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CD Criteria.
Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.
CDs are similar to savings accounts in that they are federally insured and thus almost completely risk-free; they are "money in the bank." Bank CDs are insured by the FDIC (Federal Deposit Insurance Corporation) and credit union CDs are insured by the NCUA (National Credit Union Association).
They are different from savings accounts in that the CD has a specific, fixed term to maturity and typically a fixed interest rate for the duration of that term. CDs can have lower or higher rates that savings accounts, depending on the direction the prime rate (controlled by the Federal Reserve) is headed. You must leave your money in the CD for the term to maturity or face withdrawal penalties, which can quickly cut into the interest.
First Southern State Bank of Stevenson, AL has competitive certificate of deposit rates this week. The bank has a 13-month special CD rate of 1.6% annual percentage yield (APY). The 13-month CD requires a minimum opening balance of $1,000. Interest on the CD is paid monthly or at maturity. Other CD rates include:
Now that the FDIC deposit insurance limit is permanently set to $250,000, you can now open jumbo long-term CDs without worrying that some of the amount will eventually become insured.. For those who prefer to stay under the standard limit, this gives you more choices. USAA Bank which has some very high long-term super jumbo rates. [...]
Flagstar Direct is offering some pretty competitive nation wide 6 month and 12 month CD Rates. Flagstar CDs are FDIC insured and the rate will remain locked the entirety of the term.
Top Flagstar CD Rates:
GMAC Bank recently changed their name to Ally Bank, located at Ally.com. GMAC Bank is a subsidiary of GM, and it appears that this move is an attempt to distance itself from the bad press that GM has been receiving lately. GMACbank.com now points to Ally.com.
Ally Bank offers many of the same products as GMAC [...]
One of the top Oklahoma CD rates can be found at Cleveland Bank in Cleveland, Oklahoma. Stop by the Cleveland Bank branch on North Broadway to open an account and secure their current offer for an attractive 1.50% APY 12 month CD rate.
Please be sure to note the following conditions that must [...]
Fidelity Homestead Savings Bank of New Orleans, LA, is advertising some of the top CD rates available. Fidelity Homestead offers both IRA and regular CDs.
The bank is also advertising their Plus certificates of deposit and an 18 month variable CD rate IRA certificate of deposit. The current 18 month variable IRA CD [...]
Capital One has a 5-year certificate of deposit with a 2.96% annual percentage yield (APY). Capital One CDs feature:
Minimum deposit of $5,000
No monthly fees
Insured by the Federal Deposit Insurance Corp. (FDIC) up to $250,000
Certificate of deposit renews automatically unless you notify the bank
Early withdrawal penalty
Interest on Capital One certificates of deposit accrues daily, but can be [...]
On top of that, TotalBank has many other CD products available in branch, including a bump up 5 year CD for 3.00% APY.
The TotalBank e-Savings rate is currently at 0.85% APY.
TotalBank is FDIC [...]
One of my CDs at Ally was recently expiring and I called them to cash out a CD. Most of the time a bank will count on you not paying attention to when your CD matures and try to roll you into a low interest rate. I was pleasantly surprised when Ally’s representative offered me [...]
US Bank has some competitive online certificate of deposits that are nationally available. Their CDs require a minimum deposit of $1000 and you can apply online instantly. The current CD rates (as of 12/23/2009) are as follows:
23 month CD – 1.75% APY
42 month CD – 2.00% APY
59 month CD – 3.00% APY
Darby Direct is the online division of Darby Bank. They currently offer CDs and a Money Market account. Unfortunately it appears that Darby has recently limited their deposits to the state of Georgia, so these rates are no longer nationally available.
Darby has a money market account with a 1.25% APY. The Darby money market account [...]
Coulee Bank is a small bank located in Wisconsin. They are currently offering some decent CD and money market rates, as well as a rewards checking account with a rate of 4.04% APY.
Coulee’s current CD rates are as follows:
11 month CD – 1.52% APY, $25,000 minimum deposit
12 month IRA CD – 1.08% APY, $500 min [...]
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2.25% Money Market Bonus Rate at EverBank
APY Savings Account at Ally (6/23/2010)
1.21% APY with WTDirect Savings Account
5% Cashback Rewards with Chase Freedom 
