 Home: VeryBestCdRates.com
==> CD Rates at Largest US Banks <==
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Very Best CD Rates Prior Update Current Survey here |
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You can often get higher than advertised rates at your local branch if you do your homework. Print out the "Highest CD Rate Survey"
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.)
Rates and terms may change so read the fine print and make sure you get FDIC insurance!!!!
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 chashier's check after you close your CD.
Bottom line: It never hurts to ask the teller if better rates are available when you do your homework! "Highest CD Rates Survey + Current US Treasury Rates"
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| Banks | iBonds |
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| TOP OF PAGE |
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| 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 uninos 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, IN |
11/25/08 |
4.51% |
2 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 |
| Allied First Bank of Naperville, IL |
1/7/09 |
4.50 |
4 years |
| 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 of Louisville, KY (a division of PBI Bank) |
12/04/08 |
3.76% |
6 months |
| Aurora Bank, FSB in Wilmington, DE |
7/28/09 |
1.71% |
6 months |
| Bank of America | 9/9/09 |
3.01% |
5 years |
| Bank of Internet USA | 7/28/09 |
2.30 |
Savings |
| Bank of the West |
11/09/07 |
4.50% |
Daily Savings |
| Bancwest Corp. | |||
| BB&T Corp. | |||
| Borel Private Bank & Trust Company |
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| Capital One Bank |
11/06/08 |
5.50% |
7 & 10 Years |
| Capital One Financial Corp. | |||
| Centennial Bank, Fountain Valley, CA | 5/8/08 |
4.13% |
3 years |
| Charles Schwab Corp. | |||
| Chase Bank |
9/9/09 |
3.00% |
5-years |
| Citibank | 9/9/09 |
3.44% |
5-years |
| Citizens Financial Group, Inc | |||
| Champion Bank of St. Louis, MO STL | |||
| Commerce Bancorp, Inc. |
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| 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, DE (Discover Card) |
9/7/09 |
3.85% |
10 Years |
| 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 |
| Excel National Bank | 2/10/08 |
4.00% |
3, 6 & 12 months |
| FHLB |
12/14/07 |
5.74% |
Matures 2023 |
| Fifth Third Bancorp | |||
| First Republic Bank |
12/22/04 |
4.85% |
4-mo Liquid CD |
| Flagstar Bank |
12/07/07 |
5.01% |
2 years |
| Flagstar Bank Direct |
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| FNBO Direct | 12/17/07 |
5.25% |
9 Months |
| Fultdirect.com Herndon, VA | 12/21/08 |
3.57% |
6 months |
| Geauga Savings Bank, Newbury, OH | 8/8/08 |
4.41% |
2 years |
| Golden1 CU | 12/13/07 |
4.30% |
5 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. | |||
| HSBC Bank | 9/9/09 |
2.00% |
12 months |
| iGObanking | 10/24/09 |
3.50 |
5 years |
| Imperial Capital Bank, LaJolla, CA |
8/28/08 |
4.10% |
6 month |
| Indymac Bank |
12/31/07 |
5.05% |
6 months |
| ING Direct |
8/28/08 |
4.00% |
1 Year |
| IB: Innovative Bank |
6/30/09 |
2.15% |
12 Months |
| iGObanking.com Lake Success, NY |
1/14/09 |
3.25% |
2 Years |
| Intervest National Bank | 10/24/09 | 3.05% |
4 years |
| J.P. Morgan Chase & Company |
11/13/07 |
5.25% |
7 months |
| Keycorp | |||
| LA Financial Credit Union |
03/06/08 |
4.75% |
5 years |
| Lone Star Bank - Houston, TX |
7/28/09 |
3.35% |
4 Years |
| Luther Burbank Savings |
11/22/07 |
5.10% |
5 Months |
| Marshall & Ilsley Corp. (M&I Bank) | 12/31/07 |
4.00% |
6 Months |
| M&T Bank | 6/24/08 |
4.00% |
3 Years |
| Melrose Credit Union |
4/5/09 |
3.91% |
5 Years |
| Meriwest Credit Union |
4/21/08 |
7.50% |
12 Months |
| MetLife Bank of Bridgewater, NJ | 9/7/09 |
2.15% |
18-months |
| Millennium Bank |
10/17/07 |
8.75% |
5 years |
| National City Bank | 5/18/08 |
4.55% |
3 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 |
| Nexity Bank (Birmingham, AL) |
1/23/09 |
2.86% |
9 month |
| newDominionDIRECT.com |
7/6/09 |
2.40% |
24 months |
| Northern Trust Corp. | |||
| OnBank, Oakfield, NY |
6/13/08 |
4.15% |
2 years |
| Pacific Mercantile Bank |
01/04/08 |
5.10% |
1 Year |
| Pacific Premier Bank |
8/28/09 |
2.55% |
2 years |
| PNC Financial Services Group |
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| Pentagon Federal Credit Union (PenFed CU) |
12/31/07 | 5.25% |
7 Years |
| Popular, Inc. | |||
| Presidential Bank, FSB of Bethesda, MD |
1/14/09 |
3.25% |
2 Years |
| Rabobank: Amgen Tour of California Sponsor |
2/21/09 |
2.53% |
1 Year |
| Regions Financial Corp. | |||
| Ridgewood Bank | 7/25/07 |
5.20% |
30 Months (2.5 yrs) |
| Saxo Bank - Amgen Tour of California Team |
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| Security Savings Bank | 7/25/07 |
5.20% |
17 Months |
| Star One Credit Union |
3/11/08 |
2.40% |
1 & 2 Years |
| State Street Corp. | |||
| Suntrust Banks, Inc. |
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| State Bank of India, New York, NY & Chicago |
12/0408 |
4.73% |
5 years |
| Taunus Corp. |
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| Tennessee Commerce Bank in Franklin, TN | 9/7/09 |
2.50% |
2-years |
| TriState Capital Direct - Pittsburgh, PA |
7/28/09 |
2.50% |
2-years |
| UFBDirect.com | 3/11/09 |
2.90% | 1 Year CD |
| UmbrellaBank.com |
9/7/09 |
2.15% |
12 months |
| Union Bank of Calif. | |||
| U.S. Bancorp | |||
| Vanguard | 7/25/07 |
5.25% |
Daily Savings |
| VirtualBank, Palm Beach Gardens, 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 |
| Zions Bancorporation | |||
| Zions Direct |
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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 inbetween the two. Rates and terms may change at any time. Contact the listed bank for their current rates. |
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