- 4.00% APY for a 7 month CD
- 4.25% APY for a 12 month CD
- $5,000 minimum
800-922-4684
You can often get higher than advertised rates at your local branch if you do your homework. Print out our "Highest CD Rate Survey" and bring it in with you. Print out some of the advertisement of rates advertised on your bank's competing web sites so you have proof."Highest CD Rate Survey"
| Term | Date | Highest Rate (APY) | Where? (Click link for Full Rate Sheets) |
| Daily Savings | 6/24/08 | 2.24% | Vanguard Prime Money Market Fund |
| Tax Exempt | 6/24/08 | 1.78% | Vanguard Tax Exempt Money Market Fund |
| 6 Months | 6/24/08 | 3.75% | Indymac Bank |
| 7 Months | 6/24/08 | 4.00% | Wachovia Bank |
| 1 Year | 6/24/08 | 4.10% | Indymac Bank and 3.91% @ E-Loan |
| 1 Yr Treasury | 6/24/08 | 4.11% | US Treasury Rates |
| 18 Months | 6/24/08 | 4.15% | M&T Bank & 4.10% @ E-Loan |
| 2 Years | 6/24/08 | 4.25% | @ E-Loan |
| 3 Years | 6/24/08 | 4.45% | 4.45% @ E-Loan |
| 4 Years | 6/24/08 | 4.91% | M&T Bank & 4.71% @ E-Loan |
| 5 Years | 6/24/08 | 5.04% | M&T Bank & 5.00% @ E-Loan |
| 7 Years | 6/24/08 | 4.60% | PenFed CU |
| 10 Yr Treasury | 6/24/08 | 4.11% | US Treasury Rates |
| Online Savings | 6/24/08 | 3.50% | HSBC Bank Online Savings |
We often get better than advertised rates if we bring in our own rate sheet survey, especially if it keeps us from taking our money from a renewing CD to another bank. 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.
Bottom line: It never hurts to ask the teller if better rates are available and do your homework!