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Our regular surveys of CD and Savings rates help you find the top rates offered by banks with FDIC insurance and credit unions with NCUA insurance.  Best Savings Account Rates iBonds

EE Savings Bond Rates

You can often get higher than advertised rates at your local branch if you do your homework. Print out the  "Highest CD Rate Survey" below and bring it in with you.   Also print out some of the advertisements showing rates advertised on your bank's competing web sites so you have proof.  (Make sure the date shows on your printout so they know it is current.) It costs money to get new accounts so Banks often give you a deal if you are ready to walk out the door with a cashier's check after you close your CD.        
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Major World Market Graphs at a Glance

 
              "Highest CD Rates Survey by Term"  (for a $10,000 Certificate of Deposit)
Term
Date
Highest
Rate (APY)
Where?
(Click link for Full Rate Sheets)
Vanguard Daily
11/13/14 0.01%
Vanguard Prime Money Market Fund
Vanguard Tax Exempt
11/13/14 0.01%
Vanguard Tax Exempt Money Market Fund
FDIC Daily Savings
1.40% Best Savings Account Rate Survey 
6 Month CD

0.87%
     Doral Bank
6 Mo US Treasury
11/13/140.08%
US Treasury Rate Quotes
US Treasury Series I Bonds
For the next 6 months

11/13/14 1.48%
Rate is fixed for 6 months after purchase
Current iBond Rates &
I- Bonds Explained
1 Year CD
11/13/14 1.10%
   Synchrony Bank 
1 Yr US Treasury
11/13/14 0.15%
US Treasury Rate Quote
2 Year CD
11/13/14 1.31%  Melrose Credit Union
3 Year CD
11/13/14 1.56%
 Melrose Credit Union
5 Year CD
11/13/14 2.25%
 Synchrony Bank 
5 Yr US Treasury
11/13/14 1.64%
US Treasury Rate Quote
7 Year CD
11/13/14 2.20%
Discover Bank 1.76% @ PenFed CU 
10 Year CD
11/13/14 2.30%
Discover Bank
10 Yr US Treasury
11/13/14 2.35%
US Treasury Rate Quote
30 Yr US Treasury
11/13/14 3.08%
US Treasury Rate Quote
Vanguard Money Market & US Treasury Rates shown for Reference 

==> Current US Treasury Rates <==

Quotes:  US Treasury Rate Quotes

Graphs:  US Treasury Rates at a Glance

Make sure you read the article: Beware of Annuities

Bottom line:
It never hurts to ask the teller if better rates are available when you do your homework!



Rates and terms may change so read the fine print and make sure you get FDIC insurance!!!! 





Find the best (highest paying) CD rates from this survey.  Top CD Rates:  This is our latest survey of the APY interest rates paid for certificates of deposit by term followed by a list of all banks and credit unions in our database that includes but is not limited to: Citibank, BofA, Chase, Wachovia, Taunus, Wells Fargo, HSBC, US Bancorp, Suntrust, ABN, Citizens Financial, Capital One, National City, PenFed, World Savings and many more.


Bank Name
As Of
Best Rate
 (APY)
Term for listed
CD Rate
1st Source Bank of South Bend, Indiana (IN)
11/25/08
4.51%
2 Years
 AbleBanking 11/6/12
1.45%
4-years
ABN Amro North America


Addison Avenue Federal Credit Union
7/15/09
1.60%
1-Yr
Advanta Bank Corp
9/3/07
5.40%
18 months
AIG Bank
11/30/10
2.20%
60 months
Allied First Bank of Naperville, Illinois (IL)
1/7/09
4.50%
4 years
AloStar Bank of Commerce becomming Nexity Bank 7/12/11
1.27%
12 months
Ally Bank  (formerly GMAC Bank - Story)
5/23/09
2.80%
1 Yr
AmTrust Direct 7/25/07
5.41%
1 Year
Apple Bank
2/28/08
3.75%
1, 2 & 5 yrs
Ascencia Internet Bank Louisville, Kentucky (KY) part of PBI Bank
4/26/11
1.51%
2 yrs
 Astoria Federal Savings Bank
6/9/11
2.255%
4-years
Aurora Bank, FSB in Wilmington, Deleware (DE)
7/28/09
1.71%
6 months
Bank of America 9/9/09
3.01%
5 years
 Bank of Baroda
11/24/12
0.60%
1 year
Bank of Hawaii (Bankoh)



Bank of Internet USA 11/09/10 1.15%
6-mo CD
Bank of Ireland
11/24/10
3.00%
1-Yr
Bank of the West
11/09/07
1.48%
1 YR CD
BankUnited of Florida
8/17/12
1.00%
3-years
Bancwest Corp.


