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Use the QuickSummary for rates and the thread for discussion.

Member Summary
Most Recent Posts
Pacific Premier Bank (Costa Mesa, California) is offering a 2.3% APY 18 month CD ($10,000.00 minumum), a 2.55% APY for 2... (more)

george2001 (Sep. 10, 2009 @ 3:10p) |

Are we going to continue updating this thread, or just rely on BankingGuy's info? Should we wait till we see what his n... (more)

ThursdaysChild (Dec. 08, 2009 @ 12:07a) |

I found a website that allows you to search for the best local CD Rates. I'm sure it's not all inclusive but I found a c... (more)

blueribb (Dec. 08, 2009 @ 10:25a) |

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The thread for local high APR deals, try the GrandDaughter thread has been archived.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%
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%



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%
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 $$ Intervest Bank 5.25%
N $ Presidential Bank 5.25%
N $ ebank 5.25%
S $ Bank of Internet USA 5.23%
D $ Self Help Credit Union 5.23%
N $ First Trade Union Bank 5.22%
N $ National Bank of Kansas City 5.20%
N $ EmigrantDirect 5.20%- Must have AmericanDream SavingsAccount
S $$$ 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 $$$ CountryWide 5.20%
D $ ebank 5.15%
S $ AmTrust Direct 5.15%
D $ Bank of Internet USA 5.15%
N $ USA Federal Credit Union 5.12%
N $ EverBank 5.12%
U $$$$ State Bank of India 5.51%
D $ Vineyard Bank 5.40% California only
D $ NetBank 5.40%
N $ Transportation Alliance Bank 5.32%
U $$$$ State Bank of India 5.41%
U $ State Bank of India 5.30%
N $$$$ USA Federal Credit Union 5.30%
N $$$$ Allied First Bank 5.30%
N $ Presidential Bank 5.30%
U $$ 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%


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]
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Hooray! The mods unlocked this thread!

Now I can mention the 6-month and 9-month CDs at Fremont Investment and Loan: with a minimum balance of $10,000 you get 5.45% APY. (For $1,000 - $9,999, the APY for the 6- and 9-month CDs is 5.30%.)

California residents can open an account in person, by telephone or mail. See the web site for more information and instructions. No hard pulls - they use ChexSystems.

FWIW: Fremont is selling its subprime residential lending business and should now be a safer place to put money. And it's FDIC insured, of course.

Targeted Downey Savings 6.25% CD mentioned in this thread.

Edit: mnsweeps mentions this CD in his post of March 3rd:Downey Savings at Burbank CA branch on Olive ave is offering 6.25% APY on a 6 month CD. max is $5000.

Update on Fremont Investment and Loan:

6-month, 9-month and 12-month CDs now pay 5.40% rate, 5.55% APY with minimum deposit of $10,000. Under $10,000, the rate is 5.26% and APY 5.40%.

For those in California, here's the rate page.

Community Credit Union
Community Credit Union in Lynn MA is offering 5.50% for 7 months $1k min

Copied from CD Rate thread:

tallguysfbay said:

--------------------------------------------------------------------------------
World Savings (Northern California) just announced a 5.51% APY on a 9-month CD. $10k minimum - $250k maximum
Call 1-800 468-7283 and select on the "featured rate". Website is not showcasing this rate but I've included the link anyway.Linky

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

It's in-branch only in SoCal, according to the ad in the OC Register today.

Fremont Investment and Loan Text From today's LA Times

Fremont’s deposit accounts are available to individuals and businesses in the state of California.

3 Mo. $1K+ 5.20%
3 Mo. $10K+ 5.35%
6 Mo. $1K+ 5.40%
6 Mo. $10K+ 5.55%

Someone please update the QS, I don't have the time to figure it out right now.

Samko: I updated the QS with the Fremont 3-month (and the 12-month) CD. The 6-month (and the 9-month) CDs were already listed in the QS.

Teacher's FCU (NY, Suffolk County) offers 30-month CD at 5.25% APY, with $1000 minimum. NCUA insured.

