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CD Thread, Post The Best Rates You Can Find Here!--Best Nationally Available Rates--

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   posted: Dec. 12, 2006 @ 2:38p
alert mods    

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.

Message edited by: FatWallet moderator on 2009-03-23 11:47:28 CDT
Moderator Comment: Thank you for your participation. Please note this is a rate thread. All discussion about this topic goes here Here. — Feb. 18, 2009 @ 3:35pm
   posted: Dec. 12, 2006 @ 2:38p

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 geograhic 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:

$ - 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)( for $100,000 and up)
D - Rate down last change
U - Rate up last changef
S - Stable from last update
N - New posting
MM/DD/YY - date of last rate check

------------------------------------------------------------------------------
Standard Terms

3 Month
D 06/19/09 $ Wilshire State Bank 1.86%
D 07/01/09 $ Mutual Bank 1.65%
D 06/05/09 $$$$ MetLife Bank 1.65%
D 06/05/09 $ Nexity Bank 1.64%
D 06/05/09 $ Imperial Capital Bank 1.63%
D 06/05/09 $$$ FirstFedDirect 1.55%
U 06/05/09 $$ UFB Direct 1.50%
N 06/05/09 $$$ Affinity Bank 1.50%
D 06/12/09 $ Ally Bank 1.40% (New name for GMAC Bank)
D 06/05/09 $ Umbrella Bank 1.40%
D 06/05/09 $ ebank 1.35%
D 06/05/09 $$$ Pacific Mercantile Bank 1.31%
D 06/16/09 $$$ Virtual Bank 1.26%
N 06/05/09 $ Allied First Bank 1.25%
D 06/05/09 $ Danversbank 1.25%
D 06/05/09 $ EverBank 1.25%
N 06/05/09 $ Affinity Bank 1.25%
S 06/05/09 $$ Discover Bank 1.25%
U 06/05/09 $$ OneWest Bank 1.15% (Formerly IndyMac Bank)
D 06/05/09 $$ Tennessee Commerce 1.10%
N 06/05/09 $$$ American Bank 1.10%
D 06/05/09 $ Nova Bank 1.05%
N 06/05/09 $$ American Bank 1.05%
D 06/05/09 $$$$ First Command Bank 1.05%
D 06/05/09 $$ California First National Bank 1.00%
D 06/05/09 $$ Bank of Canton 1.01%
D 06/05/09 $ National Bank of Kansas City 1.00%
D 06/05/09 $ One United 1.00%
D 06/05/09 $ Centennial Bank (Utah) 1.00%
D 06/05/09 $ Millennium Bank 1.00%
D 06/05/09 $$$ First Command Bank 1.00%
D 06/05/09 $ First Command Bank 0.95%
D 06/05/09 $ Bank of Internet USA 0.90%
D 06/05/09 $$$ Advanta Bank 0.90%
D 06/05/09 $ Transportation Alliance Bank 0.80%
D 06/05/09 $$$ MetLife Bank 0.80%
N 06/05/09 $ Presidential Bank 0.75%
D 06/05/09 $$ Giant Bank 0.75%
D 06/05/09 $ H&R Block Bank 0.75%
D 06/05/09 $ Citibank 0.75%
D 06/05/09 $ Patelco Credit Union 0.70%
D 06/05/09 $$$$ USA Federal Credit Union 0.70%
S 06/25/09 $$$ E-LOAN 0.70%
N 06/05/09 $ State Farm Bank 0.64%
S 06/05/09 $ OnBank 0.60%
D 06/05/09 $ USA Federal Credit Union 0.60%
D 06/05/09 $$$ CountryWide/Bank of America 0.50%
D 06/05/09 $ E*Trade Bank 0.30%
D 06/05/09 $$ MetLife Bank 0.15%

