Reliabank Dakota offers their best cd rates for their 45-month certificate of deposit that has current interest rates of 3.00% APY. The initial funding to enjoy the top cd rates is $5,000.

This online certificate is available to consumers nationwide. Interested individuals can take advantage of the highest cd rates by opening an account online using the link on the left side bar of the bank’s website.

The 45-month CD can be funded by mailing in a check or by wiring your deposit. It seems that the best interest rates will be honored when the initial fund is received by the bank.

The certificate of deposit special has an early withdrawal penalty of is 3 months of its earnings. One good feature of Reliabank’s CD offering is that they do not charge any penalty if you need to take out the money early for a funeral, medical expenses, or if you will be using it to spend on a nursing home.

Upon the maturity of the CD, the bank can send you the funds by mailing a check, by wiring the money, or by transferring it into an ultimate checking account.

The bank also lists other competitive certificate of deposit deals like their 29-month cd special which has an interest rate of 2.20% APY.

The interest rates that we have here are current as of writing but it will be best to check out the website of the bank or call their customer service hotline to ask for the latest figures. You can reach Reliabank through 605-873-2261 or 800-525-0399.

One of our readers commented that the bank did a hard credit pull through Equifax when he opened an account. It could be an issue if you don’t want any dings on your credit score.

Reliabank has branches spread across South Dakota specifically in Hartford, Watertown, Hazel, Hayti, and Esteline.

The financial rating of Reliabank is quite impressive. Bankrate.com issued 4 stars for its soundness and safety using their June 2009 data. BauerFinancial stamped its performance with 4 stars using their September data last year.

The bank is covered by the FDIC with certificate number 16221. Reliabnk is a small bank with a declared asset amounting to about $158 million.

Bank of Fayetteville headquartered in Arkansas offers a nationwide money in the bank deal through their 15-month certificate of deposit special with the highest interest rate of 2.10% APY. The top cd rate can be enjoyed by opening an account with a minimum deposit of $500. The current cd rate is still listed on the bank’s website as of January 2.

Interest consumers can open an account online and take advantage of the best cd rates. The tab for opening an account is under the Quick Links tab on the left sidebar. According to the bank, an account representative will contact you to help you complete the process.

Some other attractive interest rates are being offered for their 36-month CD at 2.17% APY and the 24-month certificate at 1.99& APY. You may contact the bank through 479-444-4444 if you want to know the highest cd rates they can offer for Jumbo CDs.

Bank of Fayetteville has offices spread across Fayetteville, Prairie Grove, West Fork, and Farmington in Arkansas.

The financial rating for soundness and safety of the bank is a bit weak. Bankrate.com stamped a 2 star rating for its below peer performance based on their June 2009 data. BauerFinancial evaluated the bank using their September 2009 data and issued 3 stars.

It is always wise to stay within the limits of the FDIC if the reviews about the bank are not that great. Bank of Fayetteville is covered by the FDIC with certificate number 26975.

Hudson City Savings Bank is still pushing for their top cd rates being offered for their long-term certificate of deposits. The current cd rates dropped by a few bases points but remain to be very competitive in the current market. Here are the latest interest rates from the bank’s website:

3.40% APY 60 months
3.15% APY 48 months
2.80% APY 36 months
2.30% APY 24 months

The certificate of deposits rates for the 3-year and 2-year CD are on the front page of the website. You need to click on the application and go to the interest rates link to see the complete list of the yields. You can enjoy these cd rates when you open an account with an initial funding of $5,000.

The top interest rates for these CDs will be locked when you submit your application online. Take note that the cd rates are often updated or changed on Fridays. You may inquire for the latest figures through their customer service line 1866-881-4272.

Interest Rates and Penalties

There are some issues that some of our readers tipped us. The earnings of the CDs are credited to the account at the end of every month so you need to plan carefully when you will close an account since if you close too early you might not just end up losing 6 months of interest (If you have a CD that matures after over a year) plus the accrued earnings of the month. It might be wise to close the account at the beginning of the month.

Early withdrawal is another issue. When you take out money from your account, you need the consent of the bank and they have the right to refuse such transactions. Certificates with maturities of a year or shorter will cost you 3 months of interest while longer term CDs will charge 6 months of earnings. The bank may also impose stiffer early withdrawal penalties.

About the Bank

Hudson City Savings Bank is a big financial institution with about $58 billion in assets. They have about 121 branches spread across New York, New Jersey, and Connecticut.

The ratings of the bank remain to be strong with 5 stars coming from BauerFinancial for soundness and safety. Bankrate.com issued 4 stars for performance. These figures were based on the September and June 2009 data, respectively. The bank is covered by the FDIC under certificate number 13074.

Rollstone Bank & Trust invites consumers in Massachusetts to take advantage of their top cd rates for their certificate of deposit specials. The most attractive cd interest rate is at 3.50% APY for the 48-month CD which requires a minimum initial deposit of $1,000. There is also a short term certificate special with a current cd rate of 1.92% APY for a 9-month term that asks for an initial funding of at least $100.

The interest rates are dated December 30, 2009 but they maybe updated any time without notice. The small print on the interest rates page states that deposits below the minimum required do not earn any thing. You may also inquire with regard to the early withdrawal fees which are imposed.

