Miami Postal Service Credit Union still provides a competitive interest rates for their certificates of deposit. The credit union has the following current CD rates:

• 6 months        0.55% APY
• 9 months        0.75% APY
• 12 months      0.75% APY
• 18 months      0.75% APY
• 24 months      1.00% APY
• 36 months      1.41% APY
• 60 months      2.02% APY

This money in the bank deal requires a minimum of $1,000 to open an account and earn these best interest rates. All certificate of deposit account’s earnings are compounded and paid quarterly. The credit union may imposed a penalty on your account when you withdraw funds before the maturity date. The amount of penalty depends on the term of your certificate of deposit.

The credit union will be issuing a written notification weeks before the account matures. You will also be informed about the grace period that will be given to you so that you can make changes or withdraw funds on your account without penalty.

Aside from these regular CD rates, the credit union also offers a competitive interest rate with their 9 month Jumbo CD with an interest rate of 1.00% APY which requires a minimum balance of $5,000 and 9 month term Super Jumbo CD with an interest rate of 1.26% APY which requires a minimum balance of $25,000. Please note that the dividend rates are subject to change anytime without prior notice.

Membership with Miami Postal Service Credit Union is open to everyone who lives, worships, works, attend school within a 15 mile radius of the 3 credit union branches which is starting from Homestead and Leisure City to Tamarac and Wilton Manors City. Employees or retirees of the Federal Government and postal service are also eligible to join. Plus businesses in Broward and Miami Dade Counties are eligible as well.

Eligible individuals who want to apply may complete and print the application online, notarized the application form, include an initial deposit of $5 for your share savings account, and provide a copy of a government issued ID. Then submit documents to the credit union by visiting one of their branches.

To find out more about their certificate of deposit rates, membership eligibility, and requirements you may call the credit union’s Business Development Specialist at 786-369-7254 or 800-782-3630. Miami Postal Service Credit Union has branches located in the cities of Miami, Hialeah, and Pinecrest in the state of Florida.

Miami Postal Service Credit Union was established in 1991. They are considered as one of the largest credit union in the state of Florida and has reached 13,702 members with over $116 million in declared assets. The credit union is insured with the National Credit Union Association and has a charter number 67330.

Meritrust Credit Union provides competitive interest rate with their short term and long term certificates of deposit. This money in the bank deal has the following current CD rates:

• 3 months        0.20% APY
• 6 months        0.30% APY
• 12 months      1.00% APY
• 24 months      1.00% APY
• 36 months      1.50% APY
• 60 months      2.50% APY

You can start earning this highest CD rates when you make an initial deposit of $500 to open an account. You also need to maintain this balance to earn these best interest rates. The earnings of this money in the bank deal are compounded and credited on your account every month. Please note that the interest rate of this CD account is subject to change anytime without prior notice.

A penalty may be imposed on your account if you withdraw funds before the maturity date. The amount of penalty will depend on the term of your certificate of deposit account. This CD account automatically renews once it reaches it’s maturity. A written notification will be sent to you to inform you about the maturity date and the grace period that will be given to you, for you to be able to make changes or withdraw funds without being charged of any penalty.

Membership with Meritrust Credit Union are open to anyone who live, work, worship, or attend school in the counties of Cowley, Pottawatomie, Sumner, Riley, Butler, Geary, Sedgwick, Dickinson, Harvey, Saline, Douglas, McPherson, Osage, Marion, Morris, and Chase in the state of Kansas. If you belong to one of the credit union’s select employee groups then you are eligible to join. Immediate family are also welcome to join.

Individuals who wants to apply for membership may complete the online application. You must open a share savings account which requires a minimum deposit of $25. You also need to submit valid photo ID as part of their requirement. If you still have questions or concerns with regard to their certificate of deposit rate, field of membership, or requirements you may call their customer service line at 800-342-9278.

You may visit one of the credit union’s office located in the cities of Lawrence, Wichita, Junction City, or Derby in the state of Kansas.

Meritrust Credit Union was opened in 1935. They have reached over $717 million in declared assets. The credit union is a member of the National Credit Union Association and has a charter number 63283.

Six year CDs are very rare, and these could work to your advantage if the annual percentage yield is high. Such is the case with Gateway Metro Federal Credit Union’s 6-year CD which has one of the highest CD rates in the region. Currently, the annual percentage yield is pegged at 2.50%. With the falling trend of most CD rates this month, now is the time to take advantage of the high yield.

Rates change without warning, and sometimes, dramatic falls could happen in a span of a week. This CD rate, however, is only available in St. Louise, which is a good thing if you work, live, study or worship in the metro area of the said vicinity. To confirm if you’re eligible for membership, a branch visit is necessary. The credit union has branches in Swansea, St. Peters and Florissant.

There are also shorter CDs offered by the credit union which also deserve to be considered as the top CD rates in the area. These are:

• 2.00% APY for a 4-year CD
• 2.25% APY for a 5-year CD

All 6-, 5-, and 4-year CDs have a minimum deposit and balance requirement of $1,000. The credit union is very transparent about early withdrawals. Members are allowed to withdraw early, but they must face the consequences which aren’t exactly mild, but aren’t brutal either. 270 days’ worth of interest will be deducted from a depositor’s earnings should s/he wish to withdraw early from a 6-year CD. 4- and 5-year CDs, on the other hand, come with a 180-day dividend deduction penalty for early withdrawals.

