BANK-CD RATE SCANNER/Bank CD Rates

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Bank Savings Account Rates List

Today's Highest FDIC-insured Rates

High Interest 1 Yr CD Rates

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Bank

Date

Rate

APY

Minimum Deposit

Aurora Bank, FSB

Wilmington, DE

11/03/09

1.99

2.01

$1,000

Flagstar Direct

Troy, MI

11/03/09

1.99

2.00

$500

Ally Bank

Midvale, UT

11/03/09

1.93

1.95

Discover Bank

New Castle, DE

11/03/09

1.88

1.90

$2,500

BankDirect
Click here for telephone number

Dallas, TX

11/03/09

1.10

1.11

$10,000

Capital One Direct Banking

Glen Allen, VA

11/03/09

0.50

$5,000

UmbrellaBank.com

Birmingham, AL

11/03/09

2.08

2.10

$1,000

Bank of Internet USA

San Diego, CA

11/03/09

2.00

2.02

$1,000

State Bank of India

New York, NY

11/03/09

2.00

2.02

$5,000

Ascencia, a div. of PBI Bank

Louisville, KY

11/03/09

1.98

2.00

$500

newdominionDIRECT.com

Charlotte, NC

11/03/09

1.98

2.00

$3,000

Colorado Federal Savings Bank

Greenwood Village, CO

11/03/09

1.98

2.00

$5,000

AIG Bank

Wilmington, DE

11/03/09

1.89

1.91

$2,500

giantbank.com

Ft. Lauderdale, FL

11/03/09

1.84

1.86

$2,500

Nexity Bank

Birmingham, AL

11/03/09

1.81

1.83

$1,000

E-LOAN

Pleasanton, CA

11/03/09

1.79

1.81

$10,000

Lone Star Bank

Houston, TX

11/03/09

1.78

1.80

$1,000

Imperial Capital Bank

LaJolla, CA

11/03/09

1.74

1.75

$2,000

VirtualBank

Palm Beach Gardens, FL

11/03/09

1.70

1.71

$10,000

National Bank of Kansas City

Overland Park, KS

11/03/09

1.69

1.70

$10,000

OneWest Bank, FSB

Pasadena, CA
NR

11/03/09

1.69

1.70

$5,000

Stonebridge Bank

Exton, PA

11/03/09

1.64

1.65

$500

NOVA Bank

Philadelphia, PA

11/03/09

1.64

1.65

$500

Intervest National Bank

New York, NY

11/03/09

1.64

1.65

$2,500

Goldwater Bank

Scottsdale, AZ

11/03/09

1.64

$50,000

Centennial Bk

Fountain Valley, CA

11/03/09

1.60

1.61

$10,000

First NB of Baldwin County

Foley, AL

11/03/09

1.50

$500

California First National Bank

Irvine, CA

11/03/09

1.49

1.50

$5,000

State Farm Bank

Bloomington, IL

11/03/09

1.33

1.34

$500

American Bank

Allentown, PA

11/03/09

1.29

1.30

$500

Waterfield Bank

Bethesda, MD

11/03/09

1.29

1.30

$1,000

Heritage Bank

Willmar, MN

11/03/09

1.25

$1,000

UFBDirect.com

Irvine, CA

11/03/09

1.24

1.25

$8,000

Wedbush Bank

Los Angeles, CA

11/03/09

1.20

1.21

$2,500

First Century Bank, N.A.

Gainesville, GA

11/02/09

2.03

2.05

$10,000

Pacific Mercantile Bank

Costa Mesa, CA

11/02/09

1.99

2.01

$10,000

Excel National Bank

Beverly Hills, CA

11/02/09

1.73

1.74

$10,000

AmtrustDirect.com

Cleveland, OH

11/02/09

1.69

1.70

$1,000

Metropolitan National Bank

New York, NY

11/02/09

1.50

$2,500

First Internet Bank of Indiana

Indianapolis, IN

11/02/09

1.24

1.25

$1,000

MetLife Bank

Bridgewater, NJ

10/30/09

1.98

2.00

$25,000

Transportation Alliance Bank

Ogden, UT

10/30/09

1.39

1.40

$1,000

Heritage Bank, N.A.