Rollstone also offers high interest rates for the fixed rate certificates of deposits. The term of the CDs range from 12 to 60 months. These CDs require a minimum funding of $100 to open. They earn 1.51% APY on all tiers. These are also available as variable rate retirement certificates on a 7- or 9-month term with 1.47% APY on all tiers

Some of our contacts reported that they were told by the bank that you need to be within a 50-mile range from a branch to apply. Rollstone Bank & Trust have offices in Townsend, Harvard, Leominster, and Fitchburg in Massachusetts.

If you have any inquiries on how you can maximize your investments with Rollstone you can contact them through 1800-640-1166.

Rollstone Bank was founded in 1846 and has been indexed with the FDIC since 1957 with certificate number 17797. It has very good financial ratings coming from Bankrate.com at 4 stars for soundness, and 5 stars from BauerFinancial for its superior performance. These evaluations were based no their June and September 2009 data.

Signature Bank is still pushing for their certificate of deposit deals that remain to have very competitive interest rates despite the recent cuts. The best interest rate belongs to their 18-month CD which gains 2.07% APY.

They have the following top cd rates:

2.79% APY 36 months
1.98% APY 24 months
2.07% APY 18 months
1.76% APY 12 months
1.51% APY 6 months

These interest rates are not posted on the bank’s website but we have called their customer service line to confirm the figures. You can contact them through 1888-sigline. They also have a special line for the hearing and speech impaired through 212-730-7038.

Interested consumers in New York can take advantage of the current interest rates by depositing an initial CD fund of $5,000. These are regular certificate of deposit offerings so the bank does not ask for extra requirements such as a checking account.

A visit to one of their branches may be necessary to open an account since they do not have an online application platform yet. They have branches spread across Manhattan, Brooklyn, Bronx, Queens, Staten Island, Westchester, and Long Island.

Details about early withdrawal penalties, channels for funding, and other factors which may affect your earnings are not explained on their website. Please make sure that you ask aout these things when you talk to the bank personnel.

BauerFinancial issued 5 stars when they reviewed the performance of the bank using their September 2009 data. Bankrate.com stamped 4 stars to their financial rating report using their June 2009 figures.

The bank is indexed with the FDIC since 2001 under certificate number 57053.

BankFirst Financial Services headquartered in Mississippi offers competitive interest rates for two of their certificate of deposit deals. The 18-month CD has a current interest rate of 2.00% APY which only requires $1,000 for an initial deposit. There is also a 9-month CD earning 1.50% APY which requires a higher initial funding of $2,500.

According to the bank’s website these top cd rates are accurate until January 5 but can be changed any time.

Interested consumers can take advantage of the best cd rates by opening an account through the branches of BankFirst. They have offices in West Point, Starkville, Shuqualak, Macon, and Columbus in Mississippi. They also have branches in Ridgeland, Madison, and Flowood which are suburbs of Jackson. There is also now an online application on their website.

The website does not detail the penalties involved for early withdrawals. You may contact the bank to inquire about the fees which may affect the earnings of your savings.

BankFirst has a long history dating bank to the 19th century. It has an average rating for soundness and safety. Bankrate.com issued 3 stars while BauerFinancial stamped 4 stars on their performance report.

The bank is covered by the FDIC with certificate number 8870.

Terrabank offers a local money in the bank deal for Miami through their very competitive cd interest rates:

These interest rates have an effective date of December 16, 2009 so it will be best to inquire for the latest top cd rates before you sign up for anything.

The minimum deposit needed to enjoy these highest cd rates is $2,500. The disclosure also states that you may make add-on deposits but according to the bank the rate of the add-on funds will not be the same as the original interest rate.

One positive side about this certificate of deposit deal is the mild penalties for early withdrawal. CDs with a term of a year or more only charges 90 days of earnings in case you decide to take funds out early.

You can visit one of Terrabank’s branches to open an account. They have offices in Hialeah and Miami, Florida.

BauerFinancial issued 3 stars for soundness and safety using their September 2009 figures. Bankrate.com sees the bank’s performance a little below its peer group and stamped their report with 2 stars.

The bank is covered by the FDIC with certificate number 26442.

Main Street Bank has a very attractive money in the bank deal through their certificates of deposit. The highest cd rate is being offered for their 2-year certificate of deposit now at 2.20% APY.

The best cd rates drop by a few basis points compared to the December rates but it remains very competitive. This certificate of deposit requires a minimum initial funding of $ 10,000. The current interest rate is listed on the bank’s website as of January 2.

The current cd rate for their 3-year CD is 2.50 APY and 12-month CD at 1.70% APY with a required initial deposit of $10,000.

We have confirmed that the top cd rates are being offered nationwide. Interested consumers can open the certificate of deposit by printing out an application from the website and sending it by mail or fax. Funding of the CD can be done by sending in a check or via ACH.

According to the customer service representative, the best cd rates will not be locked for you until the bank receives the application form. You can instruct the bank to give you a call in case the interest rates drop.

The earnings of the certificate of deposit can be paid via ACH. The bank imposes a six months of earnings as early withdrawal penalty for CDs with terms longer than 12 months. They give you 10 days of grace period to decide if you will roll the funds or take out the earnings.

