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

Discover Bank

New Castle, DE

07/30/10

1.49

1.50

$2,500

Capital One Direct Banking

Glen Allen, VA

07/30/10

1.49

1.50

$5,000

Aurora Bank, FSB

Wilmington, DE

07/30/10

1.47

1.48

$1,000

Ally Bank

Midvale, UT

07/30/10

1.46

1.47

Sallie Mae

Murray, UT

07/30/10

1.54

1.55

newdominionDIRECT.com

Charlotte, NC

07/30/10

1.49

1.51

$3,000

Ascencia, a div. of PBI Bank

Louisville, KY

07/30/10

1.49

1.50

$500

Goldwater Bank

Scottsdale, AZ

07/30/10

1.47

$10,000

VirtualBank

Palm Beach Gardens, FL

07/30/10

1.45

1.46

$10,000

giantbank.com

Ft. Lauderdale, FL

07/30/10

1.45

1.46

$2,500

Colorado Federal Savings Bank

Greenwood Village, CO

07/30/10

1.44

1.45

$5,000

Excel National Bank

Beverly Hills, CA
NR

07/30/10

1.44

1.45

$10,000

AIG Bank

Wilmington, DE

07/30/10

1.40

1.41

$2,500

Eastern Savings Bank, FSB

Hunt Valley, MD

07/30/10

1.39

1.40

$1,000

Bank of Internet USA

San Diego, CA

07/30/10

1.34

1.35

$1,000

California First National Bank

Irvine, CA

07/30/10

1.29

1.30

$5,000

Main Street Bank

Kingwood, TX

07/30/10

1.29

1.30

$10,000

OneWest Bank, FSB

Pasadena, CA
NR

07/30/10

1.29

1.30

$5,000

Nexity Bank

Birmingham, AL

07/30/10

1.25

1.26

$1,000

NBC Bank

Tulsa, OK

07/30/10

1.25

$1,000

American Bank

Allentown, PA

07/30/10

1.19

1.20

$500

Stonebridge Bank

Exton, PA

07/30/10

1.14

1.15

$500

EverBank

Jacksonville, FL

07/30/10

1.14

1.15

$1,500

Pacific Mercantile Bank

Costa Mesa, CA

07/30/10

1.14

1.15

$10,000

State Farm Bank

Bloomington, IL

07/30/10

1.10

1.11

$500

BankDirect

Dallas, TX

07/30/10

1.10

1.11

$10,000

Lone Star Bank

Houston, TX

07/30/10

1.09

1.10

$1,000

Heritage Bank, N.A.