6 Month
D 06/05/09 $$$ FirstFedDirect 2.05%
N 06/05/09 $ Delta Community Credit Union 2.00%
D 06/05/09 $$$ La Jolla Bank 2.00%
D 06/05/09 $$$ Affinity Bank 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
D 06/19/09 $ Wilshire State Bank 1.96%
D 07/01/09 $ Mutual Bank 1.94%
D 06/05/09 $$ Giant Bank 1.91%
D 06/12/09 $ Ally Bank 1.90% (New name for GMAC Bank)
D 06/23/09 $$$ Corus Bank 1.90%
D 06/05/09 $ Imperial Capital Bank 1.87%
D 06/30/09 $ Ascencia Bank 1.86%
D 06/16/09 $$$ Virtual Bank 1.82%
D 06/05/09 $ Affinity Bank 1.80%
D 06/30/08 $ Aurora Bank 1.77% - Previously Lehman Brothers Bank
D 06/05/09 $ Nexity Bank 1.76%
D 06/05/09 $ Presidential Bank 1.75%
D 06/05/09 $ Danversbank 1.75%
D 06/05/09 $ iGObanking.com 1.75%
D 06/05/09 $$$$ MetLife Bank 1.75%
D 06/05/09 $$ Discover Bank 1.75%
S 07/01/09 $ Pentagon Federal Credit Union 1.75%
U 06/25/09 $$$ E-LOAN 1.65%
D 06/05/09 $ EverBank 1.65%
D 06/05/09 $$$ Pacific Mercantile Bank 1.62%
D 06/05/09 $ HSBC Direct 1.60%
U 06/05/09 $$ UFB Direct 1.60%
N 06/05/09 $ Allied First Bank 1.50%
D 06/05/09 $$ Tennessee Commerce 1.50%
D 06/05/09 $ ebank 1.50%
D 06/05/09 $ Umbrella Bank 1.50%
D 06/05/09 $$ Intervest Bank 1.45%
D 06/05/09 $ Centennial Bank (Utah) 1.45%
S 06/05/09 $$ OneWest Bank 1.35% (Formerly IndyMac Bank)
D 06/05/09 $$ California First National Bank 1.30%
D 06/05/09 $ Fort Belvoir Federal Credit Union 1.30%
D 06/05/09 $$$ American Bank 1.30%
D 06/05/09 $ State Farm Bank 1.26%
D 06/05/09 $$ Bank of Canton 1.26%
D 06/05/09 $$$$ USA Federal Credit Union 1.26%
D 06/05/09 $ ING Direct 1.25%
D 06/05/09 $ Millennium Bank 1.25%
D 06/05/09 $$$ Advanta Bank 1.25%
D 06/05/09 $ Doral Bank Direct 1.25%
D 06/05/09 $$ American Bank 1.20%
D 06/05/09 $$$$ First Command Bank 1.20%
D 06/05/09 $ Transportation Alliance Bank 1.20%
D 06/05/09 $ Nova Bank 1.15%
D 06/05/09 $$$ First Command Bank 1.15%
D 06/05/09 $ USA Federal Credit Union 1.11%
D 06/05/09 $ Bank of Internet USA 1.10%
D 06/05/09 $ First Command Bank 1.10%
S 06/05/09 $ OnBank 1.01%
S 06/05/09 $ Citibank 1.01%
D 06/05/09 $ National Bank of Kansas City 1.00%
D 06/05/09 $$$ CountryWide/Bank of America 1.00%
D 06/05/09 $ H&R Block Bank 1.00%
D 06/05/09 $ FNBO 1.00%
D 06/05/09 $ AmTrust Direct 1.00%
D 06/23/09 $ Patelco Credit Union 0.95%
D 06/05/09 $$$ MetLife Bank 0.80%
D 06/05/09 $ E*Trade Bank 0.30%
D 06/05/09 $$ MetLife Bank 0.25%
D 06/05/09 $$ Capital One Direct Banking 0.25%

9 Month
S 06/19/09 $ Ally Bank 2.15% No Penalty (New name for GMAC Bank)
S 06/05/09 $$$ FirstFedDirect 2.15%
D 06/05/09 $ Danversbank 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
S 06/05/09 $$ Giant Bank 1.96%
D 06/05/09 $$ Discover Bank 1.90%
D 06/19/09 $ Ally Bank 1.75% (New name for GMAC Bank)
D 06/05/09 $ Imperial Capital Bank 1.85%
D 06/22/09 $$ OneWest Bank 1.85% (Formerly IndyMac Bank)
D 06/05/09 $$$$ MetLife Bank 1.85%
D 06/16/09 $$$ Virtual Bank 1.82%
U 06/25/09 $$$ E-LOAN 1.76%
S 06/05/09 $ One United 1.75%
D 06/05/09 $ Nexity Bank 1.72%
D 06/05/09 $ HSBC Direct 1.70%
D 06/05/09 $ EverBank 1.65%
D 06/05/09 $ ebank 1.50%
D 06/05/09 $ Doral Bank Direct 1.50%
D 06/05/09 $ Umbrella Bank 1.50%
S 06/05/09 $$$$ Advanta Bank 1.45%
D 06/05/09 $ Centennial Bank (Utah) 1.45%
D 06/05/09 $ Citibank 1.25%
D 06/05/09 $ ING Direct 1.25%
D 06/05/09 $ FNBO 1.25%
D 06/05/09 $$$ MetLife Bank 1.25%
S 06/05/09 $ iGObanking.com 1.25%
D 06/05/09 $$$ CountryWide/Bank of America 1.15%
D 06/05/09 $ Bank of Internet USA 1.10%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $ National Bank of Kansas City 1.00%
D 06/05/09 $ Patelco Credit Union 0.95%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ AmTrust Direct 0.75%
D 06/05/09 $ USA Federal Credit Union 0.65% - Callable
D 06/05/09 $$ MetLife Bank 0.25%

