PenFed Tops our Best CD Rates Survey

The top rates for CDs this week are at Pentagon Federal Credit Union (fondly known as PenFed CU) for 5 and 7-year certificates of deposit that currently pay 4.50%.

For shorter term, Flagstar Bank, has a 1-year CD with a 3.25% annual percentage rate.

For online savings, HSBC Bank is paying 2.60%.

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.


"Highest CD Rate Survey + Current US Treasury Rates"

Term	Date	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Daily Savings	1/23/09	1.81%	Vanguard Prime Money Market Fund
Tax Exempt	1/23/09	0.68%	Vanguard Tax Exempt Money Market Fund
Online Savings	1/23/09	2.60%	HSBC Bank
3-Month Treasury	1/23/09	0.09%	US Treasury Rates at a glance
6 Months	1/23/09	2.95%	Ascencia Internet Bank
6-Month Treasury	1/23/09	0.28%	US Treasury Rates at a glance
9 Months	1/23/09	2.76%	Nexity Bank (Birmingham, AL)
1 Year	1/23/09	3.25%	Flagstar Bank
1 Year Treasury	1/23/09	0.41%	US Treasury Rates at a glance
18 Months	1/23/09	3.00%	UmbrellaBank
2 Years	1/23/09	3.25%	iGObanking.com
2 Year Treasury	1/23/09	0.77%	US Treasury Rates at a glance
3 Years	1/23/09	3.35%	Discover Bank
3-Yr Treasury	1/23/09	1.12%	US Treasury Rates at a glance
4 Years	1/23/09	4.25%	PenFed Credit Union
5 Years	1/23/09	4.50%	Pentagon Federal CU & 3.80 @ Discover Bank
5 Yr Treasury	1/23/09	1.61%	US Treasury Rates at a glance
7 Years	1/23/09	4.50%	Pentagon Federal CU & 4.00 @ Discover Bank
10 Yr Treasury	1/23/09	2.63%	US Treasury Rates at a glance
10 Years	1/23/09	4.00%	Discover Bank
30 Yr Treasury	1/23/09	3.32%	US Treasury Rates at a glance

• Easy to Read Best CD Rate Survey
  
  
• US Treasury Rates at a Glance
  
  
• World Stock Markets at a Glance

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

Flagstar Bank's 4.01% Best CD Rate

Flagstar Bank, headquartered in Troy, Michigan is offering a 1-year CD with a 3.25% APY (annual percentage yield). They call it their "12-14 Month Internet Promotional CD." Their best paying CD is a for four years (48 months) with an APY of 4.01%.

Current CD rates and terms at Flagstar Bank

==> " CD Rates at Flagstar Bank " as of 1/23/09 <==

CD Term                  APY

180 Day Online CD       2.86%
6 Month Internet Promo  2.86%
12 Month Online CD      2.75%
12-14 Month Promo CD    3.25%
18 Month Online CD      2.45%
24 Month Online CD      2.66%
30 Month Online CD      2.45%
36 Month Online CD      2.66%
48 Month Online CD      4.01%
60 Month Online CD      3.76%

To better view the above table, see current rates and terms plus contact information, see:

Flagstar Bank

For more rates and terms, see our updated our survey of the Very Best CD Rates with FDIC at:

*==> Very Best CD Rates with FDIC <== *

Agency and GSE Offerings from Fidelity

Fidelity Fixed Income New Issues: Agency/GSE the week of 1/12/09

Fidelity is pleased to announce this week?s New Issue Agency / GSE offerings:

Name Coupon Maturity Rating   CP?   Price
FFCB 2.00% 07/07/11 Aaa/AAA* No** 100.00
FHLMC 2.25% 01/20/12 Aaa/AAA* No** 100.00
FFCB 3.00% 01/02/14 Aaa/AAA* No** 100.00
FHLB 3.05% 01/16/14 Aaa/AAA* No** 100.00
FHLB 3.125% 01/27/14 Aaa/AAA* No** 100.00
FHLB 3.50% 01/23/15 Aaa/AAA* No** 100.00
FFCB 4.00% 01/23/17 Aaa/AAA* No** 100.00
FFCB 4.25% 01/22/19 Aaa/AAA* No** 100.00
FFCB 4.375 01/23/24 Aaa/AAA* No** 100.00
FHLB 4.75% 01/29/24 Aaa/AAA* No** 100.00