It must be noted that the minimum deposit requirement is very low. What depositors can do is invest only a manageable sum into the account and wait until the investment matures. This way, they can get the full earnings and not worry about any penalties to boot.

The website is specific about membership. It is open to residents, students, employees, and worshipers of St. Louis City, St. Louis County, and St. Charles County. It’s a pretty sound financial institution which is rated by DepositAccounts.com with four out of five (superior) stars. Bankrate.com only gave it three out of five stars (performing), but it is still a pretty sound financial institution to invest your money in. It’s a member of the NCUA and is federally insured through Charter # 24797.

While it’s true that most of Alaska USA Credit Union’s competitive rates have gone down in 2012, their CD rates have remained very competitive. One, in particular, which is bound to catch any depositor’s attention, is the 2.35% APY 60-Month CD. This is one of the top CD rates in the area, and is certainly worth looking at.

Take note, though, that the minimum deposit is pretty high, as is expected of high yield share accounts. You will need at least $100,000 to enjoy this CD rate. If you don’t think you can maintain that much money in your account for five years but would still like to take advantage of the country’s highest CD rates, you might want to check the credit union’s other offerings:

• 1.30% APY for a 2-year CD
• 1.65% APY for a 3-year CD
• 2.01% APY for a 4-year CD
• 2.35% APY for a 4-year CD

All of these CDs have a minimum deposit of $100,000. If the minimum deposit, and not the term length, is what’s causing you to hesitate, you might want to check the lower yielding CDs offered by the institution:

• 1.20% APY a 2-year CD
• 1.55% APY for a 3-year CD
• 1.91% APY for a 4-year CD
• 2.25% APY for a 5-year CD

These lower yielding CDs have a friendlier minimum deposit of only $10,000. Among these top CD rates, the 5-year CD deal is the most tempting at it doesn’t fall too far from the $100,000 high yield jumbo interest rate.

You should look into the credit union’s disclosure, though, regarding early withdrawals. It’s quite stringent, and you could lose up to 180 days’ worth of your interests. Of course, it’s still a friendlier deal compared to what other financial institutions have on offer. Some would penalize and take money from your principal amount. Here, you will only lose the accrued interests you’ve earned for the amount you’ve withdrawn, as long as you close the CD before the 180th day after withdrawal. There is also a 10-day grace period upon maturity.

The credit union’s website doesn’t say much about membership eligibility. It suggests that applicants visit the branches if they wish to apply to find out if they’re eligible for membership or not. It’s suggested, too, that as long as you live, work, worship, or study close to any of the credit union’s branches, you may be eligible for membership. Aside from its branches in Alaska, the FCU also has branches in Washington and California. In other words, these best CD rates are available to more people compared to other tempting credit union CDs.

While the CD rates of this credit union are some of the best in the country, and they are the 17th largest credit union in the USA, the financial health of the institution is still wanting. They earned only three out of five stars from DepositAccounts.com, and three out of five stars as well from Bankrate.com. The credit union has $4.4M worth of assets since 2011, and is federally insured under NCUA Charter # 5913.

Even the best CD rates are falling at the beginning of 2012, and the top CD rates of by Charter Oak Credit Union were not immune to this fall. Still, their 2.00% APY 5-year CD remains tempting. It has a reasonable minimum deposit requirement of $1,000 which is not exactly the lowest minimum deposit in the country, but it’s not incredibly steep, either. Of course, it’s worth noting that this CD rate fell by 0.30% since 2011 ended. It’s highly possible that this rate will drop again sometime this month so it’s advisable for depositors to take advantage of the competitive rate now. Take note that this is an IRA CD.

Aside from this 5-year IRA CD, Charter Oak Credit Union also offers a 4-year and a 3-year IRA CD. At the end of 2011, these CDs had 2.25% APY and 2.00% APY respectively. Currently, though, these rates have dropped down to 1.75% APY (for the 4-year CD) and 1.50% APY (for the 3-year CD).

To recap, below are the credit union’s most promising IRA CD offers:

• 1.50% APY for a three year IRA CD
• 1.75% APY for a four year IRA CD
• 2.00% APY for a five year IRA CD

If you don’t feel like these are the highest CD rates in your area, though, it won’t hurt to look. While the rates are competitive, there are still better deals out there. Also, as these CDs are offered by a credit union, there are membership limitations for you to think about. You need to worship, live, or study in the counties of London and Windham, Connecticut to be eligible for membership. You also need to maintain a $5 balance in the credit union’s standard savings account.

Also, as these are long term CDs, you should check the early withdrawal penalty as well. You could lose as much as a year’s worth of your dividends if you withdraw too early. Even if the annual percentage yield is lower, you might want to consider a shorter termed CD if you’re not sure you can commit to longer CDs. Save yourself from future unnecessary financial losses.