1 Year
S 06/05/09 $ Patelco Credit Union 7.00% NEW MEMBER ONLY - min. $1000 - max. $1000
D 06/23/09 $$ Melrose Credit Union 2.52%
D 06/05/09 $ Delta Community Credit Union 2.50%
S 06/05/09 $ Centennial Bank (Utah) 2.50%
D 06/05/09 $$$ Affinity Bank 2.40%
D 06/05/09 $$ Tennessee Commerce 2.40%
D 06/05/09 $$$$ Alliant Credit Union 2.40%
D 06/05/09 $$$ One United 2.40%
D 06/05/09 $ Ascencia Bank 2.34%
D 07/01/09 $ Mutual Bank 2.32%
N 07/01/09 $ Wilshire State Bank 2.30% Flex CD (Unlimited Deposits, 6 withdrawls)
D 06/19/09 $ Ally Bank 2.30% (New name for GMAC Bank)
D 06/05/09 $$ Bank United 2.30%
D 06/05/09 $$$ FirstFedDirect 2.30%
D 06/05/09 $$ Discover Bank 2.30%
S 06/05/09 $$$ Advanta Bank 2.30%
D 06/05/09 $$ OneWest Bank 2.25% (Formerly IndyMac Bank)
D 06/05/09 $ One United 2.25%
D 06/05/09 $ Umbrella Bank 2.25%
D 06/05/09 $$ OneWest Bank 2.25% - Raise your rate (Formerly IndyMac Bank)
D 06/05/09 $$ OneWest Bank 2.25% - Keep options open (Formerly IndyMac Bank)
S 06/05/09 $ Alliant Credit Union 2.25%
D 06/16/09 $$$ Virtual Bank 2.22%
D 06/23/09 $$$ Corus Bank 2.20%
D 06/05/09 $ Imperial Capital Bank 2.17%
S 06/05/09 $$ Giant Bank 2.16%
D 06/19/09 $ Wilshire State Bank 2.15%
S 06/05/08 $ Aurora Bank 2.12% - Previously Lehman Brothers Bank
D 06/05/09 $ Nexity Bank 2.11%
D 06/05/09 $$ California First National Bank 2.10%
D 06/05/09 $$$ La Jolla Bank 2.10%
D 06/05/09 $$ Intervest Bank 2.05%
D 06/05/09 $$$ Pacific Mercantile Bank 2.02%
S 06/05/09 $$$ Centennial Bank (Ca.) 2.02%
D 06/05/09 $ Presidential Bank 2.00%
D 06/05/09 $ Danversbank 2.00%
D 06/05/09 $ H&R Block Bank 2.00%
D 06/05/09 $ HSBC Direct 2.00%
D 06/05/09 $ ebank 2.00%
S 06/05/09 $ Affinity Bank 2.00%
S 07/01/09 $ Pentagon Federal Credit Union 2.00%
U 06/25/09 $$$ E-LOAN 1.95%
D 06/05/09 $ EverBank 1.95%
S 06/05/09 $$$$ MetLife Bank 1.90%
D 06/05/09 $ State Farm Bank 1.80%
D 06/05/09 $$$$ First Command Bank 1.80%
N 06/05/09 $ Allied First Bank 1.75%
D 06/05/09 $$$ First Command Bank 1.75%
D 06/23/09 $ Citibank 1.70%
D 06/05/09 $ National Bank of Kansas City 1.70%
D 06/05/09 $$ UFB Direct 1.70%
D 06/05/09 $ First Command Bank 1.70%
D 06/05/09 $$$ MetLife Bank 1.65%
D 06/05/09 $ Fort Belvoir Federal Credit Union 1.60%
D 06/05/09 $$$$ USA Federal Credit Union 1.59%
D 06/05/09 $ Bank of Canton 1.55%
D 06/05/09 $$$ CountryWide/Bank of America 1.55%
D 06/05/09 $$$ American Bank 1.55%
D 06/05/09 $ Millennium Bank 1.50%
D 06/05/09 $ FNBO 1.50%
D 06/05/09 $$ American Bank 1.50%
D 06/05/09 $ Doral Bank Direct 1.50%
S 06/05/09 $ Bank of Internet USA 1.50%
S 06/05/09 $ ING Direct 1.50%
D 06/05/09 $ USA Federal Credit Union 1.45%
D 06/05/09 $ American Bank 1.45%
S 06/05/09 $ OnBank 1.40%
S 06/05/09 $ Transportation Alliance Bank 1.40%
D 06/05/09 $ iGObanking.com 1.35%
D 06/05/09 $ Patelco Credit Union 1.20%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ AmTrust Direct 0.75%
D 06/05/09 $ E*Trade Bank 0.70%
D 06/05/09 $$ MetLife Bank 0.65%
D 06/05/09 $$ Capital One Direct Banking 0.50%

