Earn 5.70% APY* on 10-yr CD. FDIC insured. 5 star Bankrate rating
Chicago, IL
11/21/08
3.80
S
3.80
$10,000
Salt Lake City, UT
11/21/08
3.40
Q
3.44
$1,000
Serving our clients since 1873. FDIC insured.
Thousand Oaks, CA
11/21/08
2.90
D
2.95
$10,000
Check out our 9 Month CD at 3.30% APY. $10k min. FDIC Insured.
Arlington, VA
11/21/08
2.37
D
2.40
$1,000
Flagstar Bank Troy, MI
11/21/08
4.19
Q
4.25
$500
State Bank of India New York, NY
11/21/08
4.10
Q
4.16
$5,000
UmbrellaBank.com Birmingham, AL
11/21/08
4.02
D
4.10
$1,000
Nationwide Bank Columbus, OH
11/21/08
3.97
D
4.05
$500
Pacific Mercantile Bank Costa Mesa, CA
11/21/08
3.93
D
4.01
$10,000
E-LOAN Pleasanton, CA
11/21/08
3.93
D
4.01
$10,000
Advanta Bank Corp. Salt Lake City, UT
11/21/08
3.92
D
4.00
$10,000
Imperial Capital Bank LaJolla, CA
11/21/08
3.93
M
4.00
$2,000
Corus Bank Chicago, IL
11/21/08
3.93
M
4.00
$10,000
Discover Bank New Castle, DE
11/21/08
3.93
D
4.00
$2,500
EverBank Jacksonville, FL
11/21/08
3.92
D
4.00
$1,500
Wachovia Bank, NA Charlotte, NC
11/21/08
3.92
D
4.00
$1,000
Stonebridge Bank Exton, PA
11/21/08
3.92
D
4.00
$500
IndyMac Federal Bank Pasadena, CA
11/21/08
3.92
D
4.00
$5,000
Centennial Bk Fountain Valley, CA
11/21/08
3.90
M
3.97
$10,000
AIG Bank Wilmington, DE
11/21/08
3.88
D
3.96
$2,500
giantbank.com Ft. Lauderdale, FL
11/21/08
3.84
D
3.91
$2,500
Heritage Bank, N.A. Phoenix, AZ
11/21/08
3.84
Q
3.90
$5,000
Nexity Bank Birmingham, AL
11/21/08
3.79
D
3.86
$1,000
Bank of Internet USA San Diego, CA
11/21/08
3.75
D
3.82
$1,000
VirtualBank Palm Beach Gardens, FL
11/21/08
3.75
D
3.82
$10,000
California First National Bank Irvine, CA
11/21/08
3.74
M
3.80
$5,000
First Internet Bank of Indiana Indianapolis, IN
11/21/08
3.74
M
3.80
$1,000
Omni National Bank Atlanta, GA
11/21/08
3.73
D
3.80
$5,000
Ascencia, a div. of PBI Bank Louisville, KY
11/21/08
3.69
M
3.75
$500
newdominionDIRECT.com Charlotte, NC
11/21/08
3.68
D
3.75
$3,000
Metropolitan National Bank New York, NY
11/21/08
3.75
A
3.75
$2,500
1st Source Bank South Bend, IN
11/21/08
3.70
A
3.70
$500
Intervest Natl Bk New York, NY
11/21/08
3.59
D
3.66
$2,500
Excel National Bank Beverly Hills, CA
11/21/08
3.54
M
3.60
$10,000
Presidential Bank, FSB Bethesda, MD
11/21/08
3.45
M
3.50
$1,000
Nova Savings Bank Philadelphia, PA
11/18/08
3.44
D
3.50
$500
Nova Savings Bank Philadelphia, PA
11/18/08
3.44
D
3.50
$500
Allied First Bank Naperville, IL
11/14/08
3.64
M
3.70
$500
Contacting Lenders
If you believe that you have received an inaccurate quote or are otherwise not
satisfied with the services provided to you by the lender you choose, please
click here. Many lenders have different rates on their own Websites
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please identify yourself as a Bankrate.com customer.
The rates above were collected by Bankrate.com on the dates specified. Rates
are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the
creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes.
For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts,
and brokers, some of whom have paid for a link to their own Web site, where you
can find additional information.
From Bankate.com
CD Rates, The Basics
A certificate of deposit or CD is similar to a savings accounts in that they are FDIC or NCUA insured up to $100K or $200K for a joint account, which makes them basically risk free up to $100K. CD rates are typically much higher than savings account or money market rates. Many consumers divide their money into multiple CD's with multiple banks to give them the greatest protection against bank failure. They are different from savings accounts in that the money that is saved in the CD is intended to stay in the CD for a specific period of time. Time periods typically vary from 6 months to 5 years. Longer fixed periods have higher CD rates. At the end of the maturity period the CD can be withdrawn along with the accrued interest.
In exchange for keeping the money on deposit for the agreed-on term, CD rates are typically higher than accounts from which money may be withdrawn on demand. Fixed CD rates are common, but some institutions offer CDs with various forms of variable CD rates.
Things to Know When Shopping CD Rates
A larger principal should receive a higher CD rate.
A longer term should receive a higher CD rate
Smaller banks and credit unions tend to offer higher CD rates.
Personal CD accounts generally receive higher CD rates than business CD accounts.
Closing a CD
Withdrawing money before the CD has matured is usually not a good idea, as there are substantial penalties. For example, a 5 year CD, usually has a loss of six months' interest penalty.
Amerisave and all affiliated companies make no warranty and take no responsibility for the
accuracy of the information found on this website.
