Flagstar Bank is still pushing for their certificate of deposit account with attractive interest rates. This money in the bank deal has the following current interest rates:

• 6 months        0.70% APY
• 12 months      0.95% APY
• 18 months      1.30% APY
• 24 months      1.40% APY
• 30 months      1.70% APY
• 36 months      1.80% APY
• 48 months      2.05% APY
• 60 months      2.30% APY

You can take advantage of these top CD rates when you deposit a minimum of $500 to open an account. There is also a penalty when you withdraw money before the maturity date. This best certificates of deposit account will automatically renew when it matures, but you do not have to worry since you will still be given a grace period to decide if you want to continue the account or just withdraw you money without penalties applied.

The best part having this CD account is that is allows you to make automatic monthly or annual transfer of your earned interest to your other accounts with Flagstar Bank. You also get the privilege to access your account using online banking for free and pay your bills online. You can also call their 24 hour telephone banking if you need assistance with regard to your account.

The bank will require you to visit one of their branches to open a certificate of deposit account. The bank has 165 branches located in the state of Georgia, Michigan, and Indiana. For additional information about this best CD rates and their requirements, you may call their customer service line at 800-642-0039.

Flagstar Bank has been helping consumers and business with their financial needs since 1987. They are a sizable bank with over $12 million in declared assets. The bank is also insured with the Federal Deposit Insurance Corporation with certificate number 32541.

Urban Partnership Bank offers the best interest rates for their mid-term and long term certificates of deposit. The bank has the following current CD rates to offer:

• 18 months      1.16% APY
• 30 months      1.46% APY
• 60 months      2.40% APY

This money in the bank deal requires a minimum deposit of $1,000 to open an account. The maximum deposit is $99,999. The same with other CD accounts, the bank will impose a penalty if you withdraw funds before the maturity date. The early withdrawal penalty for CD’s which has less than 3 years term is 90 days worth of interest. For the penalty of CD with 3 years or more term is equivalent to 6 months worth of interest.

You will also receive a notification from the mail before the your CD account matures, since there will be a grace period given to you to withdraw your money without penalty or renew your account. The interest for all CD terms is paid every quarter. Take note that this best CD rates may change any time without prior notice.

The bank will require you to mail your application and check to open this best CD account. You just need to visit their website and print the application form. You also need to photocopy your driver’s license, social security card or state issued ID and send it together with the application form and check. You need to attention the mail to Mission-Based Deposits Urban Partnership Bank and the mailing address is PO Box 19260 Chicago, Illinois 60619.

You may also call customer service line if you have questions or concerns with regard to their CD account and current interest rates thru 773-420-5050 or 800-905-7725. Urban Partnership Bank also has several branches in the state of Illinois, Ohio, and Michigan.

Urban Partnership Bank was instituted in August 2010. The bank is also insured with Federal Deposit Insurance Corporation with certificate number 59051.

AmTrust Bank encourages consumers to take advantage of their certificates of deposit which have very competitive interest rates. This money in the bank deal has the following current CD rates:

• 12 months      0.40% APY
• 13 months      0.50% APY
• 30 months      1.50% APY
• 36 months      1.75% APY
• 60 months      2.25% APY

You can start earning these best CD rates when you deposit a minimum of $1,000 to open an account. The earnings of the certificate of deposit account which has 6 months and higher are compounded daily and credited semi-annually. The bank also charges a fee when you withdraw money from your CD account before the maturity date. You will also receive a notice from the mail once the account is about to mature since you will still be given a grace period to withdraw your funds without penalty or automatically renew your account.

The bank also allows you to check and monitor your account anytime using online banking and telephone banking. Please be reminded that the interest rate of this best certificate of deposit may change without notice. You may want to contact the bank to inquire about their latest CD rates before opening an account. AmTrust Bank’s customer service number is 888-550-9888.

