Please read carefully:

>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 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 and "% APY".

>Please feel free to update rates as changes occur.


>Interested in the best rates for checking accounts, money market accounts, and savings accounts? Please check here - Best Nationally Available High APY Liquid Accounts and
Best current APY/APRs: The Daughter of The Mother - Checking, Saving, and Money Market: All Liquid Accnt Interest Rates!.

The thread for local high APR deals, try the GrandDaughter thread has been archived. See BankDeals for the latest info.

>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)( $100,000 and up)
D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting

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

3 Month
S $$$$ State Bank of India 5.41%
S $$$$ Sterns Bank 5.35%
D $$ Indy Mac 4.60% - internet rate
D $$$ Virtual Bank 5.34%
D $$$ CountryWide 5.45% - in CA, MA, ? financial centers
S $$ UFB Direct 5.30%
S $$$$ Advanta Bank Corp 5.30%
D $ Imperial Capital Bank 5.30%
S $$$ FirstFedDirect 5.26%
D $$$$ State Bank of India 5.25%
D $$ Giant Bank 5.25%
D $ Indy Mac 5.00% - branch rate
S $$$ Advanta Bank Corp 5.20%
N $ GMAC Bank 5.15%
N $ Hyde Park Savings Bank 5.15%
D $ Nexity Bank 5.10%
D $ Umbrella Bank 5.00%
U $ E*Trade Bank 5.00%


6 Month
S $$$$ State Bank of India 5.51%
U $$$$ Advanta Bank 5.47%
S $$$ FirstFedDirect 5.46%
D $$ Indy Mac 4.50% - internet rate
S $$$ Virtual Bank 5.44%
S $$$$ State Bank of India 5.41%
D $ Vineyard Bank 5.40% California only
D $ NetBank 5.40%
D $ Ascencia Bank 5.40%
U $ Nexity Bank 5.37%
D $ AmTrust Direct 5.36%
U $$$ Advanta Bank 5.35%
D $$$ Corus Bank 5.35%
D $ Imperial Captial Bank 5.35%
D $$ Giant Bank 5.31%
N $ Lehman Brothers Bank 5.3056%
S $$ UFB Direct 5.30%
S $ State Bank of India 5.30%
S $$$ CountryWide 5.45%
U $$$ La Jolla Bank 5.30%
S $ Self Help Credit Union 5.26%
N $ First Trade Union Bank 5.25%
N $ HSBC 5.25% - promo - unknown expiration
U $$ KeyDirect 5.25%
D $ E*Trade Bank 5.25%
D $$$ Affinity Bank 5.20%
N $ EmigranDirect 5.20%- Must have AmericanDream SavingsAccount
S $ Bank of Internet USA 5.15%
D $$ Intervest Bank 5.15%
N $ GMAC Bank 5.15%
D $ Umbrella Bank 5.10%


9 Month
N $ FidelityAndTrustBank 5.75% VA,MD,DC
U $$$$ Advanta Bank 5.44%
D $ AmTrust Direct 5.37%
D $ Imperial Captial Bank 5.35%
D $$$ FirstFedDirect 5.35%
D $ Nexity Bank 5.30%
N $ GMAC Bank 5.25%
U $$$ CountryWide 5.40%
U $$$ Virtual Bank 5.34%
D $ Umbrella Bank 5.15%
S $ Bank of Internet USA 5.15%
D $$ Indy Mac 4.20% - internet rate



