Among the most competitive CD rates offered in the market today is First Choice Bank’s 1.75% APY Certificate of deposit. However, what really puts it on top of its peers is its short maturity period. In 365 to 540 days, you can already earn this top yield. There are also lower certificate of deposit rates which are still considered top CD rates if only for their short maturity periods.

The 1.60% CD rates earned for a money in the bank deal that runs for 288 to 365 days is one of the best CD interest rates in the country today. If you’re looking for something just as competitive, then you’ll do well to look at the bank’s shortest CD deal. This runs for only 183 to 287 days, and could earn up to 1.35% APY.

Certificate of Deposit rates tend to fluctuate, though, so it’s better if you check their rates table first before opening an account. According to the phone banker, you will also have to visit one of their branches if you’re opening an account with them for the first time. Make a call, first, to find out what the document requirements are.

Make it a point to visit the bank’s website to check for the latest interest rates since these numbers can be changed any time without notice.

Currently, the First Choice Bank have branches in the suburb areas of Los Angeles, namely, Alhambra and Cerritos. This would be an excellent deal if only the bank fared better in the safety and soundness ratings. This isn’t the right deal for those who are looking for financial institutions with stable financial backbones. The bank’s scores are a bit below average. Bankrate.com gave them only two out of five stars, while BauerFinancial.com gave them three out of five stars.

If you’re willing to take the risk, you’d probably be comforted by the fact that the bank is federally insured. It is a member of the FDIC, and you can confirm this through FDIC Certificate #57966.

Service Credit Union , which offered only a limited membership, is offering a highly competitive CD deal. This is their 3-year 2.25% APY CD which is unquestionably one of the best CD rates in the market today. Most CD deals with similar yields run for about 4 to 5 years. This CD deal is tempting because the maturity period is only a short 3 years.

The credit union is also offering a number of other CD specials which can also be put among the highest CD rates today, but are probably not as edgy as their 3-year CD. For those who are looking for short term CDs, the credit union’s 10-month certificate of deposit should prove to be very interesting. This yields as much as 1.55% APY.

For long term CDs which fit the bill of great retirement plans, the 5-year CD IRA which yields a generous 3.00% APY is a good choice. Among IRA CD deals in the market today, this remains one of the most competitive Certificate of Deposit rates.

As most top CD rates go, though, these specials are bound to have fluctuating rates. Make sure that you’re only opening an account with them at the best time by checking the rates page first before your application. You make also want to look at the penalties involved for early withdrawals. These penalties tend to be pretty hefty, especially when you’re opening a long term CD.

The minimum deposit for all of these CD specials is $1000. There is no cap deposit, which means that you can put as much money in the bank as you want without the bank limiting your yields. The more you keep in their safes, the more you earn in the long run—as long as you wait till the date of maturity.

The credit union is open to those who are working and residing in New Hampshire and Falmouth, Massachusetts. Those who are veterans of the US Army, as well as their family members, may also benefit from the credit union’s generous CD deals. To become a member, you need to maintain $5 in a shares savings account. The specifics of these requirements may be found at the membership page of the credit union.

To open an account, you also have to visit one of their branches. These branches can be found in Epping, Bedford, Lebanon, Keene, Portsmouth, Newington, Rochester, Manchester, Somersworth and Salem. These are all in New Hampshire. In Massachusetts, the lone branch is in Falmouth. Interestingly, in Germany, you’ll also see branches of this credit union, probably to service US Army men who are appointed in that area.

Despite its stringent membership requirements, the ratings of the credit union are quite strong. They received 5 out of 5 stars from BauerFinancial.com, and 4 out of 5 stars from Bankrate.com. They also have federal insurance, care of their membership with NCUA under NCUA Charter #68375.

While the minimum deposit is somewhat hefty at $50,000, the 5-year CD at the Community Bank still has one of the top CD rates in California. Its IRA CD equivalent, earning the same yield, has a less stringent minimum deposit at $500. If you don’t wish to apply for an IRA CD, and you can’t afford the $50,000 minimum deposit of the top yield, there’s another option.