AmTrust Bank has several branches located in several states such as Ohio, New York, New Jersey, Florida, and Arizona. They are one the divisions of New York Community Bank which began operating in 1889. The bank is also registered under FDIC certificate number 16022.

Malvern Federal Savings Bank offers very attractive interest rates on their mid- term and long term certificates of deposit account. The bank has the following CD rates:

• 24 months      0.90% APY
• 36 months      1.00% APY
• 60 months      2.50% APY
• 84 months      3.00% APY

These best certificate of deposit rates require a minimal opening deposit of at least $500 and this amount must be maintained in order to earn this best interest rates. Aside from this best CD rates, the bank also offer promos to their CD’s.

The following are the current CD specials:

• 19 months      1.09% APY
• 37 months      1.51% APY
• 48 months      2.02% APY

You will be required to deposit and maintain at least $1,000 to open these accounts and earn this best interest rate for their CD specials. The earnings of this top CD rates which has a term of 12 months and above are compounded and paid every quarter. A fee may be imposed on to your account if you withdraw funds before the maturity date. Take note that once account is opened the interest rate may change, so make sure to ask the bank first for their latest interest rates.

A branch visit is required in order for you to open a CD account. Malvern Federal Savings Bank is located in the cities of West Chester, Berwyn, Downingtown, Paoli, Pottstown, Exton, and Malvern in the state of Pennsylvania. You may want to call the bank first if you have additional questions on their certificate of deposit account thru 610-644-9400.

Malvern Federal Savings Bank was founded on December 12, 1887 and was first named as Malvern Savings and Loan Association. In 1990, the bank changed it’s name to Malvern Federal Savings Bank and became a member of the Federal Deposit Insurance Corporation which has a certificate number of 27861.

Clinton Savings Bank is providing the best interest rate for their mid-term and long term certificates of deposit. The bank has the following current CD rates:

• 18 to 23 months        1.01% APY
• 24 to 35 months        1.20% APY
• 36 to 47 months        1.60% APY
• 48 to 59 months        2.00% APY
• 60 months                 2.20% APY

This money in the bank deal requires you to have an initial deposit of $500 to open an account. You only need to maintain a daily balance of at least $10 to earn the best CD rates. In case you decide to withdraw funds from your account before the maturity date, expect that penalty will be applied on your account. Please note that the interest rate on this best CD account may change any time without notice.

Once your certificate of deposit account matures, the bank automatically renews your account although you will be given a grace period to withdraw you money to avoid penalties. Additional benefits that you can avail is free online banking, bill pay, free telephone banking, and it does not have any monthly service fees.

It seems that a bank visit is required to open an account. Clinton Savings Bank branches is located in the cities of West Boylston, Sterling, Clinton, Boylston, Bolton, and Berlin in the state of Massachusetts. For additional information about their CD rates or requirements, you may call the bank’s customer service thru 888-744-4272.

Clinton Savings Bank was the very first bank that was opened in the city of Clinton on May 15, 1851. The bank is offering full financial service to their customers and has already grown to have over $500 million in assets. They are also insured with FDIC and has a certificate number 90181.

Marathon Bank is pushing for their certificate of deposit with attractive interest rates. The following are the bank’s current CD rates:

• 6 months                      0.85% APY
• 12 months                    1.00% APY
• 18 months                    1.20% APY
• 24 months                    1.40% APY
• 30 months                    1.50% APY
• 36 months                    1.70% APY
• 60 months                    2.25% APY

You can start earning these best CD rates when you deposit at least $1,000 or more to open an account. The bank also offers a 7 month term CD special which has an interest rate of 1.35% APY. For this CD special, you need to deposit a minimum of $5,000 to open an account.

Like other certificate of deposit accounts, you are only allowed to make a withdrawal after the account matures. In case withdrawal is made before the maturity of the account, penalty will be applied. The CD account is renewable and you will be given a grace period to withdraw your funds to avoid penalties.

A branch visit is also required to open this best CD account. The bank has several branches in the state of New York and one branch in New Jersey. You may also call the bank if you have further questions about their top CD rates and requirements thru 718-956-2100.

