Christian Community Credit Union CD Rates

Current CD rates and terms at Christian Community Credit Union.

==> Christian Community Credit Union Certificates<==
as of 11/15/10

	$1,000 minimum
Term	Rate	APY
6 - 11 Months	0.55%	0.55%
12 - 23 Months	0.85%	0.85%
24 - 35 Months	1.44%	1.45%
36 - 47 Months	1.83%	1.85%
48 - 59 Months	2.23%	2.25%
60 Months	2.62%	2.65%

Rates for $10,000 to $250,000 at Christian Community Credit Union.

WARNING! Christian Community Credit Union is privately insured by American Share Insurance up to $250,000 per account. The Credit Union is not federally insured, and if the Credit Union fails, the Federal Government does not guarantee that depositors will get back their money. Accounts with the Credit Union are not insured by any state government. We recommend banks and credit unions with FICA or NCUA insurance.

High Yield CDs

Highest Yielding CD Rates

The highest yield for CD we found in our "Highest Yield CD Rate Survey" is 3.00% at Discover Bank.

The highest yield for a CD with a 1-year term is 1.51% from Melrose Credit Union.

Current ING Direct CD Rates

The top rates at ING Direct Bank

==> " CD Rates at ING Direct Bank " as of 11/12/10 <==

ING Orange CD Rates

Term APY 6 Month 1.00% 9 Month 1.00% 12 Month 1.25% 18 Month 1.25% 24 Month 1.35% 30 Month 1.35% 36 Month 1.50% 48 Month 1.50% 60 Month 1.50%

==> " Online Savings Rate at ING Direct Bank " as of 11/12/10 <==
1.10% APY for $10,000

More information see:

• ING Direct CD Rates
• Contact Information
• Article: Beware of Annuities

Sun Trust Bank CD Rates

Current CD rates and terms at Sun Trust Bank

==> " CD Rates at Sun Trust Bank "
as of 11/10/10 web site <==

APY	Term
2.00%	63 Month CD and IRA CD
1.60%	49 Month CD and IRA CD
1.30%	39 Month CD and IRA CD
1.01%	32 Month CD and IRA CD
Call for current special offer rate	13 Month CD and IRA CD
0.35%	10 Month No Penalty CD

Minimum opening balance is $2,000. Maximum opening deposit is $1,000,000 per CD.

Sun Trust Bank

• Current CD Rates
• Contact Information
• Article: Beware of Annuities

The Golden 1 Credit Union CD Rates

Current CD rates and terms at The Golden 1 Credit Union

==> " The Golden 1 Credit Union Certificates " <==
as of 11/10/10

-Terms- APY $1,000.00-$9,999 APY $10,000.00-$24,999 3 Mo 6 Mo 12 Mo 18 Mo 24 Mo 36 Mo 48 Mo 60 Mo 0.35 % 0.40 % 0.60 % 0.65 % 1.05 % 1.50 % 1.80 % 2.15 % 0.35 % 0.40 % 0.60 % 0.65 % 1.10 % 1.50 % 1.85 % 2.15 %

All Member Accounts Insured Up To $250,000 By NCUA.

The Golden 1 CU

• Current CD Rates
• Contact Information
• Article: Beware of Annuities

State Employee Credit Union CD Rates

Current CD rates and terms at State Employee Credit Union.

==> " State Employee Credit Union Certificates " <==
as of 11/10/10

Fixed Rate	Opening Deposit	APY
6 Months	$250.00	1.25%
12 Months	$250.00	1.25%
18 Months	$250.00	1.50%
24 Months	$250.00	1.75%
30 Months	$250.00	1.75%
36 Months	$250.00	2.00%
48 Months	$250.00	2.25%
60 Months	$250.00	2.50%

All Member Accounts Insured Up To $250,000 By NCUA.

State Employee Credit Union

• Current CD Rates
• Contact Information
• Article: Beware of Annuities

Best CD Rates -Top 1, 2, 3, 5, 7 & 10-yr CD Rates

Best CD Rates - CD Rate Survey by Term

The top rate for a certificate of deposit (CD) this week is at Pentagon Federal Credit Union (fondly known as PenFed CU) where you can get a 7-year certificate that currently pays 3.49% APY.

For shorter terms, Melrose Credit Union has a 1-year CD with a 1.51% 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.