A branch visit is standard for opening a first account with this FCU. To apply, you can go to their Groton, Dayville, Norwich, Niantic, Uncasville, Pawcatuck, Willmantic, and Waterford branches. This is a financially sound institution which has earned itself a five out of five stars (excellent) rating from DepositAccounts.com. Bankrate.com has also rated it as “sound” with four out of five stars. Your money is safe with this bank because it is federally insured. You can confirm the details by checking NCUA Charter # 3413.

Polam Federal Credit Union provides a 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:

$2,500 to $24,999

• 6 months        0.60% APY
• 12 months      0.95% APY
• 24 months      1.30% APY
• 36 months      1.80% APY
• 60 months      2.40% APY

$25,000 and above

• 6 months        0.65% APY
• 12 months      1.00% APY
• 24 months      1.35% APY
• 36 months      1.85% APY
• 60 months      2.45% APY

You can earn these top certificate of deposit rates when you make an initial deposit of $2,500 to open an account. Members of the credit union who are under 18 years of age can also take advantage of these highest CD rates. They will be required to deposit a minimum of $500 to open an account. Once your CD account is opened, you will no longer be able to make changes nor make additional deposits. The credit union charges a penalty when you make a withdrawal before the maturity date. The amount of penalty which will be imposed on your account will depend on the terms of your certificate of deposit.

This certificate of deposit account will renew once it matures, but you will be given a grace period to make changes or even withdraw funds without penalty. The dividend rates earned are compounded and paid every month. Please be reminded that the credit union has the right to change the interest rate of your CD account anytime without prior notice.

The credit union also allows you to monitor your CD account by means of online banking. You can even pay your bills and view your monthly statements electronically. You can also use the banks telephone banking to access your account and get additional information with their most current promotions.

It appears that anyone can join the credit union regardless of ethnicity, you just need to enroll to the Polish American Congress. You will have to pay a one time membership of $20 and open a share savings account with a minimum deposit of $10.

A branch visit is required to apply for membership and open an account. Polam Federal Credit Union has 2 small branches located in Los Angeles and Orange county in the state of California. You need to bring valid picture identification like driver’s license, social security card, or passport as part of the credit union’s requirements. If you still have question or concern with regard to their certificate of deposit rate and field of membership, please call their customer service line at 323-463-5137 or 714-998-1017.

Polam Federal Credit Union was opened in 1969. All deposit accounts are insured of up to $250,000 with the National Credit Union Association. They have an NCUA charter number 19739.

Weokie Credit Union current CD rates are not the highest in the country, they have remained competitive. The 36-month CD, which is considered a mid-term CD and is “comfortable” for most depositors, is especially tempting with its 2.02% APY. However, there is a small catch. You have to deposit at least $100,000 to enjoy this yield. Otherwise, the rate drops down to 1.92% APY which is still not a bad annual percentage yield to fall back to should you miss the higher yields minimum.

The other catch is that this is only available locally. Those who work, study, worship, and reside in Oklahoma, Canadian, Cleveland, Lincoln, Grady, Potawatomie, and McClain counties are eligible for membership, and could enjoy this tempting CD rate. Depositors outside of this category would have to miss out on the chance, though.

You may also find their two year or 24-month CD competitive. It’s also considered among the top CD rates in the area, although it is not as impressive as the credit union’s longer-term CD. The 24-month CD currently boasts of a 1.61% APY for deposits of at least $100,000. However, the drop is more dramatic should you not meet the minimum deposit. You will have to settle for a 1.51% APY if you cannot deposit at least $100,000. For those who are trying to dodge early withdrawal penalties, though, the 24-month CD sounds friendlier than the 36-month deal. Watch out because you can lose up to 360 days worth of your dividends if you withdraw too early from these accounts. The point of CDs is to earn more money by investing in the banks for a longer period of time.

Aside from looking for the best CD rates, though, what should you be worried about when you invest your money in Weokie Credit Union? High CD rates become especially suspicious at this time of the year when bank rates generally take a dive because of the state of the global economy. Where does Woekie Credit Union stand?

Thankfully, you won’t have to worry about that when you take advantage of the highest Certificate of Deposit rates from Weokie Credit Union. The credit union is one of the most established in Oklahoma with branches across the Oklahoma metropolis. DepositAccounts.com gave it an excellent (five out of five stars) rating, while Bankrate.com wasn’t so stringent, either, giving it a four out of five stars (sound). You can also be sure that you won’t lose your money when you invest in Weokie Credit Union because it is federally insured under NCUA Charter # 60380.

Freedom Credit Union (PA) currently offers to local customer who would open their long term 5-year CD. This is a promising rate compared to competing banks in the region, especially with the pattern of rate falls which has been happening throughout banks and credit unions in the country. Just a few days ago, the same CD was offered for 2.50%. The fall is not so hard, though, compared to other banks whose rates have been falling by up to 1% APY in a matter of a few days.

Aside from the 5 year CD, Freedom Credit Union (PA) also offers other attractive long term certificate of deposit rates. These are:

• 1.65% APY for Freedom Credit Union’s 36 month CD
• 2.10% APY for Freedom Credit Union’s 48 month CD
• 2.35% APY for Freedom Credit Union’s 60 month CD

All 5-, 4-, and 3-year CDs have a minimum deposit requirement of $500. Each of them also has a Youth CD counterpart with the same rates but with lower minimum deposit which is currently at $250. While these three are some of the highest CD rates in the region, they aren’t completely immune to the economical drop-trend. While they remain competitive, it can’t be denied that they have fallen by a notch or two since last week.

