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

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+115
slimcustomer
12/12/06 2:38 PM
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
WikiPost
12/12/06 2:38 PM
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 10/01/14 $ Pentagon Federal Credit Union 1.21%   
U 03/27/14 $$ Melrose Credit Union 1.15% 
U 07/17/14 $$$$ GE Capital Retail Bank 1.10% (Formerly MetLife Bank)
U 07/17/14 $ GE Capital Bank 1.05%  
U 09/29/14 $ MidFirst Direct 1.05%    
U 09/28/14 $ First Internet Bank 1.00%  
D 09/01/14 $$$ Virtual Bank 1.00%  
U 08/22/14 $$ Discover Bank 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%  
U 09/28/14 $ First Internet Bank 1.10%  
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 09/29/14 $ MidFirst Direct 1.05%    
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 $$ Melrose Credit Union 1.41% 
U 10/01/14 $ Pentagon Federal Credit Union 1.31%   
U 09/28/14 $ First Internet Bank 1.25%  
U 07/17/14 $ GE Capital Bank 1.20% 
U 09/29/14 $ MidFirst Direct 1.20%    
U 09/10/14 $ Ally Bank 1.20% (Raise-Your-Rate CD) (Formerly GMAC Bank) 
D 09/01/14 $$$ 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% 
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 $$ Discover Bank 1.20%   
U 12/24/13 $ GE Capital Bank 1.15%  
U 08/05/14 $ Alliant Credit Union 1.10% 
D 08/22/14 $$ Intervest Bank 1.08% 


3 Year (36 Month)
U 03/27/14 $$ Melrose Credit Union 1.66%     
U 09/17/14 $ State Farm Bank 1.50%       
U 09/29/14 $ MidFirst Direct 1.50%    
U 10/01/14 $ Barclays 1.45%  
U 09/28/14 $ First Internet Bank 1.40%  
U 10/01/14 $ Pentagon Federal Credit Union 1.36%   
U 05/02/14 $$$ Virtual Bank 1.36%  
U 09/10/14 $$$ Salem Five Direct 1.35%  
U 07/17/14 $ GE Capital Bank 1.35%  
S 12/25/13 $$$$ GE Capital Retail Bank 1.30% (Formerly MetLife Bank)
U 08/05/14 $ Alliant Credit Union 1.30% 
U 08/22/14 $$ Discover Bank 1.30% 
D 08/22/14 $$ Intervest Bank 1.25%  
D 10/19/14 $ EverBank 1.24%     
S 12/23/13 $ Doral Direct 1.22%  
D 12/25/13 $$$$ Northwest Federal CU 1.20% 
S 12/24/13 $ Ally Bank 1.20% (Formerly GMAC Bank)
S 12/25/13 $$ 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 $$ Melrose Credit Union 2.02% 
U 09/17/14 $ State Farm Bank 2.00%     
U 09/29/14 $ MidFirst Direct 1.95%       
U 10/01/14 $ Barclays 1.85%  
U 05/02/14 $$$ Virtual Bank 1.78%    
U 02/24/14 $$$$ GE Capital Retail Bank 1.75% (Formerly MetLife Bank)
U 04/15/14 $ GE Capital Bank 1.65% 
U 08/22/14 $$ Discover Bank 1.65% 
U 09/28/14 $ First Internet Bank 1.60%  
D 10/19/14 $ EverBank 1.55%     
S 12/24/13 $ Alliant Credit Union 1.55% 
U 10/01/14 $ Pentagon Federal Credit Union 1.41%   
D 08/01/14 $ Franklin Federal Savings Bank 1.41%   
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 $$$$ GE Capital Retail Bank 2.30% (Formerly MetLife Bank)    
U 03/27/14 $$ 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%     
U 09/29/14 $ MidFirst Direct 2.25%   
U 10/01/14 $ Pentagon Federal Credit Union 2.12%   
U 08/05/14 $ Alliant Credit Union 2.10% 
U 08/22/14 $$ Discover Bank 2.10%  
U 09/28/14 $ First Internet Bank 2.00%  
U 09/10/14 $ Ally Bank 2.00% (Formerly GMAC Bank) 
D 10/19/14 $ EverBank 1.92%     
D 07/13/14 $$$ Virtual Bank 1.81%     
D 08/01/14 $ Franklin Federal Savings Bank 1.81%    
U 10/19/14 $ Fort Knox FCU 1.65% (59 Month)  
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 12/21/13 $ Bank of Internet USA 1.35% 


7 Year (84 Month)
N 03/11/14 $ MidFirst Direct 2.75% 
U 10/01/14 $ Pentagon Federal Credit Union 2.32%   
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% 
D 09/28/14 $ Doral Direct 2.25%  


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
+1
ProBanker
12/12/06 3:18 PM
FirstBank has some really good long term rates.

FirstBank
+2
RS4Rings
12/12/06 3:52 PM
Now all we need is to get a mod to sticky this thread
+6
Squeezer99
12/12/06 4:00 PM
+4
boomp
12/12/06 6:54 PM
ProBanker said:

FirstBank has some really good long term rates.

FirstBank



I called it's for people in Iowa only.
+1
BlueEyed
12/13/06 12:34 PM
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....
0
mnsweeps
12/13/06 1:05 PM
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..
+1
zjts
12/13/06 3:53 PM
Did you happen to ask if it could be opened over the phone? Thx for the info.
+1
dupontcobb
12/13/06 5:14 PM
You can only open it in person. I was really hoping I could get in on this.
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