CP? means "Call Protected"

FFCB = Federal Farm Credit Bank http://www.farmcredit-ffcb.com/
FNMA = Fannie Mae, The Federal National Mortgage Association http://www.fanniemae.com/
FHLMC = Freddie Mac, Federal Home Loan Mortgage Corporation. http://www.freddiemac.com/

*Moodys/S&P Ratings
** CP?: Call Protected "Yes" means the bond is not callable. Call Protected "No" means the bond is callable.

Please refer to http://www.fidelity.com/newissueagencies on Fidelity.com for more information or to place an order. Phone: (800) 544-5372.

Quantities of new issues are limited and orders will be filled on a first come first serve basis. Prices may fluctuate due to market conditions. See Fidelity web site for risk information.

4.50% CD in Best CD Rate Update

The top rates for CDs this week are at Pentagon Federal Credit Union for 5 and 7-year certificates of deposit that currently pay 4.50%.

For shorter term, Borel Private Bank & Trust Company has a 5-month CD with a 3.25% annual percentage rate.

For online savings, HSBC Bank is paying 2.60%.

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.

"Highest CD Rate Survey + Current US Treasury Rates"

Term	Date	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Daily Savings	1/14/09	2.09%	Vanguard Prime Money Market Fund
Tax Exempt	1/14/09	0.79%	Vanguard Tax Exempt Money Market Fund
Online Savings	1/14/09	2.60%	HSBC Bank
3-Month Treasury	1/14/09	0.10%	US Treasury Rates at a glance
6 Months	1/14/09	2.95%	Ascencia Internet Bank
6-Month Treasury	1/14/09	0.28%	US Treasury Rates at a glance
9 Months	1/14/09	1.55%	Wachovia Bank
1 Year	1/14/09	3.28%	Pacific Mercantile Bank 3.20% @ UmbrellaBank
1 Year Treasury	1/14/09	0.43%	US Treasury Rates at a glance
18 Months	1/14/09	3.25%	UmbrellaBank
2 Years	1/14/09	3.25%	iGObanking.com and Presidential Bank
2 Year Treasury	1/14/09	0.73%	US Treasury Rates at a glance
3 Years	1/14/09	3.35%	Discover Bank
3-Yr Treasury	1/14/09	1.03%	US Treasury Rates at a glance
4 Years	1/14/09	4.25%	PenFed Credit Union & 4.00% @ Flagstar Bank
5 Years	1/14/09	4.50%	Pentagon Federal Credit Union & 4.00% @ WaMu
5 Yr Treasury	1/14/09	1.36%	US Treasury Rates at a glance
7 Years	1/14/09	4.50%	Pentagon Federal Credit Union
10 Yr Treasury	1/14/09	2.20%	US Treasury Rates at a glance
30 Yr Treasury	1/14/09	2.91%	US Treasury Rates at a glance

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

San Diego Metropolitan Credit Union 3.80% CD

Below is a table showing rates and terms for San Diego Metropolitan Credit Union (CU) certificates of deposit.

Term	Dividend Rate	APY*
91 Day
91 Day $500 - $9,999	1.79%	1.80%
91 Day $10,000 - $89,999	1.88%	1.90%
91 Day $90,000 and above	1.98%	2.00%
26 Week
$500 - $9,999	2.18%	2.20%
$10,000 - $89,999	2.28%	2.30%
$90,000 and above	2.37%	2.40%
8 Month
$500 - $9,999	2.18%	2.20%
$10,000 - $89,999	2.28%	2.30%
$90,000 and above	2.37%	2.40%
1 Year
$500 - $9,999	2.47%	2.50%
$10,000 - $89,999	2.57%	2.60%
$90,000 and above	2.67%	2.70%
18 Month
$500 - $9,999	2.47%	2.50%
$10,000 - $89,999	2.57%	2.60%
$90,000 and above	2.67%	2.70%
2 Year
$500 - $9,999	2.57%	2.60%
$10,000 - $89,999	2.67%	2.70%
$90,000 and above	2.76%	2.80%
3 Year
$500 - $9,999	2.86%	2.90%
$10,000 - $89,999	2.96%	3.00%
$90,000 and above	3.06%	3.10%
5 Year
$500 - $9,999	3.54%	3.60%
$10,000 - $89,999	3.64%	3.70%
$90,000 and above	3.74%	3.80%