These top CD rates may be enjoyed when you open an IRA, HSA or ESA. These are not the ideal CDs for depositors who tend to withdraw their funds too early as the penalty is pretty high. Withdrawing funds too early from these long term CDs will cost you almost a year’s worth (360 days) of your dividends.

Unfortunately for people who are not in Pennsylvania, these CD rates are only offered locally. Anyone who is residing, working, worshipping or studying in the area may avail of this offer. The credit union also has a refer-a-friend program until February of this year. Each successful referral entitles the referrer and the refferred party to a $25 reward from the credit union.

Take note that to avail of these best CD rates, you must first be a member of the credit union. Membership requires a minimum of $5 deposit to your Primary Savings Account. This requirement is standard in most banks and credit unions.

Freedom Credit Union is probably one of the biggest and most established credit unions in the country. It has over 4,000 branches across the country. It earned a five out of five stars health rating from depositaccounts.com, and holds and has been tagged “sound” (four out of five stars) by Bankrate.com. Pennsylvania branches include Abington, Consolation, Lansdale, Northeast, Sears, and Warminster. These branches are open from Monday through Saturday, although the office hours per branch do vary. You may contact their hotline for inquiries at 215-612-5900, or go to their website to use the live chat function.

No matter what happens, you can rest assured that your money is safe with this institution because the Freedom Credit Union is federally insured under NCUA Charter # 60275.

White Pine Credit Union headquartered in Pierce, Idaho provides an attractive interest rate with their short term certificates of deposit. The credit union has the following current CD rates:

• 6 months        1.75% APY
• 12 months      2.00% APY

This money in the bank deal requires a minimum opening deposit of only $5. Once your certificate of deposit account is established, you will no longer be allowed to make additional deposits or changes on your terms. In case you decide to take out some money from your CD account, you will be charged an early withdrawal fee.

The dividend rate earned on this best certificate of deposit is compounded and paid on a monthly basis. This CD account renews once it reaches it’s maturity. You will receive a written notification from the credit union weeks before the maturity date. You will be given a grace period to make changes, make additional deposits, or withdraw your funds. Please note that once the account is opened the interest rate may change. Fees may also reduce the earnings of your certificate of deposit.

Individuals who want to take advantage of this best certificate of deposit and not yet a member of White Pine Credit Union may visit their office to apply. Membership with the credit union is open to anyone who lives or works within 20 mile radius from Pierce, Idaho. Immediate family are also eligible to join.

You are required to bring valid photo identification like passport, driver’s license, or social security card once you visit the credit union’s office when applying. You may also contact the credit union’s customer service line before visiting their office to get additional information about their certificate of deposit, current rates, membership eligibility, and requirements thru 208-464-2844.

White Pine Credit Union has been providing financial services to its members since 1964. The credit union is registered with the National Credit Union Association and has a charter number 65786.

Sussex County Federal Credit Union offers an attractive interest rates for their short term and long term certificates of deposit. The following are the list of the credit union’s current CD rates:

• 6 months        0.80% APY
• 9 months        1.00% APY
• 12 months      1.31% APY
• 24 months      1.41% APY
• 36 months      1.92% APY
• 60 months      2.43% APY

You can earn these top CD rates when you make an initial deposit of at least $1,000 to open an account. You will also be required to have an active checking account to receive these highest certificate of deposit rates. The earnings of these money in the bank deal are compounded and paid monthly.

Take note that once you have established your certificate of deposit, you will no longer be able to make additional deposits or changes on your account. The only time that you can make changes and deposit on to your account is when the account matures. After which, the certificate of deposit account will automatically renew.

These best certificates of deposit also charges a penalty when you make an early withdrawal. The amount of penalty applied will depend on the term of your CD account. Please be reminded also that the interest rates of these certificates of deposit are subject to change anytime without prior notice.

Membership with Sussex County Federal Credit Union is open to anyone who lives, works, attends school, volunteer, or worships in the cities of Delaware and Milford or in Sussex County. Another option is to be part of the credit union’s foundation, you will be required to donate at least $10 per year. Immediate family members are also qualified to become a member.

Individuals who wants to apply for membership may complete the online application, you will also be required to open a share savings account which will require a minimum opening deposit of $25. You need to send a copy of your valid photo identification like social security card, driver’s license, or passport. If you are not comfortable providing your personal information online you may also drop by the credit union’s office to apply.

You may also contact their customer service line if you have questions or concerns with regard to their membership eligibility, requirements, or certificate of deposit rates at 302-629-0100. Sussex County Federal Credit Union has several branches located in the cities of Seaford, Lewes, Millsboro, and Milford in the state of Delaware.

Sussex County Federal Credit Union is a non profit financial institution which provides several deposit accounts and loans to its members since 1959. Currently, they already have 18,365 members and reached over $226 million in declared assets. The credit union is an NCUA member and has a charter number of 13121.

