Competitive short term CD rates are rare, and this 1.35% APY 364-day CD from Eastman Credit Union is definitely one of the jewels in the crag. The other CD rates from the CU are also attractive, but they’re not as competitive. For a CD that runs three to four years, you earn 2.50%.

On the other hand, a CD that runs 1 to 3 years can earn you 1.75% APY. For the length of time you’ll have to lock your money in the bank, though, you’ll wonder if the latter two CDs are worth it. For 1- to 4-year CDs, the minimum deposit is only $1,000. You may have to shell out more money with the shorter term CD, though. Eastman CU’s 364-day CD has a minimum deposit requirement of $2500.

The clincher, though, is that these accounts aren’t available nationwide. You’re only eligible to open these CDs if you live, study or work in the northeastern areas of Tennessee. Those who live, work, or study in southwest Virginia, and the Gregg and Harrison Counties an Texas are also allowed to open these accounts.

Just in case you want to take your chances, you can also check the credit union’s Employer Groups. If you’re employed in any of these companies, you’re also allowed to open a CD. Branch visits are required to open an account, and you can find these branches in Texas, Virginia, South Carolina, Arkansas and Tennessee.

Check the bank’s webpage first before you apply. While these may appear to be among the highest CD rates in the market this month, things can change. These CD rates can fall without any warning.

If you’re worried about your money, you can rest assured that the bank ratings are pretty high. They received five stars from BauerFinancial and four stars from Bankrate.com. These consistently high ratings for soundness and safety are rare these days. It’s a pretty stable credit union with $2.33 billion worth of assets. It’s also federally insured by NCUA under Charter # 68095.

Are you ready to put your money in the bank for five whole years? If you are, then you might want to check out the top CD rates of Chaffey Federal Credit Union in California. While the account is only offered locally, it remains one of the most competitive CD rates today.

For the five-year CESA CD, you can earn as much as 3.55% APY. The yield gets smaller for shorter CDs, but they’re almost as attractive. The 3-year- CESA CD earns 2.55% APY, the 5-year regular CD earns 3.49% APY, and the 3-year regular CD earns 2.42% APY.

Both regular CDs require $10,000 minimum deposit, while the CESA CDs require only $2,000. You might want to check the bank’s website once in a while for updates, though, because these rates tend to fluctuate. They can be competitive today, and pretty low tomorrow. Taking advantage of the high rates now is a smart move.

Another clincher is that you need to be an employee, a student, or a parent of a student in the credit union’s school system before you can qualify for an account. A $10 opening fee is also necessary, as well as a minimum balance of $5 deposited to a separate, regular savings account. You might want to call the bank first before you submit your application because there are requirements which aren’t stated online.

Because these CDs are only available to a select number of people, you will also need to make a personal appearance at one of the bank’s branches to complete the application. You can find branches of the Chaffey FCU installed in several cities in California including Walnut, Ontario, Rancho Cucamonga and La Puente. While the requirements seem stringent, they remain the highest CD rates in the market this month.

So far, the bank has been getting mixed feedbacks from reviewers. It earned four stars from BauerFinancial, and a mysterious 2 stars from Bankrate.com. The bank is insured with the NCUA under Charter # 16030.

If you’re living in Georgia, then there’s no reason for you not to take advantage of Atlanta Business Bank’s impressive Certificate of Deposit rates. Probably the most eye-catching are the CD rates for the 60-month and 48-month accounts. If you’re opening a 5-year CD, you’ll be earning as high as 3.20% APY. This is unquestionably among the top CD rates in the market today. The 4-year CD yield is also attractive, pegged at 2.89% APY.

While the shorter-termed CDs have lower interest rates, they’re still competitive compared to other CD rates in the market today. The 36-month CD yields 2.68% APY, the 24-month CD earns as much as 2.38% annually, and the 18-month CD has an APY of 2.17%.

As with other bank rates, these are among the highest CD rates today, but it will do you good to still check the bank’s website for updates. As was said earlier, these CDs are only available locally. You can open an account online by using Andera. Just go to the bank’s homepage, and the link for the electronic application should be there.