18 Month (1.5 Year)
N 07/01/09 $ Wilshire State Bank 2.40% Flex CD (Unlimited Deposits, 6 withdrawls)
D 06/22/09 $$ OneWest Bank 2.40% (Formerly IndyMac Bank)
D 06/23/09 $$ Discover Bank 2.40%
D 05/29/09 $$$$ Alliant Credit Union 2.40%
D 06/23/09 $$ Tennessee Commerce 2.35%
D 06/23/09 $$$ Advanta Bank 1.15%
D 06/05/09 $$$ Affinity Bank 2.00%
D 06/19/09 $ Ally Bank 2.30% (New name for GMAC Bank)
N 06/05/09 $ State Farm Bank 2.30%
D 06/05/09 $ Centennial Bank (Utah) 2.30%
D 06/05/09 $ Nova Bank 2.25%
D 06/05/09 $ Alliant Credit Union 2.25%
D 06/05/09 $ Umbrella Bank 2.25%
D 06/05/09 $$ Intervest Bank 2.25%
D 06/16/09 $$$ Virtual Bank 2.22%
D 06/05/09 $ Imperial Capital Bank 2.18%
D 06/05/09 $$$ Corus Bank 2.17%
S 06/05/08 $ Aurora Bank 2.17% - Previously Lehman Brothers Bank
D 06/05/09 $ ebank 2.10%
U 06/25/09 $$$ E-LOAN 2.06%
D 06/05/09 $$$$ MetLife Bank 2.05%
D 06/05/09 $$$ Pacific Mercantile Bank 2.02%
D 06/05/09 $ Danversbank 2.00%
D 06/05/09 $ One United 2.00%
D 06/05/09 $ H&R Block Bank 2.00%
D 06/05/09 $$$$ First Command Bank 2.00%
D 06/05/09 $ Affinity Bank 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
D 06/05/09 $$$ First Command Bank 1.95%
D 06/05/09 $ EverBank 1.95%
D 06/05/09 $$$ American Bank 1.95%
D 06/05/09 $ First Command Bank 1.90%
D 06/05/09 $ American Bank 1.85%
D 06/05/09 $$$ CountryWide/Bank of America 1.75%
D 06/05/09 $ iGObanking.com 1.75%
D 06/05/09 $ Millennium Bank 1.75%
D 06/05/09 $ FNBO 1.75%
D 06/05/09 $$$ MetLife Bank 1.75%
D 06/05/09 $ HSBC Direct 1.75%
D 06/05/09 $ National Bank of Kansas City 1.70%
D 06/05/09 $ Fort Belvoir Federal Credit Union 1.65%
D 06/05/09 $ USA Federal Credit Union 1.55%
D 06/05/09 $$ Capital One Direct Banking Costco 1.55%
D 06/05/09 $ Bank of Internet USA 1.50%
D 06/05/09 $ ING Direct 1.50%
D 06/05/09 $$ Capital One Direct Banking 1.50%
D 06/05/09 $ Doral Bank Direct 1.50%
S 06/05/09 $ OnBank 1.25%
D 06/05/09 $ Patelco Credit Union 1.20%
S 06/05/09 $ Citibank 1.01%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ AmTrust Direct 0.75%
D 06/05/09 $ E*Trade Bank 0.70%
D 06/05/09 $$ MetLife Bank 0.65%

2 Year (24 Month)
D 06/05/09 $$ Melrose Credit Union 3.19%
D 06/05/09 $$ Tennessee Commerce 2.87%
D 06/05/09 $$ Discover Bank 2.80%
D 06/05/09 $$ Bank United 2.75%
D 06/05/09 $ Delta Community Credit Union 2.65%
D 07/01/09 $ Mutual Bank 2.61%
D 06/05/09 $$$ Advanta Bank 2.60%
D 06/05/09 $$$$ Alliant Credit Union 2.55%
D 06/19/09 $ Ally Bank 2.50% (New name for GMAC Bank)
D 06/05/09 $$$ La Jolla Bank 2.50%
D 06/05/09 $$$ Affinity Bank 2.50%
D 06/05/09 $$ Intervest Bank 2.50%
D 06/16/09 $$$ Virtual Bank 2.48%
U 06/25/09 $$$ E-LOAN 2.47%
D 06/05/09 $$ California First National Bank 2.40%
D 06/05/09 $ Alliant Credit Union 2.40%
D 06/05/09 $ Imperial Capital Bank 2.38%
D 06/05/09 $ Presidential Bank 2.35%
D 06/05/09 $ EverBank 2.35%
D 06/05/09 $ Centennial Bank (Utah) 2.35%
D 06/05/09 $$$ Centennial Bank (Ca.) 2.32%
D 06/05/09 $$$ Corus Bank 2.32%
D 06/05/09 $ Nova Bank 2.30%
D 06/05/09 $ Nexity Bank 2.29%
S 06/05/08 $ Aurora Bank 2.28% - Previously Lehman Brothers Bank
N 06/05/09 $ Allied First Bank 2.25%
U 06/05/09 $$ OneWest Bank 2.25% - Flexible CD (Formerly IndyMac Bank)
D 06/05/09 $ H&R Block Bank 2.25%
D 06/05/09 $$$ American Bank 2.25% - 1 Rate Bump Up
D 06/05/09 $ Affinity Bank 2.25%
D 06/05/09 $ Umbrella Bank 2.25%
S 07/01/09 $ Pentagon Federal Credit Union 2.25%
D 06/05/09 $ Giant Bank 2.21%
D 06/05/09 $$$$ First Command Bank 2.20%
D 06/05/09 $$$ Pacific Mercantile Bank 2.17%
D 06/05/09 $$$ First Command Bank 2.15%
D 06/05/09 $$$$ MetLife Bank 2.15%
D 06/05/09 $$ American Bank 2.15% - 1 Rate Bump Up
D 06/05/09 $ iGObanking.com 2.12%
D 06/05/09 $ First Command Bank 2.10%
D 06/05/09 $ American Bank 2.10% - 1 Rate Bump Up
D 06/05/09 $ ebank 2.10%
D 06/05/09 $ Bank of Internet USA 2.00%
D 06/05/09 $$ Bank of Canton 2.00%
D 06/05/09 $ One United 2.00%
D 06/05/09 $ Millennium Bank 2.00%
D 06/05/09 $ FNBO 2.00%
D 06/05/09 $ Fort Belvoir Federal Credit Union 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
S 06/05/09 $ Ascencia Bank 2.00%
D 06/05/09 $ State Farm Bank 1.94%
D 06/05/09 $$$$ USA Federal Credit Union 1.90%
D 06/05/09 $$$ MetLife Bank 1.90%
D 06/05/09 $ National Bank of Kansas City 1.85%
D 06/05/09 $ USA Federal Credit Union 1.79%
D 06/05/09 $ HSBC Direct 1.75%
S 06/05/09 $ Citibank 1.75%
D 06/05/09 $$ UFB Direct 1.70%
D 06/05/09 $ Transportation Alliance Bank 1.50%
D 06/05/09 $$$ CountryWide/Bank of America 1.50%
D 06/05/09 $$ Capital One Direct Banking 1.50%
D 06/05/09 $ ING Direct 1.50%
D 06/05/09 $ Patelco Credit Union 1.50%
D 06/05/09 $ Doral Bank Direct 1.50%
S 06/05/09 $ OnBank 1.25%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ AmTrust Direct 0.75%
D 06/05/09 $ E*Trade Bank 0.75%
D 06/05/09 $$ MetLife Bank 0.70%