First Republic Bank is advertising (LA Times today) an unusual "7 Month Liquid CD." Most "liquid" CDs allow you to add $, and some allow one withdrawal. This CD has no penalty fees when you space withdrawals at least 7 days apart. You must maintain the minimum $10,000 balance, but the maximum opening balance is $500,000. The APY is only 5.20%, so you could stuff a lot of money here and build a CD ladder by moving it out weekly to higher rate CDs, or use this as a parking place for funds if you need to be liquid at some uncertain future date.

One catch: you must withdraw the money in person. Their offices are mainly in California, but they do have offices in New York, Massachusetts, Connecticut, Nevada, Oregon & Washington.

Fremont Investment and Loan 12-month CD is up again.

APY = 5.45% for $1,000 - $9,999
APY = 5.60% for $10,000+

The Quick Summary has been updated.

Credit to DKTVPN in the main CD thread.

Superior Savings of New England no longer offers the 6-month 5.60% CD, so it has been removed from the Quick Summary.

7% is one of the best I've seen if you can qualify:

AA Credit Union (membership restricted to those in transportation industry and family members of employees):
Product: 777
Duration: 12 Months
Div Rate: 6.83%
APY: 7.00%* (see below for further restrictions)
Min/Max: $1,000/$7,000

*To obtain a 777 Share Certificate and associated Annual Percentage Yield, members must have an American
Airlines Federal Credit Union checking account with Direct Deposit at the time of application. However, Direct
Deposit to the checking account may be established within 60 days of the 777 Share Certificate open date.

Link for more details: https://www.aacreditunion.org/pdf/rateandfee-757-777.pdf

Industrial Credit Union in Boston, MA has a 12 month CD with an APY of 5.5% and a minimum of $1000 to open. You must live or do business in the greater Boston area to join. Rate current as of 4/1/07. They've offered this rate for a few months now. Rates change monthly.

I've updated the rates for Fremont I&L -- the 3-months are down, but the 6, 9 & 12-months are steady or up.

Yes, the Fremont mortgage unit is in trouble, but accounts in the I&L unit are FDIC insured.

Evergreen Direct FCU is offering a 5.65% 12-month CD for people who live or work in Washington State, or who are related to an Evergreen member.

Branches are in Olympia and Tumwater, but there is online banking. See BankDeals for more information.

Empower Federal Credit Union (NY State) is having a special on a 6 month CD, a rate of 6% APY. Membership is restricted to the following...

There are several ways to be eligible for membership at Empower Federal Credit Union:

* You live, work, worship, or attend school in an area included in one of Empower's neighbor areas, you may be eligible to become a member: City of Buffalo, City of Binghamton, City of Fulton, City of Syracuse, City of Utica, Oswego County, Town of Granby, Town of Hannibal, Town of Cheektowaga, Town of Union, designated areas of the Town of Salina, and Village of New York Mills
* You are employed by/or retired from any of our member groups. Click here to view Empower member groups
* You are a member of/or employed by any of our eligible associations or organizations. Click here to view Empower association and organization groups.
* You are an immediate family or household member of a current Empower Federal Credit Union member.

The sign up for the special ends May 31.

There are ways to qualify if you do not live in the area, check out their list of association and member groups... some large ones such as American Cancer Society, Boy Scouts of America, T-Mobile USA, Verizon, etc are included.

Clarified the QS as per ThursdaysChild's insight.

dolmar said 6.00% 8-Month CD at a Los Angeles CU called First Entertainment Credit Union.

Field of membership includes most individuals who work, live, attend school or worship in the Greater Los Angeles Area.
(taken from dolmar's post in the main CD thread) See today's article in BankDeals.

[beware: the First Entertainment link is a mousetrap.]

As of 5/7/07, the rates on Fremont's 3- 6- and 9-month CDs have fallen. The Quick Summary has been updated.

Chartway FCU is offering a 13-month CD with APY from 5.75% to 6.51% depending on the number of relationships you have (checking account, direct deposit, etc.) Minimum deposit is $10,000.

"If you live, work, worship or go to school in a defined geographic area served by our Virginia, Florida, Rhode Island and Texas branches, you qualify for a Chartway membership." However, according to BankDeals there are other ways to qualify. I didn't see any workarounds on the Chartway web site. Anyone have information?