The Main Street Bank has a four branches spread around Houston. It has a declared asset of around $427 million and deposits pegged at $360 million as of September last year.

The financial ratings of the bank are impressive. Bankrate.com gave 4 stars for performance while BauerFinancial issued 4 stars for soundness and safety. These evaluations were based on their June 2009 data.

The bank is covered by the FDIC with certificate number 24979. They have been indexed with the FDIC since 1984.

Commercial Bank offers their best CD rates for their two money in the bank CD deals. The 15-month certificate of deposit has a current interest rate of 2.25% APY while the 9-month CD special gains 1.90% APY.

The other top cd rates are also looking good for the long term certificates of deposit:

30 months 2.25% APY with a rate change option
36 months 1.65% APY
60 months 2.35% APY
72 months 3.22% APY with a rate change option

The highest cd rates can be enjoyed by opening the account with an initial deposit of $500 for the CDs with maturities of 1 year and over. Certificates with less than 12 months of term need initial funding of at least $2500.

The bank also has very competitive interest rates for their IRAs offered as either Fixed or Variable:

18 months 1.10% APY
36 months 1.65% APY
60 months 2.35% APY

The current interest rates were posted and effective as of December 23 but may be changed any time. Please note that the earnings of your savings can be affected by fees and penalties.

Interested consumers need to visit a branch to open an account. Commercial Bank has offices in Kentucky and Tennessee. They have branches specifically in Barbourville, Cumberland, Pineville, Lutrell, Kingsport, Knoxville, and Harrogate.

Commercial Bank receives fair ratings for its performance. Bankrate.com issued 3 stars while BauerFinancial stamped 3 ½ stars for their soundness and safety. These ratings were based on their June 2009 data. The bank is covered by the FDIC under certificate number 22354.

The CEF Credit Union offers their top cd rates for their members in Illinois and California. The highest cd rates are being offered for their two long-term money in the bank deals with the 5-year CD earning 3.50% APY and 4-year CD yielding 3.25% APY. These CDs can be opened with an initial funding of $1,000.

An additional 0.10% certificate of deposit rates can be enjoyed if you open a jumbo certificate for at least $100,000.

These interest rates are still posted on the credit union’s website as of December 30. These best cd rates may be changed any time. The current cd rates are also posted on the website of Valley Credit Union which was merged with CEFCU via the mediation of the NCUA last 2008. The Valley CU is now operating as a division of CEF Credit Union.

Interested individuals who want to take advantage of these CD deals can sign up for membership. Anyone who works or lives in the counties of Illinois are eligible. Valley CU welcomes people from Alameda, Contra Costa, and Santa Clara counties in California. You can refer to their membership pages so you can learn more if you qualify to join.

They also offer short term to mid term certificate of deposits with competitive interest rates:

6 months 1.25% APY
1 year 1.50% APY
18 months 1.76% APY
2 years 2.05% APY
3 years 2.76% APY
The credit union requires a membership fee of $1 and savings account balance of at least $5. Please inquire about the imposed early withdrawals penalties before signing up for anything. You can call them through their toll free customer service line 1800-542-3328.

The financial ratings of the CEF Credit Union are above average. BauerFinancial stamps their performance report with 4 stars while Bankrate.com gave 3 stars for soundness and safety. These ratings are based on their June 2009 figures.

The credit union is covered by the NCUA through charter number 68488. The CEFCU is a big organization with about $4 billion in assets.

Premier Bank headquartered in Chicago is offering their top CD rates for their certificate of deposit and IRA specials. The current interest rates are as follows:

12 months 1.65% APY
18 months 1.75% APY
24 months 1.95% APY
You can enjoy the best interest rates when you open an account with an initial funding of $5,000. If you will check the rate page of the bank on their website, you can click the piggy image on the right side of the front page.

Account holders must maintain the required daily balance to earn the top cd interest rates. The website does not detail the fees which may affect your earning so it will be wise to ask the bank prior to signing up.

Earnings of the account or compounded on a monthly basis. The interest rates that we have here may be changed any time. You can contact the bank for the latest figures through 847-920-1400 (Wilmette) or 312-432-1400(Chicago). There is also an online inquiry form on the bank’s website.

If you will look at the history of Premier Bank’s interest rates, a year ago they were offering a CD special with the highest interest rates of 4.40% APY. Notice how the interest rates dropped in 2008. The website does not indicate up to when the current money in the bank deal will end, hopefully not soon.

Interested consumers can acquire these certificates of deposit by visiting a branch. Premier bank has offices in Wilmette and Chicago, Illinois.

The bank gets some fair financial ratings. Bankrate.com and BauerFinancial both issued 3 stars for safety, soundness, and performance based on their June 2009 data.

Premier Bank is a member of the FDIC with certificate number 35419.

The Parke Bank Heritage Bank of Florida offers their certificate of deposit with best interest rates in the states of New Jersey and Pennsylvania. The money in the bank offering is their 15-month CD special which has a current interest rate of 2.00% APY.

The highest cd rates can be enjoyed if you open an account with a minimum funding of $500. These CDs are also available as an IRA. The other competitive interest rates are offered in the following money in the bank deals:

18-month CD 1.75% APY
24-month CD 2.00% APY
36-month CD 2.50% APY
Interested consumers can take advantage of these top cd rates by dropping by a branch and signing up for an account. Parke Bank has branches in Northfield and Sewell in New Jersey; and in Philadelphia, Pennsylvania.