Marathon Bank has been providing financial services to businesses and consumers since 1989. The bank is insured under FDIC certificate number 32698.

Kingsley State Bank is providing attractive interest rate for their best certificate of deposit account. This CD account has the following current interest rates:

• 30 days           0.60% APY
• 91 days           0.75% APY
• 182 days         0.85% APY
• 12 months      1.25% APY
• 18 months      1.35% APY
• 30 months      2.00% APY

This top CD rates requires you to make an initial deposit of $1,000 or higher to open an account and earn this best interest rate. You will also receive a penalty when you withdraw funds out of your CD account before the maturity date. Penalty for 30 days CD is seven days of interest, for 91 days to 12 months the penalty is 1 month of interest. Lastly, for 18 to 30 months of CD is equal to 3 months worth of interest.

The bank will renew you certificate of deposit account as soon as it matures, but you will be given a 10 day grace period to withdraw your money without penalty if you decide not to renew the account. The earnings of the certificate of deposit are compounded and paid at the maturity or semi-annually depending on the CD terms. The interest rate may also change once certificate of deposit account is opened, so make sure to check for the latest numbers.

You will be required to stop by the bank to open an account. You also need to bring picture ID’s like driver’s license, other government issued identifications, and social security card. You may also call the bank first if you still have questions with regard to their requirements or account specifics thru 712-378-2341.

Kingsley State Bank was founded in 1883. Currently, the bank has 3 branches located in the cities of Kingsley, Le Mars, and Sergeant Bluff in the state of Iowa. Kingsley State Bank is insured under FDIC with certificate number 19447.

United International Bank offers competitive interest rates for their short term certificate of deposit. The bank has the following current CD rates:

• 3 months         0.45% APY
• 6 months         0.70% APY
• 9 months         0.70% APY
• 12 months       1.00% APY
• 18 months       1.25% APY
• 24 months       1.25% APY

This money in the bank deal requires you to deposit a minimum of $1,000 to open an account. The earnings of this best certificate of deposit is compounded daily and paid either monthly, quarterly or at the maturity date depending on its term. Penalty on this best CD account is applied when you withdraw money from your account before the maturity date. If your CD term is one year or less then the penalty is one month’s worth of interest. If your CD term is more than 1 year then the penalty is equal to 3 months worth of interest.

Take note that this highest CD rate is renewable after the account matures. The bank will give you enough time to decide if you still want to renew your account or just withdraw the funds without penalty. The current interest rate of this best certificate of deposit account is subject to change without notice.

It seems that you are required to go to the bank and open an account. Don not forget to bring a copy of your picture ID like drivers license and social security card. United International Bank is headquartered in Flushing, New York. If you are not sure about the bank’s requirements, you may call the bank through their customer service line at 718-866-1788.

United International Bank began providing financial services in 2006. The bank is registered with FDIC certificate number 57987.

The Peoples Bank of Bullitt County provides competitive interest rate for their short term and long term certificates of deposit. This money in the bank deal has the following current CD rates:

• 6 months         1.00% APY
• 12 months        1.26% APY
• 18 months        1.25% APY
• 24 months        1.51% APY
• 48 months        2.01% APY
• 60 months        2.52% APY

This best certificate of deposit account requires you to make an initial deposit of $1,000 to open an account. For the 9 month CD term, it has a tiered interest rate with different opening balances:

• $1,000 minimum opening balance earns an interest rate of 1.00% APY
• $10,000 minimum opening balance earns an interest rate of 1.00% APY
• $50,000 minimum opening balance earns an interest rate of 1.26% APY
• $100,000 minimum opening balance earns an interest rate of 1.26% APY

The earnings of these highest CD rates depends on its term, if the account is in 6, 12, 18, 24, 48 and 60 months term then the interest rates will be compounded and paid semi-annually. If it is a 9 month CD then the interest rate will be compounded and paid quarterly.