There is another CD being offered with a minimum deposit requirement of $2,500, but the yield isn’t as competitive. You’ll be earning only 2.28% APY with this CD. Before opening an account, you may want to double check the bank’s rate page first. As with even the best CD rates in the market, the rates can change overnight. You would want to invest your money on only the highest yielding CDs in the market.

You may also want to inquire about the early withdrawal penalties. These aren’t posted on the bank’s website, and as long term CDs go, the penalty may be hefty. Inquire about it first before opening an account to avoid losing money in the long run.

The good news is that CD deals offered locally tend to be more stable than its national counterparts. If you reside or work in California, this could be the best CD deal for you. You’ll also be happy to know that the bank’s safety and soundness ratings are pretty impressive. BauerFinancial.com gave the bank four stars out of five, while Bankrate.com gave them three out of five stars.

To open an account, simply visit their branches at LA cities, mostly those designated in the state’s metro area. These cities include Burbank, Glendale, Pasadena, and Anaheim. The bank has been a member of the FDIC since 1983. The Community Bank in California is federally insured under FDIC Certificate #24315.

The good news is that it’s one of the best CD rates offered in the country today. The bad news is that it’s only offered locally, in Massachusetts. Nuvo Bank & Trust Company is offering a 3.045% APY 5-year CD, which is a competitively high yielding CD despite its long term lockdown period. The rate is applicable for deposits of up to $250,000.

Interest rates vary for deposits exceeding this amount. To open an account, you have to make a minimum $1000 deposit, which is a fair amount for this yield range. The interest rate, as with most certificate of deposit deals, is also compounded on a daily basis. The website doesn’t indicate penalties for early withdrawals of the fund, but it’s best if you inquire about this before opening an account.

You need to read the fine prints for any money in the bank deal, so you better make sure that the CD account you’re opening doesn’t have penalty fees that are to hefty. Five years is a long time to wait for maturation. If you have to pay a fine for early withdrawal, you might as well be fully aware of it.

Also remember that top CD rates tend to fluctuate without warning. Check the bank’s rate pages first before opening your 5-year CD. Who knows, at the time of your application, the shorter term CDs might already have more competitive yields.

Soundness and stability can also be an issue for someone who’s opening an account with the bank for the first time. Just in case you’re not aware of it yet, the safety and stability ratings of the bank are a little varied. While BauerFinancial.com doesn’t rate the bank at all, Bankrate.com gave it a 3 out of five. Other less recognized reviewers gave the bank as high as a perfect score, too.

This is a fairly expected feedback from a new bank. Nuvo Bank has only been around for a little more than two years. Gaining its FDIC membership in 2008, it is federally insured under FDIC Certificate #58621.

A high yield, a short lockdown term, and a low minimum deposit—what else can you ask for from one of the top CD rates in the market today? If you’re lucky enough to be eligible for a Florida State University Credit Union membership, apply for their 12-month CD. This account has one of the best CD rates in the country at 2.00% APY. Most CDs in this yield range take 15 months or more to mature.

The minimum deposit for this CD is average. You’ll also have to shell out $1000. For a short term CD, the yield is quite competitive. If you should decide to withdraw the funds earlier, you’ll have to pay 90 days’ worth of interest rates. That’s not really so bad, as long as you keep the money in the bank until the fund matures.

The credit union is also offering two more special certificates of deposit. One is a 30-month CD with earns 2.20% APY, and the other is a 5-month CD which earns 1.25% APY. Between the two specials, the shorter term CD seems more competitive. Details about the two CDs can be found on the bank’s main page.

Another interesting bonus for the 12-month and the 30-month CDs is the additional 0.25% interest rate added to the earnings if the account also holds a checking account with Booster Benefits, or Champion’s Choice Platinum Level, usually given to the university’s alumni. Just visit the credit union’s checking account page for qualifications.

As most credit unions go, only selected individuals may open accounts at the FCU. The full details are posted at the membership eligibility page of the credit union. To summarize, though, only graduates, employees, and students who reside or work within the areas of Jefferson, Liberty, Franklin, Gadsden, Bay Counties, and Wakulla, can benefit from these top CD rates.

