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The YMMV, Geographic/Membership Restricted CD Rate Thread (user updated) in: Subjects › Deal

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Credit to bankdeals.blogspot.com

USBank (along with Downey Savings and PFF Bank and Trust that USBank recently took over) is offering a 4.25 APY 59 month CD (NOT mentioned on their web site).

It is adevertised here.

See bankdeals.blogspot.com for more information.


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I just opened two online CDs at Hanmi Bank (3 month and 6 month). The process was easy. Instant verification worked for me, but it turned on "bill pay" at my bank! I was told by a Hanmi rep that they "don't do that". After a bit of discussion, I think he might actually beleive that it did happen, and that I didn't do it! They also are having a bit of a problem this morning, and account numbers are not being assigned as accounts are created online. They expect to have that fixed today. I think their electronic banking help desk is getting a lot of calls this morning because I was on hold for 20+ minutes.

CD rates are still at 3.56% APY.


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Party's over...Hanmi online CD rates have dropped way down!


Internet CD

Term       Minimum Funding  Interest Rate  APY    
3 Months   $1,000           1.75%          1.76% 
6 Months   $1,000           2.00%          2.02% 
9 Months   $1,000           2.50%          2.53% 
12 Months  $1,000           2.75%          2.79%

Link to rate page.

Message edited by: george2001 on 2009-03-11 12:00:50 CDT
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Saehan Bank on Southern Cal has a 6 month CD at 3.29% APY. Min 10k to start and can add more later.


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Urban Trust Bank in Maryland & Florida is currently offering these rates for walk-in customers only:

39 Month 4.00% (IRA 4.25%)

48 Month 4.25% (IRA 4.50%)

60 Month 4.50% (IRA 4.75%)

$500 minimum deposit
For deposits up to $250,000

I drove 150 miles yesterday to get one.

Message edited by: blueribb on 2009-04-07 19:21:50 CDT
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More rate drops for Hanmi online CD rates (as of 4/10/2009)


Internet CD

Term       Minimum Funding  Interest Rate  APY    
3 Months   $1,000           1.50%          1.51% 
6 Months   $1,000           1.75%          1.77% 
9 Months   $1,000           2.25%          2.28% 
12 Months  $1,000           2.50%          2.53%

Link to rate page.


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desi0 said:Saehan Bank on Southern Cal has a 6 month CD at 3.29% APY. Min 10k to start and can add more later.

They require an "active" checking account. Did you get a definition of what constitutes "active"?


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Saehan is one of Los Angeles' Korean banks.

I think the term active means some activity like once a quarter.

I opened the flexible CD plus a fee free checking account and then an installment savings account (great rates!)

I don't know how strong the bank is but its all FDIC insured.


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Pacific Premier Bank (Costa Mesa, California) is offering a 2.5% APY 18 month CD ($10,000.00 minumum) and 2.75% APY for 2-5 year CD's (also $10,000.00 ninimum). Slightly lower rates for smaller deposits.

More rate information here.

Message edited by: george2001 on 2009-06-30 13:06:39 CDT
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East Boston Savings Bank

Has a decent new branch promotion, 14 months 2.55%
You must open at the Lynn MA branch. Have been offering this for over a month but was told it's suppose to end 7/23


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desi0 said:an installment savings account (great rates!)

What rates did they offer? Maybe I need another Korean bank.


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Bank Deal Guy Listed a great deal today,

First Priority credit union is offering a special 9-month certificate with a 3.00% APY. This requires that you open a new checking account. Without the checking, the rate is still very competitive at 2.50% APY. Minimum deposit is $1,000. The credit union is also offering other competitive rates on its standard certificates including a 2.75% APY for 24 months. First Priority Credit Union is open to members of the Postal Community (employees, retirees, family members) as well as those that live and work in Massachusetts' Essex County or Suffolk County.

I live in Essex county and went right over an opened an account, Suffolk County covers Boston so hopefully this might be helpful for some here


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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 year CD's ($10,000.00 ninimum) and a 2.50% APY for 3-5 year CD's ($10,000.00 ninimum). Those are down from my previous posting of their rates.

Complete rate table here.


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