This certificate of deposit deal automatically renews 10 days after the maturity date so you can still withdraw your money without penalties. In case you decide to take out some money from your account before the maturity date, early withdrawal penaltie will apply. If you have a 6 month CD term the penalty is equivalent to 1 month of interest. If it is a 9 to 60 month CD term the penalty is equivalent to 3 months of interest.

A branch visit is required in order for you to open an account. The bank is located in the cities of Shepherdsville, Mount Washington, and Lebanon Junction in the state of Kentucky.

The Peoples Bank of Bullitt County is insured with FDIC and has a certificate number 1884.

John Marshall Bank continues to invite consumers to take advantage of the best interest rate for their certificate of deposit. This top certificate of deposit account has the following current interest rates:

• 9 months             0.80% APY
• 12 months           1.16% APY
• 18 months           1.21% APY
• 24 months           1.51% APY
• 36 months           2.02% APY
• 48 months           2.48% APY
• 60 months           2.94% APY

This top CD rates requires you to make an initial deposit of $500 to open an account. The balance of $500 must also be maintained in order to earn this best interest rate. This money in the bank deal allows you to withdraw funds before the maturity date but penalties will be applied against your account.

Aside from the best CD rates, the bank provides a 12 month certificate of deposit special which is free of penalty. The interest rate that you can earn for this 12 month CD special is 1.00% APY. Please note that the deposit for this CD special must be maintained for at least 7 days after which you have an option to make a non-penalty withdrawal. The interest rate of this best CD rate is subject to change without notice.

Consumers who are interested to have this best certificate of deposit must visit the branch in order to open an account. The bank has branches located in the states of Virginia, District of Columbia, and Maryland. You may also call the bank’s customer service line to get detailed information about their top CD rate and requirements thru 866-671-7256 or 703-845-2700.

John Marshall Bank was first opened in Falls Church, Virginia in the year 2006. This bank is also insured by the FDIC which has a certificate number of 58243.

Fayetteville Bank provides the best CD rates for their regular certificate of deposit and also for their Jumbo CD’s. The bank has the following current certificate of deposit rates:

Regular CD

• 6 months                 1.16% APY
• 12 months               1.31% APY
• 18 months               1.51% APY
• 24 months               1.61% APY
• 36 months               1.85% APY
• 48 months               2.07% APY
• 60 months               2.48% APY

Jumbo CD

• 6 months                 1.31% APY
• 12 months               1.46% APY
• 18 months               1.61% APY
• 24 months               1.71% APY
• 36 months               2.02% APY
• 48 months               2.22% APY
• 60 months               2.63% APY

The initial deposit for this regular certificate of deposit account is $500 to open. While jumbo CD requires a minimum deposit of at least $100,000. The same as other certificate of deposit account, you will receive a penalty when you withdraw before the maturity date. This best certificate of deposit is automatically renewable within 10 days grace period from the maturity date.

Aside from earning this highest CD rates the bank lets you manage your account using online banking. You can even make bill payments anytime and check your monthly statement online. If you need to talk to someone about your account you can also call their 24 Hour Telephone Banking to assist you with your concerns.

A branch visit is required to open an account. They have 2 branches in Texas, specificallty in the cities of Schulenburg and Fayetteville. You can also call the bank if you have other inquiries with regard to their top certificate of deposit rate thru 979-378-4261 or 979-743-4576.

Fayetteville Bank serves consumers and businesses in the counties of Fayette, Austin, and Colorado and began offering their services in 1917. The bank is also a member of Industry Bancshares, Incorporated. An FDIC insured bank with certificate number 3195.