CD rates tend to fluctuate in a matter of days, though. While they remain competitive now, you will want to check the current CD rates first before you apply.

While online application tools are available, the bank also put default Georgia zip codes applicants can choose from. Obviously, if you don’t live in Georgia, you’re not eligible for the account. The bank itself only has one office which is located in the heart of Atlanta, Georgia.

There’s sad news for those who are concerned about the bank’s safety and soundness ratings, though. It rated only two stars from BauerFinancial, and 1 star from Bankrate.com. This is probably expected, since they’ve only been around since 2002. The bank is a member of the FDIC, and is insured under FDIC Certificate #57264.

If you’ve been on the hunt for competitive CD rates, you will want to check out what’s being offered at East Boston Savings Bank . They have a special promo CD earning an impressive 2.00% APY, and the period only lasts for 19 short months. All you have to do is deposit a minimum of $1000, and you’ll be reaping the financial rewards of this account. There are catches, though.

One of them is that this money in the bank deal is only available locally. Also, clients will have to visit one of the bank’s branches to open an account. No online applications are available, probably because the bank wants to make sure that the clientele for this account is limited to those living in MA. Their branches dot Boston and the areas surrounding the city, so if you live there, these should be easy to spot.

The more visible branches, though, are along Meridian St. in Maverick Square, One Bennington St. in Central Square, Bennington St. in Orient Heights, and Bennington St. in Day Square. Bank hours are usually between 9:00 AM and 4:00 PM between Mondays and Wednesdays, 9:00 AM and 6:00 PM every Thursdays and Fridays, and 9:00 AM to 12:30 PM on Saturdays. If you really want to make sure, you can call up the nearest branch.

Last year, East Boston Bank made waves with even more competitive rates. That was back when it was still a purely online bank. Now, the rates have dropped significantly, but they’re still attracting quite a lot of account holders.

For a new bank, they’re doing quite well, offering one of the highest CD rates in the market. The bank’s rating for soundness and safety is satisfactory. It earned a 3.5 stars rating from BauerFinancial.com and 3 stars from Bankrate.com.

CD rates usually change, though, so it’s best if you can go to their homepage to verify first. The bank has been around since 1991, and had been an FDIC member ever since. You can verify this, for insurance purposes, by looking at FDIC Certificate #33510.

A brand new set of CD and IRA rates are being offered at the SunTrust Bank . They range from 60 months to 10 months, with a small minimum opening balance of $2,000. You can also deposit as much as $1,000,000 per CD if you have the capacity to do so. The special CD and IRA rates are as follows:

• 3.01% APY for 60 months
• 2.50% APY for 48 months
• 2.01% APY for 34 months
• 1.60% APY for 25 months
• 0.50% APY for 10 months (without penalty)

The 13-month CD and IRA CD’s rates are not posted online, but to find out if it’s still one of the best cd rates in the market, all you have to do is call up the bank at 800-279-4824. Unlike other Certificate of Deposit rates posted online, this one guarantees that the APY and the interest rates are fixed throughout the maturity period.

You can also visit your local SunTrust Bank branch or email them from the website to get more information. Except for the 10-month CD which doesn’t have an early withdrawal penalty, the highest CD rates in this tier do. The principle is simple: the penalty gets smaller the nearer you get to the maturity period.

• For a withdrawal made 91 days to 1 year prior to maturity, you pay 3 months’ worth of interest.
• For a withdrawal made 1 year to 3 years prior to maturity, you pay 8 months’ worth of interest.
• For a withdrawal made 3 years to 7 years prior to maturity, you pay 1 year’s worth of interest.

Despite giving the top CD rates this season, their ratings seem a little weak. They scored 2 stars on Bankrate.com and 3 stars on BauerFinancial. The SunTrust Bank has an FDIC membership which can be verified through FDIC Certificate #867.

While most of its lower-tier CD rates are not exactly competitive, considering the higher yields other banks are offering, OneWest Bank and its 5-year CD maintains one of the highest CD rates in the market today. It dropped from 3.30% APY to 3.00% APY since last December, but it’s still considered a high yield compared to other Certificate of Deposit rates online.

