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!!!!

10-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 10 year CD paying 3.00% APY with FDIC insurance from Discover Bank.

From our March 12, 2009 article, this 10-yr CD from Discover Bank paid 2.89% last year.

The 10 year Treasury Bond is only paying 2.47%. 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!!!!

Heritage Bank CD Rates

Current Certificate of Deposit (CD) rates and terms at Heritage Bank.

From Heritage Bank CD Rates:

==> " CD Rates at Heritage Bank " as of 10/04/10 <==

	Minimum Balance To Open the Account and To Obtain the Stated APY
	$1,000		$10,000		$50,000		$75,000
Term	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY
91 Day	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%
182 Day	0.25%	0.25%	0.25%	0.25%	0.25%	0.25%	0.25%	0.25%
12 Month		0.40%		0.40%		0.40%		0.40%
24 Month		0.75%		0.75%		0.75%		0.75%
36 Month		1.30%		1.40%		1.50%		1.50%
48 Month		1.60%		1.70%		1.80%		1.80%
60 Month		1.90%		2.00%		2.10%		2.10%

Current Certificate of Deposit (CD) rates and terms at Sallie Mae Bank. You can often get higher than advertised rates at your local Sallie Mae Bank branch if you do your homework. Print out our "Highest CD Rate Survey" and bring it in with you. Print out some of the rates advertised on web sites competing with Sallie Mae Bank so you have proof.

Heritage Bank contact Information

==> CD Rates at Largest US Banks <==

Article: Beware of Annuities

US Treasury Auction Schedule

Below is the tentative US Treasury Auction Schedule for October 2010.

Auction Schedule - US Treasury Bills, Notes & Bonds

Security Type	Auction Date	Settlement Date
13-Week BILL Thursday	October 04	October 07, 2010
26-Week BILL Thursday	October 04	October 07, 2010
4-Week BILL Monday	October 05	October 07, 2010
13-Week BILL Thursday	October 12	October 14, 2010
26-Week BILL Thursday	October 12	October 14, 2010
3-Year NOTE Thursday	October 12	October 15, 2010
10-Year NOTE R Thursday	October 13	October 15, 2010
30-Year BOND R Thursday	October 14	October 15, 2010
Holiday - Monday		,
4-Week BILL Tuesday	October 13	October 14, 2010
13-Week BILL Thursday	October 18	October 21, 2010
26-Week BILL Thursday	October 18	October 21, 2010
52-Week BILL Thursday	October 19	October 21, 2010
4-Week BILL Monday	October 19	October 21, 2010
13-Week BILL Thursday	October 25	October 28, 2010
26-Week BILL Thursday	October 25	October 28, 2010
5-Year TIPS R T Thursday	October 25	October 29, 2010

For current US Treasury rates, see

• US Treasury Rates at a glance
  
• US Treasury Rate Quotes