You can also visit the credit union’s branches at Crawfordville and Tallahassee, Florida, if you want to speak to a banker in person. If you are eligible for membership, the fact that the credit union’s ratings is above average is good news. BauerFinancial.com gave the credit union 4 stars, while Bankrate.com rated it with 3 stars.

The credit union is a member of the NCUA (under NCUA Charter #67874) and is federally insured.

Are you on the lookout for a short term certificate of deposit with a competitive yield? If you are, then the 15-month CD at Farmer’s Bank , Tennessee would probably interest you. For a minimum deposit of $1000 (which is the average minimum deposit for the best CD rates in the market today) you can enjoy this high annual percentage yield.

Read the fine print when you get this account as well, because apparently, you should have your earned interest deposited to your checking or savings account before you’re eligible for the 2.00% APY. According to the terms of the account, the yield drops to 1.95% (still not a bad deal) when you opt to have your interest paid through check.

This is a special CD account which has been posted on the bank’s website since August 6, 2010. Rates for top CD rates tend to change frequently, so you should double check the details before opening an account. Just a year ago, an account holder at the bank’s branch in Portland claimed the Farmer’s Bank accepts deposits out of Tennessee. Those who wish to open an account might still want to inquire through the bank’s website email database.

Those who reside outside the local areas of the bank’s branches may want to make sure that they can make deposits out of the bank’s covered vicinities before they open an account. Currently, Farmer’s Bank has branches in Millersville, Portland, Springfield, Ridgetop, Crossplains, Westmoreland, and Whitehouse.

Aside from having one of the best CD rates in Tennessee, the ratings fetched by Farmer’s Bank are also pretty fair. BauerFinancial awarded them 3.5 stars, which is a good rating, while Bankrate.com gave them 3 stars, putting them in a “performing” category. The bank has also been here for quite a while. Established in 1934, it is federally insured and is a member of the FDIC. For more details, look for the FDIC Certificate #1696.

While the CD rates this week from Eastman Credit Union aren’t spectacularly impressive, they’re nonetheless competitive. The most attractive of the lot is the 3 to 4-year Investment CD. The yield, which is 2.50% APY, is certainly more competitive that the shorter termed Investment CD, which earns 1.75% APY for 1 to 2 years. The minimum deposits for both CDs are pretty friendly at $1000 each.

If you want a CD that doesn’t have a long lockdown term, though, you will have to settle for a lower yield, at 1.35% APY, and a higher minimum deposit, at $2500. The shortest term for this batch of top CD rates is 180 to 364 days. This is also a good deal if you think you can hold up on excessive shopping for about a year.   

Of course, it’s always advisable for you to check the credit union’s rate table before opening an account. CD rates tend to rise and fall without any warning, especially those which are offered to more than one state. While the credit union doesn’t cater to account holders nationwide, they do entertain applicants from certain parts of Tennessee, Virginia, South Carolina, and Texas.

You may want to check the credit union’s membership page to see if you are eligible. A branch visit is required to process your membership and to open an account. The main branches of this credit union can be found in Arkansas, as well as the eligible states we’ve mentioned earlier. For a pretty young credit union which was only established in 1993, the Eastman CU has impressive ratings.

According to the latest ratings from BauerFinancial.com and Bankrate.com, the credit union is one of the most stable among their peers. BauerFinancial.com gave the credit union a perfect rating with five out of five stars, while Bankrate.com gave them four out of five stars. The Eastman CU is insured by NCUA. You can verify this claim through NCUA Charter # 68095. The credit union presently has $2.33 billion worth of assets. 

The best way to look for stable CD rates is to ask for them from your own local banks and credit unions. Those that are being offered nationwide tend to fall within the week. The top CD rates of NMTW Credit Union is a different story, and probably this is because their 2.45% APY 33-day add-on CD and 1.25% 13-month add-on CD are only offered to those who work and live in Massachusetts and New Hampshire.

It’s a happy day for those who are qualified to be members of the credit union. These add-on CDs only require a minimum deposit of $500. Aside from the attractive Certificate of Deposit rates, it also allows two withdrawals to be made within the CD term, so you won’t have to worry about early withdrawal penalties in case of emergencies. You just need to make sure that they really are emergencies.