The Bank of Princeton offers the best interest rate for their certificate of deposit account. To avail of these top CD rates you must deposit a minimum of $500 to open an account and start earning. The bank’s current certificate of deposit rates are as follows:

• 9 months                 0.85% APY
• 10 months               0.90% APY
• 11 months               0.95% APY
• 12 months               1.00% APY
• 18 months               1.25% APY
• 24 months               1.75% APY
• 36 months               2.00% APY
• 48 months               2.25% APY
• 60 months               2.75% APY

The certificate of deposit account may receive a penalty if there will be a withdrawal made before the maturity date. The interest rates and terms of the certificate of deposit account is subject to change anytime without notice.

Consumers who want to take advantage of this highest CD rates may visit one of the bank’s branch to open an account. They have branches in the cities of Princeton, Hamilton, and Pennington in the state of New Jersey. The bank also provides online banking with bill payment to their customers to avoid the hustle of going to the bank just to check on their account and pay their bill. They can also view their statements by subscribing to electronic bank statement. For more information about their certificate of deposit account you may call the bank thru 609.921-1700.

The Bank of Princeton was established in 2007. They are insured under the FDIC certificate number 58513.

Paradise Bank offers some enticing interest rates for their short term and mid-term certificates of deposit. The top CD rates are the following:

• 12 months           1.15% APY
• 18 months           1.25% APY
• 24 months           1.50% APY
• 36 months           2.00% APY

These attractive interest rates are still available with a posting date of August 11, 2011. You can start earning these best CD rates when you open an account and deposit a minimum of $1,000. A penalty will be imposed when you withdraw funds before the maturity date. Please note that once a certificate of deposit account is opened the interest rates may change.

The best certificate of deposit account has the following benefits: online banking, electronic bank statement, and bill payments. The current certificate of deposit rate is subject to change anytime without prior notice.

A branch visit is also required in order for you to open an account. The bank has branches located in the cities of Fort Lauderdale, Boca Raton, and Delray Beach in the state of Florida. You may call the bank’s customer service first to get information with regard to their requirements before visiting the branch thru 561-392-5444 or 954-764-8778.

Paradise Bank has been offering several financial services to their customers since 2005. The bank has approximately $322 million in declared assets. They are also registered with FDIC and has a certificate number 58030.

California Community Bank offers the best CD rates for their short term and long term certificate of deposit. The following are the current regular CD and Jumbo CD rates:

• 6 to 11 months                    0.75% APY
• 12 to 17 months                  1.00% APY
• 18 to 23 months                  1.26% APY
• 24 to 35 months                  1.56% APY
• 36 to 47 months                  1.81% APY
• 48 to 59 months                  2.03% APY
• 60 months                           2.43% APY

This highest CD rates requires you to deposit a minimum of $2,500 to open an account and earn this best interest rate. An opening balance of $100,000 is required for their Jumbo CD. Penalty will be imposed for early withdrawal. The earnings of this money in the bank deal may be reduced by penalties and fees that will be applied on the account. Please note the interest rates may change without notice.

You need to visit the bank in order to open a certificate of deposit account. The bank has branches located in the cities of Escondido, Vista, Encinitas and San Diego in the state of California. You may also call the bank for information with regard to their requirements through the customer service line at 760-888-1100 or 760-542-4200.

California Community Bank provides several services which helps their customer’s financial needs. They began operating in 2003 and has an FDIC certificate number 57533.

Incredible Bank is offering a competitive interest rate for their short term and mid-term certificates of deposit. This money in the bank deal has the following CD rates:

• 9 months                 1.10% APY
• 13 months               1.30% APY
• 19 months               1.50% APY

This certificate of deposit rates may be earned when you open an account and deposit a minimum of $10,000 and a maximum of $90,000. Please be reminded that once you make a withdrawal before the maturity date, you will be charge of an early withdrawal fee. The penalty for 9 months term is equivalent to 3 months interest and for 13 and 19 months CD the penalty is equivalent to 6 months of interest.

Once your certificate of deposit account matures the bank will automatically renew. You may fund your account through ACH. The current interest rate listed above is subject to change anytime, so make sure to check with the bank for the latest CD rates.