Phoenix, AZ

10/27/09

1.72

1.74

$5,000

Contacting Institutions
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For an explanation of savings terms, click here. These rates are updated weekly. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

More rates from BankCD.com

Certificates of Deposit
mo = months
yr = years

Term	APY	Notes*	Minimum	Bank
1-mo	1.25	p	$50,000	Country Bk
1-mo	1.11	p	$175,000	USAA
1-mo	1.05	b,p	$8,000	UFB Direct
1-mo	1.01	p	$1,000	Nexity Bk
1-mo	1.00	b,i,p	$1,000	Champion Bk
1-mo	0.85	p	$95,000	USAA
1-mo	0.76	b,p	$1,000	Beal Bk
1-mo	0.76	b,p	$1,000	Beal Bk Nevada
1-mo	0.75	p	$1,000	OneWest Bk 800-669-2300
2-mo	1.25	p	$50,000	Country Bk
2-mo	0.76	b,p	$1,000	Beal Bk
2-mo	0.76	b,p	$1,000	Beal Bk Nevada
2-mo	0.75	b,p	$1,000	Presidential Bk
2-mo	0.75	b,p	$8,000	UFB Direct
2-mo	0.55	p	$10,000	VirtualBank
2-mo	0.51	i,p	$100,000	Astoria Fed
3-mo	1.90	b,i,p,u	$20,000	Please check Note "u" below
4-mo	1.29	p	$175,000	USAA
4-mo	1.15	p	$1,000	OneWest Bk 800-669-2300
5-mo	1.50	p	$500	Country Bk
5-mo	1.37	p	$175,000	USAA
5-mo	1.15	b,i,p	$500	Earthstar Bk
5-mo	1.15	i	$1,000	OneWest Bk
5-mo	1.15	p	$1,000	OneWest Bk 800-669-2300
6-mo	2.11	b,i,p,u	$20,000	Please check Note "u" below
7-mo	1.55	i	$1,000	OneWest Bk
7-mo	1.55	p	$1,000	OneWest Bk 800-669-2300
7-mo	1.50	p	$5,000	Grand Yield Direct
7-mo	1.46	p	$175,000	USAA
7-mo	1.31	i,p	$1,000	Principal Bk
8-mo	1.55	p	$5,000	BankUnited
8-mo	1.20	i,p	$1,000	Capitol Fed
9-mo	2.00	b,i,n,p	$500	DCU
9-mo	1.85	i,p	$100,000	MetLife Bk
9-mo	1.67	p	$1,000	Nexity Bk
9-mo	1.67	p	$3,000	NewDominion
9-mo	1.66	p	$1,000	Umbrellabank
9-mo	1.65	i	$100	Acacia Fed Bk
9-mo	1.65	b,p	$500	Acacia Fed Bk
9-mo	1.65	g3,p	$10,000	FirstFedDirect
9-mo	1.63	p	$175,000	USAA
9-mo	1.60	i	$1,000	OneWest Bk
9-mo	1.60	p	$1,000	OneWest Bk 800-669-2300
9-mo	1.60	p	$2,000	Imperial Capital
9-mo	1.56	p	$2,500	GiantBank
9-mo	1.50	p	$500	Country Bk
9-mo	1.50	p	$1,000	AmTrust Direct
9-mo	1.50	p,r3	$10,000	Salem Five
9-mo	1.45	p	$0	Ally Bk
10-mo	1.75	i	$100	Acacia Fed Bk
10-mo	1.75	b,p	$500	Acacia Fed Bk
10-mo	1.60	p	$1,000	OneWest Bk 800-669-2300
10-mo	1.50	p	$5,000	OneWest Bk
10-mo	1.30	i,p	$1,000	Capitol Fed
11-mo	1.75	p	$500	Country Bk
11-mo	1.60	i	$1,000	OneWest Bk
11-mo	1.60	p	$1,000	OneWest Bk 800-669-2300
13-mo	2.00	i,p	$500	K Bk
14-mo	2.15	b,p	$5,000	Hillcrest Bk
14-mo	1.75	i,p	$1,000	Capitol Fed
14-mo	1.61	i,p	$1,000	Principal Bk
15-mo	2.25	p	$175,000	USAA
15-mo	2.00	p	$500	Country Bk
15-mo	2.00	p	$95,000	USAA
15-mo	1.50	i,p	$500	Astoria Fed
15-mo	1.45	i,p	$250	Middlesex Bk
16-mo	2.25	p,r17	$1,000	Dollar Savings Direct 866-395-8693
16-mo	2.00	p,r7	$1,000	Emigrant 800-836-1997
1.5-yr	2.53	i	$7,500	Pacific Mercantile
1.5-yr	2.36	p	$175,000	USAA
1.5-yr	2.25	i	$500	Charter Bk
1.5-yr	2.15	i,p	$50,000	MetLife Bk
1.5-yr	2.10	b,i,p	$1,000	Champion Bk
1.5-yr	2.10	p	$1,000	Umbrellabank