Both the regular certificates and IRAs impose an early withdrawal penalty. This is not detailed on the bank’s website so it will be best to inquire about these factors which may affect your earnings before opening an account. You can call their hotline 1866-727-5325.

Parke Bank has strong financial ratings as issued by Bankrate.com and BauerFinancial. Both issued 4 stars for the bank’s safety and soundness. These are based on their June 2009 data. They are a member of the FDIC with certificate number 3488.

Heritage Bank of Florida is still pushing for their certificates of deposit with the following best interest rates:

9 months 1.77% APY
18 months 2.22% APY
2 years 2.53% APY
These top cd rates can be enjoyed with an initial funding of $500 for the 9-month CD and $1000 initial deposit for the CDs with longer terms. The interest rates are still on the bank’s website as of December 28 but they may be changed any time without notice.

The earnings of the certificates of deposit are credited on a daily basis and credited into your account on the last day of its statement cycle. You can also use your Heritage Bank of Florida CDs as collateral in case you want get a lower interest rate for a loan you are applying for with them.

The bank does not allow any additional deposits to be added to your savings until it is mature. They also give a 10-day grace period so you can decide if you want to takeout the funds or renew the CD.

The website does not detail the withdrawal penalties which may affect the earnings of your deposit. It will be wise to inquire with the bank before signing up for anything. You can reach their 24-hour customer service line through 813-909-0944.

A branch visit is necessary to open this money in the bank deal. Heritage Bank of Florida has branches in Tampa, Wesley Chapel, and Lutz.

The bank gets good ratings. Bankrate.com issued 3 stars for the bank’s performance while BauerFinancial stamped 4 stars on their soundness and safety report. These figures were based on their June 2009 data. The bank is covered by the FDIC with certificate number 35009.

SchoolsFirst FCU headquartered in California is celebrating their 75th Anniversary and invites members to take advantage of their CD best interest rates. The money in the bank deal is a 3-year certificate of deposit with current interest rates of 3.00% APY.

The top cd rates can be enjoyed by opening the CD account with a minimum funding of $500. The deposit is capped at $75,000. The best cd rates can also be enjoyed by acquiring it as an IRA.

The credit union also offers their highest cd rates through two Add-On CDs. You can add on to your CD deposit but it is limited to the amount of your initial funding. One good thing about this is that you can do multiple add-ons. One of these certificates of deposit is a 17-month CD that yields 2.00% APY. Another is a 7-month certificate that earns 1.50% APY.

Membership to the SchoolsFirst FCU is primarily based on employment. You can be qualified if you are working for accredited schools in Southern California. You can checkout the details of membership on their website.

The credit union collects a $15 membership fee which can be paid online. You will also be required to have a $5 share savings deposit to be a member.

The credit union has offices spread across Southern California particularly in Santa Ana, San Bernardino, Cypress, Fullerton, Cerritos, Irvine, and Anaheim.

SchoolsFirst Federal Credit Union has very good reviews with regard to its soundness. BauerFinancial stamps its report with 4 stars while Bankrate.com gave 3 stars for soundness and safety. These ratings are based on their June 2009 data.

The credit union is covered by the NCUA through charter #24212.

Consumers in North Carolina has another best CD rate offering through the 12-month special CD of Bank of Granite earning 2.25%APY. The bank also offers its top cd rates for its 6-month special CD yielding 1.75% APY. These require an initial funding of at least $5,000.

It seems that you need to visit a branch to open this money in the bank deal. Bank of Granite has branches in Charlotte, Wilkesboro, Granite Falls, Hickory, and Winston Salem in North Carolina.

The current interest rates are still posted on the front page of the bank’s website but they can be changed any time.

Bank of Granite also offers Solid CDs and RateBuster CDs which require a minimum opening balance of $2500 which are basically fixed and variable rate certificates of deposit, respectively. You need to call the bank to find out about the interest rates. You can reach them through 828-496-2000. You may also want to inquire about other factors like early withdrawal fees which may affect the earnings of your savings.

The high interest rates might be a good marketing tactic to attract more depositors. It may be worth the try but stay within the limits of the coverage of the FDIC. The financial ratings of the bank are a bit weak. BauerFinancial sees the bank as problematic and stamped 2 stars. Bankrate.com issued 1 star for its performance. These were based on their September and June 2009 data.

The bank is covered by the FDIC since 1934. It is indexed under certificate number 5950.

Commerce National Bank headquartered in Texas offers their highest cd rates for their 24-month CD. The current interest rate is pegged at 2.53% APY. This certificate of deposit deal can be opened with an initial funding of $1,000.

This cd interest rate is not listed on the website of the bank but we were able to confirm that this is being offered by the bank. We were informed that the interest rate that was tipped to us was still accurate as of December 3. The cd rates can be changed any time so it will be best to call the bank to confirm the g=figures before signing up for anything.