30 Month (2.5 Year)
D 06/05/09 $$ Discover Bank 2.80%
D 06/05/09 $$ Intervest Bank 2.80%
D 06/05/09 $$$ Advanta Bank 2.70%
D 06/05/09 $$$$ Alliant Credit Union 2.55%
D 06/05/09 $ Alliant Credit Union 2.40%
D 06/05/09 $ EverBank 2.35%
D 06/05/09 $$$ Corus Bank 2.27%
D 06/05/09 $ Danversbank 2.25%
D 06/05/09 $ ebank 2.25%
D 06/05/09 $ Fort Belvoir Federal Credit Union 2.10%
D 06/05/09 $$$ Affinity Bank 2.00%
D 06/05/09 $ Umbrella Bank 2.00%
D 06/05/09 $ Bank of Internet USA 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
S 06/05/09 $ Ascencia Bank 2.00%
D 06/05/09 $ National Bank of Kansas City 1.85%
D 06/05/09 $ HSBC Direct 1.75%
D 06/05/09 $ ING Direct 1.50%
D 06/05/09 $ Patelco Credit Union 1.50%
D 06/05/09 $$ Capital One Direct Banking 1.50%
S 06/05/09 $$$ CountryWide/Bank of America 1.50%
S 06/05/09 $ Citibank 1.25%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ AmTrust Direct 0.75%
D 06/05/09 $ E*Trade Bank 0.75%

3 Year (36 Month)
D 06/05/09 $$ Melrose Credit Union 3.34%
U 06/05/09 $$ Tennessee Commerce 3.27%
D 06/05/09 $$ Discover Bank 3.15%
D 06/05/09 $$ Intervest Bank 3.10%
S 06/19/09 $ Ally Bank 3.00% (New name for GMAC Bank)
D 06/05/09 $$$$ Alliant Credit Union 3.00%
D 06/05/09 $ Alliant Credit Union 2.85%
U 06/05/09 $$ OneWest Bank 2.80% (Formerly IndyMac Bank)
D 06/05/09 $ Delta Community Credit Union 2.80%
D 06/05/09 $$$ Advanta Bank 2.80%
D 06/05/09 $ Umbrella Bank 2.80%
D 07/01/09 $ Pentagon Federal Credit Union 2.78%
S 06/05/09 $ National Bank of Kansas City 2.75%
D 06/05/09 $ Allied First Bank 2.75%
D 06/16/09 $$$ Virtual Bank 2.74%
D 06/05/09 $$ California First National Bank 2.70%
D 06/05/09 $$$ La Jolla Bank 2.65%
D 06/05/09 $ Centennial Bank (Utah) 2.65%
D 07/01/09 $$ Mutual Bank 2.63%
D 06/05/09 $$$ Centennial Bank (Ca.) 2.63%
D 06/05/09 $ Imperial Capital Bank 2.62%
S 06/25/09 $$$ E-LOAN 2.55%
D 06/05/09 $$$ American Bank 2.55% - Rate Bump Up
D 06/05/09 $ FNBO 2.51%
D 06/05/09 $ Danversbank 2.50%
D 06/05/09 $ H&R Block Bank 2.50%
D 06/05/09 $$ American Bank 2.50% - Rate Bump Up
D 06/05/09 $ ebank 2.50%
S 06/05/09 $ One United 2.50%
S 06/05/09 $ iGObanking.com 2.50%
D 06/05/09 $ American Bank 2.45% - Rate Bump Up
D 06/05/09 $$$ Corus Bank 2.42%
U 06/05/09 $ Nova Bank 2.40%
S 06/05/08 $ Aurora Bank 2.38% - Previously Lehman Brothers Bank
D 06/05/09 $$$$ First Command Bank 2.35%
D 06/05/09 $ EverBank 2.35%
D 06/05/09 $$$ First Command Bank 2.30%
D 06/05/09 $$ Giant Bank 2.26%
D 06/05/09 $ Bank of Internet USA 2.25%
D 06/05/09 $$ Bank of Canton 2.25%
D 06/05/09 $ Millennium Bank 2.25%
D 06/05/09 $ First Command Bank 2.25%
D 06/05/09 $$$$ MetLife Bank 2.25%
D 06/05/09 $$$ Pacific Mercantile Bank 2.24%
D 06/05/09 $ Fort Belvoir Federal Credit Union 2.20%
D 06/05/09 $$$$ USA Federal Credit Union 2.20%
D 06/05/09 $ State Farm Bank 2.09%
D 06/05/09 $ USA Federal Credit Union 2.00%
D 06/05/09 $ Transportation Alliance Bank 2.00%
D 06/05/09 $$$ MetLife Bank 2.00%
D 06/05/09 $$$ Affinity Bank 2.00%
D 06/05/09 $ Affinity Bank 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
S 06/05/09 $$$ CountryWide/Bank of America 2.00%
S 06/05/09 $ Ascencia Bank 2.00%
D 06/05/09 $ Patelco Credit Union 1.90%
D 06/05/09 $ HSBC Direct 1.75%
D 06/05/09 $$ UFB Direct 1.70%
D 06/05/09 $$ Capital One Direct Banking Costco 1.55%
S 06/05/09 $ OnBank 1.55%
D 06/05/09 $ ING Direct 1.50%
D 06/05/09 $$ Capital One Direct Banking 1.50%
D 06/05/09 $ Doral Bank Direct 1.50%
S 06/05/09 $ Citibank 1.25%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ E*Trade Bank 0.85%
D 06/05/09 $$ MetLife Bank 0.80%
D 06/05/09 $ AmTrust Direct 0.75%

