 5.22% 5.35%

rated:
Please be kind...my first post for a CD rate

5.75% 8-Month CD a Patelco CU (Available to All)

Patelco Credit Union (www.patelco.org) has improved its CD special called the Super Saver Certificate. The new offer is a 5.75% APY 8-month certificate (up from 5.35%) with a $1K minimum opening deposit. Additional deposits can be made during the term. The deposits must be at least $500. At least 50% of the funds used to open the account must be new money. The certificate is also available as an IRA with a $500 minimum opening balance. Patelco is privately insured by American Share Insurance (ASI) up to $250K per account.

They are waiving the $20 membership fee for this month, and you must have a savings account with them in order to get the CD. This deal ends on the 30th.

Telephone Service Center:
415.442.6200
1.800.358.8228 (toll-free, nationwide)

Hours:
M, T, Th, F: 7:30 am - 6:00 pm
Wed: 9:00 am - 6:00 pm
Sat: 9:00 am - 2:00 pm

Thanks to bankdeals.blogspot.com and the anonymous person who reported about the free membership deal


Dupontcobb

rated:
NM

dupontcobb said: Please be kind...my first post for a CD rate

5.75% 8-Month CD a Patelco CU (Available to All)

Patelco Credit Union (www.patelco.org) has improved its CD special called the Super Saver Certificate. The new offer is a 5.75% APY 8-month certificate (up from 5.35%) with a $1K minimum opening deposit. Additional deposits can be made during the term. The deposits must be at least $500. At least 50% of the funds used to open the account must be new money. The certificate is also available as an IRA with a $500 minimum opening balance. Patelco is privately insured by American Share Insurance (ASI) up to $250K per account.

They are waiving the $20 membership fee for this month, and you must have a savings account with them in order to get the CD. This deal ends on the 30th.

Telephone Service Center:
415.442.6200
1.800.358.8228 (toll-free, nationwide)

Hours:
M, T, Th, F: 7:30 am - 6:00 pm
Wed: 9:00 am - 6:00 pm
Sat: 9:00 am - 2:00 pm

Thanks to bankdeals.blogspot.com and the anonymous person who reported about the free membership deal


Dupontcobb

rated:
PATELCUAdditional deposits can be made during the term isnt that good ??? i mean u can add $$ to a cd..i have never heard that before..just 2 days back I opened an account with indymac for 5.45% apy I called them and they said they will charge me penalty of over $350 if i close

rated:
dupontcobb said: Please be kind...my first post for a CD rate

Patelco is privately insured by American Share Insurance (ASI) up to $250K per account.


good idea to read the rules of this thread,
>Only FDIC Insured Banks in the USA as well as NCUA Insured Credit Unions with NO or MINIMAL restrictive membership requirements will be listed in the main rates section. Non federally insured Credit Unions will be listed in a separate section.

rated:

good idea to read the rules of this thread,
>Only FDIC Insured Banks in the USA as well as NCUA Insured Credit Unions with NO or MINIMAL restrictive membership requirements will be listed in the main rates section. Non federally insured Credit Unions will be listed in a separate section.


I did read the rules before I posted this. Anyone can join Patelco CU for $20, but this month they are offering free membership. I thought the main rate section was those posted on the first page of this thread. Where is the seperate section for non federally insured credit unions or did I need to post a new thread in the finance forum?

Thanks,
Dupontcobb

rated:
dupontcobb said: ... Non federally insured Credit Unions will be listed in a separate section.I did read the rules before I posted this. Anyone can join Patelco CU for $20, but this month they are offering free membership. I thought the main rate section was those posted on the first page of this thread. Where is the separate section for non federally insured credit unions or did I need to post a new thread in the finance forum?
Thanks, DupontcobbNo new thread needed. Here's a commonly overlooked general credit union thread.

rated:
ThursdaysChild said: dupontcobb said: ... Non federally insured Credit Unions will be listed in a separate section... Where is the separate section for non federally insured credit unions or did I need to post a new thread in the finance forum?
Thanks, Dupontcobb
No new thread needed. Here's a commonly overlooked general credit union thread.

A lot of great credit union rates that don't meet the criteria for inclusion on the cd thread have been posted on the credit union thread. However, for non federally insured Credit Unions that are open to all, rates should go under the "Non NCUA Insured Credit Union CDS" section near the bottom of the quick summary on this thread.

rated:
I guess we will what santa has in his stockings for the new years, hopefully the rumors are true, and it is a 6.25% cd for 3,4,5, or 7 years at pentagon federal credit union. I know this fatwalleteer, will have a good night then!

rated:
Tomorrow could be the day at penfed - here's hoping for the big one

rated:
PenFed is now advertising 5.25% apy on a 36 month share certificate on the main page of their website.

EDIT: ...but now the rates section is updated with a rate of 6.25% apy for certificates with terms of 3,4,5, & 7 years.

rated:
slimcustomer said: PenFed is now advertising 5.25% apy on a 36 month share certificate on the main page of their website.Yeah, I hope it's a typo...it would be odd to have so many CSRs misinformed over the last few days.

EDIT: And it is See the rate tables.

rated:
This page is already showing the new APR 6.25% for 3, 4, 5 and 7-year CDs.

Skipping 2141 Messages...
rated:
These %interest sound great! But, could you trust an Afganistan Bank to hold your money?

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