Barclays Bank
5/29/12 1.25%
2 year CD
BBCN Bank
11/6/12
1.00%
12-month CD
BB&T Corp.


BNP Paribas Bank



Borel Private Bank & Trust Company



Capital One Bank
12/02/09
3.25%
10 Years
Capital One Financial Corp.


Cattleman's National Bank Corporation



Centennial Bank, Fountain Valley, Calif. (CA) 5/8/08
4.13%
3 years
Charles Schwab Corp.


 Chase Bank
11/28/12
1.01%
120 months
Christian Community Credit Union 11/15/10
2.90
5-yrs
CIT Bank
12/2/11
1.15%
1 year
Citibank 9/9/09
3.44%
5-years
Citizens Bank - Citizens Financial Group, Inc


Champion Bank  of St. Louis, Missouri (MO)


Colorado Federal Savings Bank; Greenwood Village, Colorado (CO)
8/26/13
1.00%
1 year CD
Commerce Bancorp, Inc.



Comerica Bank 10/29/08
3.75%
6 to 10 years
Countrywide Bank 03/06/08 4.10%
6 months
Corus Bank
2/24/09
2.73%
5 - yrs
Discover Bank, New Castle, Deleware (DE)
9/7/09
3.85%
10 Years
Doral Bank 12/9/13
1.50
5 year
Downey Savings
10/29/08
4.15%
12 months
E-Loan 5/4/08
4.60%
5 Years
E*Trade Bank
12/13/07
5.25%
6 Months
Eastern Savings Bank
3/10/08
3.70
2 years
EverBank of Jacksonville, FL
3/8/10
3.29%
5 years
Excel National Bank 2/10/08
4.00%
3, 6 & 12 months
FHLB
12/14/07
5.74%
Matures 2023
First Century Bank, N.A. Gainesville, Georgia (GA)
11/09/09


Fifth Third Bancorp


 First National Bank
9/2/14
1.61%
60 Months




First Niagara Bank
1/26/12
0.20%
30 months
First Republic Bank
12/22/04
4.85%
4-mo Liquid CD
Flagstar Bank 
12/07/07
5.01%
2 years
 Flagstar Bank Direct
08/03/10
1.25%
6 months
Florida Bank, Florida (FL)







FNBO Direct 9/2/14
1.15%
60 Months
Fremont Bank
10/12/12
0.75%
5 years
Fultdirect.com Herndon, Virginia (VA)
12/21/08
3.57%
6 months
Geauga Savings Bank, Newbury, Ohio (OH)
8/8/08
4.41%
2 years
 GE Capital Retail Bank
4/28/13
1.05%
1 Year
Golden 1 CU 11/10/10
2.15%
5 Years
Goldwater Bank; Scottsdale, Arizona (AZ)
12/02/09
2.99%
3 years
GMAC Bank  now
11/06/08
5.15%
5-years
Golden Bay Federal Credit Union 7/25/07
4.54%
5 Years
Harris Financial Corp.


Herigage Bank NA
10/04/10
2.10%
5-yr CD
HSBC Bank 9/9/09
2.00%
12 months
iGObanking - Lake Success, New York (NY) 8/26/13
2.05%
5 years
Imperial Capital Bank, LaJolla, California (CA)
8/28/08
4.10%
 6 month
Incredible Bank 4/26/11
1.30
1 year
Indymac Bank
12/31/07
5.05%
6 months
ING Direct
12/15/09
2.00%
1 Year
IB: Innovative Bank
6/30/09
2.15%
12 Months
Intervest National Bank 10/24/09 3.05%
4 years
J.P. Morgan Chase Bank
11/28/12
1.01%
10 Year CD
Keycorp


LA Financial Credit Union
03/06/08
4.75%
5 years
Lone Star Bank - Houston, Texas (TX)
7/28/09
3.35%
4 Years
Luther Burbank Savings
2/15/11
1.30%
12 Months
Marshall & Ilsley Corp. (M&I Bank) 12/31/07
4.00%
6 Months
M&T Bank 6/24/08
4.00%
3 Years
Mechanics Bank
5/12/12
1.05%
60 mo. (5 yrs.)
 Melrose Credit Union
4/28/13
1.96%
5 Years
Meriwest Credit Union
4/21/08
7.50%
12 Months
MetLife Bank of Bridgewater, New Jersey (NJ) 9/7/09
2.15%
18-months
Metropolitan National Bank
06/14/10
2.50
3-years
Millennium Bank
10/17/07
8.75%
5 years
 National Bank of Kansas City Missouri (MO)
1/13/10
2.75%
3-years
National City Bank 5/18/08
4.55%
3 years
Nationwide Bank
12/10/12
1.80%
5 years
 Navy Federal Credit Union
2/24/09
4.60%
30 Months
NetBank 7/25/07
5.40%
18 Months
New Dominion Direct Bank 3/10/08
3.77%
6 month
NexBank 12/09/12
1.60%
5 years
Nexity Bank, Birmingham, Alabama (AL)
5/24/11
1.12%
6 months
 newDominionDIRECT.com
7/6/09
2.40%
24 months
Northern Trust Corp.