4 Year (48 Month)
U 06/05/09 $$ Intervest Bank 3.55%
D 06/05/09 $$ Melrose Credit Union 3.49%
U 06/05/09 $$ Tennessee Commerce 3.45%
D 06/05/09 $$ Discover Bank 3.30%
D 06/05/09 $$$$ Alliant Credit Union 3.25%
D 07/01/09 $ Pentagon Federal Credit Union 3.14%
D 06/05/09 $ Alliant Credit Union 3.10%
S 06/16/09 $$$ Virtual Bank 3.05%
D 06/05/09 $ Allied First Bank 3.00%
S 06/19/09 $ Ally Bank 3.00% (New name for GMAC Bank)
U 06/05/09 $ iGObanking.com 3.00%
S 06/05/09 $ National Bank of Kansas City 3.00%
D 06/05/09 $$ Bank United 3.00%
U 06/05/09 $$ OneWest Bank 3.00% (Formerly IndyMac Bank)
D 06/05/09 $$$ Advanta Bank 3.00%
S 06/05/09 $$$ CountryWide/Bank of America 3.00%
D 07/01/09 $ Mutual Bank 2.99%
S 06/25/09 $$$ E-LOAN 2.90%
U 06/05/09 $ Umbrella Bank 2.90%
U 06/05/09 $ State Farm Bank 2.80%
D 06/05/09 $ Centennial Bank (Utah) 2.80%
D 06/05/09 $ FNBO 2.75%
D 06/05/09 $$$ Centennial Bank (Ca.) 2.73%
D 06/05/09 $$$ American Bank 2.70% - 2 Rate Bump Ups
D 06/05/09 $ Nova Bank 2.65%
D 06/05/09 $$$ Corus Bank 2.63%
D 06/05/09 $ H&R Block Bank 2.50%
D 06/05/09 $ ebank 2.50%
D 06/05/09 $ Patelco Credit Union 2.45%
S 06/05/08 $ Aurora Bank 2.43% - Previously Lehman Brothers Bank
D 06/05/09 $ Fort Belvoir Federal Credit Union 2.40%
D 06/05/09 $ Bank of Internet USA 2.35%
D 06/05/09 $ Millennium Bank 2.35%
D 06/05/09 $ EverBank 2.35%
D 06/05/09 $$$$ MetLife Bank 2.25%
D 06/05/09 $$$$ USA Federal Credit Union 2.25%
D 06/05/09 $ Transportation Alliance Bank 2.15%
D 06/05/09 $ USA Federal Credit Union 2.15%
D 06/05/09 $$$ MetLife Bank 2.00%
D 06/05/09 $ HSBC Direct 2.00%
D 06/05/09 $$ Capital One Direct Banking 2.00%
D 06/05/09 $ EmigrantDirect 2.00% - Must have American Dream Savings Account
D 06/05/09 $ ING Direct 1.75%
D 06/05/09 $ Doral Bank Direct 1.75%
S 06/05/09 $ OnBank 1.75%
S 06/05/09 $ Citibank 1.75%
D 06/05/09 $ E*Trade Bank 1.30%
D 06/05/09 $$ MetLife Bank 1.00%

