• 1.4% APY for 6 months
• 1.8% for 18 months
• 2.2% for 30 months
• 2.35% for 3 years
• 2.55% for 4 years
• 2.75% for 5 years

When money is withdrawn from a certificate of deposit early there is a penalty fee of all dividends on the amount withdrawn or 30 days dividends for terms of six months or less. For terms of  more than six months the penalty is all dividends on the amount withdrawn or 60 days dividends on the withdrawn amount. The early withdrawal penalty may be waived in certain situations, such as the death of an account holder.

Southeast Financial Credit Union is one of the largest credit unions in Tennessee. It has more than 60,000 members in several states, including employees of BellSouth and the state of Tennessee.  There are more than 200  other companies and organizations that have employees who are eligible for membership. The credit union has 17 branches and offers online banking.

In addition to certificates of deposit, Southeast Financial Credit Union offers savings and checking accounts, credit cards, home loans, lines of credit, and financial planning.

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Health Savings Account Rates

• Balance $0 – $2,499 – 0.35% Rate 0.35% APY
• Balance $2,500 – $4,999 – 0.45% Rate 0.45% APY
• Balance $5,000 – $9,999 - 0.50% Rate 0.50% APY
• Balance $10,000+  -  0.75% Rate 0.75% APY

Credit Union of Colorado also features two money market accounts. Their Insured Money Management Fund currently has a rate of 0.35 percent with an annual percentage yield (APY) of 0.35 percent. The minimum opening deposit is $2,500.  The minimum balance to earn the stated APY
is also $2,500.

The Insured Money Market Plus Account has a minimum opening balance of $10,000. Following are the current Insured Money Market Plus Account rates and APY.

• Balance $10,000 – $24,000 - 0.50% Rate 0.50% APY
• Balance $25,000 – $49,999 - 0.75% Rate 0.75% APY
• Balance $50,000+ - 0.90% Rate 0.90% APY

For the list of their savings account rates and money market account rates visit cuofco.org.

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As with all credit unions you’ll have to join Navy Federal to open a certificate of deposit. For more information on credit union’s membership requirements visit: Navy Federal FCU membership info.

Navy Federal FCU has been around since 1933 and has over 3 million members.

Navy Federal CD Rates for Share, IRA and ESA Certificates:

Minimum deposit $1,000

• 1 Year CD 1.34% Rate 1.35% APY
• 2 Year CD 1.78% Rate 1.80% APY
• 3 Year CD 2.18% Rate 2.20% APY
• 4 Year CD 2.47% Rate 2.50% APY
• 5 Year CD 2.81% Rate 2.85% APY
• 7 Year CD 3.78% Rate 3.85% APY

Minimum deposit $20,000

• 1 Year CD 1.49% Rate 1.50% APY
• 2 Year CD 1.93% Rate 1.95% APY
• 3 Year CD 2.32% Rate 2.35% APY
• 4 Year CD 2.62% Rate 2.65% APY
• 5 Year CD  2.96% Rate 3.00% APY
• 7 Year CD 3.92% Rate 4.00% APY

Jumbo CD rates – Minimum deposit $100,000

• 6 To 11 Months CD 1.29% rate 1.30% APY
• 12 To 23 Months CD 1.64% rate 1.65% APY
• 24 To 35 Months CD 2.23% rate 2.25% APY
• 36 To 59 Months CD 2.47% rate 2.50% APY
• 60 To 84 Months CD 3.10% rate 3.15% APY

Certificates of deposit are insured by the National Credit Union Administration for up to $250,000. For more information and current CD Rates visit: Navy FCU.

Branches are located around the US and the world.

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• 1 year 1.81% APY
• 2 years 2.07% APY
• 3 years 2.57% APY
• 4 years 2.83% APY
• 5 years 3.39% APY

The minimum deposit for regular Melrose Credit Union CDs is $5000.

The credit union also offers IRA Certificates with the following interest rates:

• 1 year 2.07% APY
• 2 years 2.32% APY
• 3 years 2.83% APY
• 4 years 3.09% APY
• 5 years 3.65% APY

The minimum deposit for IRA CDs is $4,000.

All share certificates may incur early withdrawal penalties. New CDs and renewed certificates compound their dividends on a quarterly basis.

The certificate of deposit rates are in effect as soon as the credit union receives your initial funding. You can apply for these CDs online.

Melrose Credit Union practically accepts everyone who wants to join because it has an open charter. Be forewarned, however – the credit union did a hard credit pull when he opened an account.

Melrose Credit Union has excellent ratings from BauerFinancial and bankrate.com. Both issued 5 stars for performance, soundness, and safety based on their June 2009 data.

