Consumers will find a good deal with mid to long term certificates of deposit with Hudson City Savings Bank . Initial funding needed for these CDs is $5000. The current interest rates are as follows:

3.00% APY 36 month
3.25% APY 48 month
3.50% APY 60 month
You can check out the top cd rates through their online application. You just need to click on the interest rates link when you see the selection of their products.

These best cd deals have been on since February. Nothing much has changed. These online accounts are available nationwide and can be opened through a platform provided by Andera. Initial deposits for the certificates can be sent through ACH.

According to the customer service representative, ACH deposits are limited to $100,000. Funding is not limited if you will course it as a check via mail. The interest rates are effective as soon as you send in your application for the CD. You can reach the online banking department through 201-967-1900 extension 1887.

Account holders can name 2 beneficiaries initially. Additional names can be listed when the account is already active. Upon maturity of the account, funds can be sent to you via funds transfer to an existing internal account or by mailing you a cashier’s check.

The bank charges 6 months of earnings for an early withdrawal from a CD which has a term of more than 12 months. Account holders are given 10 days of grace period upon maturity.

Hudson City Savings operates about 121 offices spread across New York, New Jersey, and Connecticut. They have assets of more than $57 billion.

BauerFinancial gave the bank 5 stars for its soundness and safety while Bankrate.com issued 4 stars for its performance. The bank is insured with the FDIC through certificate number 13074.