Central Oklahoma Federal Credit Union is pushing for the best interest rate with their certificates of deposit. The credit union has the following current CD rates:

• 6 month      1.25% APY
• 1 year          1.40% APY
• 2 year          1.80% APY
• 3 year          1.90% APY

Individuals who want to earn this highest CD rates will be required to make an initial deposit of $1,000 to open an account. Once your certificate of deposit account is opened, you will no longer be allowed to make additional deposits. You will have to wait for the account to mature before you can deposit funds or make changes on to your account. You will be notified by the credit union weeks before maturity date to inform you about the grace period given to you to make changes or completely withdraw all your funds without penalty. After this, the account will automatically renew.

This money in the bank deal also charges a penalty if you make a withdrawal before the maturity date. The penalty of these best certificates of deposit is equivalent to 90 days worth of interest. Take note that the dividend rate may change once the account is opened, so make sure to ask the bank for their latest CD rates at the same time find out if there are any other fees that may reduce the earning of your certificate of deposit.

Membership with Central Oklahoma Federal Credit Union is open to anyone who lives, worship, goes to school in, or work in Lincoln County in the state of Oklahoma. Their immediate family which includes spouse, children, parents, siblings, cousins, grandparents, and grandchildren are also eligible to become a member.

You will be required to visit the credit union’s office to apply for membership and open an account. You also need to pay for their one time membership fee worth $5. you will also be required to open a share savings account with a minimum deposit of $5 as part of their membership. Lastly, you need to present at least 1 valid picture identification with your current phone number and current address on it like social security card, driver’s license, or passport. If in case your address or phone number is not listed on your ID you may also present a copy of your pay stub or utility bills.

Once you become a member, the credit union gives you an access to your account 24/7 through online banking. You can be able to review your balances,request for fund transfer, set up for auto payment, place check orders, and finally view your monthly statements. If you are not comfortable accessing your account online, you may choose the credit union’s telephone banking. This service has almost the same features as their online banking and even provides information about their promo’s and detailed information about their other deposit accounts.

You can also sign up for payroll direct deposit which will distributed to your share savings account or other deposit accounts with the credit union. If you still have question or concerns about their certificate of deposit, membership eligibility, or requirements please contact their customer service line at 800-392-2274.

Central Oklahoma Federal Credit Union is headquartered in Davenport, Oklahoma and is a full service financial institution that was established in 1988. They have already reached over $33 million in declared assets with 2,975 members. The credit union is registered under the National Credit Union Association and has a charter number 24350.

Melrose Credit Union headquartered in Briarwood city New York is providing an attractive interest rate for their short term and long term certificates of deposit. This money in the bank deal has the following current CD rates:

• 1 year        1.15% APY
• 2 years      1.41% APY
• 3 years      1.91% APY
• 4 years      2.17% APY
• 5 Years      2.68% APY

Consumers who want to take advantage of this highest certificate of deposit rates may deposit a minimum of $5,000 to open an account. Once you have established your CD account, you will no longer be able to make additional deposits nor make any changes. The only time that you can change the terms or make a deposit is when the certificate of deposit account matures. You do not have to worry since there will be no penalty charged against your account when changes are made. after which, your CD account will automatically renew.

This money in the bank deal also has a penalty when withdrawal is made before the maturity date. The amount of the penalty will vary depending on the term of your certificate of deposit. The dividends earned on this best certificate of deposit are compounded and paid quarterly. The interest may be deposited to your other account with Melrose Credit Union or mailed to you as check. Please note that the current interest rates are subject to change without notice.

Membership with Melrose Credit Union is an open New York state charter, this means that their membership is open to everyone. All you need to do is to open a share savings account which will require a minimum deposit of $25 and pay a one time membership fee of $1.

You need to visit the credit union’s website and print a copy of their membership application form. After completing the form you need to attach a copy of your valid photo ID like driver’s license, passport, or social security card. If in case your current address is not listed on those identification, you will need to provide a copy of your utility bill. Lastly, you need to write a check which will be deposited on to your new account and mail it to 139-30 Queens Blvd. Brairwood, New York 11435. You may also call their customer service line if you still have question or concern with regard to their certificate of deposit account, current interest rate, and membership requirements at 718-526-8571 or 888-635-2733.

Melrose Credit Union has been assisting its members with their financial needs since 1922. They have already reached 23,457 members with $1.5 billion in assets. The credit union is a member of the National Credit Union Association and has a charter number 62005.

Montauk Credit Union provides a money in the bank opportunity with their certificates of deposit. The credit union has a very competitive interest rates with their short term and long term CD. Here are the list of the credit union’s current certificate of deposit rates:

• 1 year             1.00% APY
• 18 months       1.25% APY
• 2 years            1.50% APY
• 3 years            1.75% APY
• 4 years            2.25% APY
• 5 years            2.50% APY
• 7 years            2.75% APY

This money in the bank deal requires a minimum deposit of $2,500 to open a certificate of deposit account. You will no longer be allowed to make additional deposits once the account is established. The only time that you can make changes, deposit funds, or withdraw your money on to your account is when it reaches its maturity. After this, your certificate of deposit account will automatically renew.