Aside from the add-on CDs, the credit union also offers IRA CDs with similar, if not slightly higher rates. According to today’s rate table, the 33-month IRA CD earns 2.55% APY, while the 13-month IRA CD earns up to 1.35% APY. In both the add-on and the IRA CDs, the longer 33-term CDs are more competitive.

While these rates have remained steady as rocks since last week, it’s always best for you to check the credit union’s website first before going to the branch to open an account. In this economy, even the highest CD rates aren’t safe from sudden drops, anymore.

For the complete membership details, visit the credit union’s webpage. Generally, though, they accept anyone who studies, works, or lives in Essex, Middlesex, Norfolk and Worcester (Massachusetts), as well as Hillsborough and Rockingham, New Hampshire. 

Just in case you’re concerned about the credit union’s stability, you shouldn’t be. According to the most recent ratings, they’re superior to most of their peers. Bankrate.com gave the credit union 3 out of five stars, while BauerFinancial.com gave them a perfect score with five stars. The credit union is insured by NCUA under Charter #66365.

While the CD rates aren’t exactly spectacular, the long term CDs offered at EEECU for Texas is pretty competitive. Their five- year (60 month) CD earns up to 2.75% APY, and their four-year (48 month) CD earns up to 2.35% APY. If these rates stay there for a long time, it’ll mean good news for the credit union’s members.

Of course, even the highest CD rates in the market tend to fall without warning, so it’s always advisable to check the website first for updates. You wouldn’t want to sign up for anything lower than that. The good news is, the CU is limiting this account’s availability to Texas. Local CD rates generally tend to be more stable than those which are offered nationwide.

These rates experienced a significant drop since last week, so it’s really wise for applicants to check for rate updates. According to the website, the minimum deposit requirement for this account is only $1000. The Jumbo rates aren’t as competitive, hiking up the yield by only 0.10% APY for both accounts. The minimum deposit accounts for the Jumbo CDs are also steep at $50,000.

The credit union opens its doors to any individual who works or lives in Parker, Johnson, Tarant, Hood, or Palo Pinto. To become a member, you have to open a savings account with them and maintain at least $5 in it. The credit union’s website has a list of the membership details. You may want to look at it first before visiting any of their local branches.

Branches of the credit union can be found in numerous cities in Texas as well as Arlington, Fort Worth, Saginaw, and Burleson. Just in case you’re worried about the falling rates and you think the CU might be a bit unstable, it’s time to shake off your doubts.

They actually scored quite well in terms of financial health and stability. BauerFinancial.com gave the credit union a perfect five out of five stars for this category, while Bankrate.com gave them a rate four out of five rating. EECU is insured under NCUA Charter # 67928. Presently, they hold $1.09 billion worth of assets.    

There are two ways to look at CD rates—their lockdown terms, and their yields. In these two categories, the 1.70% APY 12-month CD offered at RTN Federal Credit Union certainly fit the bill. Not only is it one of the best CD rates today, it’s also the highest yielding in its bracket. Most high CD rates have long lockdown terms—some of them even lasting for five years. With a 1 year CD like this one, how can you go wrong?

Probably the only downside is the high minimum deposit. To open this account, you need to deposit at least $50. The credit union also has a CD which requires only $1,000 to open, but the yield here falls to 1.20% APY which is not as competitive. IRA counterparts of the CD are also available, and the CU posted their rates for these accounts on their website, if you’re interested.

It’s true that last May, this rate was much more attractive. The account earned 2% APY. Unfortunately, that high yield only lasted for a few weeks. Now, it’s down to 1.76%, which is, ironically enough, one of the top CD rates this season for a 1-year term. There’s a strong possibility that this rate won’t last, either, so you should check the website first before opening an account. Also, because it’s a credit union, only select individuals are eligible for the account.

Aside from the CU’s CD rates, check out their membership requirements as well. These are also listed on the website. Employees of specific companies and members of certain organizations are currently supported by this credit union. Among the most notable organizations are the Waltham Historical Society, and the Gore Place Society. As with the current CD rates, the membership eligibility can change any time. You should check with the credit union first if your organizations or companies are still listed.

