Best CD Rate Survey Lowest Rates for December 2012

Best CD Rates Survey

The top rate for a CDs this week is 2.70% at Security Service CU.  The best 1-YR CD is 1.11% at AloStar Bank. (Clicks links for details)
 
The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.

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

Highest CD Rates Survey"  (for a $10,000 Certificate of Deposit)

Term	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Vanguard Daily	0.03%	Vanguard Prime Money Market Fund
Vanguard Tax Exempt	0.02%	Vanguard Tax Exempt Money Market Fund
FDIC Daily Savings	1.01%	Best Savings Account Rate Survey
6 Month CD	0.91%	Doral Bank
6 Mo US Treasury	0.14%	US Treasury Rate Quotes
US Treasury Series I Bonds For the next 6 months	1.76%	Rate is fixed for 6 months after purchase Current iBond Rates & I- Bonds Explained
1 Year CD	1.11%	AloStar Bank & 1.05% @ AbleBanking
1 Yr US Treasury	0.18%	US Treasury Rate Quote
2 Year CD	1.50%	PenFed CU & 1.30% @  NexBank
3 Year CD	1.75%	PenFed CU
5 Year CD	1.80%	Nationwide Bank, PenFed CU &  CIT Bank
5 Yr US Treasury	0.63%	US Treasury Rate Quote
7 Year CD	2.70%	Security Service CU
10 Year CD	2.00%	Discover Bank
10 Yr US Treasury	1.64%	US Treasury Rate Quote
30 Yr US Treasury	2.81%	US Treasury Rate Quote

 Vanguard Money Market & US Treasury Rates shown for Reference

• 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.

Bank of Baroda CD Interest Rates

Current Certificate of Deposit (CD) rates and terms at Bank of Baroda. You can often get higher than advertised rates at your local Bank of Baroda 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 Bank of Baroda so you have proof.            

 Bank of Baroda contact Information 

==>CD Rates at Bank of Baroda " as of 11/24/12  <== 

Term	Maturity Date	Rate
4 months	03/01/2013	0.400
6 months	05/30/2013	0.500
1 Year	11/29/2013	0.600

Current Bank of Baroda CD Rates

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

BofA CD Rates Interest Rates at Bank of America

Current Certificate of Deposit (CD) rates and terms at Bank of America - BofA. You can often get higher than advertised rates at your local Bank of America 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 Bank of America so you have proof.  

Bank of America contact Information

Featured CD/IRA - 12 Month Term (Online Channel)
	Rate(%)	APY(%)
CD   :	0.25	0.25
IRA  :	0.25	0.25

Regular CD Rates as of Nov 8, 2012 Web Site:

Term	APY %
07 - 27 Days	0.05
28 - 89 Days	0.08
90 - 179 Days	0.08
06 - 11 Months	0.10
12 - 17 Months	0.20
18 - 23 Months	0.25
24 - 35 Months	0.35
36 - 47 Months	0.40
48 - 59 Months	0.45
60 - 119 Months	0.65
120 Months	0.65

Current Bank of America CD Rates

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

HSBC Bank CD Rates

Current Certificate of Deposit (CD) rates and terms at HSBC Bank. You can often get higher than advertised rates at your local HSBC 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 HSBC Bank so you have proof.               

These rate are all TOO LOW!!!
 HSBC Bank contact Information

We recommend these CDs

==> " CD Rates at HSBC Bank " as of 11/8/12 web site <== 

Online CD Rates

Term for 1,000 min	APY
6 Months **	0.10%
9 Months **	0.10%
12 Months **	0.20%
18 Months **	0.20%
24 Months **	0.35%
30 Months **	0.35%
36 Months **	0.35%
48 Months **	0.80%

Branch Rates

Term for 1,000 min	APY
3 to 5.99 Months**	0.01%
4 Months **	0.01%
6 to 9 Months **	0.05%
7 Months **	0.05%
8 Months **	0.05%
9 to 11.99 Months  **	0.05%
11 Months **	0.05%
1 Year plus 1 day **	0.05%
13 Months **	0.05%
15 Month **	0.05%
2-4 years less 1 day **	0.15%
4-10 years less 1 day **	0.55%

Current  HSBC Bank CD Rates  

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

Wells Fargo Bank CD Rates

Current Certificate of Deposit (CD) rates and terms at Wells Fargo Bank. You can often get higher than advertised rates at your local Wells Fargo 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 Wells Fargo Bank so you have proof.