The bank imposes an early withdrawal penalty equivalent to 3 months of earnings for the 24-month CD. You can also get this CD as an IRA.
Commerce National Bank also offers an attractive yield for an 18-month certificate of deposit that does not impose any penalties. Its interest rate is a bit lower at 1.51% APY. Interested consumers can check out the CD offerings on the bank’s website but it will be a lot better if they will include the interest rates.

The early withdrawal penalty of 3 months is a good feature of the 24-month CD. Other banks usually charge 6 months of earnings if you take out your funds early.

If you decide to hold on to the CD for just a year, the yield will still be very competitive at roughly 1.90% equaling that of a 1-year CD.

There are no online applications available so it seems that consumers must go to a branch to complete the application process.

The financial ratings of the bank are above average. BauerFinancial stamped 4 stars for performance while bankrate.com issued 3 stars for soundness and safety. These ratings were based on their June 2009 data.

The bank is indexed with the FDIC under the name Lubbock National Bank but it seems they are appealing to a wider market with the Commerce name. The bank is insured with the FDIC under certificate number 22752.

The top cd rates being offered by Qualtrust Credit Union remain to be very attractive despite the recent drops in the market. Their highest interest rate is for their 5-year money in the bank deal through share certificate earning 3.56% APY. Another competitive CD has current interest rates of 3.30% APY.

Members can open a certificate of deposit account with a minimum funding of $1,000. The credit union also offers attractive short-term certificates of deposit:

12 months 1.66% APY
18 months 1.76% APY
2 years 2.27% APY
30 months 2.52% APY
3 years 2.78% APY
4 years 3.30% APY
5 years 3.56% APY

These CD interest rates are effective as of November 18. According to the disclosure, the dividend rates that you can find on the rates table will be in effect until maturity of the CD. The earnings of your deposit are compounded and credited to your account on a monthly basis. Earnings can be taken out as check or you can instruct the credit union to transfer it to your other Qualtrust account.

The APYs are pegged assuming there will be no withdrawals from the account. Any withdrawal may reduce your earnings. Early withdrawal penalty for CDs with terms of 1 year or less is 90 days of earnings. Any CD with longer terms has 180 days of dividends as penalty. The credit union gives account holders 7 days of grace period when the CD reaches its maturity. The CD will automatically renew upon maturity.

Membership to Qualtrust CU is open for those who live, work, or worship within a 10-mile radius of their offices in Tom Green County, Grapevine, or Irving. The credit union requires a $5 deposit into a share savings account. If you have any inquiries about membership or their products, you can contact Qualtrust through 800-330-3540.

The credit union has excellent financial ratings. Bankrate.com issued 4 stars for their performance while BauerFinancial gave 5 stars for soundness and safety. These figures were based on their June 2009 financial data. The credit union is covered by the NCUA through charter number 68569.

The Royal Asian Bank still pushes for their best cd rates. Consumers from New York, New Jersey, and Pennsylvania can enjoy the following highest cd rates:

12 months 1.75% APY
14 months 2.35% APY
17 months 2.50% APY

You can enjoy the top cd rates by opening an account with an initial deposit of at least $1,000. The interest rates above are still listed on the bank’s website as of November 18 but they can be changed any time.

According to the customer service representative of the bank, the certificate of deposit deals are available for people from any state. The fine print below the current interest rate page however says that geographic restrictions may apply.

A bank visit seems to be necessary to open an account. Royal Asian Bank has branches in Palisades Park and Fort Lee in New Jersey; Upper Darby and Philadelphia in Pennsylvania; and Flushings in New York.

The website does not detail any fee which may affect your earnings. You may want to inquire before you open any account with the bank.

The ratings of the bank are not that impressive. BauerFinancial stamped their report with 3 stars for performance while bankrate.com gave 2 stars which is below peer when it comes to soundness and safety. These ratings were based on their June 2009 data.

Royal Asian Bank is indexed with the FDIC. They are covered by certificate number 58196.

The First Community National Bank headquartered in Pennsylvania offers the best cd rates for their long term CD deals. The most competitive interest rates are the following:

3.25% APY 4 years
3.50% APY 5 years
4.00% APY 7 years

These top cd rates can be enjoyed by opening a cd account with an initial deposit of $1,000. This money in the bank deal is also available as IRA CDs. The bank used to push for competitive short-term certificates but the cd rates for these have gone down below 2.00%.

We browse through the certificate of deposit disclosures and you need to take note that the early withdrawal penalty for CD with maturities of 2 years or more is 6 months of earnings. Looking at the market today, most 7-year CDs are charged 12 months of interest when the account holder makes an early take out. The bank however clearly states on their disclosure that they have the right to refuse withdrawal prior to maturity of the CD.

Interested individuals may apply for the CD online. You can fund the certificate either by sending in a check or transferring money from your existing FCNB accounts. The CSR of the bank told us that you need to open a checking account with them to do this kind of funding. One down side of this is that you may miss the attractive rates if you need to apply for a checking account first.

Beneficiaries of the CD account can also be nominated after opening the account. You can only request this for the fixed rate regular CDs.

First Community National Bank is headquartered in Dunmore, PA. They also operate several branches in Lackawana, Luzerne, Monroe, and Wayne.

FCNB has some fair ratings. Both Bankrate.com and BauerFinancial issued 3 stars after reviewing its soundness and safety. The bank is covered by the FDIC through their certificate number 7472.