If you live in Massachusetts, it’s best for you to pay one of the CU branches a visit. Make sure that you bring official ID (photo and social security) with the documents proving your eligibility for the program. If you’re sending your application documents through mail, you have to have your signature notarized and your documents properly appended.

The RTN Federal Credit Union was first established in 1987 to cater to Raytheon employees. This explains why most of their branches are located inside the company’s facilities. Today, though, the CU has branches located at Marlborough, Waltham, Tekksbury, Danvers, and Amesbury. Their health ratings seem to be mixed. While Bankrate.com only gave them three stars out of five, they received a perfect five out of five from BauerFinancial.com.

RTN Credit Union is federally insured by NCUA. If you want to verify this information, just look for the NCUA Charter #24311. 

Do you think that these attractive CD rates have been limited to specific states for too long? Flagstar Direct just posted two very attractive CD rates that are available nationwide. How? They’re offered online. Internet CDs are very convenient because you don’t need branch visits to open them. You just need to sent copies of your IDs, click a button, provide the funds, and you’re done.

The more attractive deal between these two internet CDs is the 1.55% APY 12-month CD. This is one of the highest CD rates this season, considering the short lockdown term. The other internet CD, which is the 1.25% APY 6-month certificate of deposit, is also attractive although not as competitive. It’s an easy way to earn that APY, though, without suffering the long wait.

The minimum deposit for both CDs is low enough at $500. This makes it even more accessible to everyone across the USA. However, top CD rates offered nationwide tend to rise and fall without much warning. Make sure that you check the bank’s website before you open an account. Otherwise, you might be signing up for a less rewarding APY. You would want to make the best out of your short lockdown period.

While it seems silly to withdraw early for such a short-termed CD, you should also not forget to look at the CD page’s disclosure tab. This lists early withdrawal penalties. If you take your funds out from the 6-month CD before maturation, you have to pay for 30 days’ worth of interest. Early withdrawal from the 12-month CD, on the other hand, warrants a hefty penalty of 180 days’ worth of interest.

Just in case you’re wondering, Flagstar Bank consistently offered the best CD rates in the market until their yields fell sometime last December. It seems to be recovering now, though, with this new set of internet CDs. The bank has a total of 165 branches across Michigan, and is known for its competitive rates. If it suffered from mortgage problems over the last year, this was caused by the global financial crisis which affected most banks around the world.

The ratings of Flagstar Bank are generally weak, though. It only scored one star out of five from Bankrate.com and two stars out of five from BauerFinancial.com. If anything goes wrong, the bank is insured by FDIC. It has been a member since 1987. You can verify the bank’s insurance credentials through FDIC Certificate # 32541.

If you’re looking for impressive CD rates, the ones offered by Hudson Valley Credit Union might not strike you as breath taking. After all, there are better offers from nationwide CD accounts. However, if you’re from New York, and you’re looking for a Certificate of Deposit rate which won’t wall in a few days time, these CDs are decent enough.

The top yield is pretty high at 3.00% APY, but the lockdown period is not exactly convenient. Sixty months is a long time to wait for maturation. However, given that these rates could fall in the next few years, a long-term investment might not be a bad idea. The minimum balance requirement for all CD deals is also low. Each CD deal only requires you to deposit $500 to open. The lower tiers are listed below:

• 2.35% APY for a 36 – 47 month CD
• 1.15% APY for a 6 – 11 month CD
• 1.95% APY for a 24 – 35 month CD
• 1.45% APY for a 12 to 17 month CD

These were the same rates posted a week ago. If you consider how stable the rates are compared to other competing CD rates, these might just be the best CD rates you’ll find in New York. Apparently, these top CD rates are also not available nationwide. Only those who are working, living, studying or worshiping in Ulster, Orange, Putnam County and Dutchess New York are eligible for the account.

With CD lockdown terms this long, you need to make yourself familiar with the credit union’s early withdrawal penalties. They’re pretty average, which means that they’re not that lenient but neither are they too steep.

For terms of 11 months or less, you have to pay 30 days’ worth of interest; for terms of 12 months and below 23 months, you have to pay 60 days’ worth of interest; for terms between 24 months and 36 months, you have to pay 90 days’ worth of interest, and for terms 36 months or longer, you need to pay 120 days’ worth of interest.