Just to be on the safe side, you would want to check out the bank’s rates before opening an account. Even the best CD rates can drop overnight. Also, the rates are locked only once your application and funds have been received by the bank.

You can also fund the account no later than three days after the account has been opened. Otherwise, the rate won’t be held. The CD is probably more beneficial for Southern California residents who are already in the region and could process their applications in person. This CD is not limited locally, though. Online applications are accepted.

Should you need to withdraw your funds early, you just need to pay a penalty fee that’s equivalent to 6 months of the CD’s interest rates.

OneWest Bank is still a fairly new bank and is yet to get ratings from BauerFinancial and Bankrate.com. It has an entry in the FDIC databank, though, which you would want to check out.

Southeast Financial Credit Union is still offering its 24-month low penalty CD with one of the best yields in the market at 2.00% APY. While other banks may offer higher yields under the same timeframe, it is very rare for minimal early withdrawal fees to be added into the bag.

According to the credit union’s rate table, withdrawing funds in six months or more before the date of maturity obliges you to pay the accumulated interests of no more than 60 days. That’s not so bad considering the high penalty fees included in other high-yielding CD rates.

While this is not one of the highest CD rates online, either, the membership requirements seem easy enough to meet. All you have to do is make a $5 donation to the Autism Society of Middle Tennessee by calling up their membership services center at 800.521.9653.

You can also check their Who-Can-Join webpage to see if you belong to any of their Select Employer Groups. Employment with any of these groups also qualifies you to open an account.

Prepare a copy of your driver’s license because you will need this for your application to be processed. Should you live outside of the state, just mail your application process, a copy of your license, and the $5 donation and you’re good to go. A minimum deposit of $5 is also needed to open an account.

Note also that the credit union isn’t locking in the rate until they receive your application papers. Just to be on the safe side, apply as soon as you can because even the best CD rates in the market are dropping. These Certificate of Deposit Rates may change any time, so check the credit union’s rate page frequently.

As of the last update, the lower-tier yields are:

• 1.80% APY for 18 months
• 1.65% APY for 12 months
• 1.40% APY for 6 months
• 1.00% APY for 90 days

While these are still one of the top CD rates considering the maturity periods, other banks can give you better yields, but not for as short as 90 days. This is a good deal if you think you can keep your money in the bank for at least three months. The 90-day maturity period is also not offered n IRAs.

The credit union has branches in the select cities of Texas, Kentucky, and Mississippi. The ratings of the bank are pretty solid. They received 4 stars from BauerFinancial and 3 stars from Bankrate.com. They’re also federally insured by NCUA under NCUA Charter #68599.

Are you often dissatisfied with your CD rates? Even the best CD rates online today can give you minimal yield when you’re stuck with the same rate year in and year out. With the triple advantage CD offered at NexBank, you’ll see brighter things ahead.

Not that the triple advantage CD from NexBank Dallas is anything new. As a matter of fact, it’s been around for a few months now, and the rate might have even fallen a few spots since March. So if you’re smart, you’ll open an account before the APY of the 24-month CD falls too far from the 2% mark.

While it’s true that a lot of banks are offering higher yields and this is probably not one of the highest CD rates in the market, none of the higher yielding CDs allow bump up and add on features. How does this work? The minimum deposit for this account is $10,000. On the 12^th month, you can choose to add more funds and/or bump up the rate once for every 12-month-period as well.

Apparently these special features are not offered in the bank’s business and IRAs either, so it’s something you should really think over. One thing you have to take note, though, is that the account is only for those who live in Dallas Texas. Apparently, there used to be an online application page for this account, but it’s no longer in the bank’s page. If you’re interested in opening one, you should call NexBank at 972.934.4760.

The bump up feature is a good safeguard against possible declining Certificate of Deposit rates in the months to come. Of course, this will also depend on the bank. Since there are no promised APYs right now, the bank will have to keep their future rates promising.

The branches of the bank are also limited to Plano and Dallas, Texas. You might want to check on the stability and safety of the bank as well before you put in your money. The ratings for the bank are still low, at this point. They received only 2 stars from BauerFinancial and also 2 stars from Bankrate.com.