You can start earning this top CD rates by visiting the bank’s website and open an account. Do not forget to have you social security card and driver’s license ready since the bank will be requiring you to send a copy of those identifications. You may also call the bank for additional information about their certificate of deposit account, or requirements thru 877-261-4750.

Incredible Bank provides several financial services to their customers and recently launched their certificate of deposit account. The bank was first opened in 1967 in the state of Wisconsin, they also have offices in the state of Michigan. Incredible Bank has an FDIC certificate number 19772.

Third Federal Savings and Loan continues to push for their best certificate of deposit rates. The bank has a competitive mid-term and long term certificate of deposit account. The following are the current CD rates:

• 24 months      1.05% APY
• 30 months      1.20% APY
• 36 months      1.65% APY
• 48 months      1.90% APY
• 60 months      2.15% APY
• 72 months      2.50% APY

The minimum deposit to open a certificate of deposit account is $500. The balance of your CD account must not go beyond $50 to avoid penalties and earn their highest certificate of deposit rates. Please note that you will only receive the lowest interest bearing for their savings account if this happens.

You will also be charged with a penalty when you withdraw funds before the maturity date. The following are the early withdrawal penalties depending on the terms:

91 days or less 30 days of interest
92 days to 1 year 90 days of interest
13 months to 35 months 180 days of interest
3 years and above 360 days of interest

The bank automatically renews you certificate of deposit account when it matures. You will be notified by the bank before the account matures. You will be given 7 days grace period to think about withdrawing or continuing your account to avoid fees on to your CD account.

You may visit the branch or apply online to take advantage of this best CD rates. You must also have your identifications and check ready when you open an account. Third Federal Savings and Loan branches are located in the states of Ohio and South Florida. You may also contact them through their toll free number for questions at 800-844-7333.

Third Federal Savings and Loan has been offering different financial services since 1938. They are a sizable bank with over $10 billion in assets. The bank is an FDIC member under certificate number 30012.

Chasewood bank invites consumers to take advantage of their best certificate of deposit. The bank offers attractive CD rates for their short term certificate of deposit. They also have the best interest rates for their Jumbo CD’s. This money in the bank deal has the current CD rates:

$1,000 to $99,999

• 30 to 89 days                1.01% APY
• 90 to 179 days              1.16% APY
• 180 to 364 days            1.21% APY
• 12 to 18 months           1.41% APY
• 2 years                        1.76% APY

$100,000 and above

• 30 to 89 days                1.16% APY
• 90 to 179 days              1.21% APY
• 180 to 364 days            1.26% APY
• 12 to 18 months           1.51% APY
• 2 years                        1.91% APY

You can start earning this highest CD rates when you deposit a minimum of $1,000 to open a regular CD account and a minimum of $100,000 to open a Jumbo certificate of deposit. Penalties are also applied when you make an early withdrawal. For the term of 2 years the penalty is equivalent to 3 months of interest.

The bank requires you to visit their office to apply for this best certificate of deposit. They have offices located in the cities of Spring and Houston in the state of Texas. Please remember to bring identifications such as driver’s license and social security card. If you have concerns with regard to their current interest rates and requirements you may contact the bank thru 281-320-6777.

Chasewood bank provides the best personal and business financial needs of their customers. The bank was founded in 1983 and is also an FDIC member that has a certificate number 24272.

Cross River Bank headquartered in Teaneck, New Jersey provides competitive interest rates for their certificate of deposit. The bank has the following best CD rates:

• 3 months    0.50% APY
• 6 months      0.75% APY
• 9 months    1.00% APY
• 12 months   1.25% APY
• 18 months     1.75% APY
• 24 months     1.75% APY
• 36 months     2.25% APY
• 48 months     2.50% APY

You can enjoy this highest CD rate when you open an account with a minimum deposit of $500. You are required to maintain this balance in order to earn the best CD rates. Fees will be charged if you withdraw money before the maturity date. Take note that the current CD rates are subject to change anytime without prior notice.