The San Diego Metropolitan Credit Union is covered by the NCUA through their charter # 61003.

Special Certificates

From San Diego Metropolitan Credit Union:

Certificates

This dividend-bearing account allows the member to invest monies at a higher dividend rate than the regular share account.

* Terms ranging from 91 days to 5 years allow you greater flexibility & management of your funds
* Tiered accounts enable you to earn greater dividends with greater balances
* Dividends are calculated on a 365-day basis, compounded quarterly and paid on the last day of each quarter
* Balance tiers of $500, $10,000, $90,000
* All deposits federally insured up to at least $100,000 by the NCUA, a U.S. Government Agency

Minimum opening balance for certificates is $500.00. The rate contracted for Certificate Accounts remains in effect for the entire term of the account. The disclosed Annual Percentage Yield assumes principal and dividends paid quarterly remain on deposit until maturity. Monthly Dividends: The option of monthly certificate dividends by transfer to another account or by check is available. Minimum balances must be maintained each day to avoid account closure. A penalty may be imposed for withdrawals before maturity. If you make a withdrawal from your account, your earnings will be reduced.

SDMCU reserves the right to make changes any time without notice as a result of change in policy, law or regulation.

Contact Information:

email: memberservices@sdmcu.org

website: www.sdmcu.org

Phone:
Monday - Friday: 8 am - 6 pm
619.297.4835

24-hour automated phone service
(Local) 619.291.7101
(Toll Free) 800.829.1919

Best CD Rates Update - 4.50% at PenFed CU and Flagstar Bank

The top rate for CDs this week are at Flagstar Bank and Pentagon Federal Credit Union for 4 and 7-year certificates of deposit, respectively, paying 4.50%.

For shorter term, GMAC Bank has a 12-month CD with a 3.75% annual percentage rate.

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

The table below shows the best CD rates for other terms.

"Highest CD Rate Survey + Current US Treasury Rates"

Term	Date	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Daily Savings	1/7/09	2.23%	Vanguard Prime Money Market Fund
Tax Exempt	1/7/09	1.11%	Vanguard Tax Exempt Money Market Fund
Online Savings	1/7/09	2.60%	HSBC Bank 1.40% @ Wachovia Bank
3-Month Treasury	1/7/09	0.10%	US Treasury Rates at a glance
6 Months	1/7/09	3.25%	Imperial Capital Bank & 3.15% @ GMAC Bank
6-Month Treasury	1/7/09	0.28%	US Treasury Rates at a glance
9 Months	1/7/09	1.55%	Wachovia Bank
1 Year	1/7/09	3.75%	GMAC Bank
1 Year Treasury	1/7/09	0.39%	US Treasury Rates at a glance
18 Months	1/7/09	3.50%	GMAC Bank
2 Years	1/7/09	3.65%	GMAC Bank
2 Year Treasury	1/7/09	0.80%	US Treasury Rates at a glance
3 Years	1/7/09	3.70%	MetLife Bank
3-Yr Treasury	1/7/09	1.08%	US Treasury Rates at a glance
4 Years	1/7/09	4.50%	Flagstar Bank & 3.75% @ Allied First Bank
5 Years	1/7/09	4.01%	Flagstar Bank & 4.00% @ GMAC Bank
5 Yr Treasury	1/7/09	1.68%	US Treasury Rates at a glance
7 Years	1/7/09	4.50%	Pentagon Federal Credit Union
10 Yr Treasury	1/7/09	2.49%	US Treasury Rates at a glance
30 Yr Treasury	1/7/09	3.05%	US Treasury Rates at a glance

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

Trivia Answers CNBC Bonus Bucks Portfolio Challenge

CNBC's Million Dollar Portfolio Challenge is back. Trading started November 17th, 2008. Hours: Monday 6:00 a.m. to Friday 4:00 p.m. During the week, you can post your answers even after the market closes.