The bank has been a member of the FDIC since 1934 under FDIC Charter # 29209. Interested holders should also know that the bank is already running the FDIC Cease and Desist Order.

Franklin Security Bank in Pennsylvania offers competitive rates for its certificates of deposit deals. The most competitive money in the bank deal is the 1.70% APY 7-month CD account which allows you to withdraw your funds without penalty during the first seven days. While there are other banks offering higher annual yields, it’s very rare banks to offer no-penalty withdrawal periods.

The minimum deposit for the special no-penalty CD is $25,000. Considering how low the minimum deposit, this promotional no-penalty CD certainly has one of the best CD rates in the market. Most CDs with the same yield require a minimum deposit of at least $100,000.

The only downside is that unlike other competitive CD rates which are available nationwide, and which allow online application, this one is exclusive to those who are living in Pennsylvania. Just like the special savings account, a personal visit to the bank is also necessary for the application to progress.

Considering that the Franklin Security Bank is a small bank with only one branch at Plains, Pennsylvania, they’re not doing so bad at all.

As a matter of fact, its patrons think that the bank is actually passing with flying colors. It scored an impressive 4-star rating (excellent) at BauerFinancial, and also an elusive 4-star rating (sound) from Bankrate.com. The bank is young, but old enough, and has been a member of the FDIC since 1999. This can be verified through FDIC Certificate #35113.

If you’re looking for a competitive tiered CD plan and you happen to live in Texas, you should look into the Security Service Federal Credit Union lineup of money in the bank deals. The top tier is competitive with yields of up to 2.00% APY for deposits of $100,000 and up. The lower tiers also have some of the best CD rates in the market:

• 1.95% APY for deposits between $50,000 and $100,000
• 1.90% APY for deposits between $25,000 and $50,000
• 1.85% APY for deposits between $500 and $25,000

The CD rates might change within the week, though. There was no promotion period mentioned by the credit union. For your assurance, you should check out the credit union’s rates page.

The credit union also has two other CD promotions, but they’re not really included among the top CD rates in the market today. Other banks outside of Texas could offer better Certificate of Deposit rates, considering the period these CDs cover. The top tier of the 24-month CD included in this promo yields a mere 2.04% APY, while the yield for the 36-month CD is only 2.55% APY.

The other sad news is that these special CDs are only offered to residents of select counties in Texas. If you are a member of one of the credit union’s sponsor groups, you may also be eligible for this special CD. The credit union’s membership page contains a list of all eligible counties and sponsor groups. You should prepare $5 if you’re interested in becoming a member.

For those who don’t know, the branches of the Security Service FCU are scattered throughout Texas, including the cities of McAllen, Corpus Christi, Brownsville and San Antonio. Colorado cities which have branches of the FCU include Aurora, Pueblo, Fountain, Colorado Springs, and Denver.

If you’re eligible for the CD and you have enough funds, you would want to take advantage of the credit union’s above average standing. For safety and stability, the FCU got a 4-star rating from BauerFinancial (excellent) and a 3-star rating from Bankrate.com (performing). The union has about $5.2 million worth of assets, and is federally insured by NCUA under NCUA Charter #11065.

If you’re looking for competitive CD rates and you happen to live in Washington, you might want to check out Cascade Bank’s special CD promo. This special CD promo yields as much as 1.60% APY for a period of 12 months. The minimum deposit is a bit hefty, though, at $10,000. Most of the best CD rates online today can give you the same yield over a similar period for only $1000 minimum deposit.

These might change any time, though, so check the bank’s rate table just to be sure. You can also get the CDs as IRAs. You may be charged an IRA fee of $10.00 annually, though, or $25.00 should you decide to take the funds out and terminate the account. The special is more beneficial if you’re looking for the highest CD rates.

The downside is that you can’t open your account online. You have to make a personal visit to the bank before you can apply for this special CD. Several Washington cities have Cascade Bank branches including Marysville, Everett, Burlington, Shoreline, Isaquah, and Bellevue.

Despite being one of the most competitive Certificate of Deposit rates, some people might be put off by the bank’s soundness ratings. They scored poorly in BauerFinancial (2 stars/problematic) and Bankrate.com (1 star/lowest). Their health score ate DepositAccounts.com are also less than impressive, garnering only 2 out of 5 points.

