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High Interest 1 Yr CD Rates

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Bank
Date
Rate
CM
APY
Minimum Deposit


Midvale, UT
09/02/101.43D1.44$0


Wilmington, DE
09/02/101.42D1.43$1,000


Palm Beach Gardens, FL
09/02/101.40D1.41$10,000
newdominionDIRECT.com

Charlotte, NC
09/02/101.49D1.51$3,000
Ascencia, a div. of PBI Bank

Louisville, KY
09/02/101.49M1.50$500
Bank of Internet USA

San Diego, CA
09/02/101.47D1.48$1,000
giantbank.com

Ft. Lauderdale, FL
09/02/101.45D1.46$2,500
Nationwide Bank

Columbus, OH
09/02/101.44D1.45$500
Discover Bank

New Castle, DE
09/02/101.44D1.45$2,500
Nexity Bank

Birmingham, AL
09/02/101.41D1.42$1,000
Goldwater Bank

Scottsdale, AZ
09/02/101.42A1.42$10,000
Woodlands Commercial Bank

Salt Lake City, UT
09/02/101.41D1.42$2,500
AIG Bank

Wilmington, DE
09/02/101.40D1.41$2,500
Excel National Bank

Beverly Hills, CA
NR		09/02/101.39M1.40$10,000
OneWest Bank, FSB

Pasadena, CA
NR		09/02/101.29D1.30$5,000
National Bank of Kansas City

Overland Park, KS
09/02/101.24D1.25$10,000
NBC Bank

Tulsa, OK
09/02/101.25S1.25$1,000
American Bank

Allentown, PA
09/02/101.19D1.20$500
California First National Bank

Irvine, CA
09/02/101.19M1.20$5,000
Main Street Bank

Kingwood, TX
09/02/101.19D1.20$10,000
State Farm Bank

Bloomington, IL
09/02/101.10D1.11$500
BankDirect

Dallas, TX
09/02/101.10D1.11$10,000
NOVA Bank

Philadelphia, PA
09/02/101.04D1.05$500
First Internet Bank of Indiana

Indianapolis, IN
09/02/101.00M1.00$1,000
Domestic Bank

Cranston, RI
09/02/100.90M0.90$500
Allstate Bank

Northbrook, IL
09/02/100.85D0.85$1,000
E-LOAN

Pleasanton, CA
09/02/100.85D0.85$10,000
Heritage Bank, N.A.

Phoenix, AZ
09/02/100.80Q0.80$5,000
Lone Star Bank

Houston, TX
09/02/100.75D0.75$1,000
Transportation Alliance Bank

Ogden, UT
09/02/100.75D0.75$1,000
Colorado Federal Savings Bank

Greenwood Village, CO
08/31/101.44D1.45$5,000
Intervest National Bank

New York, NY
08/31/101.17D1.18$2,500
Metropolitan National Bank

New York, NY
08/31/100.90A0.90$2,500
Centennial Bk

Fountain Valley, CA
08/31/100.75M0.75$10,000
First NB of Baldwin County

Foley, AL
08/30/101.25S1.25$500
Pacific Mercantile Bank

Costa Mesa, CA
08/30/100.94D0.94$10,000
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.

