The STC Capital Bank in Illinois offers the best cd rates at 2.75% APY for a 6-month CD special. Account opening is limited to one person per household with a maximum deposit of $25000. Additional deposits can be made after opening the certificate of deposit account but it cannot exceed the $25K ceiling.

The cd rate for the promo is still posted on the home page of STC Capital Bank as of June 9. It will be best to call the number that comes with the ad, 630-377-1555.

It appears that interested parties must visit a branch to open an account. STC Capital Bank has offices in the St. Charles are in Illinois.

Based on the December 2008 data of BauerFinancial, the bank has good ratings with 5-stars issued for soundness and safety. Bankrate.com gave it 4 stars.

The bank is insured with the FDIC with certificate number 58127.

Pentagon Federal Credit Union is still running their long term certificates of deposit and offer the best interest rates possible at 3.50% APY for a three year term.

They also have 4-year deal with cd rates running at 3.75% APY. The 5- and 7- year term has the top rates at 4.00% APY. These rates may change any time so it will be best to call the bank before you sign up for anything.

The top cd rates can also be enjoyed as traditional or Roth IRA or as education savings certificate. Some of the account holders have shared their experience of being offered by the bank a 0.25% if the renew the matured CD.

People can open a certificate of deposit account online. If you are not in the service or do not qualify based on family or employer, you can still enjoy the best cd rates by joining the NMFA or the National Military Family Association. If you are a volunteer of employee of the Red Cross, you are eligible to sign up for the PenFed.

NMFA collects an annual membership fee of $20. People can sign up immediately for the PenFed after joining the NMFA. Membership to the NMFA does not need to be renewed to continue enjoying the benefits of being a PenFed member.

If you are not comfortable doing everything online, Pentagon Federal Credit Union has offices in several states including Texas, Missouri, Puerto Rico, Hawaii, North Carolina, Colorado, New York, New Jersey, Virginia, Maryland, and Washington DC.

PenFed has a hefty asset amounting to $13 billion. It is covered by the NCUA under charter # 227.

The Tennessee Commerce Bank still offers the top cd rates for several certificate of deposit deals. They have a history of good cd interest rates compared to the rest of the market. As of June 9 they offer the following:

The cd rates can be locked for 10 days after the submission of the application. The bank will require the applicant to send in copies of identification and accomplished forms. Opening balance requires $2500. These CDs can also be acquired as Roth or traditional IRAs.

Funding of the certificate of deposit can be done via ACH, electronic check, or wire transfer. Upon maturity, account holders can withdraw the funds and earning through the same channels. It will be best to ask the bank for details with regard to any fees involve.

The bank also gives 10 days of grace period upon maturity of the certificate of deposit in case the account holder decides to close the account.

Early withdrawal penalties apply for this account. The bank will charge 3 months of earnings will be taken for CDs with less than 2 years of term and 6 months of interest for certificates 2 years and over.

The Tennessee Commerce Bank is headquartered in Franklin, Tennessee. BauerFinancial issued a 3.5-star review while bankrate.com gave it 3 stars. The bank has assets amounting to $1.266 billion and deposits of about $1.108 billion.

TBC is insured with the FDIC with certificate number 35296.

Wilshire State Bank continues to offer their best cd rates for their 3, 6, and 12-month certificates of deposit. As of June 9, the 90-day CD earns 2.27% APY while the 180- and 365-day offers are very competitive at 2.52%

The top cd rates being offered by the bank can be enjoyed by consumers from any state who wish to get a good money in the bank deal.

For those who want to enjoy the highest cd rates, opening an account can be initiated through the bank’s website. According to the CSR though, consumers must print and mail in the application form after accomplishing the online submission.

It will also be best to call the bank to make sure you are getting the cd rates that you know of. The rates posted on their website are accurate but may change any time since the market is constantly on the move.

The customer service rep also clarified that they only do a ChexSystem verification when opening an account. The bank though reserves the right to do a credit pull if they think it is necessary.

The Wilshire State Bank is a Korean-American financial institution that started its operations in 1980 and is under the umbrella of Wilshire Bancorp Inc. They have 21 branches spread across four states.

GMAC Bank recently changed its name to Ally Bank . This was done amid all the news and buzzes circling the bankruptcy of General Motors. The website of the bank now points to ally.com. The bank offers the best cd rates for their new 9-month term No Penalty CD at 2.30% APY.