This is strange, considering that the bank has been a member of the FDIC since 1957 under FDIC Certificate # 28823.

Dupaco Community Credit Union announced that it will be offering three special CD rates for a minimum deposit of $5000. They are:

• 2.77% APY for the 35-month CD
• 2.46% APY for the 27-month CD
• 1.96% APY for the 15-month CD

The credit union did not give a specific period for these rates, however, so it’s best for you to check their rate table just the same. You might want to compare these rates with other top CD rates online.

If you’ve been reading up on the credit union’s rates, you might have come across their top-yielding savings account rates. For those who managed to get this account, you can get the top yield of 2.68% APY if you maintained a balance of at least $200,000. Unfortunately, new accounts can no longer be opened.

Still, it’s good to know that the Investor’s Choice MMA is still available. This yields up to 1.92% APY as long as you maintain a balance of $100,000. The lower tiers are less impressive, and this will benefit mostly big depositors who can maintain the top tier. Still, it’s one of the most impressive money market rates in the market. A yield reaching close to 2% for a money market account is very rare, these days.

As tempting as these offers might be, they’re limited to residents of the twenty-eight counties of Illinois, Iowa and Manchester. You may want to visit the credit union’s membership page to look at the specific requirements. You should prepare a $25 membership fee before visiting any of the credit union’s branches.

The credit union did pretty well in terms of security and safety, earning an impressive 5 stars from BauerFinancial (superior) and 3 stars from Bankrate.com (performing). It also earned 3 out of 5 stars in DepositAccounts.com for health. The credit union is insured federally with NCUA under NCUA Charter #64049.

For only $1000 minimum deposit, you can now open a 13-month CD which yields a competitive interest rate of 2.00% APY with Park Sterling Bank headquartered in North Carolina. This is definitely one of the edgiest Certificate of Deposit rates out there. A high yielding year-long CD is hard to find today. If you scan the internet, the closest competition you can find is a 1.50% CD, which is nothing compared to this deal.

The only downside is that the Park Sterling Bank needs you to visit one of its branches before you can open an account. This also means that, although this is one of the highest CD rates in the bracket, it’s only offered locally. You should also check the bank’s main website because these promotional CD rates tend to change frequently over time.

If you want to look for the best CD rates offered online, there’s a list of them available at DepositAccounts.com. Should you be within the spheres of Charlotte and Wilmington, North Carolina, finding branches of this bank should be no trouble.

The bank’s performance is somewhere in the middle of the road, earning a 4-star rating from BauerFinancial (excellent) and a 3-star rating from Bankrate.com. Park Sterling Bank has also been a member of the FDIC since 2006 under FDIC Certificate #58408.

RTN Federal Credit Union is offering a competitive 1.20% APY on its 12-month certificate of deposit. The Jumbo 12-month CD used to yield 2% APY a few months back and was by far one of the best CD rates in the market. Despite the plunge, though, this remains competitive among other Certificate of Deposit Rates in the market.

If you want to get the highest yields for this account, you might want to sign up for its upper-tier CDs. The 36-month CD rate from RTN Federal Credit Union generates an impressive 2.00% APY. The longer CDs have even higher yields, as posted in their rate table. For these CDs, you will be required to deposit a minimum of $50,000. To maximize the benefits of the accounts, avoid early withdrawals.

As a general rule for CDs, you will be paying penalty fees if you withdraw your funds before the stated period. CD rates tend to change frequently, so keep on checking the credit union’s rate table to chance on the highest CD rates for the fiscal year. If you doubt the updates posted online, you can also call the bank’s customer service at 1.800.388.0221.

Certain qualifications also need to be met before you can open a CD account. According to the CSR, you can be a member of the credit union if already belong to the Gore Place Society. If you belong to any of these sponsor groups, you will also be legible for a membership with the credit union. Double check the requirement of the CD account because sometimes the credit union changes its requirements. You may need to be an employee of the sponsor group instead of just a member.

Another page to check is the credit union’s application process. For example, on their last update, the credit union required residents of Massachusetts to visit a local branch before their application can be processed. If you notice, most of the branches are located near Raytheon facilities. This is possibly because the credit union was formed primarily for Raytheon employees.