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Certificates of Deposit
 mo = months
yr = years
Term APY Notes* Minimum Bank
1-mo 1.16 p $25,000 Investors Comm Bk
1-mo 0.85 p $175,000 USAA
1-mo 0.50 b,p $1,000 Presidential Bk
1-mo 0.50 i,p $10,000 Investors Comm Bk
1-mo 0.41 i,p $100,000 Astoria Fed
2-mo 0.50 b,p $1,000 Presidential Bk
2-mo 0.41 i,p $100,000 Astoria Fed
2-mo 0.40 p $10,000 VirtualBank
2-mo 0.30 p $10,000 Eloan
2-mo 0.30 b,p $25,000 Crestmark Bk
2-mo 0.20 b,p $100,000 Woodlands Comm Bk
3-mo 2.32 b,i,p,u $20,000 Please check Note "u" below
4-mo 1.00 i $1,000 OneWest Bk
4-mo 1.00 p $1,000 OneWest Bk
4-mo 0.98 p $175,000 USAA
4-mo 0.73 p $95,000 USAA
4-mo 0.50 p $1,000 OneUnited Bk
4-mo 0.46 i,p $100,000 Astoria Fed
5-mo 1.02 p $175,000 USAA
5-mo 0.77 p $95,000 USAA
5-mo 0.50 b,p $100,000 1st Trade Union Bk
5-mo 0.46 i,p $100,000 Astoria Fed
6-mo 2.36 b,i,p,u $20,000 Please check Note "u" below
7-mo 1.11 p $175,000 USAA
7-mo 0.85 p $95,000 USAA
7-mo 0.80 p $1,000 USAA
7-mo 0.70 i,p $1,000 Principal Bk
7-mo 0.45 b,i,p $500 Earthstar Bk
8-mo 0.80 i,p $1,000 Capitol Fed
9-mo 1.30 p $3,000 NewDominion
9-mo 1.26 p $10,000 VirtualBank
9-mo 1.25 i $1,000 OneWest Bk
9-mo 1.25 p $1,000 OneWest Bk
9-mo 1.25 b,p $100,000 Woodlands Comm Bk
9-mo 1.21 p $175,000 USAA
9-mo 1.16 p $2,500 GiantBank
9-mo 1.15 p $1,000 TotalBank
9-mo 1.10 i,p $2,500 Discover Bk
9-mo 1.05 p $0 Ally Bk
9-mo 1.05 i $100 Acacia Fed Bk
9-mo 1.05 b,p $500 Acacia Fed Bk
9-mo 0.95 p,r3 $10,000 Salem Five
9-mo 0.90 p $1,000 Nexity Bk
9-mo 0.76 b,p $1,000 Beal Bk
9-mo 0.75 b,i,p $1 ING Bk
10-mo 0.90 i,p $1,000 Capitol Fed
11-mo 0.60 b,i,p $500 Earthstar Bk
13-mo 1.35 i $1,000 OneWest Bk
13-mo 1.35 p $1,000 OneWest Bk
13-mo 1.30 p $500 K Bk
13-mo 1.05 p $5,000 Grand Yield Direct
14-mo 1.35 i,p $1,000 Capitol Fed
14-mo 1.06 i,p $1,000 Principal Bk
15-mo 1.60 p $175,000 USAA
15-mo 1.50 p $10,000 Salem Five
15-mo 1.50 b,p $50,000 Goldwater Bk
15-mo 1.35 p $95,000 USAA
15-mo 1.25 p $1,000 USAA
15-mo 1.04 i,p $250 Middlesex Bk
16-mo 1.65 p,r17 $1,000 Dollar Savings Direct 866-395-8693
16-mo 1.50 p,r7 $1,000 Emigrant
1.5-yr 1.93 f,i $100 1st Trade Union Bk
1.5-yr 1.80 i,p $10,000 Investors Comm Bk
1.5-yr 1.75 p $175,000 USAA
1.5-yr 1.65 p $3,000 NewDominion
1.5-yr 1.61 i,p $1,000 Aurora Bk
1.5-yr 1.60 i,p $2,500 Discover Bk
1.5-yr 1.59 b,p $50,000 Goldwater Bk
1.5-yr 1.56 b,i,p $1,000 ISN Bk
1.5-yr 1.56 p $10,000 VirtualBank
1.5-yr 1.54 p $0 Ally Bk
1.5-yr 1.50 i,p $1,000 iGObanking
1.5-yr 1.48 p $1,000 Bk of Internet
1.5-yr 1.48 b,p $2,500 Intervest Nat Bk
1.5-yr 1.46 i,p $2,500 AIG Bk
1.5-yr 1.46 b,p $10,000 Pacific Mercantile
1.5-yr 1.45 p $1,000 OneWest Bk
19-mo 1.50 p $500 K Bk
25-mo 1.70 p $500 K Bk
27-mo 1.60 i,p $1,000 Capitol Fed
2.5-yr 2.25 p $175,000 USAA
2.5-yr 2.00 i $100 Acacia Fed Bk
2.5-yr 2.00 b,p $500 Acacia Fed Bk
2.5-yr 2.00 p $3,000 NewDominion
2.5-yr 2.00 p $95,000 USAA
2.5-yr 1.96 b,p $2,500 Intervest Nat Bk
2.5-yr 1.95 p $1,000 USAA
2.5-yr 1.90 i,p $2,500 Discover Bk