The No Penalty certificate of deposit can be considered very competitive even without the no penalty feature since rates are falling everywhere you look at. Interested parties can open an account online, via phone, or mail. The instructions to open an account can be found in the FAQ page of their website.

Consumers who open the no penalty money in the bank deal has the privilege of withdrawing the funds after six days of funding or any time there after without incurring any penalties. The withdrawal though must be done in full amount together will all the earnings of the account.

The bank has also made withdrawal of the certificate of deposit funds very easy for the account holders. They accept instructions over the phone, via regular mail or secure email.

GMAC is known to have a good customer service and ACH transfer facility. Linking your bank account to another account is relatively hassle-free.

The bank still offers the traditional CD’s with the top cd rates. One of the most competitive in the market today is their 1-year classic certificate of deposit which gains 2.49% APY.

We are not quite certain why but the bank scratched the minimum balance requirement to open a CD account. It is now $0. We are pretty sure though that not a lot of people would like to open a CD lower than $100 in balance since they logically will not earn anything from that.

The bank is FDIC insure with certificate # 57803. With the recent filing for Chapter 11 of GM, it will be safe to stay within the FDIC limits. Experts say that the event will unlikely lead to a bank failure.

Franklin Synergy Bank continues to offer their online certificate of deposits that has the highest cd rates of 2.78% APY for an 11 month term.

The term of the online certificate of deposit was recently changed from 5 to an 11 month period. The top CD rate is listed as 2.77% on the bank’s online products page but according to a customer service representative, the account earns 2.78%.

Consumers who are interested to open an account can do it online. They also offer the best cd rates for people from any state. An online application can be clicked on the eProducts page of Franklin Synergy Bank’s website.

The CSR was not able to supply much details about the application process. If you are interested to apply or confirm the certificate of deposit rates, please call them directly at 615-236-2265.

The bank is relatively new and opened business in 2007. They are headquartered in Franklin, Tennessee.

Franklin Synergy Bank is fairly a small bank with about $221 million of assets and deposits of about $173 million. BauerFinancial has not rated this bank yet. Bankrate.com gave it an initial rating of 3 stars which translates to a performing status.

The bank is covered by the FDIC with certificate # 58714.

Consumers are invited to take advantage of the competitive certificate of deposit rates offered by TotalBank at 2.55% APY. The top cd rates are for the 12, 9, 6, and 3 month online cd’s called the Total e-CD.

The minimum deposit to enjoy the best cd rates of the deal is $1000. The rates are effective as of 10 June but it will be best to call the bank to confirm. Interested parties can open an account through the banks website.

Another good money in the bank deal is the 7-month promo certificate of deposit offered by TotalBank with a 2.25% APY earning. New money is needed to open the account for $1000. Consumers can also enjoy this cd interest rate for the 11 and 13 month CDs. These promos are not online CD’s and require a visit to the bank.

Upon verification, a TotalBank customer service representative confirmed that people from all states can open an account. It was also clarified that the funds will only be locked upon receipt of the funding from the account holder.

The certificate of deposits can be funded through wire transfer, ACH, or by mailing in a check. The documentation of the account details that the interest of the CD are compounded and credited on a monthly basis.

The certificate of deposits also automatically renews but account holders have a grace period of 10 days if they want to close it down. Penalties for early withdrawal may be as much as 3 months of account earnings for 6 month terms or less. Deductions of as much as 50% of the earnings may be incurred by CDs over 6 months.

Account holders can opt for a cashier’s check or the bank may be instructed to initiate a wire transfer. Ifever you need help about online accounts, TotalBank can be reached at 305-232-4900.

The TotalBank has offices spread across the Miami-Dade County. The ratings of the bank are not that high with BauerFinancial issuing 3.5 stars while Bankrate.com gave 2 stars. TotalBank was acquired by banco Popular Espanol in 2007. It is insured with the FDIC with certificate number 21468.

The Park Cities Bank in Dallas put their best CD rates for their 24-month program which earns 3.20% APY and their 6-month special at 2.50% APY. These top cd rates can be enjoyed with a minimum deposit of $1000. The certificates of deposit are also available as an IRA.

The rates may change any time so it will be best to call the bank’s hotline before signing up for anything. The ones here are accurate as of April 13.

Consumers may have to visit one of Park Cities branches to open an account. They operate in Forth Worth and Dallas, Texas. Bankrate.com and BauerFinancial issued 3.5 and 3 stars, respectively, when they reviewed the bank’s performance using their September and December 2008 data.