Phoenix, AZ

07/30/10

1.09

1.10

$5,000

NOVA Bank

Philadelphia, PA

07/30/10

1.04

1.05

$500

Centennial Bk

Fountain Valley, CA

07/30/10

1.00

$10,000

Domestic Bank

Cranston, RI

07/30/10

1.00

$500

First Internet Bank of Indiana

Indianapolis, IN

07/30/10

1.00

$1,000

Intervest National Bank

New York, NY

07/27/10

1.19

1.20

$2,500

Woodlands Commercial Bank

Salt Lake City, UT

07/26/10

1.46

1.47

$2,500

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	1.20	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	0.40	b,p	$25,000	Crestmark Bk
2-mo	0.30	p	$10,000	Eloan
3-mo	2.32	b,i,p,u	$20,000	Please check Note "u" below
4-mo	0.98	p	$175,000	USAA
4-mo	0.73	p	$95,000	USAA
4-mo	0.51	i,p	$100,000	Astoria Fed
4-mo	0.50	i,p	$500	Astoria Fed
4-mo	0.50	p	$1,000	OneUnited Bk
5-mo	1.02	p	$175,000	USAA
5-mo	0.77	p	$95,000	USAA
5-mo	0.51	i,p	$100,000	Astoria Fed
5-mo	0.50	b,i,p	$500	Earthstar Bk
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	0.90	b,i,p	$500	Earthstar Bk
7-mo	0.85	p	$95,000	USAA
7-mo	0.80	p	$1,000	USAA
7-mo	0.75	i,p	$1,000	Principal Bk
8-mo	0.90	i,p	$1,000	Capitol Fed
9-mo	1.30	p	$3,000	NewDominion
9-mo	1.25	p	$1,000	AmTrust Direct
9-mo	1.25	i	$1,000	OneWest Bk
9-mo	1.25	p	$1,000	OneWest Bk
9-mo	1.21	p	$175,000	USAA
9-mo	1.16	p	$2,500	GiantBank
9-mo	1.16	b,p	$100,000	Woodlands Comm Bk
9-mo	1.15	p	$1,000	TotalBank
9-mo	1.15	i,p	$2,500	Discover Bk
9-mo	1.11	p	$1,000	Nexity Bk
9-mo	1.05	i	$100	Acacia Fed Bk
9-mo	1.05	b,p	$500	Acacia Fed Bk
9-mo	1.01	p	$10,000	VirtualBank
9-mo	1.00	p	$0	Ally Bk
9-mo	0.95	p,r3	$10,000	Salem Five
9-mo	0.92	b,i,p	$1,500	Everbank
10-mo	1.00	p	$500	NY Comm Bk
10-mo	1.00	i,p	$1,000	Capitol Fed
11-mo	1.00	b,i,p	$500	Earthstar Bk
13-mo	1.50	p	$500	K Bk
13-mo	1.40	i	$1,000	OneWest Bk
13-mo	1.40	p	$1,000	OneWest Bk
13-mo	1.25	b,i,p	$500	Earthstar Bk
14-mo	1.25	i,p	$1,000	Capitol Fed
14-mo	1.11	i,p	$1,000	Principal Bk
15-mo	1.60	b,p	$100,000	Woodlands Comm Bk
15-mo	1.60	p	$175,000	USAA
15-mo	1.59	b,p	$50,000	Goldwater Bk
15-mo	1.58	b,p	$2,500	Woodlands Comm 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	1.70	p	$3,000	NewDominion
1.5-yr	1.69	i,p	$1,000	Aurora Bk
1.5-yr	1.69	b,p	$50,000	Goldwater Bk
1.5-yr	1.66	b,i,p	$1,000	ISN Bk
1.5-yr	1.66	i	$7,500	Pacific Mercantile
1.5-yr	1.66	b,p	$10,000	Pacific Mercantile
1.5-yr	1.65	b,i,p	$2,500	Tennessee Commerce Bk
1.5-yr	1.60	p	$1,000	AmTrust Direct
1.5-yr	1.60	i,p	$2,500	Discover Bk
1.5-yr	1.59	p	$0	Ally Bk
1.5-yr	1.51	i,p	$2,500	AIG Bk
1.5-yr	1.50	b,p	$2,500	Intervest Nat Bk
1.5-yr	1.45	p	$1,000	OneWest Bk
1.5-yr	1.41	p	$10,000	VirtualBank
19-mo	1.70	p	$500	K Bk
25-mo	1.90	p	$500	K Bk
26-mo	1.90	b,p	$5,000	Hillcrest Bk
27-mo	1.80	i,p	$1,000	Capitol Fed
2.5-yr	2.25	p	$175,000	USAA
2.5-yr	2.15	p	$3,000	NewDominion
2.5-yr	2.10	i	$100	Acacia Fed Bk
2.5-yr	2.10	b,p	$500	Acacia Fed Bk
2.5-yr	2.05	i,p	$2,500	Discover Bk
2.5-yr	2.02	b,i,p	$1,000	ISN Bk
2.5-yr	2.00	b,i,p	$500	Stonebridge Bk
2.5-yr	2.00	b,p	$2,500	Intervest Nat Bk
2.5-yr	2.00	p	$95,000	USAA
2.5-yr	1.95	p	$1,000	USAA
2.5-yr	1.94	p	$1,000	Bk of Internet
2.5-yr	1.92	b,i,p	$1,500	Everbank
2.5-yr	1.90	i,p	$1,000	Capitol Fed
2.5-yr	1.90	p	$1,000	OneWest Bk
2.5-yr	1.90	i,n,p	$40,000	Northrop Grumman FCU
2.5-yr	1.75	b,p	$500	3rd Fed S&L
33-mo	1.66	i,p	$1,000	Principal Bk
37-mo	2.20	p	$500	K Bk
3.5-yr	2.05	i,p	$500	Astoria Fed
3.5-yr	1.91	i	$1	Luana Sav Bk
3.5-yr	1.75	b,p	$25,000	Crestmark Bk
4-yr	2.81	i,p	$175,000	USAA
4-yr	2.78	i,n,r9	$4,000	Melrose CU
4-yr	2.78	b,n,p,r9	$5,000	Melrose CU
4-yr	2.76	i,n,p	$1,000	Pentagon Fed CU
4-yr	2.75	i,p	$10,000	Capitol Fed
4-yr	2.70	i	$100	Acacia Fed Bk
4-yr	2.70	b,p	$500	Acacia Fed Bk
4-yr	2.69	b,i,n,p	$500	Self-Help CU
4-yr	2.60	p	$3,000	NewDominion
4-yr	2.55	i,p	$95,000	USAA
4-yr	2.50	b,i,p	$1,000	1st Internet Bk
4-yr	2.50	p	$1,000	Bk of Internet
4-yr	2.50	p	$1,000	OneWest Bk
4-yr	2.50	i,p	$10,000	Investors Comm Bk
4-yr	2.50	i,n,p	$100,000	Western FCU
4-yr	2.46	p	$0	Ally Bk
4-yr	2.46	i,p	$1,000	Aurora Bk
4-yr	2.45	i,p	$2,500	Discover Bk
4-yr	2.45	i,n,p	$40,000	Northrop Grumman FCU
4-yr	2.43	b,p	$2,500	Intervest Nat Bk
4-yr	2.38	p	$10,000	VirtualBank
4-yr	2.27	b,p	$10,000	Centennial Bk
55-mo	2.80	b,i,n,p	$5,000	NASA CU
58-mo	2.50	i,r3	$2,000	Wachovia
58-mo	2.50	p,r3	$5,000	Wachovia
6-yr	2.75	i	$100	3rd Fed S&L
6-yr	2.75	b,p	$500	3rd Fed S&L
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	2.52	b,p	$100,000	Luana Sav Bk
7-yr	3.86	i,p	$175,000	USAA
7-yr	3.60	i,p	$95,000	USAA
7-yr	3.55	i	$250	USAA
7-yr	3.55	p	$1,000	USAA
7-yr	3.51	i,n,p	$1,000	Pentagon Fed CU
7-yr	3.25	i,p	$2,500	Discover Bk
7-yr	3.10	p	$500	Dime
7-yr	3.00	b,p	$5,000	Capital One
7-yr	2.82	b,p	$100,000	Luana Sav Bk
8-yr	3.00	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	3.60	i,p	$2,500	Discover Bk
10-yr	3.25	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
10-yr	2.50	c1,i,p	$20,000	Astoria Fed

*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.