Found a good deal at a local bank I use northshore-bank
Is a 10 month 5.50% CD, $1k min $150k Max

With our “No Catch” CD, not only do you get a great rate, but you can make one withdrawal anytime during the initial term - without a penalty - No Catch! This offer is only available at our Highland Avenue office, so stop in today

This branch is located in Salem MA so might not be any good for most but only 5 minutes from my office

Vineyard Bank in Southern California is offering a 5.5% "Flex" CD to California residents. No, I'd never heard of it either, but BankRate gives it 4 stars (5 is best) and a "safe&sound" rating of 2 (1 is best, 5 is worst). The offer is valid through June 8, 2007. I couldn't find a place on their web site to apply and will update if/when I get an answer to my email. They have several branches throughout SoCal, but their only NoCal branch is in San Rafael.

Details:
Customer may choose the term from any of the Bank’s existing published terms from 1-month up to 1-year. [Minimum deposit is $10,000] A maximum of $95,000 may be deposited for single product households. If a Vineyard Bank checking, savings or money market is opened in conjunction with the Flex Time Deposit, the deposit maximum increases to $5,000,000. After the first seven days, a one time withdraw of up to 50% of the original balance is allowed as long as a minimum of $10,000.00 is maintained for the remaining term of the CD. This promotion may end of change at any time without prior notice. Early withdrawal penalties may apply. Offer applies to California residents only.

Edit: the special is over, but I thought I'd update for future reference:
I got an email answer to my question on the 8th (the last day the offer was open). The CD had to be opened in person at a branch ("know your customer"), but after that transactions could be handled by mail.

World Savings is advertising (Orange County [CA] Register) an 8-month CD at 5.32% APR / 5.46% APY. Not great, but it shows rates are coming up a little.

This is branch-only, $10,000 minimum but it needn't be new money.

Check their interactive web site to see what is available in your zip code. (By the way, they've previously told me you don't need to reside in that zip code, just get the CD from a branch within the zip code.)

Edit: see also discussion in BankDeals today June 22nd.

Update: the Vineyard Bank special 5.5% Flex CD has been reopened - the offer is now good hrough Saturday June 30th. See my post in this thread dated May 31st.

OnPoint Community Credit Union

6.00% APY* 12-month Certificate of Deposit

No maximum deposit*
Savings are federally insured*

*Annual Percentage Yield (APY) as of 7/1/07 and subject to change. Stated APY requires $5,000 new money to OnPoint Community Credit Union and a new or existing OnPoint checking account with Direct Deposit. APY is 5.75% without Direct Deposit. New money requirement waived for those who have been members of OnPoint for 10 years or more. Offer is available for a limited time and is exclusive of all other Certificate of Deposit promotions. Early withdrawal penalties apply. See Truth-in-Savings disclosure for complete terms. All deposits federally insured to at least $100,000 by the National Credit Union Administration (NCUA).

Information About OnPoint
OnPoint is Oregon's largest credit union. Membership is open to everyone who lives or works in Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, and Yamhill counties. Membership is also open to family members of current OnPoint Community Credit Union members.

There is a one-time $10 membership fee in addition to $5 required to open your savings account which needs to remain in that account for the life of your membership.

Edit: Forgot to add link

California only?

Wachovia is advertising (in the Orange County Register) a 6-month CD paying 5.46% APY. "If you're a new or existing Wachovia personal checking customer, you can lock in this rate with a $5,000 minimum CD."

There's nothing abiout this CD on their web site (at least using NoCal and SoCal zip codes), so the only way to find out about it is to "stop by a Wachovia Financial Center or call 800-WACHOVIA 800-922-4684."

I haven't bothered to call because I have enough checking accounts already. Anyone who finds out more info, please post.

Edit: see BankDeals (July 11th) for more information.

Mostly applicable to Californians...

The Golden 1 Credit Union is once again offering a 5-Year-CD at 6.00% APY... LINK.

You can check eligibility requirements here, or call them at 877 Golden 1.