1 Year
N $$ OnPoint Community Credit Union 6.00% Oregon
U $$$ Virtual Bank 5.55%
U $$$$ State Bank of India 5.51%
D $$ Indy Mac 4.20% - internet rate
D $ NetBank 5.45%
U $$$ Pacific Mercantile Bank 5.41%
U $$$$ State Bank of India 5.41%
D $ AmTrust Direct 5.41%
D $ Vineyard Bank 5.40% California only
U $$$$ Advanta Bank 5.40%
U $$$ FirstFedDirect 5.40%
U $ E*Trade Bank 5.40%
D $ Ascencia Bank 5.40%
U $$$ La Jolla Bank 5.40%
U $$$ Advanta Bank 5.35%
U $ Imperial Captial Bank 5.35%
U $$ UFB Direct 5.30%
N $ Lehman Brothers Bank 5.3056%
N $$ Melrose Credit Union 5.30%
D $$$ Corus Bank 5.30%
D $ Nexity Bank 5.30%
N $ GMAC Bank 5.30%
U $ State Bank of India 5.30%
D $$ Indy Mac 4.30% - 1 time rate bump up allowed with Internet CD
D $ Self Help Credit Union 5.29%
N $ Transportation Alliance Bank 5.27
N $$$$ USA Federal Credit Union 5.27%
D $$ Giant Bank 5.26%
S $$ Intervest Bank 5.25%
N $ Presidential Bank 5.25%
N $ ebank 5.25%
S $ Bank of Internet USA 5.23%
D $ Self Help Credit Union 5.23%
N $ First Trade Union Bank 5.22%
D $ Umbrella Bank 5.20%
N $ National Bank of Kansas City 5.20%
N $ EmigrantDirect 5.20%- Must have AmericanDream SavingsAccount
S $$$ CountryWide 5.20%
N $ GMAC Bank 5.20%
S $ Dedham Savings bank 5.12%
N $ EverBank 5.12%
N $ Randolph Savings Bank 5.12%
N $ ING Direct 5.10%
D $$$ Affinity Bank 5.10%

18 Month
S $ NetBank 5.45%
U $$$ Virtual Bank 5.39%
U $$$$ Advanta Bank 5.30%
U $$$ Pacific Mercantile Bank 5.28%
N $ Lehman Brothers Bank 5.253%
S $$ Intervest Bank 5.25%
N $ Randolph Savings Bank 5.25%
S $$$ Advanta Bank 5.25%
N $ GMAC Bank 5.25%
U $ Imperial Capital Bank 5.20%
N $ National Bank of Kansas City 5.20%
N $ EmigranDirect 5.20%- Must have AmericanDream SavingsAccount
S $$$ CountryWide 5.20%
D $ ebank 5.15%
S $ AmTrust Direct 5.15%
D $ Bank of Internet USA 5.15%
N $ USA Federal Credit Union 5.12%
N $ EverBank 5.12%
D $ Umbrella Bank 5.10%


2 Year
U $$$$ State Bank of India 5.51%
D $ Vineyard Bank 5.40% California only
D $ NetBank 5.40%
N $ Transportation Alliance Bank 5.32%
U $$$$ State Bank of India 5.41%
U $ State Bank of India 5.30%
N $$$$ USA Federal Credit Union 5.30%
N $$$$ Allied First Bank 5.30%
N $ Presidential Bank 5.30%
U $$ Intervest Bank 5.30%
U $$$ Pacific Mercantile Bank 5.28%
N $ GMAC Bank 5.25%
N $ Hyde Park Savings Bank 5.25%
U $$ Melrose Credit Union 5.25%
D $ Mercantile Bank 5.22%
U $ Imperial Capital Bank 5.20%
U $$$$ Advanta Bank 5.20%
U $$$ Advanta Bank 5.20%
N $ National Bank of Kansas City 5.20%
N $ EmigrantDirect 5.20%- Must have AmericanDream SavingsAccount
D $ Bank of Internet USA 5.15%
D $ Nexity Bank 5.15%
S $$$ Virtual Bank 5.15%
N $ State Farm Bank 5.15%
S $ Dedham Savings bank 5.12%
D $ ebank 5.10%
S $$ UFB Direct 5.10%
S $ Sharon Copperative Bank 5.10%
D $ Self Help Credit Union 5.06%
N $ AmTrust Direct 5.05%
N $ Bank of Canton 5.02%
D $ Umbrella Bank 5.00%

30 Month
N $$ 30 Month Intervest Bank 5.30%
N S 30 Month Teachers Federal Credit Union 5.25%
U $$$ 30 Month Advanta Bank 5.15%
N $ 30 Month First Trade Union Bank 5.11%
S $ 30 Month Sharon Copperative Bank 5.10%
D $ 30 Month Bank of Internet USA 5.10%
N $ 30 month Sharon Copperative Bank 5.10%
N $ 30 Month AmTrust Direct 5.05%