Wings Financial Credit Union has some very attractive certificate of deposit deals. The credit union also widened their scope of membership to include not only the airline personnel but all so those who work and live in the metro area of Minneapolis/St. Paul.

The highest cd rates are structured as follows:

1.95% APY 3 month
2.20% APY 6 month
2.60% APY 1 year
2.95% APY 2 year
3.05% APY 30 month (special)
3.10% APY 3 year
3.20% APY 4 year
3.45% APY 5 year

The current interest rates above are effective as of November 18. You can find them under the dividend rate column of the interest rate page for share and IRA certificates offered by the union. Notice the higher monthly APY being offered which can be accrued for certificates which have a deposit of more than $100K.

The website does not detail early withdrawal fees and other factors which may affect your earnings. You might want to ask prior to signing up. You may call them through 800-692-2274.

Individuals who want to open an account can apply online. The new membership guidelines accepting those from the 13 counties of Minneapolis/St.Paul Metro only took effect last month. The new coverage includes Wright, Washington, Sherburne, Scot, Ramsey, Isanti, Hennepin, Dakota, Chisago, Carver, and Anoka in Minnesota. It also includes St. Croix or Pierce in Wisconsin. You may check out their membership for details with regard to signing up.

The credit union also has offices in Washington, Georgia, Florida, Hawaii, Michigan, California, Tennessee, and Minnesota. Wings Financial Credit Union gets above average financial ratings. Bankrate.com issued 3 stars upon review of their performance while BauerFinancial gave 5 stars for soundness and safety.

Wings Financial has a member base of around 122,000 and a declared asset amounting to $2.2 billion. It is federally covered through the NCUA under charter number 68601.

The Mint National Bank invites consumers in Texas to take advantage of their top cd rates. The most attractive certificate of deposit deal is the 24-month CD with current interest rate of 2.50% APY. Another good money in the bank deal is the 12-month CD earning 2.10% APY. These best cd rates can also be enjoyed if you acquire the certificates as IRAs.

The bank also has some attractive cd interest rates for their other CDs:

36 months 2.65% APY
48 months 2.75% APY
60 months 3.00% APY

The interest rates above are still posted on the bank’s website as of November 18. Earnings are compounded on a daily basis and can be credited to your account on a monthly, quarterly, or yearly basis. Interest earned can be paid by check, rolled into the CD, or credited to an account.

The website does not detail the early withdrawal penalties involved. You can call the bank through 281-359-MINT to inquire about their products and services.

The Mint National Bank is a very young bank which started operations just last January. Its headquarters is located at 1213 Kingwood Drive, Kingwood, Texas. They’re just about 20 miles when you go north from Houston.

Interested consumers may need to visit their office to open an account. You might want to call first to know any restrictions before doing that long drive.

The bank is tagged as a start up company by both bankrate.com and BauerFinancial. The Mint National Bank is registered with the FDIC with certificate number 58764.

NIH Federal Credit Union is pushing for their 7-month CD special which has top cd rates of 3.00% APY with a direct deposit or 2.75% if you don’t inject a direct deposit. This certificate of deposit deal coincides with the 70th anniversary celebration of the credit union.

The highest cd rates can be enjoyed by opening an account with an initial funding of at least $10,000. The credit union sets a deposit ceiling of $100,000 for their CDs but this max does not apply for IRAs.

The current interest rate CD special is expected to run until January 2010. Members who want to open an account can do so using the online form or by visiting one of the credit union’s offices. They accept inquiries via 1800-877-6440.

NIH FCU welcomes individuals who belong to select employee groups and those who may qualify via family. There are also about 60 organizations affiliated with the credit union.

NIH FCU has branches in Washington DC and Maryland.

Bankrate.com issues 3 stars while BauerFinancial gave 4 stars for soundness and safety. The credit union is insured by the NCUA through charter number 3601.

Century Bank Direct is pushing for their best money in the bank deals giving the highest cd rates:

1.70% APY 5 month
2.09% APY 10 month
2.25% APY 15 month
2.35% APY 20 month

You can enjoy the top cd interest rates by opening the account with a minimum funding of $1000. The bank sets a ceiling of $100,000 for your deposits. The interest rate is paid on a monthly basis and you have an option to setup an automatic transfer to an outside account.

Interested consumers can sign-up for an account using the bank’s online form. You can complete everything in about 10 minutes according to the website.

The interest rates that we have here are accurate as of 18 November but these may be changed any time. Once the account matures, account holders are given 10 days to decide if they want to roll the money or withdraw the proceeds. There is also a cd redemption form that you can also complete online to close the account.

The bank imposes early withdrawal fees of as much as 180 days of earnings for CD with terms of over 12 months, and 90 days of interest for CDs that have shorter terms.

Century Bank Direct operates under the umbrella of Century Bank of Kentucky Inc. Their mother company is headquartered in Central Kentucky. It is a relatively small bank that has a declared asset of $116.9 million and about $100.3 million in terms of deposits.

The financial ratings of the bank are a bit weak with both Bankrate.com and BauerFinancial issuing 2 stars for its soundness and safety. Be wise and stay within the limits of the FDIC.

The bank is insured by the FDIC with certificate number 35460.