More details about the membership are available on the bank’s website. You’re also required to maintain $5 in your savings account before you’re allowed to open this CD. The branches of this credit union can be found in numerous New York City towns, so applications in person should be easy. These towns include Arlington, Beacon, Brewster, Carmel, Fishkill, Hopewell Junction, Hyde Park, Kingston, Middletown, New Windsor and more.

If you’re worried about the bank’s health, don’t be. They have a pretty impressive rating from users. Bankrate.com gave the Hudson Valley Federal Credit Union three stars out of five, but BauerFinancial.com gave them five out of five. The credit union holds 2.8 billion assets and is federally insured under NCUA Charter #15802.

The fact that the rate remained stable for almost a week is already a good sign. Aside from being one of the highest CD rates in the market today, Miner’s State Bank offers a 2.25% APY CD that is certainly a money in the bank deal considering its short term. Similar CD rates would run for three to five years. With a term that runs for less than three years, this is one of the most attractive deals in the market.

It’s too bad, though, that the CD is only limited to people living, working, studying, or worshiping in Michigan. The limits work to the advantage of those who are eligible for the account. This just means that the rate’s bound to be up for a pretty long time. This CD belongs to a tiered CD (in terms of lock-in periods), and the lower tiers (or the shorter termed CDs) are just as attractive.

Miner State Bank’s 19-month CD special earns up to 2.02% APY, while the 9-month CD special earns 1.30% APY. For their lock-in periods, they’re definitely the best CD rates in Michigan. The minimum balance required to open the account is also client-friendly at a mere $1,000. There is no cap balance, so you can earn as much money as you choose to, with these rates, as long as you have the funds and you can keep them there.

Take note though that these are specials. They’re not permanent, so if you’re thinking of opening an account, now is the time to do so. The bank’s regular CD accounts are also competitive, but they’re not this attractive. Check the website for updated first before paying your bank a visit. You would want to make sure that the account you’re opening has the highest CD rates possible.

You can also see the bank’s credibility because it doesn’t hide anything from its potential customers. Their website tells you, outright, how much the early withdrawal rates are. In this case, the penalties for these top CD rates are fair:

• Three months’ worth of interest if you opened an account for 12 months or shorter
• Six months’ worth of interest if you opened an account that’s longer than 12 months

This is a fair compromise. After all, those who manage to keep their money in the bank should be rewarded with the right yields. Those who withdraw too early don’t deserve the high earnings. The bank isn’t scrooge-like, though, and won’t bleed dry those who withdraw money too early.

Since a bank visit is needed before this account can be opened, you would need to know where their branches are. According to the website, Miner’s State Bank branches can be found across South Range, Hancock, Ontonagon, Houghton, and Iron River.

Those who are concerned about the bank’s health need not worry either as the ratings it fetched are quite high. Bankrate.com gave the bank three stars, while BauerFinancial.com gave it four stars. The perfect score for both is five stars.

The bank has been a member of the FDIC since 1934 and is federally insured under the same agency. To crosscheck this information, you can refer to FDIC Certificate #10928.

They say that the best CD rates are those which are offered by your local bank. This is not necessarily because of the high yield, but because these impressive yields are least likely to fall at a snap of a finger. Such is the case with the certificate of deposit offered at Collin Bank . These CD interest rates have been consistently competitive for the past few months.

The most attractive certificate of deposit rate from the bank is the Jumbo CD which runs for 36 months. This earns an impressive 2.12% APY, but because it is a jumbo account, it also requires a steep minimum balance. You need to keep $100,000 in the bank for three years for three whole years to open the account and let it earn interest.

A few weeks ago, Collin Bank’s 24-month CD was the real eye catcher. It had a 2.15% APY rate, with only $1,000 minimum balance requirement. While the rate fell to 1.76% APY, it still remains competitive among top CD rates offered in the market today. The maximum deposit for this account is $100,000. The same floor and ceiling deposits apply to three of the lower tiers in the CD deal:

• 1.26% APY for the 18-month CD
• 0.85% APY for the 12-month CD
• 0.60% APY for the 6-month CD

Considering the short terms for these lower tiers, they’re still among the highest CD rates in the market. Of course, you will want to check the bank’s website before you visit the branch to open an account. These rates keep on changing, and there’s not predicting when the yields will get higher or lower. All you can really do is watch and charge once the going’s good enough.