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Digital Credit Union Membership Information

Anyone can join DCU via membership in an association. The least expensive membership available is $10 for joining Reach Out for Schools. You can be immediately eligible to join DCU if you live, work, worship or attend school in parts of Georgia and Massachusetts.

In the instructions for joining DCU there are links to an online membership application and a PDF application. The online application is a bit more tedious than some other online bank apps:

In order to continue processing your application, please mail a $5 check or money order payable to DCU to fund your membership.

If you have joined through a sponsoring organization, then please make sure to also include funds to cover that organization’s membership fee.

Also, please mail a copy of your driver’s license or passport. If sending a passport, or if your license does not show your current address, please also send either a utility bill in your name (electric, gas, home telephone) or a copy of your apartment lease agreement. If you have listed a Joint Owner on your application, that person must also send the required ID and address proof.

Please note, we do not accept cell phone bills, bank statements, credit card statements or pay statements as address verification.

Branches are located throughout Massachusetts, in Hudson, Merrimack and Nashua in New Hampshire, in Colorado Springs, Colorado and in Alpharetta, Georgia.

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You can withdraw the entire amount and all interest will be included with the withdrawal up to the date that the withdrawal was made. You can request this by phone, email, or mail.

AFCU’s field of membership includes members of CityDance Ensemble. CityDance has open membership to anyone that pays membership dues of $20.00. This membership can be done at the same time that you apply for credit union membership. They have an online membership application in which you can join CityDance for $20 and join the credit union for a $5 initial deposit to the Primary Share account. You do not have to renew your CityDance membership to maintain membership at the credit union.

The field of membership also includes those who live, work or worship in Washington DC plus other group affiliations.

Branches are located in Washington DC, Riverdale, Maryland, and Alexandria, Virginia. AFCU is also part of National Shared Branching network in which you can use local credit unions to access your account and conduct many transactions.

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First Entertainment Credit Union also has a savings account called First500 Savings in which you can earn 7% APY on your first $500. To qualify for this yield, you’re required to have a checking account with eStatements and either Online Billpayer or Direct Deposit. The low cap does hurt this deal. You only can make about $25/year more than what you would make in a 2% savings account. It’s probably not worth it to join the credit union for this, but it’s an extra bonus if you join for the CD.

The credit union has an online CD application which allows you to select how the funds should be treated at maturity, how interest is to be paid and which First Entertainment account is to be used for funding. It also allows you to add up to two POD beneficiaries.

Membership is open to most individuals who work, live, attend school or worship in the Greater Los Angeles Area. You can also be eligible via select employee groups and via family members (and not just immediate family). Membership requires a one-time fee of $5 and a minimum deposit of $5 into the First500 Savings Account.

Branches are located in the California cities of Hollywood, Burbank, Culver City, Los Angeles, Studio City, Santa Monica and Valencia. First Entertainment Credit Union is NCUA insured.

In the past, this credit union has allowed anyone to join and open CDs and savings accounts with them. With this new 29-mile radius restriction, it looks like the credit union wants to keep their deals local.

According to the credit union’s Membership page, anyone can be eligible for membership by a one-time membership donation to Gifts for Easter Seals. There’s also a long list of Select Employee Groups. Membership requires a minimum deposit of $5 into your share savings account.

The credit union’s main office is located in Largo, Maryland. There’s also an office with limited access in College Park.

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In order to qualify for the rewards checking rate, the following requirements must be met:

• 10 signature based debit card purchases
• 1 direct deposit or ACH debit/credit
• Access online banking
• Sign up to receive e-Statements

Note, the above details (except for the rates) are not listed at the credit union’s website as of 8/16/09. If qualifications are not met the rate drops to 1.01%.

Membership is open to those who live, work, attend school or worship in parts of Houston. Plus4 used to be a postal employee credit union, so postal employees and retirees of several Southeast Texas counties are eligible to join. Branches are located in Houston, TX.

Membership requires a minimum balance of $5 in a share account. Applications can be done by mail, in person or online.

• 2.50% APY 7 month CD
• 2.60% APY 11 month CD
• 2.75% APY 17 month CD

In addition, they also offer Jumbo CDs that add .15% to special CDs and .25% to regular certificates. Many of their regular CD rates are competitive as well.

Membership to Fort Knox Credit Union is open to people who live work or worship in any of the following Kentucky counties: Boyle, Breckinridge, Grayson, Hart, Larue, Meade, Nelson and Taylor. There’s also a large list of select employer groups. Relatives of any person who can be a member may also join. There’s a $10 membership fee, and a minimum $5 deposit into a share savings account is required.

Fort Knox branches are located in several cities in Kentucky including Fort Knox, Radcliff, Elizabethtown and Campbellsville.

These CD rates are only available locally.

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