Park Cities Bank is registered with the FDIC through certificate # 57057.

The Pacific Crest Savings Bank invites consumers from the Washington State to take advantage of their 3.10% APY top cd rates for their 10-month certificate of deposit special. This money in the bank deal requires the consumer to have a checking account that has a direct deposit link from Social Security or from a payroll account. The minimum deposit to enjoy the best CD rates is $500.

The bank also pushes for a 60-month CD with current interest rates of 3.50% APY. This one does not require a checking account or a direct deposit.

Consumers may need to visit a branch to open an account. The bank operates a small office in Lynnwood, Washington.

Pacific Crests was issued by bankrate.com and BauerFinancial with 4 stars when they reviewed its performance using their September 2008 data.

The bank is a member of the FDIC since 1998 with certificate # 34585.

Highest CD rates can be enjoyed by consumers of Center Bank in IL, CA, and WA . These top cd rates come a special deal for a 1 year Center Flexible CD that earns 3.40% APY and a 3.30% APY for a 6-month scheme.

These best cd rates for the taking have been advertised on the pages of the Los Angeles Times at the end of March and is still on the banks website as of April 13.

One of the readers shares that the account allows two withdrawals during the certificate’s term. It is too bad that the bank did not post any additional details on the ad and we only got a voice message on their phone lines.

It is safe to say that interested consumers should visit a branch to open an account. Center Bank has offices in San Diego, Los Angeles, and Orange County in Southern California. They run another office in Chicago, Illinois and two branches operate in the Washington State.

BauerFInancial gave a 4-star review of the bank’s performance based on the December 2008 data.

Center Bank is a member of the FDIC since 1986 with certificate # 26610.

Alliant Credit Union still offers competitive cd interest rates despite the recent rate cuts. They now offer the following top cd rates:

3.75% APY – 48 to 60 months
3.50% APY – 36 to 47 months
3.05% APY – 24 to 35 months
2.90% APY – 12 to 23 months

These money in the bank deals need a minimum funding of $25000. They are also available for an initial funding of $1000 with earnings that are lower by 15 basis points. Consumers can also avail of these CDs as Coverdell ESAs or as IRAs.

Alliant Credit Union welcomes members of the local and national PTA. The National PTA collects $25 membership fee while local PTAs may ask for lower membership fees.

It will be best to inquire if the union will be doing a hard credit pull upon application since some readers have reported that the union uses Equifax for this.

The credit union gets very positive feedback for their excellent customer service that is available all day long over the phone.

Alliant Credit Union has offices in Chicago, Elk Grove, Township, and Des Planes in Illinois. They also have branches in California, Virginia, and Colorado.

The credit union is covered by the NCUA through charter # 67955.

The Amboy Direct offers an add-on certificate of deposit through their eSavings Time Deposit that can earn as much as 2.50% APY for deposits of $10000 and higher. CD rates drop to 1.00% APY for accounts with $100 to less than $10K of funding.

The top cd rates are guaranteed for the rest of the 12-month term. This can be opened with a minimum deposit of $100. Account holders can add to the balance during the term of the certificate with a set cap of $100000.

It seems the bank is testing the market’s reaction to this kind of product. If you are an existing Amboy Direct client, you still need to go through the full application process. You can initiate one online. Funding can come from an existing account with another bank. The bank performs trial deposits and locks the rate upon submission of the application.

Early withdrawals incur 90 days of interest. Partial withdrawals from the account are not allowed. The account will be converted into an online savings account unless you give the bank instructions to renew it.

The great feature of the CD is its add on feature which allows you to open the account for as low as $100. It gives you the opportunity to increase the funds and the earnings when you have additional funds during the term of the certificate.

Amboy Direct operates under the umbrella of the Amboy Bank. BauerFinancial gave Amboy Bank a 2 star rating while Bankrate issued 4 stars after reviewing its financial soundness.

The bank is insured with the FDIC through certificate # 6423.

The Melrose Credit Union still offer competitive cd interest rates even though banks have cut the gains recently. Their best cd rates are ranging from 3.03% APY for their 1 year deal to 3.91% APY for their 5 year program. Other certificates gain 3.19% APY (2-year), 3.34% APY (3-year), and 3.49% APY (4-year).

These accounts require a minimum funding of $5000.They are also available as IRA certificates for a minimum deposit of $4000.

