• 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When money is withdrawn from a certificate of deposit early there is a penalty fee of all dividends on the amount withdrawn or 30 days dividends for terms of six months or less. For terms of  more than six months the penalty is all dividends on the amount withdrawn or 60 days dividends on the withdrawn amount.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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Some of their current CD rates include a 25 month special CD with 2.78% APY. Their long term rates include a 3.04% 36 month CD and a 3.25% APY 48 month CD.

Minimum deposit on CDs is $500. Both regular and IRA certificates are available.

Membership is open to members of various associations, including ProVision, which anyone can join with a $5 membership fee. You can also join the credit union via select employer groups.

Crane Federal credit union allows you to open accounts by mail. They will send you an application if you request it. Once you become a member of the credit union you can open CDs online.

Branches of Crane are located in Crane, Washington, Bloomington, Loogootee, Terre Haute, Odon, Linton, Bedford, and Plainsfield.

• Low minimum opening balance of $500
• Maximum share balance of $75,000
• Also available as IRA Certificate
• Can be opened online

Field of membership is mainly based on your employer. Eligible employers include most schools in Southern California. There is a $15 one-time membership fee for signing up. They will waive this fee for family members of members who join in July and August. A minimum $5 deposit in your share savings account is required for membership.

Branches of Schools First FCU are located throughout Southern California including the cities of Anaheim, Irvine, Cerritos, Fullerton, Cypress, San Bernardino and Santa Ana. Schools First Federal Credit Union is NCUA insured.

• 3 month CD – 2.00%
• 6 month CD – 2.25%
• 1 year CD – 2.25%
• 18 month CD – 2.75%
• 2 year CD – 2.75%

Minimum deposit on these CDs is $500. The same rates apply to IRA CDs.

Branches are located in the Tennessee cities of Athens, Nashville, Brentwood, Franklin, Cordova, Goodlettsville, Jackson, Knoxville, Chattanooga and Memphis, in the Kentucky city of Bowling Green, and in the Mississippi city of Corinth.

Metro Phoenix Bank is offering some competitive rates on their CD and IRAs.

Their best rates include:

• 12 month CD – 2.52%
• 2 year CD – 2.78%

Minimum deposits are $5,000 for a regular certificate an $2,000 for an IRA certificate. Their money market account also has some fairly competitive balances:

• Up to 24,999 – 1.26%
• 25,000 – 99,999 – 1.76%
• 100,000 – 999,999 – 2.53%
• 1,000,000+ – 3.04%

Rates are current as of 7/6/2009. A branch visit is required to open the account. Branches are located in Phoenix, Arizona.

Minimum deposits on CDs is $1,000. Greylock also offers Jumbo and IRA CDs, with rates that are 10 points higher

Membership is open to anyone who lives or works in Berkshire County, Massachusetts. Membership requires a minimum balance of $5 in the share savings account.

Greylock FCU Branches are located in the cities of Pittsfield, Adams, North Adams, Lee, Great Barrington and Williamstown. The credit union is insured by the NCUA.

The reason the certificate is called a “semi-liquid” CD is because you’re allowed to withdraw as often as every 7 days until you reach up to 50% of the initial deposit.

Membership is open to anyone who belongs to another credit union. You can also qualify if you live, work, worship, or attend school in one of many California cities. Membership requires a $5 fee and a $25 minimum deposit in your savings account.

Branches are located in Pasadena and Los Angeles, California. Rates are current as of 6/23/2009.

• 12 month CD @ 2.50%
• 24 month CD @ 2.75%
• 36 month CD @ 3.00%

Minimum deposit on all CDs is $1,000.

The bank also includes a competitive rate on it’s Charter Savings Account with 1.75% APY.

A branch visit is required to open an account, and the bank is located in Mesa, Arizona. The bank is FDIC insured.

Asian Bank is offering special 15-month CD special with a 2.65% APY. Minimum deposit on this certificate is $1,000.

A branch visit is required to open an account. Asian Bank is a one-office bank with branches in Philadelphia, Pennsylvania.

Asian Bank is FDIC insured. Make sure to keep your deposits under the FDIC insured limit.

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Membership is open to those residing, working or worshiping in the counties of Shawnee, Jackson, Jefferson, Osage, Douglas, Johnson, Wyandotte, and Leavenworth, all in the state of Kansas. Please visit to the credit union’s membership page  for the full details. You can apply online, and membership requires a minimum balance of $5 in the regular share savings account.

Branches are located in Topeka and Hutchinson, Kansas. The credit union is fully NCUA insured.

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