For Larger Text: If that table is hard to read, then try Very Best CD Rates.

Highest CD Rates Survey by Term as of November 9, 2010

Term	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Vanguard Daily	0.07%	Vanguard Prime Money Market Fund
Vanguard Tax Exempt	0.12%	Vanguard Tax Exempt Money Market Fund
FDIC Daily Savings	1.40%	Best Savings Account Rate Survey
6 Month CD	1.15%	Bank of Internet USA
1 Year CD	1.51%	Melrose CU
1 Yr US Treasury	0.21%	US Treasury Rate Quote
18 - Month CD	1.55%	MetLife Bank
2 Year CD	1.76%	Melrose CU & xx% @
3 Year CD	2.27%	Melrose CU
4 Year CD	2.52%	Melrose CU
5 Year CD	3.03%	Melrose CU
5 Yr US Treasury	1.18%	US Treasury Rate Quote
7 Year CD	3.49%	PenFed CU
10 Year CD	3.00%	Discover Bank
10 Yr US Treasury	2.60%	US Treasury Rate Quote

Vanguard Money Market & US Treasury Rates shown for Reference

Related Information:

• Historical CD Rate Graphs
  
  
• Historical Mortgage Rates
  
  
• World Stock Markets at a Glance
  
  
• Easy to Read Best CD Rate Survey

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

The one year US Treasury rate is currently 0.28%.

• Quotes: US Treasury Rate Quotes
  
  
• Graphs: US Treasury Rates at a Glance

MetLife Bank CD Rates

Current CD rates and terms at MetLife Bank

==> " CD Rates at MetLife Bank " as of 11/09/09 <== All rates are Annual Percentage Yield (APY*)

Term	$2,000- $14,999	$15,000- $24,999
3 Months	0.25%	0.65%
6 Months	0.40%	0.75%
9 Months	0.65%	0.95%
12 Months	1.00%	1.35%
18 Months	1.05%	1.40%
24 Months	1.05%	1.40%
36 Months	1.50%	1.75%
48 Months	1.50%	1.75%
60 Months	1.50%	1.75%

For $25,000 to $250,000, see MetLife Bank CD Rates

MetLife Bank:

• Current MetLife Bank CD Rates
  


• MetLife Bank contact Information


• Article: Beware of Annuities

Navy Federal Credit Union CD Rates

Current CD rates and terms at Navy Federal Credit Union.

==> " Navy Federal CU Money Market Certificates " <== as of Nov 3, 2010

Term	APY % $1,000 to $9,999	APY % $10,000 to $99,999	APY % $100,000 Min
1 yr	1.05	1.15	1.25
2 yrs	1.40	1.50	1.60
3 yrs	1.75	1.85	1.95
4 yrs	2.05	2.15	1.95
5 yrs	2.40	2.50	2.60
7 yrs	3.05	3.15	2.60

Navy Federal Credit Union:

• Current Navy Federal Credit Union CD Rates
  
  
• Navy Federal CU contact Information
  
  
• Article: Beware of Annuities

HSBC Bank CD Rates

From HSBC Bank CD Rates:

==> as of 10/24/10 web site <==

Online CD Rates

Term for 1,000 min APY 3 Months ** 0.05% 6 Months ** 0.10% 9 Months ** 0.10% 11 Months ** 0.10% 1 Year plus 1 day ** 0.70% 13 Months ** 0.70% 15 Month ** 0.70% 2 Years ** 0.70%

Branch Rates

Term for 1,000 min APY 3 to 6 Months less 1 day ** 0.05% 6 to 9 Months less 1 day ** 0.10% 9 to 12 Months exactly 1 year ** 0.10% 1 Year plus 1 day ** 0.35% 13 Months ** 0.35% 15 Month ** 0.35% 2-4 years less 1 day ** 0.40% 4-10 years less 1 day ** 0.95%

HSBC Bank

• Current HSBC CD Rates

• HSBC Bank contact Information

• Article: Beware of Annuities

Wells Fargo Bank CD Rates

From Wells Fargo Bank CD Rates:

Special CD Rates

CD Term APY Minimum 7 months (Renews for 6 month term) 0.20% $5,000 26 months (Renews for 24 month term) 0.50% $5,000 45 months (Renews for 36 month term) 1.15% $5,000 58 months (Renews for 48 month term) 1.65% $5,000