The bank also gives you a privilege to access your account and even make bill payments using online banking for free.

It seems that you need to visit the bank in order to open an account. Please remember to bring proper identification like driver’s license since the bank will be requesting for it. If you still have questions or concerns with regard to this best CD rates you may call their customer service line thru 201-808-7000.

Cross River Bank has been providing its service since 2008. They have already grown to have over $124 million in assets. The bank is also a member of the Federal Deposit Insurance Corporation with certificate number 58410.

United Bank of Iowa is pushing for their 5 month and 14 month certificate of deposit specials. The following are the current interest rates for this best CD account:

5 month special

• $500 to $4,999                  0.80% APY
• $5,000 to $14,999             0.90% APY
• $15,000 to $24,999           1.00% APY
• $25,000 and above            1.10% APY

14 month special

• $500 to $4,999                  1.10% APY
• $5,000 to $14,999             1.20% APY
• $15,000 to $24,999           1.40% APY
• $25,000 and above            1.60% APY

This CD Specials has a minimum deposit of $500 to open an account. The dividends are paid at the maturity of the account. If you withdraw money out of your certificate of deposit account before the maturity date, an early withdrawal fee will be charged into your account.

This highest CD rates automatically renews once it matures. At the maturity of your 5 month term it will automatically renew to 182 days term. For 14 months term it will automatically renew to 12 month CD term. The interest rate of this special certificate of deposit is subject to change anytime without prior notice.

You may complete the application online to open this top certificate of deposit account. Please remember to have your identifications ready since the bank will be requesting for a copy. You may aslso call customer service line if you have questions with regard to this special CD rates thru 712-364-3393.

The bank has branches located in the cities of Storm Lake, Schleswig, Rockwell City, Odebolt, Lohrville, Lake City, Kiron, Ida Grove, Harlan, Glidden, Fort Dodge, Denison, Churdan, Charter Oak, Carroll, and Arthur in the state of Iowa.

United Bank of Iowa was established in 1932. Currently, they have grown to have over $1.3 billion in declared assets. The bank is also insured by the Federal Deposit Insurance Corporation with certificate number 958.

NVE Bank continues to provide attractive interest rates for their long term certificate of deposit. The bank has the following CD rates:

• 12 months      0.50% APY
• 24 months      0.70% APY
• 36 months      1.40% APY
• 48 months      1.90% APY
• 60 months      2.25% APY
• 72 months      3.10% APY

You can start earning this highest CD rates when you open an account and deposit a minimum of $1,000. You are also required to maintain this balance to earn this best interest rates. Withdrawing of funds before the maturity date will result to early withdrawal fee. For instance, if your certificate of deposit has a term of 12 months and below then the penalty is 3 months of interest. If it is from 13 months to 24 months then the penalty is 6 months of earnings. Finally, if the term is more than 24 months then the penalty is equivalent to 9 months worth of interest rate.

The bank also offers Premium CD’s which require you to have a non-interest bearing checking account with a minimum balance of $1,000 to earn the best CD rates. These are the following Premium CD’s:

• 4 months      0.35% APY
• 5 months      0.40% APY
• 9 months      0.60% APY

This top certificate of deposit account also allows you to access your e-statement and pay your bills online . The bank will automatically renew your CD account once it matures, but you will be given a time to decide if you still want to renew the account or withdraw the fund without penalty. Take note that the current interest rate listed above is subject to change anytime without notice.

It appears that you need to visit the branch to open an account. The bank has branches located in the cities of Tenafly, Teaneck, New Milford, Leonia, Hillsdale, Englewood, Cresskill, Closter, and Bergenfield in the state of New Jersey. You can also contact their customer service in case you have questions with regard to their certificate of deposit and current interest rate thru 201-816-2800.

NVE Bank is an independent mutual bank which was established in 1887. They have already grown to have over $679 million in declared assets. The bank is also insured by the Federal Deposit Insurance Corporation with certificate number 29875.