5 Year (60 Month)
D 06/05/09 $$ Melrose Credit Union 3.91%
S 06/05/09 $$ Intervest Bank 3.66%
D 06/05/09 $$ Discover Bank 3.65%
U 06/05/09 $$ Tennessee Commerce 3.65%
D 07/01/09 $ Pentagon Federal Credit Union 3.51%
U 06/05/09 $$$ La Jolla Bank 3.50%
U 06/05/09 $ iGObanking.com 3.50%
D 06/19/09 $ Ally Bank 3.45% (New name for GMAC Bank)
S 06/25/09 $$$ E-LOAN 3.50%
D 06/05/09 $$$ Advanta Bank 3.30%
D 06/05/09 $ Umbrella Bank 3.30%
D 07/01/09 $ Mutual Bank 3.26%
U 06/05/09 $$ OneWest Bank 3.25% (Formerly IndyMac Bank)
S 06/05/09 $ National Bank of Kansas City 3.25%
S 06/05/09 $ Allied First Bank 3.25%
D 06/05/09 $$$$ Alliant Credit Union 3.25%
D 06/05/09 $ Delta Community Credit Union 3.15%
D 06/05/09 $ Alliant Credit Union 3.10%
D 06/05/09 $ EverBank 3.05%
D 06/05/09 $ Centennial Bank (Utah) 3.05%
S 06/16/09 $$$ Virtual Bank 3.05%
D 06/05/09 $$$ Centennial Bank (Ca.) 3.04%
D 06/05/09 $ FNBO 3.01%
D 06/05/09 $ Imperial Capital Bank 3.01%
S 06/05/09 $ DollarSavingsDirect 2.25%
D 06/05/09 $ Fort Belvoir Federal Credit Union 3.00%
S 06/05/09 $ Citibank 3.00%
S 06/05/09 $ Ascencia Bank 3.00%
D 06/05/09 $$$ Corus Bank 2.97%
D 06/05/09 $ Nova Bank 2.90%
U 06/05/09 $ State Farm Bank 2.89%
D 06/05/09 $ Danversbank 2.75%
D 06/05/09 $$$$ USA Federal Credit Union 2.74%
D 06/05/09 $ Patelco Credit Union 2.55%
D 06/05/09 $ USA Federal Credit Union 2.53%
D 06/05/09 $ Bank of Internet USA 2.50%
D 06/05/09 $ Millennium Bank 2.50%
D 06/05/09 $ H&R Block Bank 2.50%
D 06/05/09 $ ebank 2.50%
S 06/05/08 $ Aurora Bank 2.48% - Previously Lehman Brothers Bank
D 06/05/09 $ Presidential Bank 2.45%
D 06/05/09 $$ Giant Bank 2.31%
D 06/05/09 $$$$ MetLife Bank 2.25%
D 06/05/09 $$$ Pacific Mercantile Bank 2.24%
D 06/05/09 $ Transportation Alliance Bank 2.20%
S 06/05/09 $$$ CountryWide/Bank of America 2.10%
D 06/05/09 $$ Capital One Direct Banking Costco 2.05%
D 06/05/09 $$$ MetLife Bank 2.00%
D 06/05/09 $$$ Affinity Bank 2.00%
D 06/05/09 $$ Capital One Direct Banking 2.00%
D 06/05/09 $ OnBank 1.95%
D 06/05/09 $ ING Direct 1.75%
D 06/05/09 $ Doral Bank Direct 1.75%
D 06/05/09 $$ UFB Direct 1.70%
D 06/05/09 $ E*Trade Bank 1.40%
D 06/05/09 $$ MetLife Bank 1.15%
D 06/05/09 $$$$ AmTrust Direct 1.00%
D 06/05/09 $$$ AmTrust Direct 0.85%
D 06/05/09 $ AmTrust Direct 0.75%

Odd Terms
D 06/05/09 $ 14 Day Millennium Bank 0.75%

1-5 Month
N 06/05/09 $$ 1 Month UFB Direct 1.70%
U 06/19/09 $ 1 Month Wilshire State Bank 1.51%
D 06/05/09 $$$$ 1 Month First Command Bank 1.00%
D 06/05/09 $ 1 Month First Command Bank 0.95%
D 06/05/09 $$$ 1 Month Virtual Bank 0.90%
N 06/05/09 $ 1 Month Presidential Bank 0.75%
S 06/25/09 $$$ 1 Month E-LOAN 0.55%
D 06/05/09 $ 1 Month H&R Block Bank 0.50%
D 06/05/09 $ 1 Month Umbrella Bank 0.30%
N 06/05/09 $$$$ 1 Month Advanta Bank 0.30%

N 06/05/09 $$ 2 Month UFB Direct 1.10%
D 06/05/09 $$$ 2 Month Virtual Bank 0.95%
N 06/05/09 $ 2 Month Presidential Bank 0.75%
U 06/25/09 $$$ 2 Month E-LOAN 0.60%
N 06/05/09 $$$$ 2 Month Advanta Bank 0.50%
D 06/05/09 $ 2 Month Umbrella Bank 0.30%