==>From Daily CNBC Bonus Bucks Trivia Answers<==

Daily Answers for
1/7/09:

Squawk Box question: According to the CNBC Stock Blog, which housing stock did strategist Ivy Zelman pan on Tuesday?

• Answer: none of the above

Squawk On The Street Question: In the edition of "Pros Say" entitled "Buck Up--And Buy Upgraded Stocks" who upped his rating on stocks to market weight?

• Answer:

Thanks for your support!

Bonus Bucks Trivia Answers - CNBC's Million Dollar Portfolio Challenge

CNBC's Million Dollar Portfolio Challenge is back. Trading started November 17th, 2008. Hours: Monday 6:00 a.m. to Friday 4:00 p.m. During the week, you can post your answers even after the market closes.

==>From Daily CNBC Bonus Bucks Trivia Answers<==

Daily Answers for
1/2/09:

Squawk Box question: In our "Famous Last Words" slideshow, what is Chris Dodd referring to?

• Answer: Fannie Mae

Squawk On The Street Question: On New Years Eve, Brent Wilsey told CNBC that which stock is in the "30% Club"?

• Answer: Cisco Systems

==> Very Best CD Rates with FDIC Survey <==

==> Weekly Challenge Question #7 Answer <==

==> Global Stock Market Charts at a Glance <==

==> US Treasury Rate Charts at a Glance <==

The Call Question: In our Web video collection, "Top Videos of 2008", which news story is not represented?

• Answer: Sarah Palin in the VP debate

Power Lunch Question: What investment does Nadav Baum consider in Part 2 of "Predictions '09" (Why You Shouldn't Run From Stocks)?

• Power Lunch Answer: Energy Select Sector SPDR

Inflation Protected US Government Bonds

==> 100% Safe US Government i-Bonds earn 5.64% <==

Street Signs Question: What is Ukraine's state-owned gas company named?

• Street Signs Answer: Naftogaz

Happy New Year Everyone!
Thanks for your support!

Closing Bell Question: Why did Jon Najarian say NetApps was the focus of "intense options action" on Wednesday?

• Closing Bell Answer : buyout scuttlebutt

Agency/GSE Offerings from Fidelity

Fidelity Fixed Income New Issues: Agency/GSE the week of 12/29/2008

Fidelity is pleased to announce this week?s New Issue Agency / GSE offerings:

Name  Coupon Maturity  Rating   CP?  Price
FFCB  2.000% 07/07/11 Aaa/AAA* No** 100.00
FHLMC 2.250% 01/20/12 Aaa/AAA* No** 100.00
FFCB  3.000% 01/02/14 Aaa/AAA* No** 100.00
FHLB  3.050% 01/16/14 Aaa/AAA* No** 100.00
FHLB  4.375% 01/16/19 Aaa/AAA* No** 100.00
FFCB  3.875% 12/29/15 Aaa/AAA* No** 100.00
FHLB  4.820% 01/08/24 Aaa/AAA* No** 100.00

FFCB = Federal Farm Credit Bank http://www.farmcredit-ffcb.com/
FNMA = Fannie Mae, The Federal National Mortgage Association http://www.fanniemae.com/
FHLMC = Freddie Mac, Federal Home Loan Mortgage Corporation. http://www.freddiemac.com/

*Moodys/S&P Ratings
** CP?: Call Protected "Yes" means the bond is not callable. Call Protected "No" means the bond is callable.

Please refer to http://www.fidelity.com/newissueagencies on Fidelity.com for more information or to place an order. Phone: (800) 544-5372.

Quantities of new issues are limited and orders will be filled on a first come first serve basis. Prices may fluctuate due to market conditions. See Fidelity web site for risk information.