Collin’s Bank is a nifty little bank. Right not it only has one office which is located at Frisco, Texas. You really need to go there if you want to open an account because they don’t have online application tools. Despite the smallness of the bank, it earned impressive ratings from critics. Both BauerFinancial.com and Bankrate.com gave the bank four out of five stars for health.

This is rare for a bank which was only established two years ago. Collins bank is part of the FDIC and is federally insured. You can double-check this credential through FDIC Certificate #58610.

CD rates stick with you for a very long time, which is why you can’t just jump into a deal whenever you feel like it. You really need to find the best CD rates in your area whenever you can. For those who live in North Carolina, now is a good time to open a CD account. The Certificate of Deposit rates are particularly attractive, especially the tiered special offered by Carolina Bank.

There are three tiers in this account, but the highest CD rates are the most attractive. You would probably be interested in the top yield which earns up to 3.01% APY for a 55-month-term. Most CDs with this rate are five years long. With a little less time tied down with the bank, this is definitely a deal maker.

The lower tiers are not as competitive, but they still keep up with competitor rates. The 21-month CD earns as much as 1.86% APY, while the 10-month CD (also a deal-maker because of the short term) earns a generous 1.42% APY. If you’re in a hurry to get your earnings, you can skip the upper tiers and sign up for a 10-month deal. All of these CDs require a $10,000 minimum balance to earn interest. The minimum deposit is also $10,000.

You will want to check the bank’s rate table before opening the CD account just in case there are updates. These top CD rates tend to be very fickle. They could be there one day and drop by half the next, depending on the performance of the bank.

Because this is only offered locally, you will need to visit the bank to open an account. To get the best CD rates in town, just visit Carolina Bank branches. These are located at High point, Winston-Salem, Greensboro, Burlington, and Asheboro, all cities within North Carolina.

The clincher is that the bank doesn’t really fare well in terms of safety and soundness. Its scores are not impressive at all. Bankrate.com only gave it two out of five stars (below average) while BauerFinancial.com gave it three stars for the same category (adequate). The Carolina Bank, however, has been insured by and has been a member of the FDIC since 1996. To verify this information, you make look at FDIC Certificate #34348.

Mobiloil Credit Union’s in East Texas is offering competitive CD rates. These top CD rates are attractive in their own right, but the most eye-catching is probably the 5-year CD. This can earn as much as 3.30% APY and is quite the dealmaker with only $1,000 minimum deposit. If you have that much spare funds, this account is a money in the bank deal.

The shorter termed CDs in the same batch are also quite interesting, although their rates aren’t as impressive. According to the bank’s rate table, the 4 year CD fetches 2.78% while the 3 year CD earns as much as 2.32% APY. These aren’t bad deals, considering that they also have low minimum deposit requirements. You also need to deposit only $1000 to open these accounts.

Since it’s a credit union, it’s normal for anyone to think these certificate of deposit rates are only for Mobiloil employees. Apparently, the CDs are being offered to a wider scope of applicants. You are eligible to open an account if you are working, living, or worshiping in Orange, Jasper, Jefferson, Hardin, or Newton, Texas. This is largely because Mobiloil Credit Union is now has charters for the community.
Just make sure that you check their rate table frequently. The highest CD rates are always notorious for rising and falling without any warnings. Just last week, these rates were 0.10% higher. The rates have dropped, but fortunately, they’re still competitive among peers.

You have to visit a branch before you can open an account. Make sure that you bring a photo ID and a social security ID, as well as documents proving that you are eligible for the account. Branches of the credit union are located in East Texas, particularly in Jasper, Beaumont, and Nederland.
The credit union’s health ratings are also pretty strong. They earned five out of five stars from BauerFinancial.com and three stars from Bankrate.com. The bank is also insured under Charter #491 by the NCUA.

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.