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.

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.

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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