The dividends that you earn on your CD account are paid every quarter and are automatically deposited to your savings account. If you do not want it to be deposited to your savings account, you may also receive your dividends as check that can be sent thru mail.

Montauk Credit Union may impose a penalty against your certificate of deposit account when you make a withdrawal before the maturity date. They may impose a penalty of 180 days worth of interest for CDs with terms over 1 year. Take note that the interest rate of this certificate of deposit may change anytime without notice, so make sure to contact the credit union and ask for the latest CD rates.

Montauk Credit Union has an open charter which allows them to extend membership to anyone. You will be asked to visit the credit union’s office which is located in New York, New York to apply for membership. Please do not forget to bring any valid picture identification when you visit their office since they will be requesting for a copy of you ID.

Once you became a membership, you will need to send a letter to the credit union to open a CD account. Once they receive your letter, you will be able to open your certificate of deposit account over the phone. Finally mail a check to the credit union to fund you new CD account. If you still have inquiries about their certificate of deposit, current interest rates, membership eligibility, or requirements you may contact their customer service hotline at 212-989-5200.

Montauk Credit Union is a not for profit financial institution that is member owned. It was chartered in 1922. They already have over $100 million in declared assets and has approximately reached over 4,500 members. The credit union is also a member of the National Credit Union Association and has a charter number 63231.

HEW Federal Credit Union is offering a competitive interest rate with their certificate of deposit called Silver Share Certificates. This money in the bank deal has the following current CD rates:

• 6 months        0.80% APY
• 9 months        1.00% APY
• 12 months      1.15% APY
• 24 months      1.75% APY
• 36 months      1.81% APY
• 60 months      2.52% APY

These highest CD rates can be earned when you open an account and deposit a minimum of $500. The following certificates of deposit require a different minimum daily balance to earn the best interest rate depending on its term. For instance, if your CD is 6 months term then the minimum daily balance must be $500, for CD with 9 months term the minimum daily balance is $100, for CD with 12 to 24 months term the minimum daily balance is $1,000, and finally for CD with 36 to 60 months term the minimum daily balance is $2,000.

The dividends earned on this best certificate of deposit account are calculated daily and paid quarterly. This CD account allows you to transfer funds to other accounts upon maturity. A penalty may be imposed on to your account when you withdraw funds before the maturity date. This certificates of deposit automatically renews once it matures except for their 36 and 48 month term since this are promotional CD’s.

Another best certificate of deposit rate being offered by the credit union is their HEWEY Generation Certificate. This CD account is only available to members who are 17 years of age and under. You need to deposit a minimum of $100 to open this certificate of deposit account. This certificate of deposit account only offers a 6 month term CD but earns different interest rates depending on it’s minimum daily balance. The following are the current CD rates:

• $100 to $499.99        2.02% APY
• $500 to $999.99        2.12% APY
• $1,000 and above      2.22% APY

The minimum additional deposits that you can make on this top CD account is $25. Please do remember that the interest rate may change anytime without prior notice. Fees may also reduce your earnings.

HEW Federal Credit Union membership is open to individuals who live, attend school, worship, work, or regularly conduct business in the following areas:

• Maryland state in the counties of Montgomery and Prince George’s
• Virginia state in the counties of Fairfax, Arlington, and Alexandria
• All areas and cities in Washington, D.C.

Individuals who want to apply for membership must bring the following documents, a primary identification which includes driver’s license, Armed Forces ID, valid passport, alien identification, or Matricula Consula; secondary identification which includes work ID, current paystub, social security card, birth certificate, or government issued documentation. You are also required to open a regular share savings which requires a minimum deposit of only $5.

If you still have questions with regard to their membership eligibility or current CD rates you may call customer service line at 800-742-5582. HEW Federal Credit Union has several branches locates in Pennsylvania, District of Columbia, Virginia, and Maryland state.

HEW Federal Credit Union was established in 1936. They are also insured with NCUA and has a charter number 1407.

Gulf Coast Federal Credit Union headquartered in Corpus Christi, Texas is offering a competitive interest rate with their short term and long term certificates of deposit. The following are the list of the credit union’s current CD rates:

• 6 months        1.10% APY
• 12 months      1.50% APY
• 18 months      1.65% APY
• 24 months      1.85% APY
• 36 months      3.05% APY

You can take advantage of this top certificate of deposit rates when you open an account and make an initial deposit of at least $500. Take note that once your CD account is established you will no longer be allowed to make additional deposits, you will have to wait for the account to mature before you can make deposits or changes. You will be notified by the credit union a month before the account matures to give you time to decide if you still want to renew your CD account.

A penalty may be imposed when you make a withdrawal before the maturity date. The weight of the penalty will depend on the term of your certificate of deposit account. The earnings of this money in the bank deal is compounded daily and paid either monthly or quarterly depending on the term. You can request to have your dividends mailed to you or have it transferred to your other account with Gulf Coast Federal Credit Union.

You are given the opportunity to manage your own account by simply signing up with the credit union’s online banking. You can check the activities of your account, pay bills, and receive your monthly statements electronically.

Membership with Gulf Coast Federal Credit Union is open to anyone who lives, attend school, worship, or work in the counties of Nueces, San Patricio, and Jim Wells in the state of Texas. Members who has relatives and wants to become a member of the credit union are also eligible to join.