O Bee Credit Union based in Washington State offers a very attractive money in the bank deal through their 15-month certificate of deposit which has a current interest rate of 2.15% APY. The interest rate dropped compared to last month’s 2.50% APY. This highest interest rate can be enjoyed by opening the CD with an initial deposit of $500. This is also available as an IRA.

The credit union also pushes for their other CDs with the highest interest rates: 3 years (2.53% APY), 4 years (2.84% APY), and 5 years (3.04% APY). These best cd rates can also be enjoyed by opening acquiring the certificate for as low as $500 of funding.

Individuals who live, worship, or work in the Washington State may be eligible for membership. If you have relatives who are in Washington State, you may be also qualified to join. You can check the complete requirements and guidelines of the credit union on their membership page.

Those who want to take advantage of the top cd rates may open an account online. You can also access a membership application form through the credit union’s website. This application form will also allow you to select the current CD special. You may also drop by their branch to fill up and process an application.

Looking at how credit unions are in Washington State, it may be easy to qualify as a member. Some credit unions in the state though still require a branch visit to complete an account opening. Be sure to call the customer service line of O Bee if you are not living near one of their offices and ask if you can open the special certificate of deposit using their online platform. You may also want to ask for any fees which may affect the earnings of your deposits.

The credit union has offices in Lacey, Tenino, and Tumwater.

BauerFinancial gave O Bee Credit Unon 4 stars for their performance while bankrate.com stamped 3 stars for soundness and safety. They are covered by the NCUA through charter number 60059.

Consumers in Chicago can take advantage of the highest cd rates being offered by the South Central Bank . This special certificate of deposit deals are only available to new customers who live within a market area covered by one of their branches. The top cd rates are not listed on the bank’s website but we got the information from an email. We called the bank for additional information and we were give the following cd rates:

2.90% APY 9-month CD, $22K maximum deposit
3.00% APY 7-month CD, $12K maximum deposit
3.40% APY 5-month CD, $5K maximum deposit
3.00% APY 4-month CD, $30K maximum deposit
3.05% APY 3-month CD, $25K maximum deposit

The customer service representative is not so sure up to when these certificate of deposit deals will last so it will be wise to check with them first before signing up for anything.

The ceilings imposed on the CDs are on a per household basis. New customers are only limited to pick one of these cd specials to open. One plus note on this offer is that consumers are not required to open a checking account.

Interested consumers can open an account by visiting the branch nearest you. Only local customers are accepted by a branch so in case you don’t live close to one of their branches, you should call to check with regard to your eligibility. South Central Bank has five branches serving Chicago.

South Central Bank gets 3 stars from Bankrate.com when they reviewed its performance. BauerFinancial issued 4 stars for the bank’s soundness and safety. Both ratings were based on their June 2009 data.

The bank is insured with the FDIC through certificate number 19536.

Dime Savings Bank continues to offer competitive cd interest rates especially for their long-term certificate of deposit deals. The top cd rates that are very attractive in today’s market include:

2 Years 2.00% APY
3 Years 2.75% APY
5 Years 3.35% APY

These best cd rates can be enjoyed when you open their certificate of deposit with a minimum deposit of $500. The rates that we have here are accurate as of November 18. These interest rates may change any time without notice.

Consumers who want to enjoy Dime’s highest cd rates can fill up an application online. All you have to do is provide your personal information and fund the account by sending in a check or via ACH. The bank will verify your account and send you the details after 3 banking days upon receipt of the initial funding.

The cd interest rates will lock when you submit your application. Earnings are compounded on a daily basis and credited to your account every month and upon maturity. The bank charges six months of interest for early withdrawals. They give account holders 10 days of grace period when the account reaches its maturity.

This money in the bank deal is offered nationwide. If you want to know more about their products and services, you can call them through 1800-321-DIME.

12-month IRA CD special with current cd rates at 2.50% APY

We also got a tip from one of our readers that Dime Savings Bank is also offering an IRA Certificate of Deposit with current interest rates of 2.50% APY for a 12-month term. This IRA CD also requires at least $500 to open. This is not listed on the bank’s website.

We contacted the customer service line and verified this offer. Interested consumers can open this IRA CD by calling their hotline so the bank can send you the application form. There is no need for a branch visit but you can also visit one for a faster processing time. The CSR also informed us that the account holder can make additional IRA contributions until maturity and you will still be able to enjoy the locked in rate.

Dime Savings Bank has branches spread across the metro area of Greater New York.

The bank has some strong financial ratings. Bankrate.com and BauerFinancial both issued 4 stars when they reviewed its soundness and safety. The ratings were based on their June 2009 financial data.

Dime Savings Bank is covered by the FDIC with certificate number 16012. They have been a member of FDIC since 1943.

Security Savings Bank headquartered in Kansas offers their highest cd rates for their following certificates of deposit specials:

18 month 2.25% APY
23 month 2.50% APY
30 month 2.60% APY
35 month 2.90% APY
These best cd rates can be opened with an initial funding of $500. They are also available as IRA certificates. The interest rates are listed on the bank’s website as of October 22 but may be altered by the bank any time without notice.

The certificate of deposit can be opened even by individuals who are out of the state of Kansas. The bank prefers opening an account by phone and you can call them through 1-800-323-8958. For legal purpose they will require a copy of your identification and will ask you to accomplish a signature card. Application can also be done via fax or mail.