Jumbo certificates have best cd rates of 25 basis points higher than their regular certificates of deposit. This account needs at least $1 million of funding.

Some readers shared their experience with the slow account setup by the Melrose staff. Following up will be good so you can take advantage of the good rates before they drop.

Early withdrawal penalties appear to be 90 days of earnings for certificate of deposits for the 12 month deal. CDs which have longer than 12 months term will be deducted with 180 days of penalty.

The Melrose Credit Union welcomes individuals from any state who would like to sign up for membership. They can do this since they have an open NY State charter which does not restrict the affiliations by geography or group association.

Bankrate.com and BauerFinancial issued 4 and 5 stars, respectively, when they reviewed the financial performance of Melrose Credit Union using their September 2008 data.

The union has offices in Queens, New York specifically in Briarwood. Melrose is a member of the NCUA through charter # 62005.

The Consumers Credit Union invites members to take advantage of their top cd rates given for their special certificate of deposit programs. A 16-month deal earns 2.75% APY while the 59-month scheme yields 3.50% APY. A 9 month CD is also being offered at a competitive rate of 2.50% APY.

These highest CD rates can be enjoyed for a minimum deposit of $250 and can be invested through a regular CD or as an IRA. The earnings are compounded on a daily basis and credited monthly.

The Consumers Credit Union offer a very competitive deal with a lower than usual penalties for early withdrawal. They are only imposing 120 days of earnings as early withdrawal penalty while other banks usually take 180 days of gains.

Membership to the credit union can be done by signing up for the Consumers Cooperative Association with only a $5 fee. They also require a $5 share savings deposit.

An online application can be completed for both the association and credit union membership. New account holders will be able to fund the account through an ACH transfer. You can contact the credit union in case you have any trouble with the online application like some readers have reported.

Consumers Credit Union has offices spread across Illinois specifically in Volo, Gurnee, Round Lake Beach, Mundelein, and Waukegan.

The union recently joined the NCUA for its coverage through charter # 68588. Bankrate.com tagged their review of the performance with 3 stars.

The current cd rates at Wilshire State Bank remain very competitive at 2.53% APY for their 6- and 12-month certificates of deposit offerings. They also have a top cd rate deal for their 3-month CD at 2.27% APY. These best cd rates can be enjoyed for a minimum deposit of $1000.

Consumers can choose for interest rates to be credited upon maturity, semi annually, quarterly, or on a monthly basis. Account holders can also opt to have the earnings deposited to their accounts with other banks.

Additional deposits can only be done upon maturity of the account. Interests that have been credited can also be withdrawn only before maturity of the CD without application of the penalties.

According to the Wilshire website other restrictions apply for their certificate of deposit programs so it will be wise to inquire with their customer service prior to signing up.

Interested individuals can open an account through a safe online portal. Like other banks, Wilshire will require you to mail in the accomplished form and signature card. The bank usually does not pull a hard credit but may do so if needed.

They also have branches that can entertain your inquiries in Dallas, New Jersey, New York, and Southern California.

BauerFinancial and bankrate.com both issued 4 stars when they reviewed the bank’s financial soundness using their December 2008 data.

Wilshire Bank is insured with the FDIC through certificate # 23301.

The Webster Bank pushes for their 7-month certificate of deposit special expected to last until the end of April 2009. The highest CD rates of 2.75% APY can be enjoyed by accounts with a minimum balance of $5000.

The money in the bank deal requires new funding coming outside of Webster. The top cd rates can be enjoyed if an individual opens an account through April 30, 2009.

Like a similar best cd rates offering in October of 2008, this current certificate of deposit rates can be enjoyed by interested consumers from any state. According to the bank, they do not perform a hard credit pull upon application.

An online application can be clicked on the bank’s website. A new account packet will be sent by Webster Bank to the applicant. The applicant must accomplish the signature card and send it back to the bank together with a photocopy of his or her driver’s license or any valid ID. The check for initial funding must also be mailed back to the bank.

Webster Bank has branches in Massachusetts, Connecticut, Westchester County in NY, and Rhode Island. It will also be wise to inquire about early withdrawal penalties which may be imposed by the bank.

BauerFinancial have issued a 3 star rating for the bank when it reviewed its financial soundness.

The bank has assets amounting to around $17.4 billion. Webster Bank is insured with the FDIC through certificate # 18221.