1.5-yr	2.10	b,p	$10,000	Pacific Mercantile
1.5-yr	2.09	p	$3,000	NewDominion
1.5-yr	2.05	i,p	$1,000	Aurora Bk
1.5-yr	2.05	p	$1	American Express Bk
1.5-yr	2.05	b,p	$1,000	Hillcrest Bk
1.5-yr	2.05	b,p	$1,000	New South Fed
1.5-yr	2.02	p	$1,000	Bk of Internet
1.5-yr	2.02	b,i,p	$1,000	ISN Bk
1.5-yr	2.00	p	$500	Flagstar Bk
1.5-yr	2.00	p	$500	NY Comm Bk
1.5-yr	2.00	p	$2,000	Imperial Capital
1.5-yr	2.00	b,p	$5,000	Appalachian Comm Bk
1.5-yr	2.00	b,i,n,p	$5,000	NASA CU
1.5-yr	1.96	i,p	$2,500	AIG Bk
1.5-yr	1.95	p	$0	Ally Bk
19-mo	2.10	i,p	$500	K Bk
19-mo	2.00	i,p	$1,000	Capitol Fed
20-mo	2.35	b,p	$5,000	Hillcrest Bk
25-mo	2.15	i,p	$500	K Bk
27-mo	2.20	i,p	$1,000	Capitol Fed
28-mo	2.00	i,r3	$2,000	Wachovia
28-mo	2.00	p,r3	$5,000	Wachovia
2.5-yr	2.68	p	$175,000	USAA
2.5-yr	2.50	i,p	$500	Astoria Fed
2.5-yr	2.43	p	$95,000	USAA
2.5-yr	2.38	p	$1,000	USAA
2.5-yr	2.36	p	$3,000	NewDominion
2.5-yr	2.35	i,p	$1,000	Capitol Fed
2.5-yr	2.33	b,i,p	$1,000	ISN Bk
2.5-yr	2.30	i	$100	Acacia Fed Bk
2.5-yr	2.30	b,p	$500	Acacia Fed Bk
2.5-yr	2.30	b,p	$2,500	Intervest Nat Bk
2.5-yr	2.25	b,p	$1,000	New South Fed
2.5-yr	2.25	b,i,p	$1,500	Everbank
2.5-yr	2.25	i,p	$2,500	Discover Bk
2.5-yr	2.20	b,i,p	$1,000	Champion Bk
2.5-yr	2.20	p	$1,000	Umbrellabank
3.5-yr	2.50	i,p	$500	Astoria Fed
3.5-yr	2.41	i	$1	Luana Sav Bk
3.5-yr	2.26	b,p	$100,000	Luana Sav Bk
4-yr	3.34	i,n,r9	$4,000	Melrose CU
4-yr	3.34	b,n,p,r9	$5,000	Melrose CU
4-yr	3.15	p	$5,000	BankUnited
4-yr	3.15	i,p	$175,000	USAA
4-yr	3.01	p	$3,000	NewDominion
4-yr	3.00	i	$100	Acacia Fed Bk
4-yr	3.00	b,p	$500	Acacia Fed Bk
4-yr	3.00	b,i,p	$500	Allied 1st
4-yr	3.00	i	$1,000	Intervest Nat Bk
4-yr	3.00	p	$1,000	OneWest Bk 800-669-2300
4-yr	3.00	b,p	$2,500	Intervest Nat Bk
4-yr	2.99	p	$500	Flagstar Bk
4-yr	2.95	b,p	$5,000	Capital One
4-yr	2.90	p	$1	American Express Bk
4-yr	2.90	b,i,p	$1,000	1st Internet Bk
4-yr	2.90	b,p	$10,000	Nat Bk of Kansas City
4-yr	2.90	i,p	$95,000	USAA
4-yr	2.89	p	$10,000	VirtualBank
4-yr	2.87	p	$10,000	Eloan
4-yr	2.84	b,i,n,p	$500	Self-Help CU
4-yr	2.80	p	$0	Ally Bk
4-yr	2.80	p	$1,000	iGObanking
4-yr	2.76	i,p	$1,000	Aurora Bk
55-mo	3.15	b,i,n,p	$5,000	NASA CU
6-yr	3.29	i	$1,000	Intervest Nat Bk
6-yr	3.29	b,p	$2,500	Intervest Nat Bk
6-yr	3.25	i	$100	3rd Fed S&L
6-yr	3.25	b,p	$500	3rd Fed S&L
7-yr	4.00	i,n,p	$1,000	Pentagon Fed CU
7-yr	3.92	i,p	$175,000	USAA
7-yr	3.66	i,p	$95,000	USAA
7-yr	3.61	i	$250	USAA
7-yr	3.61	p	$1,000	USAA
7-yr	3.45	i,p	$2,500	Discover Bk
7-yr	3.31	i	$1,000	Intervest Nat Bk
7-yr	3.31	b,p	$2,500	Intervest Nat Bk
8-yr	3.33	i	$1,000	Intervest Nat Bk
8-yr	3.33	b,p	$2,500	Intervest Nat Bk
9-yr	3.35	i	$1,000	Intervest Nat Bk
9-yr	3.35	b,p	$2,500	Intervest Nat Bk
10-yr	3.70	i,p	$2,500	Discover Bk
10-yr	3.39	b,i,p	$95,000	Intervest Nat Bk
10-yr	3.37	i	$1,000	Intervest Nat Bk
10-yr	3.37	b,p	$2,500	Intervest Nat Bk
10-yr	2.50	c1,i,p	$20,000	Astoria Fed
10-yr	2.40	b,p	$5,000	Capital One