3 Year
U $$$$ State Bank of India 5.46%
S $ NetBank 5.40%
U $$$$ State Bank of India 5.36%
N $$$$ USA Federal Credit Union 5.33%
U $$ Intervest Bank 5.30%
N $ Transportation Alliance Bank 5.27
U $ State Bank of India 5.25%
N $$$ Pacific Mercantile Bank 5.22%
D $ Mercantile Bank 5.22%
S $$Melrose Credit Union 5.20%
N $$$$ Allied First Bank 5.20%
N $ National Bank of Kansas City 5.20%
N $ EmigrantDirect 5.20%- Must have AmericanDream SavingsAccount
N $ Fort Belvoir Federal Credit Union 5.18%
S$$$ Virtual Bank 5.15%
D $ Sharon Copperative Bank 5.15%
N $ GMAC Bank 5.15%
S $ Dedham Savings bank 5.12%
U $$$$ Advanta Bank 5.10%
U $$$ Advanta Bank 5.10%
D $ Bank of Internet USA 5.10%
D $ ebank 5.10%

4 Year
N $$$$ USA Federal Credit Union 5.48%
S $ NetBank 5.40%
U $$$$ State Bank of India 5.35%
N $$$$ Allied First Bank 5.30%
U $$ Intervest Bank 5.30%
N $ Fort Belvoir Federal Credit Union 5.29%
N $ Transportation Alliance Bank 5.27
S $$ Melrose Credit Union 5.25%
D $ Sharon Copperative Bank 5.20%
N $ National Bank of Kansas City 5.20%
N $ EmigrantDirect 5.20%- Must have AmericanDream SavingsAccount
N $ GMAC Bank 5.15%
S $$$ Virtual Bank 5.15%
S $ Dedham Savings bank 5.12%
U $$$ Advanta Bank 5.10%
D $ ebank 5.10%
D $ Bank of Internet USA 5.10%

5 Year
N $$$$ USA Federal Credit Union 5.64%
N $ Fort Belvoir Federal Credit Union 5.44%
U $$$$ State Bank of India 5.41%
S $ NetBank 5.40%
N $ Presidential Bank 5.35%
U $$$$ State Bank of India 5.31%
S $$ Melrose Credit Union 5.30%
N $$$$ Allied First Bank 5.30%
U $$ Intervest Bank 5.30%
N $ Transportation Alliance Bank 5.27
D $ Sharon Copperative Bank 5.25%
N $$$ Pacific Mercantile Bank 5.22%
D $ Mercantile Bank 5.22%
U $ State Bank of India 5.20%
N $ Members Credit Union 5.20%
N $ National Bank of Kansas City 5.20%
N $ EmigrantDirect 5.20%- Must have AmericanDream SavingsAccount
N $ NetBank 5.20%
S $$$ Virtual Bank 5.15%
N $ GMAC Bank 5.15%
N $ Dedham Savings bank 5.12%
U $$$ Advanta Bank 5.10%
D $ Bank of Internet USA 5.10%
D $ ebank 5.00%

Odd Term
N $ 5-month Clackamas Federal Credit Union 7.79% Oregon
N $ 5.75% 8-Month CD Wachovia California
N $ 5.50% 7-Month CD Community Credit Union
N $ 5.50% 10-Month No Catch CD, (One withdrawal allowed) northshore-bank Salem MA
U $$$ 5 Month First Republic Bank 5.40%
D $$ 5 Month Indy Mac 4.50%
N $ 7 Month National Bank of Kansas City 5.40%
D $$ 7 Month Indy Mac 4.50%
N $ Bridgeview Bank 8mo. 5.10% (Not advertised online... 800.794.2070) Special CD: you can add up to $1,000 or withdraw up to $1,000 per month without penalty.
N $ 8 Month WaMu 5.20%
N $ 10 Month First Trade Union Bank 5.00%
N $$$ 13 Month Chartway FCU 5.75% up to 6.51% see web site for locations
N $ 13 Month Digital Credit Union 5.50%
N $ 13 Month Dedham Cooperative Bank 5.2%

Non NCUA Insured Credit Union CDS
N$9 Month Patelco Credit Union 5.50%
N$12-23 Month Patelco Credit Union 5.64%
N$14 Month Patelco Credit Union 5.75%

Resources to search for the best rates:

RateZip CD Rates
bankdeals.blogspot.com
Bankrate.com
BestCashCow.com
eMoneyCentral
credituniondeals.com[/L][/L]