The Danvers Bank in MA continues to offer the best cd rates for their special online 4-month certificate earning 3.00% APY. This certificate of deposit program can be availed of by residents of any state and it only takes $500 to open.

The application cannot be initiated on the rates table page but you can go to the free checking page and you will be walked through their online application powered by Andera.

Funding of the certificate of deposits can be made through ACH transfers from your existing bank accounts. Additional funding for the high interest certificate of deposit can be done upon maturity of the account.

There are also competitive regular and IRA cd rates offered by DBK. They have a 9 and 12 month certificate of deposit deal which gains 2.50% APY.

The rates are accurate as of April 1 and are expected to change any time. It will be best to call the bank for updated information prior to signing up for anything. Also ask for any fees or penalties which may affect the earnings of the certificates of deposit.

Danvers Bank has branches spread across Massachusetts. They have offices in Danvers, Boston, Wilmington, and Salem.

The bank has been in business since the mid 19th century and has been insured since 1985 with the FDIC through certificate # 90185.

The Hanmi Bank offers competitive certificate of deposit programs with their highest cd rates at 2.79% APY for a 12-month deal and at 2.53% APY for a 9-month scheme. These best cd rates can be enjoyed with a minimum deposit of $1000.

Hanmi also pushes for their shorter CD terms that consist of a 3-month term at 1.76% APY and a 6-month program that earns 2.02% APY.

The bank imposes a light penalty of 1 month’s interest for certificates that have 32 days to one year maturity.

These offers are good for California residents and it seems that a bank visit is required to open an account.

Hanmi Bank has offices in Los Angeles, San Diego, Irvine, Rancho Cucamonga, Santa Clara, and San Francisco in CA.

The outlook of Hanmi Bank for 2009 is not very bright having suffered badly in 2008. Reviews from bankrate.com and BauerFinancial range from weak to adequate. As a wise investor, stay safe within the limits of the FDIC.

The bank is insured with the FDIC under certificate # 24170.

Atlantic Southern Bank invites consumers to invest wisely through their highest cd rates programs which consist of 13-month CD Special with a 3.00% APY and a 7-month promo with 2,70% APY. These certificates of deposit require a $500. They are also available as IRA CDs.

The rate table on the bank’s website is dated 02 March 2009. The customer service representative of the bank informed us that they are still active but they do not know when this money in the bank specials will end. It will be best to call the bank first to know which rates you are locking in for.

It appears that a bank visit is necessary to open an account. Atlantic Southern Bank has offices in Warner Robins, Byron, Bonaire, Lizella, Macon, Savannah, and Rincon in Georgia. They also have a branch in Valdosta in Jacksonville, Florida.

The performance of the bank sounds good at 4 stars as rated by BauerFinancial and 3 stars by bankrate.com.

Since 2001, Atlantic Southern Bank is insured with the FDIC through certificate # 57213.

The US Bank is currently inviting consumers to check out their cd top rates for the special certificate of deposit promos. Posted on the bank’s website are competitive best cd rates of 3.50% APY for the 59-month program. They also have a 37-month CD which earns 2.60% APY.

These certificates require a minimum deposit of at least $1000 to open.

Similar promos from the US Bank have been posted on several news papers. Although the rates have fallen, they remain very competitive.

An online application facility is available for those considering these long term certificates of deposit. We encourage you to call the bank to know more about the ins and outs of these offers. Ask about early withdrawal penalties which can affect the earnings of your investments.

The US Bank is insured with the FDIC through certificate # 6548.

The First Priority Credit Union still offers competitive certificate of deposit rates through their 9-month special that earns 3.00% APY. There are also long term certificates that offer the best cd rates like their 12-, 16-, 18-, and 24-month CDs that yields 2.75% APY.

First Priority also push for their 3-year and 4-year top cd rates at 3.00% APY. Their 60-month money in the bank deal earns 4.25%.

These certificates of deposit require a minimum deposit of $1000 to open. It will be wise to call the bank to inquire about the fees which may affect the earnings of your investment.

The rates have fallen significantly in the last few months but what First Priority offers is still very competitive in the current situation of the market.

Membership to the credit union is open to residents and people who work in Suffolk and Essex County in Massachusetts. Individuals connected with the Postal Community as a retiree, employee, or by family are also eligible to sign up.

First Priority asks for a $25 minimum deposit to a share savings account upon membership.

The credit union has offices in Waltham, Lowell, East Boston, and East Boston in MA.