A branch visit is required in order to apply for membership. Applying is simple, submit a copy of a valid picture ID or identifying documents, fill up the membership application form, open a share savings account with a minimum deposit of only $5, and pay $2.50 for the one time membership fee.

You may call the credit union’s customer service line if you still have questions or concerns with regard to their certificate of deposit rates, field of membership, or requirements at 800-239-3985. Gulf Coast Federal Credit Union has 3 branches located in Texas state in the cities of Alice and Corpus Christi.

Gulf Coast Federal Credit Union started assisting its members with their financial needs in 1940. All deposit accounts are insured of up to $250,000 with the National Credit Union Association. They have an NCUA charter number 4060.

Tip of Texas Federal Credit Union continues to offer attractive interest rate for their short term certificate of deposit. The credit union provides the following current CD rates:

• 6 months        1.004% APY
• 12 months      1.407% APY

You can enjoy earning these Top CD rates when you make an initial deposit of at least $1,000 to open an account. The credit union charges a penalty when you make a withdrawal before the account mature. This best certificate of deposit account automatically renews once it reaches its maturity, but you do not have to worry since you will be notified few weeks before it matures. You will also be given a grace period to make changes on your account like making a deposit, changing the terms, or withdrawing your money without any penalties.

The dividends earn on your certificate of deposit account are paid quarterly, you may request to have it transferred to your other account with Tip of Texas Federal Credit Union or have a check mailed to you. Please remember that the current CD rates may change once the account is opened, make sure to ask the credit union for their latest interest rates.

If you want to become a member of the Tip of Texas Federal Credit Union, you may visit their website to check the listings of their field of membership and select employee groups. Immediately family and household members are also eligible to join. You may also call the credit union’s member service line if you still have questions thru 800-691-1182.

You will be required to visit one of the credit union’s offices located in El Paso, Texas to apply for membership. Please make sure to bring valid picture ID like driver’s license or social security card since it will be requested. You also need to open a share savings account as part of their membership requirement. This will require you to deposit a minimum of $25 to open an account. You also need to pay for a one time membership fee of $1.

Tip of Texas Federal Credit Union is providing financial services to its members since 1948. The credit union is federally insured by the National Credit Union Association and has a charter number 5929.

Jefferson Financial Credit Union provides competitive interest rates for their certificates of deposit. This money in the bank deal has the following current interest rates:

$1,000 to $9,999

• 6 months        1.00% APY
• 12 months      1.25% APY
• 24 months      1.50% APY
• 36 months      2.00% APY
• 48 months      2.25% APY
• 60 months      2.50% APY

$10,000 and above

• 6 months        1.25% APY
• 12 months      1.50% APY
• 24 months      2.00% APY
• 36 months      2.25% APY
• 48 months      2.50% APY
• 60 months      2.75% APY

You are required to deposit a minimum of $1,000 to open an account and start earning these best interest rates. Once you have established your certificate of deposit account, you are no longer allowed to make additional deposits and will have to wait for the account to mature. You are allowed to withdraw funds from your CD account but there will be an early withdrawal penalty that will be charge to you depending on the term of your certificate of deposit.

Aside from earning the best CD rates you can also use your funds as collateral for secured loans. Few weeks before the maturity of your certificate of deposit account you will receive a notification from the credit union, you will be given a grace period to make changes on to your account or withdraw funds without being charge of penalty. Please do remember that the current CD rates are subject to change anytime without prior notice.

Membership with Jefferson Financial Credit Union is open to all Jefferson Parish residents and to employees who belong to one of their Select Employee Groups. You may visit the credit union website to check the listings of their Select Employee Groups. If you have relatives who are an existing member then you are also eligible to join the credit union’s membership.

You may complete the membership application online and open a share savings account which will only require a minimum deposit of $5. Valid picture identification must also be submitted to the credit union as part of the requirements for membership. If you still have questions about their field of membership, requirements, or CD rates you may contact their customer service line at 800-259-2471.

If you have time you may also drop by one of the credit union’s office located in the cities of Metairie, Harvey, Marrero, Jefferson, and Kenner in the state of Louisiana.

Jefferson Financial Credit Union started serving its members with their financial needs in 1966. Currently, they are serving over 27,000 members and reached over $200 million in declared assets. The credit union is also insured with the National Credit Union Association and has a charter number 60738.

North Country Credit Union continues to provide competitive interest rates for their certificates of deposit account. The following are the list of the current CD rates:

• 3 months        0.75% APY
• 6 months        0.95% APY
• 12 months      1.05% APY
• 18 months      1.30% APY
• 24 months      1.35% APY
• 36 months      1.80% APY
• 48 months      2.50% APY
• 60 months      2.80% APY

You can start earning these top CD rates when you open an account and deposit a minimum of $500. Once you have established your certificate of deposit account, you are no longer allowed to make additional deposits. The credit union may also charge a penalty on your account when you withdraw funds before the maturity date. The amount of penalty will depend on the term of your CD account.

This money in the bank deal will automatically renew once the account matures. A notification will be sent to you by mail weeks before the maturity date. You will be given 7 days grace period to make changes on to your certificate of deposit account or to close the account instead without being charge of any penalty.