Please take note of the fine print on their interest rates page that the rates of the certificates may change after account opening. The bank also collects early withdrawal penalties.

Security Savings Bank has several branches in the metro area of Kansas City. They also operate offices in Salina, McPherson, and Wichita in Kansas. The bank is covered by the FDIC through certificate number 30898.

The financial rating of the bank is a bit low. They only got 2 stars from BauerFinancial and 1 star from bankrate.com. You can still take advantage of the attractive offerings just be wise and stay within the limits of the FDIC.

American Heritage Federal Credit Union offers a long list of attractive top cd rates. The best cd deal is the 15-month CD which has a current interest rate of 2.25% APY. There are also shorter term certificates offering the best cd rates. Members can get an 8-month term CD and earn 1.90% APY or 2% if you are a Legacy Club member.

You can enjoy these top cd rates with a minimum initial funding of $1,000. The certificates of deposit are also available as an IRA.

The current interest rates are listed on the credit union’s website as of October 20 but they can be changed any time without notice. It will be best to visit the site first for the latest figures prior to signing up for anything.

The earnings of the certificates are compounded on a daily basis and credited to your account every month. If ever you close an account before the end of a month, the dividends will no be credited to the account.

The website does not detail the early withdrawal penalties that the credit union imposes. You may call them through 800-342-0008 to ask about this and for any other specifics that you may want to know about their products.

The credit union also offers IRA and Term share certificates that you can open for $500. The interest rates though are lower by 0.10%.

American Heritage accepts applicants who worship, work, study, or live in Philadelphia, Pennsylvania and other parts of the state’s metro area. Someone can also qualify through select employee groups and via immediate family. Membership requires a deposit of at least $15 into a share savings.

The credit union has several branches across Philadelphia and the suburbs of Pennsylvania.

American Heritage FCU is insured with the NCUA through charter number 5621.

Chartway Federal Credit Union offers high interest rate premium certificate of deposit which earns 2.00% APY. This top cd rate deal can be enjoyed by having an initial funding of $5,000 at least through $250,000. You can get the special certificate of deposit interest rate if you have Preferred Plus, Premier, or Elite 50 Checking account. It also requires new money.

The CD rate for the special certificate is very competitive but what hurts the program is the requirement for a checking account. Chartway FCU gives you options which impose balance requirements to avoid a monthly service fee. It will not hurt you if you can maintain a balance of $2,500 for the Elite 50 or Preferred Plus checking to avoid a monthly fee of $10. The Premier checking needs a balance of $5000 plus maintenance of a direct deposit to avoid a $20 monthly fee.

This special current cd rate cannot be combined with any other promo. Early withdrawal penalties also apply.

The credit union also has some competitive cd interest rates that you can enjoy when you deposit at least $10,000. A 6-month deal earns 1.60% APY; 12 months 2.06% APY; 24 months 2.26% APY; 36 months 2.50% APY; and 60 months at 3.11% APY. These certificates also require Premier, Elite 50, or Preferred Plus Checking.

Chartway FCU welcomes sign ups from people who live, worship, study, or work in specific areas covered by their branches in Texas, Rhode Island, Florida, and Virginia. You may need to call the credit union to verify if you are within their market area since we received some reports that the regions are quite narrow.

Membership can also be done through select employee groups and schools. You can check out their website to see the list of qualified organizations and affiliated educational institutions.

Membership to Chartway FCU requires at least a $5 deposit into a share savings account. The credit union operates branches in New Jersey, Ohio, Florida, Texas, North Carolina, Rhode Island, Georgia, and Virginia.

Chartway has some decent ratings. Bankrate.com issued 3 stars for its soundness and safety. BauerFinancial stamped their performance report with 4 stars. These evaluations are both based on their June 2009 data. The credit union is covered by the NCUA through charter number 13242.

The FirstTier Bank is still pushing for their CD specials with top cd rates at 2.15% APY for the 12-month deal, 2.30% APY for the 18-month cd, and 2.50% APY for the two-year money in the bank deal. These require an initial funding of at least $1,000.

These special cd interest rates are not posted on the bank’s website but were promoted through Denver Post.

The interest rates for these CDs are paid on a quarterly basis. These certificates of deposit renew automatically when they reach maturity but the bank gives account holders a grace period of 10 days.

Early withdrawal penalties apply. CDs with a term shorter than 12 months are charged 3 months of interest. Any CD with longer terms may cost you 180 days or 6 months of earnings.

Interested consumers can open an account by visiting a branch of FirstTier. They have offices in Denver, Loveland, Parker, Louisville, Westminster, and Englewood.

FirstTier Bank has very competitive certificate of deposit rates but their ratings are a bit weak. They got 2 stars and 1 star from BauerFinancial and Bankrate.com, respectively, when they reviewed its performance using their June 2009 data.

It seems that a branch visit is necessary to open an account. They have offices in Parker, Boulder, Loveland, Louisville, Downtown Denver, Denver Tech Center, Country Club Village, and Church Ranch all in Colorado. You can also inquire about their products through 303-439-6868.

The bank is covered by the FDIC with certificate number 57646.