First Priority Credit Union is covered by the NCUA under charter # 66593.

The Alliance Bank invites consumers to take advantage of their highest cd rates through their 18-month CD special that earns 3.25% APY. The promo is still on the bank’s website as of April 2, 2009. This top cd rate requires a minimum opening deposit of $2500.

Interested individuals may visit one of their branches to apply for this certificate of deposit. It will be best to inquire about the fees applicable to the investment and for any withdrawal fees not disclosed in the promo page.

Alliance Bank has offices in Virginia and the suburbs of FairLakes, Annandale, Ballston, Manassas Park, Tysons Corner, and Reston in Washington DC.

The financial soundness of this bank doesn’t get a very good feedback from BauerFinancial and bankrate.com which both gave 2 stars. It will be best to stay within the limits of the FDIC.

Alliance bank is insured with the FDIC through certificate # 34664.

The NorthEast Community Bank in New York still offers very competitive CD rates despite the drop in the recent weeks. Their 12 month deal has the top cd rate of 2.53% APY. This only requires a minimum balance of $1000.

They also have longer term cd’s with the best interest rate at 2.79% APY. Consumers can choose from 18 months to 60 months with the minimum deposit requirement of $500.

Interested individuals can fill up an application online and the bank will send a letter after a few business days. It appears that people from any state can take advantage of this money in the bank deal.

It may be wise to visit one of their branches to confirm how you can lock the posted rates and the fees which may affect the earnings of the certificates. NorthEast Community Bank has branches in Bronx, White Plains, Brooklyn, and Manhattan in New York.

The bank is insured with the FDIC with certificate # 29147. Bankrate.com and BauerFinancial both gave the bank 5 stars when they reviewed its financial soundness.

The best CD rates are still being offered by the Self Reliance New York Federal Credit Union for their certificates of deposit. The rates might have fallen but they remain very competitive. These consist of 3.40% APY top CD rate for their 2-year program, 3.30% APY for 18-month, 3.50% APY for 3-year CD, and 3.75% APY for a 60-month special.

There are also short term certificate of deposits also earning at top cd rates. A 3-month certificate yields 2.50% APY, 6 month CD at 2.60% APY, 9-month promo at 2.75% APY, and a 1-year certificate earning 3.25% APY.

These certificates require a minimum deposit of $500.

Members of the Selfreliance Association of American Ukrainians are eligible to enlist with them. This association accepts people with Ukranian descent either by marriage or birth, members of other Ukrainian organizations, and attendees of Ukrainian religious communities or parishes.

The Self Reliance New York Federal Credit Union collects a $5 membership fee and asks for a minimum deposit of $50 into a share account.

Self Reliance is headquartered in New York with offices in NY City, Kerhonkson, and Uniondale in New York.

The credit union received good reviews from BauerFinancial and bankrate.com which gave it 5 stars and 4 stars, respectively.

The union is a member of the NCUA through charter # 7217.

The Progressive Credit Union offers several good deals with their very competitive CD rates. A 6-month certificate of deposit earn 3.29% APY, 1-year CD has the best CD rate of 3.75% APY.

Other best CD rates are offered as follows: 15-months at 3.87% APY, 18-months at 3.80% APY, 2-year at 3.91% APY, 3-year CD at 4.07% APY, and 5-year top CD rates at 4.32% APY.

The rate’s table has a January date but according to the CSR the offers for their highest CD rates have been updated and are still active.

Membership to the Progressive Credit Union takes an unusual turn where it requires a referral from another member to be eligible to join them. A letter of recommendation from another member is a basic requirement prior to a sign up.

This young credit union has only around 7000 members. Membership has a fee of $2.50 and asks for a $10 deposit.

The office of Progressive is in New York, New York. It is a member of the NCUA with charter # 60064.

The Connexus Credit Union is offering their top cd rates for special CD promo at 3.00% APY. The program is called March Madness but it is still on the promo page of their website. The account needs an initial funding of $1000.

There are also other certificates of deposit that are given at their best CD rates: 6- month CD for as high as 2.40% APY, 12-month at 2.75% APY, and 5 year CD’s for as high as 4.00% APY.

The credit union accepts members of the Connexus Association for sign up. This association is open to all for a donation of at least $5 to their scholarship fund.

The Connexus Credit Union is headquartered in Wasau, Wisconsin. It is a member of the NCUA through charter # 66538.