==> " California CD Rates at Wells Fargo Bank " 11/8/12 web site Data <==
California Rates

 Wells Fargo Contact Info

Special CD Rates CD Term APY 11 months (Renews for 6) 0.15% 26 months (Renews for 24) 0.30% 39 months (Renews for 36) 0.45% 58 months (Renews for 48) 0.70% $5,000 Min

Standard CD Rates CD Term APY 3 months 0.05% 6 months 0.05% 1 Year 0.05% $2,500 Min US Treasury Rates at a Glance

 Current Wells Fargo Bank CD Rates

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

Citibank CD Rates

Current Certificate of Deposit (CD) rates and terms at CitiBank. You can often get higher than advertised rates at your local Citi 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 CitiBank so you have proof.            

==> "Citibank CD Rates" as of 11/8/12 web site for CA <==

Citibank Contact Info

 

Term for $10,000 to $24,999.99	APY	Interest Rate
3-month	0.15%	0.15%
4-month	0.15%	0.15%
5-month	0.15%	0.15%
6-month	0.15%	0.15%
7-month	0.15%	0.15%
8-month	0.15%	0.15%
9-month	0.20%	0.20%
10-month	0.20%	0.20%
12-month	0.25%	0.25%
Option CD	0.10%	0.10%
13-month	0.25%	0.25%
18-month	0.25%	0.25%
2-year	0.30%	0.30%
30-month	0.35%	0.35%
3-year	0.40%	0.40%
4-year	0.45%	0.45%
5-year	0.75%	0.75%

            

Current Citibank CD Rates

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

Chase Bank CD Rates

Current CD rates and terms at Chase Back. You can often get higher than advertised rates at your local JP Morgan Chase 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 JP Morgan Chase so you have proof.    


    ==> " CD Rates at JP Morgan Chase" as of 11/8/12 web site <== 

CD Term APY 6-Month 0.15% 12-Month 0.25% 18-Month 0.30% 24-Month 0.30% 36-Month 0.35%

CD Term APY 9-Month 0.25% 13-Month 0.30% 36-Month 0.50% 60-Month 0.65% 120-Month 1.01%

 

Current CD Rates at Chase Bank

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

BBCN Bank CD Rates

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

You can often get higher than advertised rates at your local BBCN 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 BBCN Bank so you have proof.                     

 
 ==> CD Rates at BBCN Bank as of  11/7/12 Newspaper Advertisement <==

BBCN Term	Interest Rate APY*
12 Months	1.00%

$1,000 min deposit

 Current BBCN Bank CD Rates.

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities

About BBCN Bank:   "Redefining Asian American Community Banking"  "Headquartered in Los Angeles, for more than 26 years BBCN Bank has been serving the largest Korean community outside of Korea, as well as a diverse mix of customers in 40 full-service branches throughout California, New York, New Jersey, Washington and Illinois, along with five loan production offices in Seattle, Denver, Dallas, and Atlanta and Northern California."   BBCN, as of Nov 2012, claims more than $5 billion in assets and $4 billion in deposits.

Valley National Bank CD Rates

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

You can often get higher than advertised rates at your local Valley National Bank branch if you do your homework. Print out our "Highest CD Rate Survey" and bring it in with you.  Ask them to match it.  They may match or come close as a way to get new funds into the branch.

Print out some of the rates advertised on web sites competing with Fremont Bank so you have proof.  

 ==> " CD Rates at Valley National Bank " as of  10/12/12  website <==

Term	APY %
6 Months	0.20
9 Months	0.25
12 Months	0.25
18 Months	0.35
24 Months	0.45
30 Months	0.55
36 Months	0.56
48 Months	0.57
60 Months	0.65
72 Months	0.66

 $500 min balance to open CD

 Current Valley National Bank CD Rates.

Top Rate Surveys:

• CD Rates at Largest US Banks
  
• Best Savings Account Rate Survey
  
• Highest CD Rate Survey by Term
  
  
• Make sure you read the article: Beware of Annuities