2.5-yr 1.90 b,p $5,000 Hillcrest Bk
2.5-yr 1.89 p $1,000 Bk of Internet
2.5-yr 1.87 b,i,p $1,000 ISN Bk
2.5-yr 1.78 i,n,p $40,000 Northrop Grumman FCU
2.5-yr 1.70 i,p $1,000 Capitol Fed
2.5-yr 1.65 b,i,p $500 Stonebridge Bk
2.5-yr 1.60 b,i,p $1,500 Everbank
2.5-yr 1.55 i,p $250 Middlesex Bk
2.5-yr 1.50 b,i,p $500 1st Trade Union Bk
33-mo 1.61 i,p $1,000 Principal Bk
37-mo 1.95 p $500 K Bk
3.5-yr 1.66 i $1 Luana Sav Bk
3.5-yr 1.50 b,p $25,000 Crestmark Bk
3.5-yr 1.35 b,p $100,000 Luana Sav Bk
4-yr 2.81 i,p $175,000 USAA
4-yr 2.55 i $100 Acacia Fed Bk
4-yr 2.55 b,p $500 Acacia Fed Bk
4-yr 2.55 p $3,000 NewDominion
4-yr 2.55 i,p $95,000 USAA
4-yr 2.52 i,n,r9 $4,000 Melrose CU
4-yr 2.52 b,n,p,r9 $5,000 Melrose CU
4-yr 2.50 i,n,p $1,000 Pentagon Fed CU
4-yr 2.50 i,p $10,000 Investors Comm Bk
4-yr 2.46 i,n,p $100,000 Western FCU
4-yr 2.41 p $1,000 Bk of Internet
4-yr 2.40 b,i,p $1,000 1st Internet Bk
4-yr 2.39 p $0 Ally Bk
4-yr 2.32 b,p $2,500 Intervest Nat Bk
4-yr 2.31 i,p $1,000 Aurora Bk
4-yr 2.30 i,p $2,500 Discover Bk
4-yr 2.28 b,i,n,p $500 Self-Help CU
4-yr 2.28 p $10,000 VirtualBank
4-yr 2.25 p $1 American Express Bk
4-yr 2.25 i,p $10,000 Capitol Fed
4-yr 2.21 i,n,p $40,000 Northrop Grumman FCU
4-yr 2.20 b,p $10,000 Nat Bk of Kansas City
55-mo 2.40 b,i,n,p $5,000 NASA CU
58-mo 2.15 i,r3 $2,000 Wachovia
58-mo 2.15 p,r3 $5,000 Wachovia
61-mo 2.50 p $500 K Bk
6-yr 2.72 i $1,000 Intervest Nat Bk
6-yr 2.72 b,p $2,500 Intervest Nat Bk
6-yr 2.60 p $10,000 Eloan
6-yr 2.40 i $100 3rd Fed S&L
6-yr 2.40 b,p $500 3rd Fed S&L
6-yr 2.12 i,p $1,000 Principal Bk
7-yr 3.92 i,p $175,000 USAA
7-yr 3.66 i,p $95,000 USAA
7-yr 3.51 i $250 USAA
7-yr 3.51 p $1,000 USAA
7-yr 3.49 i,n,p $1,000 Pentagon Fed CU
7-yr 3.00 p $500 Dime
7-yr 3.00 i,p $2,500 Discover Bk
7-yr 2.74 b,p $2,500 Intervest Nat Bk
7-yr 2.41 b,p $100,000 Luana Sav Bk
8-yr 2.80 p $10,000 Capitol Fed
8-yr 2.76 i $1,000 Intervest Nat Bk
8-yr 2.76 b,p $2,500 Intervest Nat Bk
9-yr 2.78 i $1,000 Intervest Nat Bk
9-yr 2.78 b,p $2,500 Intervest Nat Bk
10-yr 3.25 i,p $2,500 Discover Bk
10-yr 3.00 b,p $5,000 Capital One
10-yr 2.82 b,i,p $95,000 Intervest Nat Bk
10-yr 2.80 i $1,000 Intervest Nat Bk
10-yr 2.80 b,p $2,500 Intervest Nat Bk
*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 (if over 50 years old, also available, $50 and one direct deposit/month).
r15: Requires one monthly direct deposit or ACH auto debit, and one 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.
r19: Requires $50 checking account with one $250 monthly direct deposit, or 15 debit card or check transactions.
r20: Requires one monthly direct deposit or two ACH auto debit and 10 debit card transactions.
 r21: Requires $1 checking account with one monthly net pay direct deposit and 10 checks and/or signature debit card transactions.
u: Global Power Shift Basket CD at EverBank. Multiple foreign currencies in one CD. 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.

 

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