Membership with North Country Credit Union is open to individuals who live, work, worship, or attend school in the counties of Washington, Orleans, Orange, Lamoille, Grand Isle, Franklin, Essex, Chittenden, Caledonia, and Addison in the state of Vermont. Immediate family members which includes spouse, children, parents, siblings, grandparents and grandchildren are also eligible to join.

You may choose to apply online by completing the membership application. You must also open a share savings account which will require a minimum deposit of $50 as part of their membership requirement. You also need to submit valid picture identification like social security card, driver’s license, or passport.

If you are not comfortable applying online, you may visit one of their branches located in the cities of South Burlington, Berlin, Orleans, Colchester, Lyndonville, and East Montpelier in the state of Vermont. If you still have questions or concerns with regard to the credit union’s membership, requirements, or current CD rates you may call customer service line thru 800-660-3258.

North Country Credit Union has been assisting its member with their financial needs since 1950. Currently, they have grown to have over 24,925 members with $328 million in declared assets. The credit union is registered under NCUA charter number 24312.

Chaco Credit Union, Inc. is pushing for the best interest rates with their certificates of deposit. The credit union has the following current CD rates:

• 6 months        0.45% APY
• 12 months      0.70% APY
• 18 months      1.00% APY
• 24 months      1.15% APY
• 36 months      1.75% APY
• 48 months      2.02% APY
• 60 months      2.15% APY
• 72 months      2.25% APY

To earn these highest CD rates, you will be required to deposit a minimum of $500 to open an account. The credit union may charge a penalty when you withdraw money from your account before the maturity date. The amount of penalty that will be applied will depend on the term of your certificate of deposit.

This best certificate of deposit account automatically renews once it reaches its maturity. You will receive a written notification weeks before the maturity date so to give you time to decide if you still want to continue renewing your CD account or make changes on the terms and you will not be charge of a penalty. Please note that once account is opened the interest rate may change, so make sure to ask the credit union for their latest CD rates.

Membership with Chaco Credit Union, Inc. is open to those who reside, attend school, work, or worship in the counties of Preble, Hamilton, or Butler in the state of Ohio. You can also join the credit union’s membership if you are employed to one of their select employee group. Relatives of existing members are also eligible to join.

There are 3 ways to apply for membership, first is to complete the application online. Second, is to call the credit union at 513-785-3500 and request for a membership kit and finally to stop by one of their 7 locations in Fairfield Village Green branch, Hamilton Downtown branch, Hamilton West branch, West Chester branch, Fairfield Township branch, and Oxford branch.

Chaco Credit Union, Inc. has been helping its members with their financial needs since 1938. They are also insured with the National Credit Union Association and has a charter number 60954.

State Department Federal Credit Union offers competitive interest rates with their short term and long term certificates of deposit. This money in the bank deal has the following current CD rates:

• 6 months         0.60% APY
• 12 months       0.95% APY
• 24 months       1.41% APY
• 36 months       1.61% APY
• 48 months       2.07% APY
• 60 months       2.42% APY

The credit union also provides a Bump-Up certificate of deposit. This gives you a 1 time bump-up opportunity during your CDs term. You will be notified by the credit union if there was an increase on their CD rates so that you can make changes on your account. The following are the current Bump-Up certificate of deposit rates:

• 17 months       1.15% APY
• 30 months       1.36% APY
• 45 months       1.81% APY

These top CD rates can be earned when you make an initial deposit of at least $500 to open an account. The dividends earned on these certificates of deposit will be credited onto your account every month. It can either be deposited on your savings account, checking account, or just have it mailed to you in the form of a check.

You may get a penalty if you withdraw funds out of your certificate of deposit account before the maturity date. If your CD term is less than one year, the penalty is equivalent to 30 days of interest. CDs with 1 year or longer term the penalty is equal to 180 days of interest.

This best certificate of deposit automatically renews once it reaches its maturity. A notification will be mailed to you weeks before the maturity to give you a reminder at the same time to inform you about the grace period given to you to make changes on your CD account. Please do remember that the current interest rates are subject to change anytime without prior notice.

You can become a member of State Department Federal Credit Union if you currently employed or retired with one of their list of select employee groups which can be found in the credit union’s website. If in case you do not belong to one of those companies or organizations, you can join the American Consumer Council (ACC) and automatically you are eligible to join the credit union. If you have relatives who are members of the credit union then you also have a green light to join.

You may download and print the application online, fill up the form and submit it to one of the credit union’s branch. State Department Federal Credit Union has several branches in Washington, District of Columbia and in the cities of Alexandria and Arlington in the state of Virginia.

You also need to open a savings account with a minimum deposit of only $1 as part of the membership requirement. Please do not forget to bring valid picture ID like driver’s license or passport since they will be requesting for a copy. If you do not have time to visit the credit union, you may just mail the application, identification documents, and a check which will be used to fund your savings account. If you still have questions with regard to their membership and current CD rates you may call customer service line at 800-296-8882.

State Department Federal Credit Union was established in 1935. They are also registered under the National Credit Union Association and has a charter number 435.