The Delta Community Credit Union maintains their top cd rates competitive in a very tough market. The rates have fallen over the past few months but are still good money in the bank deals starting with their 12-month program at 2.85% APY.

Other certificates of deposit are offered at highest interest rates including their 2-year deal at 3.05% APY, 3-year CD at 3.15% APY, and 60-month scheme at 3.50% APY.

These best CD rates can be enjoyed for a minimum deposit of $1000.

The Delta Community Credit Union also imposes a mild penalty for early withdrawals at 31 day earnings for CD that has a maturity of 1 year or less, and 3 months of interests for certificates that have maturities of more than 12 months.

Members of the Getting Ahead Association are eligible to sign up for membership with the credit union. The association appears to welcome individuals from any state and only collects a $5 membership fee.

Residents of some Georgia counties in the metro of Atlanta may automatically qualify to join the credit union. There are also select employee groups and membership via family.

The membership with Delta Community requires a $5 deposit into the savings account.

The union encourages people to visit their offices so their membership applications can be processed faster. Delta Community Credit Union has branches spread across the Metro of Atlanta and also has offices in Cincinnati, Kentucky; Soutlake, Texas; and Salt Lake City, Utah.

The union has positive feedbacks from the BauerFinancial and bankrate.com which both gave it 5 stars based on their September 2008 data.

Delta Community Credit Union is covered by the NCUA under their charter # 66357.

The 59-month certificate of deposit of the US Bank offers the best cd rates at 4.00% APY. They also have other competitive programs like the 37-month special earning 3.00% APY and their 13-month deal that gains 2.15% APY.

The certificates are available with a minimum deposit of $1000. The interest of the money in the bank is paid on an annual basis and upon maturity.

You have to closely read the terms for this account since the withdrawal penalty is a bit stiff. The disclosure reveals that the 59 month CD early withdrawal penalty is equal to 29.5 months of interest.

Compared to other offerings, typically early withdrawal penalties are only up to 6 months of interest. These penalties are very important since with the current financial environment, rates may dramatically change. If interest rates suddenly shoot up, you can save a lot of money when you want to transfer the funds to a better earning account.

Online application can be accomplished by those who already have a checking account with the bank. The bank will use this link to fund the certificate of deposit. They do not accept checks send via mail.

Those who do not have a checking account with the bank need to drop by a branch to open the account. They have branches in several states.

The US Bank is doing well amid the financial crisis. The bankrate.com rating was given as 4 stars. BauerFinancial gave a review of 3.5 stars.

The US Bank is insured by the FDIC with certificate # 6548.

The First Trade Union Bank invites consumers to take advantage of putting their money in the bank through very competitive certificate of deposits that has the following current cd rates: 2.85% APY (13 months), 2.90 % APY (18 months), and 3.30% APY (36 months).

These certificates of deposits require a minimum opening deposit of $500. According to bank representatives, these top cd rates can be enjoyed by people from any state. These are also available as IRA CD’s. There are also other tiered certificates but those mentioned here are the most competitive looking at the current market rates.

The fine prints on the rates page of the bank discloses that the rates may change after opening of the account. The 3 year certificate of deposit credit and compounds interest on a monthly basis. The 18 month cd credits and compounds interest on a quarterly basis.

Application can be started online through a secured portal. This also allows for funding of the account via ACH transfer. An acknowledgment part during the online application will force one to tick a box which is like agreeing to third party consumer reporting. It will be best to check with the bank if they will do a hard credit pull upon application. You can also ask about early withdrawal fees which will affect the earnings of the certificates of deposit.

The First Trade Union Bank is headquartered in Boston with branches in New York, Rhode Island, and Massachusetts.

The bank has excellent ratings from BauerFinancial and bankrate.com which issued 5 and 4 stars, respectively, when they reviewed the financial soundness of the bank using their September 2008 data.

The bank is covered by the FDIC with certificate # 32551.

The America West Bank is pushing for their best cd rates in their promo giving 3.03% APY for their 1 year CD special. The account requires a minimum deposit of $25000.

The highest cd rates program is still posted on the web page of the bank and is due to expire by the end of March.

A branch visit is necessary to avail of the certificate of deposit. The bank has branches across Utah specifically in St. George, Draper, Ogden, Murray, and Layton.

The bank promotes itself as a member owned bank. America West Bank is insured with the FDIC through its certificate # 35461.