D 06/05/09 $ 4 Month Danversbank 2.50%
N 06/05/09 $ 4 Month Citibank 1.01%

D 06/05/09 $ 5 Month Century Bank Direct 1.41%
N 06/05/09 $ 5 Month Citibank 1.01%

7-11 Month
D 06/05/09 $ 7 Month Citibank 1.25%
N 06/05/09 $$$ 7 Month CountryWide/Bank Of America 1.25%

N 06/05/09 $$ 8 Month Bank United 3.00%
N 06/05/09 $ 8 Month Citibank 1.25%
D 06/05/09 $ 8 Month iGObanking.com 1.25%

D 06/05/09 $ 10 Month Century Bank Direct 1.51%
N 06/05/09 $ 10 Month Citibank 1.01%

13-15 Month
N 06/05/09 $$$ 13 Month American Bank 2.00%
D 06/05/09 $ 13 Month iGObanking.com 1.25%
N 06/05/09 $ 10 Month Citibank 1.01%

D 06/05/09 $ 14 Month ebank 2.00%

D 06/05/09 $ 15 Month iGObanking.com 1.75%
D 06/05/09 $ 15 Month Century Bank Direct 1.61%
D 06/05/09 $ 15 Month E*Trade Bank 0.70%

Other
D 07/01/09 $$ 16 Month Mutual Bank 2.46%
S 06/05/09 $ 16 Month DollarSavingsDirect 2.25%

D 06/05/09 $ 20 Month Century Bank Direct 1.71%

D 06/05/09 $$$ 42 Month Advanta Bank 2.90%

U 06/05/09 $$ 6 Year Intervest Bank 3.66%
U 06/25/09 $$$ 6 Year E-LOAN 3.60%
U 06/05/09 $ 6 Year EmigrantDirect 3.00% - Must have American Dream Savings Account

S 07/01/09 $ 7 Year Pentagon Federal Credit Union 4.00%
D 06/05/09 $$ 7 Year Discover Bank 3.75%
U 06/05/09 $$ 7 Year Intervest Bank 3.67%
U 06/05/09 $ 7 Year EmigrantDirect 3.00% - Must have American Dream Savings Account
S 06/05/09 $$$ 7 Year CountryWide/Bank Of America 2.10%
D 06/05/09 $$ 7 Year Capital One Direct Banking Costco 2.05%
D 06/05/09 $$ 7 Year Capital One Direct Banking 2.00%

U 06/05/09 $$ 8 Year Intervest Bank 3.68%
U 06/05/09 $ 8 Year EmigrantDirect 3.00% - Must have American Dream Savings Account

U 06/05/09 $$ 9 Year Intervest Bank 3.69%
U 06/05/09 $ 9 Year EmigrantDirect 3.00% - Must have American Dream Savings Account

S 06/05/09 $$ 10 Year Discover Bank 4.00%
U 06/05/09 $$ 10 Year Intervest Bank 3.75%
U 06/05/09 $ 10 Year EmigrantDirect 3.00% - Must have American Dream Savings Account
D 06/05/09 $$ 10 Year Capital One Direct Banking 2.00%

Resources to search for the best rates:
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
credituniondeals.com
rateAPY.com
bankCD.com
GOtalkmoney.com
RateZip CD Rates
ZapRite.com
MoneyAisle.com

Message edited by: ArtieMcD on 2009-07-01 16:53:01 CDT

rated:
   posted: Dec. 12, 2006 @ 3:18p
alert mods    

FirstBank has some really good long term rates.

FirstBank

Message edited by: ProBanker on 2006-12-12 15:19:37 CST
rated:
   posted: Dec. 12, 2006 @ 3:52p
alert mods    

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


rated:
   posted: Dec. 12, 2006 @ 4:00p
alert mods    

http://bankdeals.blogspot.com/


rated:
   posted: Dec. 12, 2006 @ 6:54p
alert mods    

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

FirstBank

I called it's for people in Iowa only.


rated:
   posted: Dec. 13, 2006 @ 12:34p
alert mods    

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:
   posted: Dec. 13, 2006 @ 1:05p
alert mods    

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:
   posted: Dec. 13, 2006 @ 3:53p
alert mods    

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


rated:
   posted: Dec. 13, 2006 @ 5:14p
alert mods    

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


rated:
   posted: Dec. 13, 2006 @ 5:29p
alert mods    

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:
   posted: Dec. 13, 2006 @ 5:44p
alert mods    

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:
   posted: Dec. 13, 2006 @ 6:21p
alert mods    

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:
   posted: Dec. 13, 2006 @ 6:38p
alert mods    

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


rated:
   posted: Dec. 13, 2006 @ 9:32p
alert mods    

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:
   posted: Dec. 14, 2006 @ 5:04p
alert mods    

They are not listed at the FDIC website.

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

Message edited by: swandown on 2006-12-14 17:04:54 CST
rated:
   posted: Dec. 14, 2006 @ 7:14p
alert mods    

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:
   posted: Dec. 15, 2006 @ 11:51a
alert mods    

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


rated:
   posted: Dec. 15, 2006 @ 12:41p
alert mods    

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

Those are called LIQUID CDs


rated:
   posted: Dec. 15, 2006 @ 1:26p
alert mods    

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

DEAD


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