*Notes: Example, "b,i,p" means that the account can be opened as a Business account, or an IRA, or a regular Personal account.

a18: Maximum age is 18.
a21: Maximum age is 21.
a23: Maximum age is 23.
a40: Minimum age is 40.
a50: Minimum age is 50.
a55: Minimum age is 55.
b: Business account.
c0: Callable; can be redeemed by the bank after 6 months.
c1: Callable; can be redeemed by the bank after 1 year.
c2: Callable; can be redeemed by the bank after 2 years.
e: Rate guaranteed until specific date.
f: Variable rate.
g3: Not available in CA.
i: IRA.
k: Brokered; issued by an FDIC-insured bank and sold by a brokerage.
l: Limited availability. Often stop accepting funds.
m0: Maximum $1,000.
m1: Maximum $10,000.
m3: Maximum $25,000.
m4: Maximum $30,000.
m5: Maximum $35,000.
m6: Maximum $50,000.
m7: Maximum $70,000.
m8: Maximum $100/month deposit, $0 initial deposit. Up to 5 accounts/customer.
n: NCUA insured. Anybody can join (unless Note "o" is indicated).
o: Military and their family only.
p: Personal account.
r0: Requires $1 checking account.
r1: Requires one monthly direct deposit or ACH auto debit and 10 debit card transactions.
r2: Requires $200/month direct deposit.
r3: Requires $100 checking account.
r4: Requires $50 checking account.
r5: Requires $25 checking account.
r6: Requires 10 monthly debit card transactions.
r7: Requires $1 savings account.
r8: Requires $25 checking account with one monthly direct deposit and debit card transaction.
r9: Requires $25 savings account.
r10: Never had mortgage. One monthly direct deposit. Others (please check with institution).
r11: Requires one monthly direct deposit or ACH auto debit, one online bill payment and 12 debit card transactions.
r12: Requires one monthly direct deposit or bill payment.
r13: Requires $100/month deposit.
r14: Requires $5,000 checking account ($50 and one direct deposit/month if over 50 years old also available).
r15: Requires one monthly direct deposit or ACH auto debit and 1 debit card transaction.
r16: Requires one monthly automatic deposit, one online bill payment and 15 debit card purchases.
r17: Requires $1,000 savings account.
r18: Requires $1,500 checking account.
u: Everbank. Combination of four foreign currencies. FDIC-insured.

Information subject to change; deemed reliable but not guaranteed. Please verify with the financial institution before depositing and notify us of discrepancies immediately.