Standard Branch Rates

CD Term APY 3 months 0.10% 6 months 0.15% 1 Year 0.30% $2,500 Minimum

Wells Fargo Bank

• Current Wells Fargo Bank CD Rates
  
  
• Wells Fargo Bank contact Information
  
  
• Article: Beware of Annuities

BofA CD Rates - Bank of America CD Rates

From Bank of America CD Rates

==> " CD Rates at Bank of America - BofA " as of 10/24/10 web site <==

High Yield Promotional CD/IRA - 12 Month Term (Online Channel)

	Rate	APY
CD :	0.65	0.65
IRA :	0.65	0.65

Regular Standard CD/IRA Rates

Term	Rate/APY
7 - 29 Days	0.25/0.25
30 - 59 Days	0.25/0.25
60 - 89 Days	0.25/0.25
90 - 179 Days	0.28/0.28
180 - 364 Days	0.30/0.30
1 Year - 23 Month	0.45/0.45
2 Year - 35 Month	0.65/0.65
3 Year - 47 Month	1.00/1.01
4 Year - 59 Month	1.29/1.30
5 Year - 83 Month	1.39/1.40
7 - 10 Years	1.39/1.40

Minimum to Open:

• $15,000 Terms of 7 Days - 29 Days
  
• $1,000 Terms of 30 Days to 10 years

BofA:

• Current BofA CD Rates
  
  
• Bank of America contact Information

Citibank CD Rates

From Citibank CD Rates

Term for $10,000 to $99,999.99	APY	Interest Rate
3-month	0.20%	0.20%
4-month	0.20%	0.20%
5-month	0.30%	0.30%
6-month	0.30%	0.30%
7-month	0.50%	0.50%
8-month	0.30%	0.30%
9-month	0.40%	0.40%
10-month	0.50%	0.50%
12-month	0.55%	0.55%
Option CD	0.50%	0.50%
13-month	0.70%	0.70%
18-month	0.60%	0.60%
2-year	0.65%	0.65%
30-month	0.80%	0.80%
3-year	1.01%	1.00%
4-year	1.30%	1.29%
5-year	1.50%	1.49%

Citibank

* Current CD Rates

* contact Information

Chase Bank CD Rates

From Chase Bank CD Rates

$1,000 Minimum Opening Deposit

CD Term APY 6-Month 0.25% 12-Month 0.25% 18-Month 0.50% 24-Month 0.50% 36-Month 1.01%

$10,000 Minimum Opening Deposit

CD Term APY 9-Month 0.50% 13-Month 0.70% 24-Month 1.01% 30-Month 1.10% 48-Month 1.50% 60-Month 1.75%

Chase Bank

* Current CD Rates

* contact Information

Citizens Bank CD Rates

From Citizens Bank Best CD Rates with FDIC

==> " CD Rates at Citizens Bank " as of 10/16/10 website <==

Term and APY Standard competitive rates Circle higher rates Circle Gold highest rates 15 Months 0.20% 0.45% 0.70% 2 Years 0.70% 0.95% 1.20% 3 Years 0.75% 1.00% 1.25% 5 Years 0.80% 1.05% 1.30%

Minimum Balance to Open: $1,000 for all CDs & $250 for IRA CDs.

Citizens Bank

• Current CD Rates
  
  
• contact Information

5 Year CD Rates

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 5 year CD paying 3.03% APY with FDIC insurance from Melrose Credit Union.

From our March 12, 2009 article, the best 5-yr CD was 4.00% from Pentagon Federal CU.

The 5 year Treasury Bond is only paying 1.22%. 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.)

Term	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
6 Month CD	1.16%	Aurora Bank
1 Year CD	1.51%	Melrose CU & 1.49%@ Bank of Internet
1 Yr US Treasury	0.23%	US Treasury Rate Quote
18 - Month CD	1.55%	Aurora Bank
2 Year CD	1.76%	Melrose CU & 1.72% @ Aurora Bank
3 Year CD	2.27%	Melrose CU
4 Year CD	2.52%	Melrose CU
5 Year CD	3.03%	Melrose CU
5 Yr US Treasury	1.22%	US Treasury Rate Quote
7 Year CD	3.49%	PenFed CU
10 Year CD	3.00%	Discover Bank
10 Yr US Treasury	2.47%	US Treasury Rate Quote

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