FWIW, I opened a Cd with them the last time they offered the 5 year, 6% CD (about 2 years ago), and have had no problems with them whatsoever.

They also have a 9-Month-CD at 5.50%

Community Bank of Bergen County NJ (member FDIC)
http://www.cbbcnj.com/savings.php

Prestige Interest Checking Account 4.50% APR (4.59% APY) on $25K+ ($5000 min to open; 4% APR on balances $5000 - $24999)
Business Prestige Money Market Account 4.50% APR (4.59% APY) on $25K+ ($25000 min to open)

WaMu's 10-month "Traditional CD" (for California, YMMV) has a 4.89% APR / 5.0% APY if you put in at least $10,000 (you can get a 10-month CD for less, but it pays 4.65% APR / 4.75% APY).

However -- if you are in CA, CT, NY or NJ you can get a 10-month 5.45% APY CD "with a little slot on its back where more money goes in" (cute, huh?). The minimum balance is $1,000 and it has to be new money.

You can add money any time you want ($100 minimum add-on deposit) but your total add-ons can only be as high as your initial balance. If you open one, find out if the add-ons have to be new money also, then come back and report.

Drawbacks: you can only open the CD at a branch or by calling 1-800-808-1396 -- there's no internet application. And you need to have a WaMu checking account.

This CD with Add-On Feature is not on the WaMu web site. It was advertised in today's Orange County (CA) Register.

Edit: according to BankDeals, the CD is also available in Oregon and Washington, and the offer ends August 2nd.

Link to the National First Credit Union thread about the 10-month 10% CD ($1,000 max) for Santa Clara County (CA) residents.

Just wanted to add that in addition to the 2 different rates I listed for Golden 1 Credit Union on July 11th, they are now also offering a 12 - 17 month CD at 5.80%

I was going to take advantage of the 6% OnPoint offer (above) when I noticed an even better deal at my local credit union:

7.79% APY 5-month CD at Clackamas Federal Credit Union

$1000 minimum; NO MAXIMUM. Expires in September.

Now I can't decide if I want to pull my money out of FNBO now or if I should wait until FNBO's offer ends in September.

Membership in Clackamas Federal Credit Union is open to all persons who live, work, worship or attend school in Clackamas County, Oregon.

I've updated a few of the CDs in the Quick Summary - you might notice that Fremont I&S rates have fallen below 5% - I left them in hoping that the rates would go up again so I wouldn't have to retype. I also updated First Republic and La Jolla Banks.

I started updating Indy Mac and Virtual Bank but they're available to all -- is it worth keeping nationwide unrestricted CDs in the list?

Vineyard Bank has a new Flex CD for California residents with a $1,000 minimum balance: 6-month, 1-year or 2-year CDs at 5.26% APR / 5.40% APY.

See my post of May 31 and the bank's rate sheet for more information.

First Republic Bank's Liquid CD is now a 5-month CD at 5.25% APY for California residents. See my post above for terms.

Note: this is very much YMMV. I was shown this rate when plugging in NoCal and SoCal zip codes, but not OR or WA zips (although theywere not Portland & Seattle zips). So check the First Republic web site for your area if you are interested in this CD as a short-term parking place for your cash.

Looks like the First Republic 5-Month Liquid Cd is now at 5.26% rate, 5.40% APY. I might park some money here. Terms are as ThursdaysChild stated. Min $10,000. Can withdraw every 7 days.

Rates SoCal zip 90007

For Utah FWers, First Utah Bank is offering 3-12 mo. CDs at 5.50%. If you open a checking account, the rate bumps up to 5.62%. Offer expires August 31, 2007. It looks like you must visit a branch to get the deal.

http://www.firstutahbank.com/hotrates.html

For VA, MD, DC FW members:
FidelityandTrustBank has a 9month CD special for 5.75APY. Minimum deposit is $1000.00 You can open a CD w/o being a member of the bank. There is no online option afaik. The bank has its branches in MD, VA and DC.
Link

Skipping 95 Messages...
I found a website that allows you to search for the best local CD Rates. I'm sure it's not all inclusive but I found a couple good local deals.

Link



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