Branches which are open to the public include ones in Danvers, Waltham, Tekksbury, Marlborough, and Amesbury. This is probably due to its top CD rates.

The credit union does pretty well for itself, receiving a 5 star rating (excellent) from BauerFinancial and a 3 star rating (performing) from Bankrate.com. It also has a federal insurance shouldered by NCUA under Charter #24311.

While the North American Savings Bank offered better CD rates last April, the current cd rates they’ve released recently are still comparatively better than what most banks are offering. Their best cd rate is pretty competitive at 1.75% APY over a 14-month-period. This best interest rates can be enjoyed for only a minimum deposit of $1000.

Your first step to enjoy these best CD rates is to go to andera.com, you’ll find an online application database which is considerably easy to use, as long as you’re already 18 years old and a US citizen. The online application database, however, only has the standard CD rates listed. The special isn’t included. According to the bank, you just need to choose the 14-month CD and call them up at 816-316-4000 and choose the third option once the machine comes on.

The mid to long-term regular CDs are also money in the bank deals: 36 to 47 months (2.5% APY), 48 to 59 months (2.75% APY), and 60 to 120 months (3.00% APY). You can open this accounts with an initial deposit of $1,000.

You can also email the bank and tell them the actual CD term that you wish to open. Several individuals were able to open this special CD account with ease, online. One commenter from the bank review’s page also noted that this CD has a cap of $100,000 deposit.

For those who are concerned about the bank’s safety and security, it’s nice to know that they’ve scored rather well with BauerFinancial and bankrate.com which both issued 4 stars.

The bank has been a member of the FDIC since 1940 with FDIC Certificate #29708.

Seacoast Commerce Bank continues to push with the attractive cd rates they offer through their Bank by Mail CDs. The most competitive cd interest rates are the 2.00% APY for the 24-month CD; 2.35% APY for 36 months; and 2.65% APY for the 48-month certificate of deposit deal.

Individuals can enjoy these best interest rates with an initial deposit of at least $10,000. You will notice that other banks have better top cd rates but a good feature of this money in the bank deal is the lower than average penalty of 3 months of interest for early withdrawal. Also you have to consider the lower certificate of deposit rates in California so these are very competitive.

The interest rates that we have here are listed on the bank’s page as of June 2, 2010 but can be changed any time without notice. Please do check with the bank for the latest figures or you can call them through 619-476-7776 for more information.

The interest rate of these certificates are locked by the bank upon application or by the date stamped by the post on the deposit and application.

The bank does not charge any fee for wire transfers when you open the account. They charge $30 for the outgoing wire when you close the account, but this can be waived. Upon maturity the bank can also send you a check via mail for free.

The penalty for an early take out is 3 months of the account’s earnings which is comparatively lower than what other bank’s charge. The bank requires a written authorization when you are about to close the CD. You can also ask for their email system which you can use to transmit the authorization.

These certificates of deposit can be opened from any state. You can use the Apply Now button on their website. Click that and you will be able to open a PDF application form which you can print, fill up, and send by mail with your check. You can also send in the money via ACH for the initial deposit.

Seacoast Commerce Bank is based in Chula Vista in California. The ratings are a bit weak with both Bankrate.com and BauerFinancial issuing 2 stars for soundness and safety. Both of these evaluations are based on their December 2009 collected data.

The bank is covered by the FDIC through certificate number 57428.

South Central Bank invites consumers in Chicago to take advantage of their competitive interest rates for their certificate of deposit. The best cd rates are earned by the following which requires an initial deposit of $10,000:

12 months 1.55% APY
30 months 2.25% APY
36 months 2.65% APY

This bank offered more cd specials with very competitive cd rates on the latter part of last year compared to the few CDs they have now. These certificate of deposit specials though are not often listed on the bank’s website so you may want to check with the bank if they have information with regard to these money in the bank deals. You can contact them through 312-491-7000.

The interest rates that we have here are still posted on their rates page as of April 27. This may change any time so it will be best to get an update about the latest numbers.

