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posted: Feb. 28, 2007 @ 10:12a
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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.
>Where do you search for the best rates? Please post these in the resource section in the quick summary. -------------------------------------------------------------------------------
$ - 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
-------------------------------------------------------------------------------- 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
Someone please update the QS, I don't have the time to figure it out right now.
posted: Mar. 9, 2007 @ 3:59p
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.
Senior Member - 2K
posted: Mar. 14, 2007 @ 3:07p
Teacher's FCU (NY, Suffolk County) offers 30-month CD at 5.25% APY, with $1000 minimum. NCUA insured.
posted: Mar. 18, 2007 @ 1:06p
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.
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.
posted: Mar. 20, 2007 @ 2:52p
Superior Savings of New England no longer offers the 6-month 5.60% CD, so it has been removed from the Quick Summary.
posted: Mar. 30, 2007 @ 8:25p
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
posted: Apr. 2, 2007 @ 11:05p
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.
posted: Apr. 4, 2007 @ 1:27p
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.
posted: Apr. 12, 2007 @ 12:07p
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.
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.
posted: Apr. 26, 2007 @ 4:20a
Clarified the QS as per ThursdaysChild's insight.
posted: May. 8, 2007 @ 10:50a
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.
As of 5/7/07, the rates on Fremont's 3- 6- and 9-month CDs have fallen. The Quick Summary has been updated.
posted: May. 13, 2007 @ 8:32p
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?
Back in Rehab
posted: May. 17, 2007 @ 8:52a
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
posted: May. 31, 2007 @ 1:35p
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.
posted: Jun. 21, 2007 @ 11:48a
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.
posted: Jun. 22, 2007 @ 11:34a
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.
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
posted: Jul. 10, 2007 @ 1:38p
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.
posted: Jul. 11, 2007 @ 3:42a
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%
posted: Jul. 12, 2007 @ 11:37p
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)
posted: Jul. 16, 2007 @ 5:12p
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.
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.
posted: Jul. 23, 2007 @ 6:48p
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?
posted: Aug. 6, 2007 @ 2:06p
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.
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.
posted: Aug. 17, 2007 @ 4:35a
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.
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.
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...
posted: Dec. 8, 2009 @ 10:25a
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.
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