Best 1-Year CD Rates; Top Five

These are the top one year CD rates available in the US for banks with FDIC insurance.

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

Bank Name	DATE m/dd	RATE %	APY %	MIN. DEPOSIT
Corus Bank	3/27	2.77	2.81	10,000
UmbrellaBank.com	3/27	2.71	2.75	1,000
State Bank of India	3/27	2.70	2.73	5,000
GMAC Bank	3/27	2.62	2.65	500
UFBDirect.com	3/27	2.62	2.65	8,000

Data from bankrate.com

Star One Credit Union: Earn $25, up to 50% on a $50 Deposit!

Star One Credit Union in California's Santa Clara County has a special promotion for new members. Not only do members get great rates, they can also earn $25 to open a new account for as little as $50! with the attached coupon.

You can click on this coupon picture for a full size image
then print it out
or
download it in PDF to print later

Why does Star One CU pay you up to 50% on a $50 deposit? They figure that once you visit them, you will be impressed with the great rates Star One Credit Union offers on new accounts. I know I was and feel good recommending them.

I went there yesterday to open a new account. I opened a savings account that pays a 2.40% APY, a 1-yr CD that also pays a 2.40% APY and when I saw their checking account, with no strings, offered 0.50% on any balance, I opened a checking account also.

Star One CU: Current rates and terms

Four Star One CU Branches

10991 North DeAnza Boulevard Cupertino , CA 95014 (866) 543-5202 or (408) 543-5202	3903 El Camino Real Palo Alto , CA 94306 (866) 543-5202 or (408) 543-5202
1090 Blossom Hill Road San Jose , CA 95123 (866) 543-5202 or (408) 543-5202	1080 Enterprise Way Sunnyvale , CA 94089 (866) 543-5202 or (408) 543-5202

10-Year CDs with FDIC Insurance

You can often get higher than advertised rates at your local branch if you do your homework. Print out the "Highest CD Rate Survey" and bring it in with you.

You can get 10 year CD paying 3.50% APY with FDIC insurance from Discover Bank.

The 10 year Treasury Bond is only paying 2.89%. See "US Treasury Rates at a Glance" for current US Treasury rates.

Current Best CD Rate Survey by Term

If you want to negotiate for better rates at your local bank, then print out some of the advertisements showing rates advertised on your bank's competing web sites so you have proof. (Make sure the date shows on your printout so they know it is current.)

Rates and terms may change so read the fine print and make sure you get FDIC insurance!!!!

Highest CD Rate Survey + Current US Treasury Rates"

Term	Date	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Daily Savings	3/11/09	0.91%	Vanguard Prime Money Market Fund
Tax Exempt	3/11/09	0.68%	Vanguard Tax Exempt Money Market Fund
Online Savings	3/11/09	2.65%	GMAC Bank & 2.40% @ Star One CU
3-Month Treasury	3/11/09	0.22%	US Treasury Rates at a glance
6 Months	3/11/09	2.50%	GMAC Bank
6-Month Treasury	3/11/09	0.45%	US Treasury Rates at a glance
9 Months	3/11/09	2.50%	GMAC Bank
1 Year	3/11/09	2.95%	GMAC Bank 2.90% @ UFBDirect.com
1 Year Treasury	3/11/09	0.69%	US Treasury Rates at a glance
18 Months	3/11/09	2.95%	UmbrellaBank & 2.90% @ Intervest Bank
2 Years	3/11/09	3.00%	GMAC Bank & 2.95% @ UmbrellaBank
2 Year Treasury	3/11/09	1.00%	US Treasury Rates at a glance
3 Years	3/11/09	3.50%	Pentagon Federal CU
3-Yr Treasury	3/11/09	1.42%	US Treasury Rates at a glance
4 Years	3/11/09	3.75%	PenFed Credit Union
5 Years	3/11/09	4.00%	Pentagon Federal CU
5 Yr Treasury	3/11/09	1.93%	US Treasury Rates at a glance
7 Years	3/11/09	4.00%	Pentagon Federal CU & 3.50% @ Discover Bank
10 Yr Treasury	3/11/09	2.89%	US Treasury Rates at a glance
10 Years	3/11/09	3.50%	Discover Bank
30 Yr Treasury	3/11/09	3.64%	US Treasury Rates at a glance

More information:

• Contact and more info for Discover Bank
  
  
• US Treasury Rates at a Glance

Agency/GSE Offerings from Fidelity

Fidelity Fixed Income New Issues: Agency/GSE the week of 03/09/2009

US Treasury Rates at a Glance

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

Name Coupon Maturity  Rating  CP? Price
FFCB  3.07% 03/24/13 Aaa/AAA* No** 100.00
FHLB  3.00% 03/24/13 Aaa/AAA* No** 100.00
FHLB  3.25% 03/18/14 Aaa/AAA* No** 100.00
FFCB  3.45% 03/24/14 Aaa/AAA* No** 100.00
FHLMC 3.55% 04/07/14 Aaa/AAA* No** 100.00
FHLB  4.00% 03/16/14 Aaa/AAA* No** 100.00
FNMA   STEP 02/26/19 Aaa/AAA* No** 100.00
FFCB  4.50% 03/18/19 Aaa/AAA* No** 100.00
FFCB  4.84% 03/12/24 Aaa/AAA* No** 100.00
FHLMC 5.25% 03/26/24 Aaa/AAA* No** 100.00
FHLMC  ZERO 03/02/35 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.

• US Treasury Rates at a Glance

• LIBOR Rates at a Glance

Wachovia Bank CD and Savings Rates

Today's rates from Wachovia Bank:

==> " CD Rates at Wachovia Bank " as of 3/4/09 <==

Term Rate APY

9 Month CD 1.39% 1.40% $5,000 Min
17 Month CD 1.98% 2.00% $5,000 Min

High Performance Money Market Account

Balance Tier	Interest Rate	APY
$0.00-$4,999.00	0.04%	0.04%
$5,000.00-$9,999.00	0.10%	0.10%
$10,000.00-$24,999.00	0.20%	0.20%
$25,000.00-$49,999.00	0.54%	0.54%
$50,000.00-$99,999.00	0.74%	0.74%
$100,000.00-$249,999.00	0.90%	0.90%
$250,000.00+	1.00%	1.01%

More at Wachovia Bank Best CD Rates