Nova Bank in Philadelphia, PA
06/14/10 1.75%
18 Months
Old National Bank


OnBank, Oakfield, New York (NY)
6/13/08
4.15%
2 years
OneWest Bank, FSB
5/24/11
2.14%
4 years
Orchard Bank



Pacific Mercantile Bank
4/27/11
1.26%
1 Year
Pacific Premier Bank
8/28/09
2.55%
2 years
Pacific Western Bank
8/5/14
1.05%
11-Months
PNC Financial Services Group



Pentagon Federal Credit Union (PenFed CU)
12/31/07 5.25%
7 Years
Popular, Inc.


Presidential Bank, FSB of Bethesda, Maryland (MD)
1/14/09
3.25%
2 Years
Rabobank: Amgen Tour of California Sponsor
2/21/09
2.53%
1 Year
Regions Bank 



Ridgewood Bank 7/25/07
5.20%
30 Months (2.5 yrs)
Sallie Mae Bank 5/7/2010
3.00%
5-yrs
Saxo Bank - Amgen Tour of California Team



Security Savings Bank 7/25/07
5.20%
17 Months
Security Service Federal Credit Union
6/9/11
3.50%
7 years
South Carolina Bank and Trust



 Star One Credit Union
3/11/08
2.40%
1 & 2 Years
State Street Corp.


 Stonebridge Bank
7/9/10
3.0%
5-years
Suntrust Banks, Inc.
11/10/10
2.00%
63 Months
State Bank of India, New York, NY & Chicago
2/1/10
1.76%
1 year
State Employees Credit Union Raleigh, NC. 11/10/10
2.50%
5 yrs
Taunus Corp.



Tennessee Commerce Bank in Franklin, Tennessee, (TN) 4/27/11
2.15%
3-years
Torrey Pines Bank 3/21/12


The Golden1 CU 11/10/10
2.15%
5 Years
 TAB Bank - Transportation Alliance Bank  08/15/11
2.06%
4 years
TriState Capital Direct - Pittsburgh, Pennsylvania (PA)
7/28/09
2.50%
2-years
UFBDirect.com 12/15/09
1.55% 6 Month CD
UmbrellaBank.com
9/7/09
2.15%
12 months
Union Bank
11/9/11
0.50
2-years
United Americas Bank, Atlanta Georgia (GA)
12/02/09
1.60%
6-months
 USAA   9/8/10
3.92%
7-years
U.S. Bancorp


US Bank
2/7/10
3.10%
59 Months
 Valley National Bank
10/12/12
0.66%
72 Months
Vanguard  Valley Forge, Pennsylvania (PA)
7/25/07
5.25%
Daily Savings
VirtualBank, Palm Beach Gardens, Florida (FL)
11/4/08
4.45%
1 Year
Wachovia Bank
8/28/09
1.50%
19 months
Washington Mutual - WaMu
7/1/09
2.00%
2-YEARS
Wells Fargo Bank
9/9/09
2.00%
25 months
World Savings
11/04/07
N/A
Bought by Wachovia
Xenith Bank



Zions Bancorporation


Zions Bank Salt Lake City, Utah (UT)
8/26/13
0.80%
5 years

Survey of Rates by Term

Definition:  A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.  Often there is a penalty for early withdrawal (taking your money out before the specified period of time.)

Definition:  A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money.  That is you can take money out of the CD before it matures.  They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term.  They are sort of "half and half" and thus offer rates that are in-between the two.

Rates and terms may change at any time.  Contact the listed bank for their current rates.

Warning:  Banks and credit unions with high promotion rates to attract new deposits often have high early withdrawal penalties to recover the benefits should you need your money before the agreed upon term.  Make sure you read the fine print before making a decision.  If you think you might need some of your money before 5 years, for example, then you should consider splitting it into several CDs with multiple terms.  Perhaps split the money into 5 CDs with terms of 1, 2, 3, 4 and 5 years.  If you don't need the money when the 1 yr CD matures, you can roll it over into a new 5YR CD then do the same each year until you have a ladder of 5YR CDs that mature one per year.                                                   
 
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