You need to visit a branch to open an account. Take note that these CDs are for local customers only. If you don’t live near a branch, you may want to contact them first to confirm if you can benefit from any of their products.

South Central Bank has five branches in the Chicago area.

The ratings of the bank are fair. Bankrate.com issued 3 stars for its performance while BauerFinancial stamped 4 stars to their soundness and safety report. These were based on their September and December 2009 data, respectively.

The bank is a member of the FDIC and covered by certificate number 19536.

The El Paso Area Teachers Federal Credit Union continues to offer competitive cd interest rates for their certificates of deposit. The most competitive money in the bank deals are the following with their current interest rates:

12 months 1.76% APY
18 months 2.17% APY
30 months 2.68% APY
60 months 3.50% APY

These highest cd rates can be acquired with a minimum initial deposit of $500. Members can also purchase them as Jumbo certificates of deposit with a required initial funding of $50,000 and an APY higher by at least 10 basis points.

Individuals who live or work in El Paso, Texas can join this credit union. You will be required to put in a minimum of $25 into a savings account when you sign up. You can check out their membership details to know about the details of the membership process.

The financial ratings of the El Paso Area Teachers FCU are quite strong. Both Bankrate.com and BauerFinancial issued 5 stars when they reviewed the bank’s soundness and safety using their collected data on June 2009.

The credit union is covered by the NCUA through charter number 1409.

Citizens Equity First Credit Union offers their best interest rates for certificate of deposit deals. The current interest rates are the following:

5 years 3.15% APY
4 years 3.00% APY
3 years 2.60% APY
2 years 1.95% APY
18 months 1.60% APY
1 year 1.40% APY
6 months 1.15% APY
3 months 1.00% APY

Interested members can take advantage of the top cd rates with an initial deposit requirement of $1,000. These are also available as Jumbo Certificates of deposit with the best cd rates higher by at least 10 basis points. The Jumbo CD requires an initial funding of at least $100,000. The earnings of these accounts are compounded and credited every month.

Membership to the CEFCU is open for those who live with the counties of Woodford, Tazewell, Stark, Sangamon, Putnam, Peoria, McLean, Mason, Marshall, Macon, Logan, Livingston, Knox, and Fulton. These are all counties in Illinois. You can also sign up through immediately family or select employee groups. The credit union requires a membership fee of $1 and a savings account deposit of $5.

Citizens Equity First Credit Union receive excellent ratings from Bankrate.com which gave it 4 stars, and BauerFinancial which issued 5 stars for soundness and safety.

CEFCU is insured with the NCUA through charter number 68448.

Pennsylvania based Police and Fired Federal Credit Union still offers very competitive certificate of deposit rates. The top cd rates range from 1.20% APY for a 3-month CD through the highest cd rates of 4.00% for a 5-year term. The same interest rates apply to IRA certificates. The minimum deposit to open this certificate of deposit is just $500.

The current interest rates are as follows:

5 years 4.00% APY
4 years 3.50% APY
3 years 3.00% APY
30 months 2.50% APY
2 years 2.25% APY
18 months 1.50% APY
15 months 1.45% APY
1 year 1.40% APY
9 months 1.35% APY
6 months 1.25% APY
3 months 1.20% APY

There is an online application that you may use if you want to take advantage of the highest cd rates but of course you need to be a member of the credit union first. They also require that you put in some money into one of the liquid accounts of the FCU. Once you have signed up as a member, you can transfer some money to the credit union’s savings accounts via ACH. You can fill up an application for a CD and use the money you have transferred to complete the purchase of the certificate.

Aside from the members of the police force and fire brigade of Philadelphia, the credit union also welcomes members from select employee groups and other associations. You can visit their Membership Page to know the details of the process.

You can use the online application for membership if you want to sign up. There is a requirement for a $5 deposit. Online funding is also allowed.

Police and Fire Federal Credit Union has offices in Philadelphia and its surrounding suburbs.
The credit union has strong financial ratings. Bankrate.com issued 4 stars while BauerFinancial gave the credit union 5 stars for soundness and safety. The credit union is a big organization with more than $3 billion in assets.

Police and Fire FCU is covered by the NCUA through charter number 2551.